Đa số người dân nước ta có mức thu nhập bình quân tăng trưởng tốt. Tuy nhiên để so sánh với các nước trên thế giới thì chỉ số này vẫn còn thấp. Nhìn chung thu nhập người dân vào khoảng 4 đến 5 triệu đồng. Những bộ phận này thường khá khó khăn trong chi tiêu khi sống tại thành phố, nên những người đi  vay tiền không thế chấp tài sản cũng rơi vào nhóm này. Tuy nhiên, cũng có những đối tượng lương 10 triệu vẫn đi vay tín chấp, bởi họ cần dùng tiền để đầu tư lâu dài trong các dự án lớn.

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