Anna Maria Andriotis

speaker

3,396 appearances 52 recordings 1 series first heard Jul 2017 last heard Dec 2022

Anna Maria Andriotis’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Americans Taking On Auto Loans, Credit Cards at Record Rates · 13 Jul 2021 podcast

As it was explained to me by one executive, there is even the sort of thought process that should people lose their jobs, matched

because of the elevated levels of savings that they have, there's this sort of expectation among banks that they have enough in emergency savings, let's say, to carry them over at least for a few months to essentially sort of not create the situation where delinquencies would rise immediately should the unemployment rate tick up again. matched

So overall, the outlook is positive. matched

However, it's difficult to ignore some of the risks that are still very much present. matched

Well, many people are still in forbearance or deferment programs on their mortgages, as well as on their student loans. matched

What this has done for people is it has freed up hundreds or thousands of dollars in monthly payment requirements that they had to make. matched

And they haven't had to make these payments for quite a while. matched

for many people a year, even longer than that. matched

What happens when these obligations come back into play? matched

And what happens when consumers, once again, need to make these payments in order to be current on their mortgage and on their student loans? matched

How will their ability to manage the new debt that they're taking on be impacted? matched

So separately, you have the fact that prices for many consumer goods continue to rise, whether they're small ticket items or big ticket items. matched

Cars continue to become more expensive, which results in the loans, the dollar amount of the loans that consumers are taking out becoming even bigger. matched

So you have expenses rising, you still have people who are also struggling from the pandemic. matched

You know, there have been many positive stories of people's savings increasing, paying down debt. matched

Many people certainly have come out of this pandemic in a better financial position. matched

But there's also others who are not and who are still kind of struggling to make their payments and matched

They took deferment options from their lenders, but they still haven't quite fully caught up. matched

So there's a mix of issues that are playing out right now. matched

One of the most surprising things that came out of this lending data is the fact that lending to people with low credit scores is up significantly. matched

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