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RIO – Brazilians were less indebted in the last part of last year, according to data from the National Confederation of Trade in Goods, Services and Tourism (CNC). The Survey of Consumer Debt and Debt (Peic) shows that the proportion of indebted families increased from 60.3% in November to 59.8% in December.
The result is also 2.4 percentage points lower than in December 2017, when 62.2% of families were in debt.
Crime also decreased slightly: 22.8% of households had debts or accounts late in December 2018, compared to 22.9% in November. In December 2017, 25.7% of households were in default.
The total number of families who reported not being able to pay their bills or arrears and who would therefore remain in default fell from 9.5% in November to 9.2% in December. A year ago, this slice was 9.7%.
"Lower interest rates are a positive factor in the decline in delinquency, as well as the seasonality of the period.The receipt of the thirteenth salary favors the payment of overdue accounts," said l & # 3939; economist Marianne Hanson of the CNC in an official note.
Credit cards remained the main type of debt, mentioned by 78.1% of households surveyed, followed by bills (14.7%) and car financing (10.2%). The average debt repayment period was 63.5 days in December 2018, down from 64.3 days in the same period of the previous year. On average, the commitment on debt was 6.9 months, with 31.3% of households having debts of more than one year. Among indebted individuals, 19.6% reported having more than half of their monthly income committed to repaying their debts.
The survey clbadifies accounts payable by check, credit card, overdraft, credit card, credit card, personal loan, down payment and previous insurance as accounts payable.
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