Periodical Leaf
' ' Certainly when to divulge a new rocking already will be below of this. ' ' The reason for this race of the banks to offer the best conditions to the customers is the biggest previsibility of the economy, that allows to extend offers of credit with more security. Beyond the extention of the stipulated term, the Bradesco also reduced the interests. The minimum tax fell of 1,52% for 1,20% to the month. The change is representative, therefore today 48% of the commercialized new vehicles are financed and between 15% and 20% of the operations they costumam to be taken in the offered maximum stated period.
The degree of restrictions for financings of cars zero also diminished. In the crisis, the financiers demanded the maximum comprometimento of 10% of the income of the customer with the parcels. Today, the requirement came back to demanded 30% before the crisis. According to Bradesco beyond the economic scene to be less turbulent, the delays already are stabilizing: ' ' The insolvency still loads a little of dirt of previous periods, but given recent already they give a little conforto' more than; '. With the improvement of the economic activity, of the behavior of the consumer, with the indices of insolvency giving signals of that they can retrocede of the successive increases that had had and the rise of the level unemployment the current scene is not of more optimism and, therefore, the bank decided to retake stated periods longer. Therefore also, the trend to prolongate the stated periods that come being verified in great banks will have to be followed by other institutions, including of lesser transport.
In fact, the situation of insolvency in wallets of physical people continues giving improvement signals. The delays above of 90 days had withdrawn of 8,4% for 8,2% between March and April, according to data of the Central banking. Moreover, the delays between 15 the 90 days had also withdrawn, of 7,5% for 7,4%, indicating that the growth started to lose force. In the evaluation of the Trade association of So Paulo (ACSP), with the increase of the level of requirement to grant credit on the part of the banks, beyond the retaken one of the economy most intense in the next months, the tricks can withdraw from as the semester. In accordance with ACSP, the band of more critical income still are in the platform between three and ten minimum wages, on account of the unemployment and the fall in the income, that still can be reflected in the consumption and inthe delays: ' ' Still we go to have growth of the insolvency in the next months, but nothing explosive, being able to make comfortable itself in second semestre' '. According to data of the ACSP, about 10% of the people who leave the negative cadastros in renegotiations of debits, they come back to be negative in one month. This percentage goes up for 50% in 12 months, that is, half of the people who had renegotiated its debts, came back to be defaulter in one year.Bibliography Periodical Economic Value of 28 of May of 2009 Periodical the State of S. Pablo of 28 of mai of 2009 Periodical Leaf of S. Pablo of 28 of May of 2009 Periodical Leading Brazilian business newspaper of 28 of May of 2009
Tags: economy