Interest to consumers to rise again in January
This article was translated by an automatic translation system, and was therefore not reviewed by people.
After presenting fall in December, interest rates rise again in January, suggests research conducted by the National Association of Executives in Finance, Administration and Accounting (Anefac) released this Tuesday (17). According to the Economist's survey coordinator, Miguel José Ribeiro de Oliveira, the high can be attributed to the concern of financial institutions with bad debt. Both the average rate for an individual as to the legal person reached the levels recorded in November last year.
The overall average rate of interest to individuals increased from 7.49% per month in December to 7.57% per month in January, which represents an increase of 0.08 percentage point. In the case of credit card and check particular, the average interest rates were kept at 10.56% and 7.91% respectively. But in the personal loan in financial and banking fees and the trade was found elevated. The average interest for those who got into financial loan increased from 11.52% to 11.74% a month. In banks, the average rate rose from 5.6% to 5.7%. And in the credit rate increased from 6.30% to 6.37%.
In credit operations for the corporation, the research found high of 0.09 percentage point in the period from 4.35% to 4.44%. The survey found elevated for all lines of credit analysis - capital, duplicates of discount, rebate check and account security.
The Economist notes that in January, at the last meeting of the Monetary Policy Committee (Copom), the basic interest rate was reduced by 1 percentage point from 13.75% pa to 12.75% per annum. According to the study, considering all the falls and rises of Selic promoted by the Central Bank since September 2005, there was a reduction of 7 percentage points, while in the same period the average interest rate for individuals and companies showed a reduction of 1.07 percentage point and increase of 0.19 percentage point, respectively.
Source: State Agency
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