Debts

Survey shows consumer profiles defaulting in Brazil

01/11/2012

 


According to the study, more than half of the defaulters are women and 36% are people aged between 35 and 49 years
 
SAO PAULO - Consumers who have high fixed costs with rent, alimony and car finance are more likely to become defaulters consumers, the study commissioned by SPC Brazil (Credit Protection Service) and CNDL (National Confederation of Officers Tenants)

The study showed that most of the defaulters are women (52%). With respect to age, most defaulters is among those who are 35 and 49 years, with 36%. Then show people aged between 25 and 34 years (34%) and 50-64 years (12%).

It was also identified that the default rate is higher among households with an income of R$ 1,376 to R$ 2,200 (28%), followed by those with a family income of R$ 2,201 to R$ 3,825, with 22% and families with income from R$ 906 to R$ 1,375, with 19%.

Another interesting fact is that most defaulters have children (66%) and only 10% pay alimony. With regard to employment, the majority has stability, 28% are employed in more than five years.

Defaulting
At the other end, the research showed that being older, have job security and make financial planning are characteristic of those who keep the bills on time.

Defaulting consumers, 63% are women, 28% are aged between 50 and 64 years, 27% are aged between 35 and 49 years and 16% are aged between 25 and 34 years.

With respect to family income, 26% earn between R$ 2,201 and R$ 3,825, followed by those earning between R$ 1,376 and R$ 2,200 (20%) and 19% have an income of R$ 906 and R$ 1,375. 55% are still in the same job for more than five years and 81% own their own homes.



Source: MSN News

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