I-40% yabantu baseBrazil basebenzisa umda weKhadi LeTyala ukutyala imali, kutyhila uphando lweSerasa

^{Umxholo Oyenziwe Ngumntu}

Uphononongo lwakutshanje lweSerasa, olubizwa ngokuba yi Imephu Yetyala, lubonisa idatha enomdla: Phantse ama-40% abathengi basebenzisa umda wekhadi letyala ukwenza utyalo-mali.

Uphando lukwabonise ukuba ikhadi letyala lolona hlobo lwetyala lufunwa kakhulu ngabathengi, luneempendulo ezingama-52%.

Olu phononongo lilinge lokuqonda ubudlelwane babathengi neentlobo ezahlukeneyo zetyala ezikhoyo kwimarike.

Ikhadi letyala njengesona sixhobo siphambili sotyalo-mali

I uphando lweSerasa lubonisa umkhwa onomdla kwindlela abaziphatha ngayo abathengi baseBrazil. Ubuncinane ama-40% abo kwenziwe udliwano-ndlebe nabo bathi basebenzisa umda wekhadi labo letyala ukwenza utyalo-mali.

Oku kubonisa ukuba abathengi bafuna ezinye iindlela ze tyalo-mali kwaye babona ikhadi letyala kungekuphela nje njengesixhobo sokuthenga, kodwa nanjengesixhobo sokwandisa ingeniso yabo ngotyalo-mali.

Idatha yetyala yeBhanki Enkulu

Uphando zingqina ukuba inzala yekhredithi ejikelezayo yekhadi letyala yeyona ibiza kakhulu emarikeni, ngelixa ii-CDB zibonelela ngeembuyekezo eziphezulu; inzala yekhredithi ejikelezayo yekhadi letyala inokufikelela kuma-415,3% ngonyaka, nto leyo eyenza ibe lolona hlobo lwekhredithi lubiza kakhulu emarikeni.

Ngokwahlukileyo, Ii-CDB zeebhanki eziphakathi zivelisa, ngokomndilili, phakathi kwe 100% ne-115% ye-CDI, nto leyo ethetha imbuyekezo yonyaka ephakathi kwe 11,15% ne-12,82% xa i-CDI ikwi-11,15%.

Ngoko ke, sigqiba ngelithi:

• Kuphephe ngazo zonke iindleko ukusebenzisa ikhredithi ejikelezayo yekhadi letyala! Inzala egqithisileyo inokubeka uhlahlo lwabiwo-mali lwakho emngciphekweni ize idale amatyala amakhulu.
• Cinga ngokutyala imali kwii-CDB zeebhanki eziphakathi: Olu khetho lubonelela ngeembuyekezo eziphezulu kakhulu kunezekhredithi ejikelezayo yekhadi, ngomngcipheko omncinci.

Ukukhula kwekhredithi kwiakhawunti yedijithali

Uphononongo lukwabalaselisa ukukhula kwekhredithi kwiakhawunti yedijithali, eyaba lolwesibini uhlobo lwekhredithi olwalufunwa kakhulu ngabathengi, nge-25% yeempendulo.

Le ndlela iye yathandwa ngenxa yokufikeleleka kwayo lula kunye namaxabiso anomtsalane ngakumbi xa kuthelekiswa neentlobo zekhredithi zesintu.

Ikhredithi yobuqu njengohlobo lwekhredithi lwesibini

Uphando lubonisa ukuba ama-18% abathengi bafuna umgca wetyala lobuqu. Olu didi lubandakanya ukusuka kwimali-mboleko yobüqu engenasiqinisekiso ukuya kwiindlela ezintsonkothileyo zemboleko, njengetyala elitsalwa emvuzweni kunye netyala elinesiqinisekiso sesithuthi okanye sendlu.

Ukuqukumbela, uphando lwe-Serasa luzisa ulwazi olubalulekileyo malunga nokuziphatha kwabathengi ngokunxulumene netyala eBrazil. Iziphumo zibonisa ukuba abathengi baya besebenza ngakumbi kwaye becwangcisa ngakumbi kutyalo-mali lwabo, besebenzisa naloo mda wekhadi letyala ukwenza oko.

Ezi ndlela zibonisa utshintsho olunokwenzeka kwindlela abantu baseBrazil abaliphatha ngayo ityala nemali, nto leyo ekhomba kubudlelwane obuya busiba nokusebenza ngakumbi nobunolwazi ngakumbi nezezimali zabo.

Umfanekiso: https://br.freepik.com/ wayhomestudio