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"debt_service_ex_housing_end_pct": 23.69, "debt_service_ex_housing_average_pct": 24.1725, "interest_burden_end_pct": 8.95, "interest_burden_average_pct": 9.1525, "amortization_burden_end_pct": 16.83, "amortization_burden_average_pct": 17.1342, "delinquency_total_pf_end_pct": 3.63, "delinquency_total_pf_average_pct": 3.7592, "delinquency_free_pf_end_pct": 5.4, "delinquency_free_pf_average_pct": 5.6108, "housing_debt_contribution_pct_points": 18.15, "housing_service_contribution_pct_points": 2.09, "interest_share_of_service_pct": 34.7168, "amortization_share_of_service_pct": 65.2832, "service_composition_gap_pct_points": 0.0 }, { "year": 2025, "debt_income_total_end_pct": 49.72, "debt_income_total_average_pct": 49.0308, "debt_income_ex_housing_end_pct": 31.16, "debt_income_ex_housing_average_pct": 30.7075, "debt_service_total_end_pct": 27.11, "debt_service_total_average_pct": 27.3825, "debt_service_ex_housing_end_pct": 24.94, "debt_service_ex_housing_average_pct": 25.1783, "interest_burden_end_pct": 10.0, "interest_burden_average_pct": 9.9392, "amortization_burden_end_pct": 17.11, "amortization_burden_average_pct": 17.4433, "delinquency_total_pf_end_pct": 5.12, "delinquency_total_pf_average_pct": 4.55, "delinquency_free_pf_end_pct": 7.06, "delinquency_free_pf_average_pct": 6.5, "housing_debt_contribution_pct_points": 18.56, "housing_service_contribution_pct_points": 2.17, "interest_share_of_service_pct": 36.8868, "amortization_share_of_service_pct": 63.1132, "service_composition_gap_pct_points": 0.0 } ], "change": { "debt_income_total": { "start_period": "2005-03", "end_period": "2025-12", "start_value_pct": 17.2, "end_value_pct": 49.72, "change_pct_points": 32.52, "relative_change_pct": 189.0698 }, "debt_income_ex_housing": { "start_period": "2005-03", "end_period": "2025-12", "start_value_pct": 14.56, "end_value_pct": 31.16, "change_pct_points": 16.6, "relative_change_pct": 114.011 }, "debt_service_total": { "start_period": "2005-03", "end_period": "2025-12", "start_value_pct": 17.15, "end_value_pct": 27.11, "change_pct_points": 9.96, "relative_change_pct": 58.0758 }, "debt_service_ex_housing": { "start_period": "2005-03", "end_period": "2025-12", "start_value_pct": 16.78, "end_value_pct": 24.94, "change_pct_points": 8.16, "relative_change_pct": 48.6293 }, "interest_burden": { "start_period": "2005-03", "end_period": "2025-12", "start_value_pct": 5.14, "end_value_pct": 10.0, "change_pct_points": 4.86, "relative_change_pct": 94.5525 }, "amortization_burden": { "start_period": "2005-03", "end_period": "2025-12", "start_value_pct": 12.01, "end_value_pct": 17.11, "change_pct_points": 5.1, "relative_change_pct": 42.4646 }, "delinquency_total_pf": { "start_period": "2011-03", "end_period": "2025-12", "start_value_pct": 4.62, "end_value_pct": 5.12, "change_pct_points": 0.5, "relative_change_pct": 10.8225 }, "delinquency_free_pf": { "start_period": "2011-03", "end_period": "2025-12", "start_value_pct": 5.54, "end_value_pct": 7.06, "change_pct_points": 1.52, "relative_change_pct": 27.4368 } }, "highlights": { "highest_debt_income_total": { "period": "2022-07", "value_pct": 49.89 }, "lowest_debt_income_total": { "period": "2005-03", "value_pct": 17.2 }, "highest_debt_service_total": { "period": "2023-03", "value_pct": 29.03 }, "highest_interest_burden": { "period": "2025-10", "value_pct": 10.66 }, "highest_delinquency_total_pf": { "period": "2012-05", "value_pct": 5.51 }, "lowest_delinquency_total_pf": { "period": "2020-12", "value_pct": 2.89 } }, "consistency": { "service_equals_interest_plus_amortization": { "largest_absolute_gap_period": "2005-11", "largest_absolute_gap_pct_points": 0.0, "signed_gap_pct_points": -0.0 } }, "formula_notes": { "housing_debt_contribution": "endividamento total - endividamento exceto crédito habitacional", "housing_service_contribution": "serviço total - serviço exceto crédito habitacional", "interest_share_of_service": "comprometimento com juros ÷ comprometimento com serviço total × 100", "amortization_share_of_service": "comprometimento com amortizações ÷ comprometimento com serviço total × 100", "change_pct_points": "valor final - valor inicial, em pontos percentuais" }, "warnings": [ "Endividamento mede estoque de dívida em relação à renda acumulada em doze meses; comprometimento mede fluxo mensal de pagamentos esperados em relação à renda mensal.", "A diferença entre as séries com e sem crédito habitacional é uma decomposição aritmética e não mede risco, qualidade do crédito ou benefício patrimonial.", "A parcela de juros no serviço da dívida é uma razão entre agregados oficiais; não equivale à taxa efetiva paga por cada família.", "Inadimplência representa a parcela da carteira com pelo menos uma prestação em atraso superior a 90 dias; não é a percentagem de pessoas inadimplentes.", "As séries possuem datas iniciais diferentes. Nenhum valor foi retroprojetado para preencher períodos não publicados.", "Indicadores agregados não mostram distribuição por renda, região, idade, composição familiar, modalidade de crédito ou patrimônio.", "Os dados têm defasagem de publicação e podem ser revistos pelo Banco Central." ], "generated_at": "2026-07-27T19:37:46+00:00", "provenance": { "source": "Banco Central do Brasil", "system": "SGS", "raw_sha256": "f995d1cc0a42bfc010ea6a9537011ba9fdd860478184e5527c38f96db33ffffd", "methodology_version": "0.6.0", "series": { "debt_income_total": { "code": "29037", "name": "Endividamento das famílias com o SFN em relação à renda acumulada em 12 meses", "metadata_url": "https://www3.bcb.gov.br/sgspub/consultarmetadados/consultarMetadadosSeries.do?method=consultarMetadadosSeriesInternet&hdOidSerieSelecionada=29037", "chart_url": "https://www3.bcb.gov.br/sgspub/consultarvalores/consultarValoresSeries.do?method=consultarGraficoPorId&hdOidSeriesSelecionadas=29037" }, "debt_income_ex_housing": { "code": "29038", "name": "Endividamento das famílias exceto crédito habitacional em relação à renda acumulada em 12 meses", "metadata_url": "https://www3.bcb.gov.br/sgspub/consultarmetadados/consultarMetadadosSeries.do?method=consultarMetadadosSeriesInternet&hdOidSerieSelecionada=29038", "chart_url": "https://www3.bcb.gov.br/sgspub/consultarvalores/consultarValoresSeries.do?method=consultarGraficoPorId&hdOidSeriesSelecionadas=29038" }, "debt_service_total": { "code": "29265", "name": "Comprometimento da renda com o serviço da dívida — total — sem ajuste sazonal", "metadata_url": "https://www3.bcb.gov.br/sgspub/consultarmetadados/consultarMetadadosSeries.do?method=consultarMetadadosSeriesInternet&hdOidSerieSelecionada=29265", "chart_url": "https://www3.bcb.gov.br/sgspub/consultarvalores/consultarValoresSeries.do?method=consultarGraficoPorId&hdOidSeriesSelecionadas=29265" }, "debt_service_ex_housing": { "code": "29266", "name": "Comprometimento da renda com o serviço da dívida exceto habitacional — sem ajuste sazonal", "metadata_url": "https://www3.bcb.gov.br/sgspub/consultarmetadados/consultarMetadadosSeries.do?method=consultarMetadadosSeriesInternet&hdOidSerieSelecionada=29266", "chart_url": "https://www3.bcb.gov.br/sgspub/consultarvalores/consultarValoresSeries.do?method=consultarGraficoPorId&hdOidSeriesSelecionadas=29266" }, "interest_burden": { "code": "29264", "name": "Comprometimento da renda com juros da dívida — sem ajuste sazonal", "metadata_url": "https://www3.bcb.gov.br/sgspub/consultarmetadados/consultarMetadadosSeries.do?method=consultarMetadadosSeriesInternet&hdOidSerieSelecionada=29264", "chart_url": "https://www3.bcb.gov.br/sgspub/consultarvalores/consultarValoresSeries.do?method=consultarGraficoPorId&hdOidSeriesSelecionadas=29264" }, "amortization_burden": { "code": "29263", "name": "Comprometimento da renda com amortizações da dívida — sem ajuste sazonal", "metadata_url": "https://www3.bcb.gov.br/sgspub/consultarmetadados/consultarMetadadosSeries.do?method=consultarMetadadosSeriesInternet&hdOidSerieSelecionada=29263", "chart_url": "https://www3.bcb.gov.br/sgspub/consultarvalores/consultarValoresSeries.do?method=consultarGraficoPorId&hdOidSeriesSelecionadas=29263" }, "delinquency_total_pf": { "code": "21084", "name": "Inadimplência da carteira de crédito — pessoas físicas — total", "metadata_url": "https://www3.bcb.gov.br/sgspub/consultarmetadados/consultarMetadadosSeries.do?method=consultarMetadadosSeriesInternet&hdOidSerieSelecionada=21084", "chart_url": "https://www3.bcb.gov.br/sgspub/consultarvalores/consultarValoresSeries.do?method=consultarGraficoPorId&hdOidSeriesSelecionadas=21084" }, "delinquency_free_pf": { "code": "21112", "name": "Inadimplência da carteira de crédito com recursos livres — pessoas físicas — total", "metadata_url": "https://www3.bcb.gov.br/sgspub/consultarmetadados/consultarMetadadosSeries.do?method=consultarMetadadosSeriesInternet&hdOidSerieSelecionada=21112", "chart_url": "https://www3.bcb.gov.br/sgspub/consultarvalores/consultarValoresSeries.do?method=consultarGraficoPorId&hdOidSeriesSelecionadas=21112" } } } }