Banco Central aponta risco de alto endividamento do consignado do INSS
Um estudo divulgado nesta segunda-feira pelo Banco Central (BC) aponta o risco de alto endividamento dos beneficiários do Instituto Nacional do Seguro Social (INSS) que tomam empréstimos consignados. “Entre os tomadores vinculados aos entes consignantes público e privado, há uma maior parte tanto da carteira ativa quanto da quantidade de clientes abaixo dos 30% de comprometimento de renda”, diz o estudo, publicado como boxe no relatório de Economia Bancária (REB).
“Já no consignado para aposentados e pensionistas do INSS, há, comparativamente, uma maior concentração de carteira ativa e do número de clientes ao redor dos 30% e dos 35%, indicando que esses tomadores possam estar próximos aos limites máximos de consignação do crédito pessoal e do cartão de crédito consignados”, afirma o texto.
O limite de consignação dos benefícios do INSS era de 35%, mas foi elevado a 40% no fim do ano passado. Segundo o BC, há indicações de que o crédito consignado é uma fonte importante de caixa para esse público. Cerca de 70% dos tomadores, afirma, se concentram na faixa de renda até dois salários...
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