The population's supply of durable goods has increased over the past few years. Thus, the availability of washing machines (per 100 families) increased from 2005 to 2009 by 6% (reaching 117% coverage), televisions - by 13% (185%), refrigerators - by 17% (148%), tape recorders and VCRs - by 34% (213%), vacuum cleaners - by 52% (132%), computers - by 213% (25%). It is obvious that the primary saturation
of the household appliances market has already occurred, and the crisis has prevented its active renewal. The exception is the computer equipment market, but here the growth is mainly due to the technological factor - stationary PCs are being replaced by laptops."
"Individual lending in the 2000s greatly increased consumption, creating exit cell phone number list the illusion of a significant increase in well-being. That part of it that can be classified as the middle class, due to sufficient income to be able to borrow and its growing consumer activity, became the most attractive group of banking clients.
By 2008, consumer loans had been issued for 424 billion tenge, mortgage loans for 650 billion, and for housing construction for 85 billion (Table 9). In total, this is almost 1.5 times more than the retail turnover of food products in the same year. As of 01.07.2011, the volumes of issued loans amounted to 335 billion, 701 billion, and 52 billion tenge, respectively. Beginning in 2008, there was a gradual reassessment of the possibilities of lending for consumer purposes and its consequences for a personal or family budget. What had been a blessing two years earlier became a scourge. It suddenly became clear that loans taken out at some point were diverting funds from current expenses. Overdue debt on consumer loans amounted to 153 billion tenge as of July 2011, and for housing construction and purchase – 69 billion (Table 10). These amounts can be safely attributed to the withdrawal from the current and future consumption of households. The psychological consequences of "credit poisoning" should also be taken into account.