\n
As Estat\u00edsticas Monet\u00e1rias e de Cr\u00e9dito, divulgadas nesta segunda-feira (27) pelo Banco Central (BC), indicam que as fam\u00edlias seguem pressionadas por cr\u00e9dito caro e recorrem ao uso de modalidades de curto prazo, como o cart\u00e3o de cr\u00e9dito.<\/p>\n
Em mar\u00e7o, a taxa m\u00e9dia de juros do cr\u00e9dito livre \u00e0s pessoas f\u00edsicas permaneceu elevada, em 61,5% ao ano, apesar do recuo mensal de 0,4 ponto percentual (p.p).<\/strong><\/p>\nCom o brasileiro pagando juros t\u00e3o altos, a inadimpl\u00eancia do cr\u00e9dito total do Sistema Financeiro Nacional (SFN) ficou em 4,3% da carteira em mar\u00e7o, com queda de 0,1 p.p. no m\u00eas, mas aumento de 1,0 p.p. em 12 meses.<\/p>\n
Entre as fam\u00edlias, a taxa chegou a 5,3%, com avan\u00e7o de 1,4 p.p. em um ano.<\/strong><\/p>\nDe acordo com as Estat\u00edsticas Monet\u00e1rias e de Cr\u00e9dito do BC, o endividamento das fam\u00edlias brasileiras atingiu 49,9% em fevereiro (aumento de 0,1 p.p. no m\u00eas, e de 1,3 p.p. em 12 meses), enquanto o comprometimento da renda com d\u00edvidas alcan\u00e7ou 29,7% (alta de 0,2 p.p. no m\u00eas e de 1,9 p.p. na compara\u00e7\u00e3o anual).<\/p>\n
Cr\u00e9dito \u00e0s fam\u00edlias segue em expans\u00e3o<\/h2>\n
O saldo das opera\u00e7\u00f5es de cr\u00e9dito do Sistema Financeiro Nacional (SFN) somou R$ 7,2 trilh\u00f5es em mar\u00e7o, com crescimento de 0,9% no m\u00eas.<\/p>\n
O cr\u00e9dito \u00e0s fam\u00edlias alcan\u00e7ou R$ 4,5 trilh\u00f5es, com alta mensal de 0,8% e expans\u00e3o de 10,9% em 12 meses.<\/strong><\/p>\nNo cr\u00e9dito livre destinado \u00e0s pessoas f\u00edsicas, o saldo chegou a R$ 2,5 trilh\u00f5es, avan\u00e7ando 1,1% no m\u00eas e 12,3% em rela\u00e7\u00e3o a mar\u00e7o de 2025. O BC destacou o aumento das opera\u00e7\u00f5es com cart\u00e3o de cr\u00e9dito \u00e0 vista, cr\u00e9dito consignado para trabalhadores do setor privado e financiamentos de ve\u00edculos.<\/strong><\/p>\nJ\u00e1 o cr\u00e9dito direcionado \u00e0s fam\u00edlias \u2014 que inclui linhas com recursos e condi\u00e7\u00f5es definidas por regras espec\u00edficas \u2014 totalizou R$ 2,0 trilh\u00f5es, com crescimento de 0,5% no m\u00eas e 9,3% em 12 meses.<\/p>\n
Cr\u00e9dito ampliado alcan\u00e7a R$ 21 trilh\u00f5es<\/h2>\n
O cr\u00e9dito ampliado ao setor n\u00e3o financeiro totalizou R$ 21,0 trilh\u00f5es em mar\u00e7o, o equivalente a 162,3% do Produto Interno Bruto (PIB – soma de todos os bens e servi\u00e7os finais produzidos por um pa\u00eds, estado ou cidade, geralmente em um ano), com leve retra\u00e7\u00e3o de 0,3% no m\u00eas. Em 12 meses, houve crescimento de 11,2%.<\/strong><\/p>\nO cr\u00e9dito ampliado \u00e0s empresas atingiu R$ 7,1 trilh\u00f5es, com expans\u00e3o mensal de 1,5%, impulsionada principalmente pelos t\u00edtulos privados de d\u00edvida, empr\u00e9stimos externos e opera\u00e7\u00f5es do SFN.<\/p>\n
<\/p>\n
\n <\/div>\n","protected":false},"excerpt":{"rendered":"
Por EBC, As Estat\u00edsticas Monet\u00e1rias e de Cr\u00e9dito, divulgadas nesta segunda-feira (27) pelo Banco Central (BC), indicam que as fam\u00edlias seguem pressionadas por cr\u00e9dito caro e recorrem ao uso de modalidades de curto prazo, como o cart\u00e3o de cr\u00e9dito. Em mar\u00e7o, a taxa m\u00e9dia de juros do cr\u00e9dito livre \u00e0s pessoas f\u00edsicas permaneceu elevada, em …<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2,12225,4],"tags":[],"class_list":["post-459954","post","type-post","status-publish","format-standard","hentry","category-entretenimento","category-noticias","category-servicos"],"yoast_head":"\n
Juros elevados mant\u00eam press\u00e3o sobre endividamento das fam\u00edlias<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2026-04\/juros-elevados-mantem-pressao-sobre-endividamento-das-familias\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Juros elevados mant\u00eam press\u00e3o sobre endividamento das fam\u00edlias\" \/>\n<meta property=\"og:description\" content=\"Por EBC, As Estat\u00edsticas Monet\u00e1rias e de Cr\u00e9dito, divulgadas nesta segunda-feira (27) pelo Banco Central (BC), indicam que as fam\u00edlias seguem pressionadas por cr\u00e9dito caro e recorrem ao uso de modalidades de curto prazo, como o cart\u00e3o de cr\u00e9dito. 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