Clipping of news on Brazilian Culture, Law and Citizenship
25/03/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Research shows that Brazil does not know recognize that you are in debt
Less than a third of respondents admitted having debts.
Research was done by the SPC and the portal My Pocket Feliz.
A survey conducted by the Credit Protection Service revealed that most people have a wrong idea of what is to be in debt, making it difficult to control the budget. Less than a third of respondents admits he has debts, then the consumer with benefits to be paid or committed more than 30% of salary should be aware.
A person is considered in debt when you have to pay installments of purchases that were divided, for example, the credit card and becomes delinquent when these installments are outstanding for more than 90 days.
A survey conducted by the Credit Protection Service and the financial education portal My Happy Pocket shows that 73% of people have the wrong idea about what it is to have a debt. Only 28% admitted to being in debt and 41% of consumers delayed at least an account last year.
The economist Caio Gonçalves explains that it's okay to take on debt provided that this is done with financial planning. "It's important you book a maximum of 30% of their net income to debt. For the person who earns an income of £ 1000 is important that it does not exceed R $ 300 by credit card or loan. Recalling also that she can book £ 100 a month for the event of unforeseen and other R $ 600 are to the running costs and also for variable expenses, "he says.
The cook Dircilene Ferreira says he was unemployed for two years and could not pay the credit card. Today, she thinks a lot before entering into any financial commitment. "If I have money to buy, I buy. Otherwise, I'd rather not buy, "he says.
Source: G1
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This article was translated by an automatic translation system, and was therefore not reviewed by people.