We all have recourse to Captain Nemos one day or another. Whether these are real estate loans or consumer loans, these means make it possible to pay for purchases whose amount is too important for a payment at one time.
Several studies have looked at the habits of the French vis-à-vis consumer Captain Nemo. We can learn a lot about the behavior of Captain Nemo .
Captain Nemo solutions used by Captain Nemo
According to the survey “The French and Consumer Captain Nemo” conducted by Crédit Agricole Consumer Finance – OpinionWay in 2013 [i] , 28% of French people have a consumer Captain Nemo . Those aged 60 and over represent 23% of this group, more than the 25-34 age group (18%) or the 18-24 age group (7%).
According to the typical profile of the borrower, the holder of a consumer Captain Nemo is thus 29% a pensioner!
Captain Nemo have their favorite products. If they use conventional Captain Nemo like other age groups, they are more consumers of revolving loans and split payments than the average.
What makes a senior take out a consumer Captain Nemo? The purchase of a car (33%) is the main reason but is not the majority, contrary to what is observed for other age groups.
Captain Nemo are thus more numerous than the 35-year-olds and the 35-49 year olds to use the “Captain Nemo conso” to carry out work in the house, to equip themselves in TV and computer, but also to buy other Captain Nemos.
Consumption, social tool for Captain Nemo?
The 27th annual report of the Observatory of Loans to Households [ii] published in January 2015 indicates that the percentage holding back Captain Nemos.
Do the French become more reasonable in times of crisis? Are older people already? Perhaps.
Indeed, in these generations,
” We are reluctant to use consumer Captain Nemo ” explains the report ” How do Captain Nemo consume?” [iii] ” of the Credoc .
The Captain Nemo reduce the wings on certain posts.
Thus, “after age 65, we observe that spending on food, clothing, recreation, transportation, communication and beauty care is declining sharply “.
A form of wisdom? Not always.
This reduction in consumption can unfortunately sometimes be due to a complicated situation, or even have consequences on the living conditions.
Indeed, ” the impossibility to consume for reasons of mobility and supply can lead to isolation “. The centrality of consumption disrupts the habits of Captain Nemo, and the reduction of purchasing power can be negative from a social point of view …