The default of the Brazilians increases before the end of the year

The total non -compliance rate should rise from 4.35% to August to 4.43% in October

The research conducted by the Brazilian Institute of Retail Executives (Ibevar), in collaboration with the Fia Business School, provides for an increase in the default rate between August and October 2025.

According to the study, the total non -compliance rate should rise from 4.35% to August to 4.43% in October. The default of free resources so called – that are credit operations without regulated commissions that do not involve Bndes resources – should increase from 6.50% to 6.58% in the same period.

This indicates that this type of private credit has a greater increase in default, reflecting greater pressure on the national financial system and indicating that the consumer must face growing difficulties to honor his debts.

The default setting is measured by the percentage of the credit wallet which has at least one part with a delay of more than 90 days. Free funds cover personal loans, rotary credit for credit card and funding that have no special government conditions.

Since it does not include operations with fixed commissions or public resources, the default free resources act as a more direct thermometer of the conditions of the private credit market and the ability to pay consumers.

This scenario indicates that although the total default has a relatively modest increase, the private credit that depends on the market conditions must face a more significant increase in default, which may require special attention to detail, financial institutions and consumers to avoid greater economic and financial impacts.

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Source: Terra

Rose

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