Clipping of news on Brazilian Culture, Law and Citizenship
07/29/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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28% of Brazilians have taken consigned loans, says SPC Brazil.
54% always choose payment method which charges lower interest rate.
BOLETO (Photo: TV Globo)
Billet use is still high in the country (Photo: TV Globo)
Two out of 10 consumers (19%) have currently at least one purchase for which payment is made by invoice or payment book, according to a study in all capitals by the Credit Protection Service (SPC Brazil) and education portal My financial Pocket Feliz. The mode is behind the credit card, which is used by 52% of respondents.
The products most purchased with installment sales are appliances (44%), electronics (37%), footwear (31%) and clothing (30%). When asked about the main advantages, the majority cites the possibility of splitting the payment of their purchases at various times (37%), partial power a purchase even without card or check (14%) and have time to make the payment (13 %).
For the chief economist at SPC Brazil, Marcela Kawauti, "the installment plan is for part of the population, particularly among the class C unbanked and those living outside major urban centers, the only way to accomplish more values purchases high ".
Other modalities
The study also investigated other types of credit used by Brazilians when carrying out their purchases. The ranking of the most used forms, excluding credit cards, brings the personal loan (37%), payroll loans (28%), finance (22%) and the post-dated check (9%).
Five out of ten consumers (54%) ensured that the partial product always choose the payment method that charges the lowest interest rate. Consumers class C turn out to be a bit more careless with the charging of interest than the general average, since for this group of respondents the percentage drops to 49%.
The study shows that not all Brazilians are concerned about the burden of interest upon purchase. Among consumers heard by the survey, 16% argue that they can not always choose the form of cheaper payment and therefore end up acquiring the sport for which approval can, regardless of the interest rate. The percentage increases to 21% in class C. Then there are those that analyze only if the value of the parcel fits in your pocket, ignoring the total amount paid (13%).
Payroll loans
A significant number of Brazilian debt with loans - 4 in 10 consumers living in the capital (37%) said they were paying installments of personal loans contracted in the past, and most of it was acquired in banks (20%). Another 28% of consumers have turned to payroll loan at some point in their lives and the main purpose was to pay debts (48%).
Check
With the popularity of credit and debit cards, 69% of respondents who have said they do not have checking account checkbook. The safety and control provided by the cards are mentioned by the majority (69%) as the main reason not to use this form of payment. Among the minority of Brazilians who still uses postdated checks at least once a year for shopping (9%), the main acquisitions are clothing (17%), accessories for car and motorcycles (13%) and furniture (12% ).
Financing
According to the study, 22% said they were paying some funding, with higher percentages for Brazilian class A and B (30%). The car purchase (36%), the home ownership, as house or apartment (21%) and motorcycles (16%) are the most purchased products.
Source: G1
To access the G1 site, click here.
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This article was translated by an automatic translation system, and was therefore not reviewed by people.