{"id":14900,"date":"2019-08-06T14:46:56","date_gmt":"2019-08-06T14:46:56","guid":{"rendered":"https:\/\/b2egroup.com.br\/blog\/?p=14900"},"modified":"2019-08-06T14:46:56","modified_gmt":"2019-08-06T14:46:56","slug":"endividamento","status":"publish","type":"post","link":"https:\/\/b2egroup.com.br\/blog\/2019\/08\/06\/endividamento\/","title":{"rendered":"Renda comprometida: Pagamento de Juros"},"content":{"rendered":"\n

Baseado em estudos de pensadores como Maslow e Herzberg, sabemos que um dos fatores estimulantes dos trabalhadores \u00e9 receber seu sal\u00e1rio no final do m\u00eas, sendo um dos principais motivos pelos quais muitos funcion\u00e1rios acordam cedo para sair de suas casas. Claro, \u00e9 um fator diretamente relacionado ao pagamento das contas no final do m\u00eas, ent\u00e3o \u00e9 compreens\u00edvel. Mas atualmente, muitos brasileiros est\u00e3o com a sua renda comprometida pelos juros de transa\u00e7\u00f5es que fizeram, estando 19,8% do pa\u00eds nessa situa\u00e7\u00e3o. Enquanto isso, o endividamento total j\u00e1 alcan\u00e7a 42,5% (Novembro 2018)<\/a>.\u00a0
<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

De acordo com o pesquisador Estev\u00e3o Xavier Bastos, da Ipea, a solu\u00e7\u00e3o para o problema de endividamentos \u00e9 o alongamento das d\u00edvidas, trocando d\u00edvidas de curto prazo por d\u00edvidas de longo prazo, com garantias. Os dados estudados mostram que existe um espa\u00e7o bastante relevante de aumento do endividamento por cr\u00e9dito habitacional, de longo prazo e com garantia do pr\u00f3prio im\u00f3vel. Para o pesquisador, o ideal seria um aumento do endividamento vinculado \u00e0 compra da casa pr\u00f3pria, sendo um investimento interessante e de maior retorno do que os comuns de curto prazo como os de cart\u00e3o de cr\u00e9dito, entre outros. 
<\/p>\n\n\n\n

Entre 2009 e 2016 esse tipo de endividamento passou por uma altera\u00e7\u00e3o, aumentando em 30%. A partir de 2017, essa % estabilizou, ficando dessa forma tamb\u00e9m no ano passado, o que manteve o pa\u00eds longe de outros pa\u00edses como os 97% da Alemanha, Noruega e pa\u00edses baixos, 96% na Espanha e 92% na Austr\u00e1lia e It\u00e1lia. Isso mostra uma aproxima\u00e7\u00e3o, ainda que pequena, por\u00e9m j\u00e1 existente, nos endividamentos que acontecem em pa\u00edses mais avan\u00e7ados, o que futuramente pode indicar um comprometimento menor na renda mensal dos trabalhadores, permitindo um maior poder de consumo. 
<\/p>\n","protected":false},"excerpt":{"rendered":"

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