1/3英国人终生无法偿清债务

Nine out of 10 people have run up unsecured debt and many fear they will never be able to pay back what they owe, a survey has claimed.

Around 89pc of people aged between 18 and 35 said they owed money on a credit card, loan or overdraft, the research showed.

A third of people admitted they did not think they would ever be debt-free, 54pc of whom said they would always need to borrow money in order to fund the lifestyle they wanted.

One in five of these people also claimed they were not worried about the possibility of their debts being passed on to their next of kin if they died before they were repaid.

Just over half who owed money said they did not feel in control of their debt, with 8pc admitting they had needed to ask for help with repayments from a friend or family member. Eight out of 10 people also told the research for discount website MyVoucherCodes.co.uk that they thought it was too easy to borrow money through their bank or on credit cards.

Farhad Farhadi, MyVoucherCodes.co.uk's personal finance expert, said: "The majority of British adults owe money in some way, shape or form, but to see that almost a third think they'll never be free from debt is quite alarming.

"When borrowing money from any source, how you are going to repay it should always be in the back of your mind.

"A lot of people don't really think about the consequences of borrowing money and it can be easy to get complacent, but keeping it all under control should be a priority from the off. Only borrow what you really think you can afford to pay back."

一项调查称，十分之九的英国人背负无抵押债务，许多人担心会永远无法偿清自己的债务。

研究显示，年龄在18岁到35岁之间的英国人约有89%称自己透支信用卡、背负贷款或是透支银行卡。

三分之一的人承认他们认为自己永远不可能过上无债一身轻的日子，54%的人称，为了维持他们想要的生活方式，他们总是需要借钱。

此外，这一年龄段的英国人中有五分之一称，假如他们无法在死前偿清债务，他们不担心自己的债务会转嫁到自己的近亲身上。

稍过半数的背债人说他们觉得无法控制自己的债务，8%的人承认他们需要请朋友或家人帮忙偿还债务。十分之八的人还告诉研究者说，他们认为向银行借钱或是透支信用卡太容易了。这一研究是折扣网站MyVoucherCodes.co.uk委托开展的。

MyVoucherCodes.co.uk网站的个人理财专家法哈德．法哈蒂说：“大部分英国成人都以某种方式或形式欠债，不过竟有近三分之一的人认为自己永远无法偿清债务，这种局面相当令人担忧。”

“不管是从哪里借的钱，你应该始终惦记着如何把钱还上。

“很多人并没有认真考虑过借钱的后果，而且很容易就会变得满足于现状，但是从一开始就应该首先考虑是否有能力偿还，只借你认为自己确实偿还得起的数目。”

Vocabulary:

run up: 积欠

unsecured debt: debt that does not identify specific assets that the debtholder is entitled to in case of default（无抵押债务）

overdraft: a deficit in a bank account caused by drawing more money than the account holds（透支）

complacent: too satisfied with a situation, so that you do not feel that any change is necessary（满足于现状的）

from the off: a British phrase meaning, "from the start" or "since the beginning"（从头开始）