Clipping of news on Brazilian Culture, Law and Citizenship
18/03/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Research is SPC Brazil and the Financial Education Portal My Pocket Happy
Only 28% of them say they are indebted at the time.
Over 62% of residents of Goiania are indebted (Photo: Reproduction / TV Anhanguera)
Most consumers do not know for sure what is to be debt
Study of the Credit Protection Service (SPC Brazil) and the Financial Education Portal My Happy Pocket indicates that 73% of consumers have a wrong notion about what is to be in debt. According to the survey, only 28% of consumers say they are indebted at the time.
52% of consumers, be indebted means having delinquent accounts; to 21%, is to have the name registered in credit protection entities. According to the chief economist at SPC Brazil, Marcela Kawauti, a person considered in debt is one that has installments due, purchases that were divided or made loans.
"When these plots are pending for late bill, the person is only indebted to default, the name is recorded in overdue debt service or not," says the economist, in a statement.
As for late payment of bills during 2014, 41% of respondents admitted late at least one account. Among those who managed to pay off the debt, 75% claim to have made within one month - that number goes to 82% in the case of overdraft and 58% for loans.
According to the survey, there was an average increase of 69% from the initial value and the end of debt, after two years, after the recovery of fines and interest by lenders.
Among consumers surveyed who were negative results in 2014, 54% managed to clear his name and 53% had already been a bad name before. The main measure taken to get out of this situation was the attempt to negotiate with the companies to which consumers are must, according to the study.
Were heard 662 consumers over 18 years, of both sexes and of all walks of life in 27 capitals. The margin of error is 3.7 percentage points with 95% confidence margin.
Source: G1
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This article was translated by an automatic translation system, and was therefore not reviewed by people.