The indebtedness of Brazilian families with the financial system closed 2021 at 52.6%, a new record in the historical series, according to the Central Bank, after 43.9% in 2020. If real estate debts are discounted, the indebtedness stood at 33 .0% in 2021, compared to 26.9% in the previous year. In November, the percentages were 52.1% and 32.7%, respectively.
In December, the BC explained that the new methodology considers the Gross National Disposable Income of Households (RNDBF) restricted, instead of the Expanded Salary Mass Available (MSAD).
The new measure of family income includes resources received extraordinarily by families, such as the FGTS emergency withdrawal and emergency aid, and does not consider rent income, income distributed from companies to families and investment income.
According to the BC, the commitment of families’ income to the National Financial System (SFN) ended 2021 at 27.9%, compared to 23.7% in 2020.
Discounting real estate loans, the commitment to income was 25.6% last year, compared to 21.5% in the previous year. In November, the percentages were 28.0% and 25.7%, respectively.
