Clipping of news on Brazilian Culture, Law and Citizenship
04/30/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
transparent image
Unemployment is the cause of bad debt to 35% of consumers.
The default has concentrated in the lower income brackets.
A car purchase is the desire of 43% of consumers, so get clear his name, according to the survey Consumer Profile Defaulting held by Boa Vista SCPC (Central Protection Service Credit) in the 1st quarter of this year with more 1,000 consumers. Then comes the home to 23%, household appliances (8%), building materials (7%), furniture (6%), electronics (4%), mobile (3%) and others (6%).
When asked about the "consumer dream," 56% say it is the house itself, followed by car (23%), travel (8%) and education (2%). The survey reveals that 80% of consumers do not feel prepared for the realization of his dream of consumption at the time, but 96% believe that the conduct in the future.
Causes of default
Unemployment is the cause of bad debt to 35% of consumers, followed by uncontrolled financial (28%), decreased more extra expenses income (17%) and third the name of the loan (11%). Unemployment has most affected families who earn up to three minimum wages monthly family income (41%).
The default has concentrated in the lower income brackets, according to Boa Vista. Many people continue to lose jobs and recolocam months later, and the jobless periods, even getting unemployment insurance, income decreases, so the output is stop paying some bills. After the replacement with the labor market, delinquent chase to renegotiate debts.
Furniture, appliances and electronics were the products that cause bad debt to 25% of consumers, followed by several accounts as property taxes, property taxes, condominium, fitness, education (17%), clothing and footwear (16%), food (15%) , utility bills like water, electricity and gas (14%), personal loans (7%), building materials (4%) and home loans and vehicle (2%).
The method of payment used to purchase that generated the default was the booklet / billet for 30% of respondents, credit card (27%), check / overdraft (20%), use of personal loans (13%), card the store (10%).
Commitment income
The percentage of those over 50% of the committed income to pay debts rose from 23% to 30%. There was a decrease from 47% to 32% among those who have up to 25% of the committed income. In the range of 25% to 50% of income, the index rose from 30 to 38%. The comparison period is the previous quarter, October-December 2014.
Discharge and debt
Asked about the condition to repay debts, 76% say that will make the payment and 24% expect to negotiate the total debt. In addition, 70% of consumers intend to settle the debts in the next 30 days, 14% between 30 and 90 days, and 16% over 90 days.
Consumer debt levels increased. Those who declared themselves heavily in debt went from 22% (in March 2014) to 26% (in March 2015), and those who declared themselves more or less debt from 42% to 44%. In March 2014, 36% of consumers declared themselves somewhat indebted, and in 2015 this percentage dropped to 30%.
For 35% of respondents, the debt increased compared to last year. In March 2014, this percentage was 27%. To 25% and the debt increased to 40%, remain unchanged.
Increased the number of people who are over 4 delinquent accounts fell and the percentage of those who have only one overdue bill: 1 bill covers 40% of respondents, two accounts comprise 27%, 3 accounts, 10%, accounts 4, 5% and 4 over 18%.
According to the survey, 32% of unpaid debts is below $ 500 Other 36% of consumers have constrained debts recorded between R $ 500.01 and R $ 2,000, and
17% have outstanding debts over $ 5,000.
Regarding the question whether to pay bills or condition will settle them, 10% said they have no condition to repay debts in the short term and 76% said they would pay them in full - in the previous quarter were 84%.
How will regularize shows that decreased the percentage of those who will pay in cash, 42% in the previous quarter to 35% this quarter.
Prospects
In the future, the survey reveals that increased the perception that is worse, from 2% to 7%. As for 80% will be better - in the previous quarter the rate was 90%. The Boa Vista attributes the optimism to greater control and maturity and concern of the Brazilian consumer is in default or not.
"The consumer is cautious with taking new loans and the deterioration of the macroeconomic process. Realize the price increase, the slowdown in the labor market, it is little confident about the economic outlook, House door it out, "says Fernando Cosenza, director of marketing, innovation and sustainability of Boa Vista.
Source: G1
To access the G1 site, click here.
Our news are taken in full of our partner sites. For this reason, we can not change their content even in cases of typographical errors. transparent image
This article was translated by an automatic translation system, and was therefore not reviewed by people.