{"id":16723,"date":"2026-05-11T14:00:08","date_gmt":"2026-05-11T17:00:08","guid":{"rendered":"https:\/\/informepopular.com.br\/site\/?p=16723"},"modified":"2026-05-11T10:58:38","modified_gmt":"2026-05-11T13:58:38","slug":"juros-e-consumo-como-a-selic-e-o-spread-bancario-impulsionam-o-endividamento-no-brasil","status":"publish","type":"post","link":"https:\/\/informepopular.com.br\/site\/juros-e-consumo-como-a-selic-e-o-spread-bancario-impulsionam-o-endividamento-no-brasil\/","title":{"rendered":"Juros e Consumo: Como a Selic e o Spread Banc\u00e1rio impulsionam o endividamento no Brasil"},"content":{"rendered":"<p data-path-to-node=\"3\">Com o objetivo de oferecer um f\u00f4lego financeiro \u00e0 popula\u00e7\u00e3o, o governo federal lan\u00e7ou o <i data-path-to-node=\"3\" data-index-in-node=\"88\">Novo Desenrola Brasil<\/i> nesta semana. Dessa maneira, a iniciativa tenta combater um cen\u00e1rio cr\u00edtico onde a elevada taxa Selic, somada aos maiores <i data-path-to-node=\"3\" data-index-in-node=\"232\">spreads<\/i> banc\u00e1rios do mundo, pressiona o or\u00e7amento dom\u00e9stico. Nesse sentido, economistas alertam que o custo do cr\u00e9dito no pa\u00eds tornou-se um obst\u00e1culo real para o funcionamento da economia, dificultando o pagamento de d\u00edvidas b\u00e1sicas e for\u00e7ando as fam\u00edlias a buscarem novos empr\u00e9stimos para quitar d\u00e9bitos anteriores.<\/p>\n<h2 data-path-to-node=\"4\">O Peso do Spread Banc\u00e1rio no Bolso do Cidad\u00e3o<\/h2>\n<p data-path-to-node=\"5\">A princ\u00edpio, \u00e9 fundamental entender que o <i data-path-to-node=\"5\" data-index-in-node=\"42\">spread<\/i> representa a diferen\u00e7a entre o que o banco paga para captar dinheiro e o que ele cobra ao emprestar. Portanto, no Brasil, esse indicador atingiu a marca de 34,6 pontos percentuais em mar\u00e7o, um valor consideravelmente superior \u00e0 m\u00e9dia mundial de 6 pontos. Dessa forma, o pa\u00eds consolida-se em uma posi\u00e7\u00e3o desconfort\u00e1vel no ranking global:<\/p>\n<ul data-path-to-node=\"6\">\n<li>\n<p data-path-to-node=\"6,0,0\"><b data-path-to-node=\"6,0,0\" data-index-in-node=\"0\">Lideran\u00e7a Global:<\/b> O Brasil ostenta o maior <i data-path-to-node=\"6,0,0\" data-index-in-node=\"43\">spread<\/i> do planeta, superando na\u00e7\u00f5es em crise severa ou em desenvolvimento.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,1,0\"><b data-path-to-node=\"6,1,0\" data-index-in-node=\"0\">Juros Reais:<\/b> O pa\u00eds ocupa o segundo lugar mundial em taxas de juros reais (9,3%), ficando atr\u00e1s apenas da R\u00fassia.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,2,0\"><b data-path-to-node=\"6,2,0\" data-index-in-node=\"0\">Diferen\u00e7a por Perfil:<\/b> Enquanto as empresas pagam uma taxa m\u00e9dia de 24%, as fam\u00edlias enfrentam juros de 61% ao ano.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"7\">Vale ressaltar ainda que as institui\u00e7\u00f5es financeiras justificam o alto <i data-path-to-node=\"7\" data-index-in-node=\"71\">spread<\/i> devido ao risco de inadimpl\u00eancia. Consequentemente, cria-se um ciclo vicioso: os juros sobem para cobrir o risco, mas s\u00e3o justamente esses juros altos que impedem o cidad\u00e3o de pagar a conta.<\/p>\n<h2 data-path-to-node=\"8\">A &#8220;Bola de Neve&#8221; do Endividamento Familiar<\/h2>\n<p data-path-to-node=\"9\">No que diz respeito ao impacto social, os dados da Confedera\u00e7\u00e3o Nacional do Com\u00e9rcio (CNC) revelam uma nova m\u00e1xima hist\u00f3rica. Dessa maneira, 80% das fam\u00edlias brasileiras possuem algum tipo de d\u00edvida em 2026. Nesse contexto, a situa\u00e7\u00e3o \u00e9 ainda mais grave para quem ganha at\u00e9 tr\u00eas sal\u00e1rios m\u00ednimos:<\/p>\n<ol start=\"1\" data-path-to-node=\"10\">\n<li>\n<p data-path-to-node=\"10,0,0\"><b data-path-to-node=\"10,0,0\" data-index-in-node=\"0\">Or\u00e7amento Comprometido:<\/b> Grande parte do endividamento ocorre para cobrir despesas b\u00e1sicas, como sa\u00fade e alimenta\u00e7\u00e3o.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"10,1,0\"><b data-path-to-node=\"10,1,0\" data-index-in-node=\"0\">Efeito Cascata:<\/b> Com a Selic em 14,5%, as taxas de juros no varejo, especialmente no rotativo do cart\u00e3o de cr\u00e9dito, podem ultrapassar 400% ao ano.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"10,2,0\"><b data-path-to-node=\"10,2,0\" data-index-in-node=\"0\">Precariza\u00e7\u00e3o do Trabalho:<\/b> A falta de renda recorrente obriga o trabalhador a recorrer ao cr\u00e9dito para completar o m\u00eas.<\/p>\n<\/li>\n<\/ol>\n<p data-path-to-node=\"11\">Al\u00e9m disso, a professora Maria de Lourdes Mollo (UnB) destaca que o cr\u00e9dito caro atua como um freio na economia. Assim sendo, sem capacidade de consumo, a ind\u00fastria e o com\u00e9rcio tamb\u00e9m perdem for\u00e7a, gerando um ambiente de estagna\u00e7\u00e3o.<\/p>\n<h2 data-path-to-node=\"12\">Novo Desenrola: Uma Janela de Oportunidade<\/h2>\n<p data-path-to-node=\"13\">Quanto \u00e0 resposta do governo, a nova fase do programa Desenrola busca romper esse ciclo de inadimpl\u00eancia. Por conseguinte, a estrat\u00e9gia foca na renegocia\u00e7\u00e3o direta com condi\u00e7\u00f5es facilitadas. Dessa forma, os principais benef\u00edcios incluem:<\/p>\n<ul data-path-to-node=\"14\">\n<li>\n<p data-path-to-node=\"14,0,0\"><b data-path-to-node=\"14,0,0\" data-index-in-node=\"0\">Descontos Agressivos:<\/b> Redu\u00e7\u00e3o de at\u00e9 90% no valor total da d\u00edvida.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"14,1,0\"><b data-path-to-node=\"14,1,0\" data-index-in-node=\"0\">Uso do FGTS:<\/b> Possibilidade de utilizar o saldo do fundo de garantia para abater d\u00e9bitos.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"14,2,0\"><b data-path-to-node=\"14,2,0\" data-index-in-node=\"0\">P\u00fablico Amplo:<\/b> Inclus\u00e3o de estudantes do Fies e pequenos empreendedores nesta etapa de 90 dias.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"15\">Em suma, o sucesso do programa depende de um equil\u00edbrio entre o al\u00edvio imediato e a manuten\u00e7\u00e3o de taxas de juros mais saud\u00e1veis a longo prazo. Afinal, limpar o nome do cidad\u00e3o \u00e9 apenas o primeiro passo para restaurar seu poder de compra. Logo, a expectativa \u00e9 que a medida libere o or\u00e7amento das fam\u00edlias e injete um novo est\u00edmulo na atividade econ\u00f4mica nacional.<\/p>\n<h2 data-path-to-node=\"15\">Frase-Chave: Custo do cr\u00e9dito.<\/h2>\n<p data-start=\"3857\" data-end=\"4092\"><a href=\"https:\/\/informepopular.com.br\/site\/noticias\/\">Veja outras not\u00edcias\u00a0\u00a0<\/a><\/p>\n<p data-start=\"3857\" data-end=\"4092\"><a href=\"https:\/\/www.instagram.com\/informepopular_news\/\">Acompanhe no instagram<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Com o objetivo de oferecer um f\u00f4lego financeiro \u00e0 popula\u00e7\u00e3o,&#8230;<\/p>\n","protected":false},"author":2,"featured_media":16724,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[18],"tags":[8],"class_list":["post-16723","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","tag-coluna-1"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Novo Desenrola Brasil e Custo do Cr\u00e9dito em Tempos Dif\u00cdceis - Informe Popular News<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a o novo 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