In recent years the aggregate savings ratio in Germany has declined. The basic causes are, above all, the rise in … and increases in the overall cost of living. Underlying the aggregate savings ratio one finds a substantial dispersion …. With rising income the savings-income ratio increases. In addition, the type of social insurance influences the level of …

-only loans do not fully use the lower instalments to increase their savings or to amortise more expensive debt. This is in … type in Denmark, and the largest difference is found for those families who have the lowest savings propensity, and those …