Private debt index
The private debt index (PVI) is an index determined by Schufa as part of the debt compass and published annually to identify the overindebtedness of private individuals in Germany.
Yardstick
The index was first published in 2006 and describes the level of private debt in the various regions of Germany. Based on the data obtained, a forecast for 2008 was published for the first time at the end of 2007. The PVI is published in a table and also geographically. Since private indebtedness (or over-indebtedness and the risk of over-indebtedness) in Germany varies greatly depending on the region, evaluations are published by federal states, districts and major cities; the indices determined relate to the PVI from 2003, which is assumed as a reference and has a value of 1000 serves as a reference value.
Evaluation at state level (2007)
A comparison of the federal states reveals a strong north-south divide. Berlin is the only federal state to receive the rating “high”. "High" means u. a. that many affidavits have been made, the number of personal bankruptcies and unknown debtors moved is high.
- Expression “low”: Baden-Württemberg, Bavaria
- Variation “low to medium”: Rhineland-Palatinate, Hesse, Thuringia, Saxony, Brandenburg, Hamburg
- Variation “medium to high”: Saarland, North Rhine-Westphalia, Lower Saxony, Bremen, Schleswig-Holstein, Saxony-Anhalt, Mecklenburg-Western Pomerania
- Expression "high": Berlin
Evaluation at district level (2007)
As can be seen from the following tables, rural districts lead the table with the lowest PVI; conversely, at the end of the list there are exclusively urban districts, whereby these have a 3-4 times higher PVI, and thus a correspondingly higher degree of indications of a private overindebtedness risk. It can also be seen that although changes are visible in the forecast for 2008, these are of rather minor magnitude and lead to hardly any significant changes, even if the debt index will "improve" slightly overall.
Top 5 with the lowest PVI (place in brackets and PVI of the forecast for 2008)
- 1st place Ebersberg district 522 (3, 537)
- 2nd place Munich district 523 (1, 527)
- 3rd place Eichstätt district 523 (2, 535)
- 4th place in the district of Starnberg 525 (4, 541)
- 5th place Erlangen-Höchstadt district 579 (6, 579)
Top 5 with the highest PVI (place in brackets and PVI of the forecast for 2008)
- Place 435th independent city of Bremerhaven 1647 (435, 1619)
- Place 436th independent city of Flensburg 1676 (437, 1667)
- Place 437th independent city Mönchengladbach 1696 (436, 1666)
- Place 438th independent city Wilhelmshaven 1819 (438, 1846)
- Place 439th independent city of Pirmasens 2029 (439, 2012)
Development of the private debt index
| year | Index value |
|---|---|
| 2006 | 1132 |
| 2007 | 1132 |
| 2008 | 1127 |
| 2009 | 1173 |
| 2010 | 1178 |
| 2011 | 1185 (forecast) |
Web links
- Debt Atlas: The poorest eaters live in Berlin . Welt Online , June 20, 2007.
- The debt curve is flattening out. In: Kölner Stadt-Anzeiger. June 20, 2007.
Individual evidence
- ↑ SCHUFA Credit Compass 2011. ( Memento of the original from March 11, 2014 in the Internet Archive ) Info: The archive link was inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. (PDF)
