08/04/2016 07h35 - Updated 8/04/2016 07h35

Interest credit card already spend of 430% per year

O avanço reflete o aumento de 0,23 ponto porcentual nos juros ao mês, que subiram de 14,72% em fevereiro para 14,95% in March.
Photo: reproduction
Photo: reproduction

Os juros médios do cartão de crédito alcançaram o patamar de 432,24% ao ano em março, segundo pesquisa da Associação Nacional de Executivos de Finanças, Administração e Contabilidade (Anefac). O avanço reflete o aumento de 0,23 ponto porcentual nos juros ao mês, que subiram de 14,72% em fevereiro para 14,95% in March.

Os juros do cheque especial tiveram alta de 0,20 percentage point, staying in 263,71% per year. Entre fevereiro e março, os juros médios dessa modalidade de crédito passaram de 11,16% ao mês para 11,36%.

A taxa média de juros para pessoa física subiu de 7,77% ao mês em fevereiro para 7,89% in March, o que representa uma taxa média de 148,76% per year. O aumento refletiu os reajustes nas seis modalidades de crédito pesquisadas, incluindo os juros do comércio, financiamento de automóveis, empréstimo pessoal em bancos e crédito ofertado por financeiras.

Para o diretor executivo de Estudos da Anefac, Miguel José Ribeiro de Oliveira, o aumento dos juros busca compensar possíveis perdas das instituições financeiras com a inadimplência.

O cenário econômico aumenta o risco do crescimento nos índices de inadimplência. Este cenário se baseia no fato dos índices de inflação mais elevados, aumento de impostos e juros maiores que reduziram a renda das famílias”, ressaltou Oliveira sobre os fatores que podem levar os tomadores de crédito a terem dificuldade de honrar compromissos.

As taxas médias de juros para pessoa jurídica ficaram em 69,59% ao ano em março. O porcentual significa um crescimento de 0,07 ponto porcentual, from 4,43% ao mês em fevereiro para 4,50% last month.

De acordo com a Anefac, com o cenário econômico adverso, a tendência é que os juros continuem a se elevar nos próximos meses.

Source: Veja.com

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