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Economic indicators

Consumer default falls for the seventh month in a row, says Boa Vista SCPC

06/07/2017

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Research indicates drop in 12 months, but in comparison with the same month of 2016 there was high; Other research shows that nearly half of the debtors admit to delaying installments, say CNDL and SPC Brazil.

By Karina Trevizan, G1

7/6/2017 10h44 Updated 6 minutes ago

Consumer default fell for the seventh consecutive month in May, according to a survey released on Wednesday (7) by Boa Vista SCPC. In 12 months, the record that measures the number of people with overdue accounts fell by 3.4%, according to the survey. However, in comparison with the same month of 2016, there was increase of 6.7%.

In the passage from April to May, default fell by 3.8%. In the accumulated of the year, there is decrease of 0.2%.

In a note, Boa Vista SCPC pointed out that the expectation is that the default variation will remain at a stable pace in 2017, with consumers seeking credit again amid the scenario of small economic growth. "The adversities that have occurred in the economy over the last two years have generated great caution in families, inhibiting consumption and consequently contributing to a decrease in the flow of delinquency," says Boa Vista.

"Keeping the perspective of small growth in the economy and income, lower interest rates and controlled inflation, we expect a sustainable resumption of credit demand, expanding the disposable income of families, factors that should contribute to maintain a stable pace of default in 2017. "

Almost half of the indebted people admit to delaying

Another survey released on Wednesday by the Credit Protection Service (SPC Brasil) and the National Confederation of Shopkeepers (CNDL) points out that among consumers with loans and open financing, 47% admit that they delay installments.

Consumers with loans and financing

Of the consumers who say they have already delayed installments, 18% say they have not yet been able to resolve the problem.

SPC Brazil chief economist Marcela Kawauti recommends that consumers calmly weigh the need to take out a loan before taking on debt. "It is worth analyzing the real need to make a commitment that often only ends after years," says the expert note.

"If the objective is the payment of debts, the consumer should opt for more favorable conditions, with lower interest and a payment plan that fits in his budget. Otherwise, you may fall into debt again. "

 

Source: G1

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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