More than 70% of Russians are confident that they cannot afford large purchases without loans, and a fifth are ready to take out loans to purchase jewelry as an “investment in the future”. SOKOLOV jewelery holding and Ozone market, the results of which were reviewed by Gazeta .Ru”.
Loans are still associated with debt burden by some Russians, while for others this is an opportunity to quickly purchase the desired product. According to the survey, more than half (54%) of Russians are neutral on loans and installments, because in their opinion this is a necessity for a serious purchase in some cases. Almost 20% perceive loans positively: this is an opportunity to buy a number of expensive things.
One in five Russians said that they are ready to borrow money to buy a gift for a loved one. Thus, more than 33% of Russians used credit to buy jewelry, and one out of every ten people in this group bought jewelry on credit several times. For such a purchase, 28% of Russians made installments.
Interestingly, women are more likely than men to purchase jewelry on credit (35% versus 31%, respectively). Mostly rings (30%), earrings (15%), bracelets (13%), necklaces (11%), watches (10%), diamond jewelry (7%) and exclusively diamonds (6%) are taken on loan or loan. installments. ).
More than 20% of Russians said they bought jewelry on credit or in installments as an “investment in the future”. Another 16% bought this type of jewelry to go to an important event.
At the same time, about 15% of Russians reported that they took out a loan or installment plan to purchase jewelery worth more than ₽35,000. About 15% more said they bought jewelery worth 25,000 to 35,000 rubles with borrowed money.
40% of Russians always close a loan ahead of schedule, almost a third – just in time, and only 9% can skip a mandatory payment.
In addition to jewelry, respondents often borrow or pay in installments to purchase equipment (34%) and travel (28%). Every tenth borrow money for a new car, and almost 9% – for real estate, for example, a new apartment or house. In addition, Russians actively take out loans for repair or building materials (7%), the purchase of furniture (6%), payment for medical services (5%) or education (3%).
Previously reportedthat glittering and embroidered men’s jewelry has become an anti-trend.