Historic Delinquency Rates: What It Means for You

What happened?

According to G1, the average delinquency rate for credit operations in banks reached 4.4% in April 2026, a historic peak. This rate is important as it reflects the number of individuals and companies with debts overdue for more than 90 days. Furthermore, the delinquency rate for individuals rose to 5.4%, the highest since May 2012.

We are approaching the launch of Desenrola 2.0, a government program aimed at debt renegotiation. The increase in delinquency is a warning signal regarding the financial situation of many families and businesses in Brazil.

Why does it matter?

High delinquency can directly impact the economy as a whole. When people cannot pay their debts, it creates a cascading effect. Banks have less money to lend, making it harder to obtain credit for those in need. Additionally, consumer confidence may decrease, leading to reduced spending and, consequently, economic growth.

For you, navigating daily life and managing bills, this means you need to be even more vigilant about your financial health. Rising delinquency can affect your ability to secure new loans, such as a mortgage or a personal loan in an emergency.

What changes for those earning a salary and paying bills?

If you have debts, it’s crucial to understand what you’re getting into. With increasing delinquency rates, banks may become stricter about credit conditions. This could include higher interest rates and fewer financing options.

• Income and Debt: Imagine you earn R$ 3,000 per month and have debts consuming 50% of your income. That means you're spending R$ 1,500 just to pay off debts, which could hinder your ability to cover everyday expenses.
• Budgeting: A well-structured budget can help. Using the 50/30/20 method, you allocate 50% of your income for needs, 30% for wants, and 20% for savings and investments. If your debts are too high, you may need to adjust these percentages temporarily.

What to do?

Now that you know how delinquency can affect your life, it’s time to take action. Here are some practical tips:

• Review your bills: Take stock of all your debts and prioritize them. High-interest debts, like credit cards and overdrafts, should be paid off first.
• Consider Desenrola 2.0: If you qualify for the program, it may be a good opportunity to renegotiate your debts and relieve financial pressure.
• Build an emergency fund: Always set aside a portion of your income for emergencies. This can prevent you from needing to resort to credit in unexpected situations.

Connection with financial organization and ADXIS

Dealing with delinquency is a challenge many Brazilians face today. However, with organization and financial planning, it’s possible to turn this situation around. The 50/30/20 method can be a valuable tool for you to keep your finances in check and avoid falling into delinquency. Track your expenses and always seek to renegotiate your debts, using programs like Desenrola 2.0 to your advantage. With our ADXIS platform, you have the support you need to organize your finances and achieve your goals.