Dívida recorde das famílias nos EUA
July 15, 2021 - A dívida das famílias nos EUA cresceu $85.000 milhões para $14,64 biliões no primeiro trimestre de 2021, impelida pelas hipotecas, crédito automóvel e a estudantes – os maiores componentes da dívida familiar.
The Federal Reserve Bank of New York’s Quarterly Report on Household Debt and Credit show that total household debt increased by $85 billion (0.6 per cent) to $14.64 trillion in the first quarter of 2021.
Fueled by low rates and a red-hot housing market, mortgage debt rose by $117 billion in the first quarter of 2021 and stood at $10.16 trillion at the end of March.
Auto and student loan balances increased by $8 billion and $29 billion in the first quarter, respectively.
One surprise in the report came from a substantial decline in credit card debt. Credit card balances now total $770 billion, or $157 billion lower than they were at the end of 2019, “consistent with both paydowns among borrowers and reduced consumption opportunities,” the report stated.
In total, non-housing balances (including credit card, auto loan, student loan, and other debts) decreased by $18 billion and are now $49 billion below the 2019-Q4 level.