Clipping of news on Brazilian Culture, Law and Citizenship
07/14/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Optimistic about the next 12 months decreased.
Unemployment is still the leading cause of default to 31%.
The impairment of income in the coming months reaches 34% of consumers, reveals research Consumer Profile Defaulting held in Q2 2015 with about 1,000 defaulting consumers, who sought information in offices of Boa Vista SCPC (Central Protection Service credit). Compared to the previous survey, the 1st quarter 2015, an increase of 12 percentage points in the commitment of income.
Although the majority of respondents (75%) to be optimistic about the next 12 months, compared to the previous quarter, a decrease of 5 percentage points, compared to the same quarter of 2014, the drop is even more intense ( 15 percentage points).
Causes
Unemployment is still the leading cause of default to 31% of consumers. Then appears the financial disarray with 28% of mentions, and others to name loan (13%).
The acquisition of furniture, appliances and electronics generated defaults to 22% of respondents, followed by acquisition of clothing and footwear (18%) and food (16%).
The method of payment used to purchase that generated the default was the booklet or billet to 29% of respondents, followed by credit cards (28%), check (14%), personal loans (13%), store card (9 %) and overdrafts (7%). In value, 30% of consumers said that the sum of overdue debts is up to R$ 500, while 38% have between R$ 500.01 and R$ 2,000 and 32% are above R$ 2,000.
Purchase intent
The survey of Boa Vista SCPC reveals drop in the intention of consumers to undertake new purchases after could redeem the debt: 21% intend to carry out new purchases - down 7 percentage points compared to the previous quarter - and 79% do not intend to carry out new purchases.
After rehabilitating the name, consumers plan to buy in the first place, a vehicle (40%), followed by real estate (16%) and furniture, appliances and electronics (9%).
The survey also revealed that 59% of consumers have the dream to buying a home. The car appears in 2nd place with 22% of mentions. Currently, only 14% of consumers are prepared to fulfill that dream, and 96% say they will be prepared to carry it out in the future.
Debt
Most respondents (75%) have declared unable to pay overdue debts and that generated the restriction, 17% are able to pay part of the debt and 8% can not afford to pay. Of those who will pay fully 63% will settle the debt in installments, of which 68% will regularize in the next 30 days.
When asked about the level of debt, 33% of respondents declared themselves somewhat indebted, heavily indebted 25% and 42% more or less indebted.
Family income consumer is committed to up to 25% with the payment of debts for 41% of respondents, 25% to 50% commitment for 34% of consumers, and over 50% of commitments to 25% of respondents.
The survey also pointed down 26% to 20% in the share of consumers who consider the worst financial situation in Q2 2015, while 24% said that the situation is better. Compared to the previous year, 27% say that the debt increased, while for 40% stay the same and 33% of them have increased. Analyzing a shorter period of time compared to the previous month, the debts decreased to 24% of respondents are still equal to 50% and increased to 26%.
Source: G1
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This article was translated by an automatic translation system, and was therefore not reviewed by people.