{"id":100426,"date":"2026-10-30T11:22:50","date_gmt":"2026-10-30T14:22:50","guid":{"rendered":"https:\/\/murray.adv.br\/?p=100426"},"modified":"2026-10-30T11:22:50","modified_gmt":"2026-10-30T14:22:50","slug":"household-debt-hits-record-50-1-of-annual-income","status":"publish","type":"post","link":"https:\/\/murray.adv.br\/en\/household-debt-hits-record-50-1-of-annual-income\/","title":{"rendered":"Household debt hits record 50.1% of annual income"},"content":{"rendered":"<section class=\"content--header\">\n<div class=\"row content-head non-featured \">\n<div class=\"title\">\n<h6 class=\"content-head__title\" style=\"text-align: center\"><strong><em>Delinquency also reaches historic highs as elevated interest rates strain borrowers and raise questions over the Central Bank\u2019s next move<\/em><\/strong><\/h6>\n<\/div>\n<\/div>\n<div class=\"content__signa-share\">\n<div class=\"content__signature\">\n<div class=\"content-publication-data\">\n<div class=\"content-publication-data__text\">\n<div class=\"content-publication-data__from\"><\/div>\n<p class=\"content-publication-data__updated\"><time datetime=\"2026-10-30T06:52:45.003-03:00\">10\/30\/2026\u00a0<\/time><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"content__share-bar-container\"><\/div>\n<\/div>\n<\/section>\n<div id=\"mc-article-body\" class=\"mc-article-body ready cropped\">\n<article>\n<div class=\"no-paywall\">\n<div class=\"row medium-uncollapsed content-media content-photo\" data-block-type=\"backstage-photo\" data-block-id=\"0\">\n<div class=\"mc-column content-media__container\" data-image-display=\"normal\">\n<div class=\"content-media-container\" style=\"text-align: center\">\n<figure class=\"content-media__figure\"><img loading=\"lazy\" decoding=\"async\" class=\"content-media__image aligncenter\" src=\"https:\/\/s2-valorinternational.glbimg.com\/j0IL6aN3TaZ7Fdv8v8ek1BD5CEg=\/0x0:2461x1640\/984x0\/smart\/filters:strip_icc()\/i.s3.glbimg.com\/v1\/AUTH_37554604729d4b2f9f3eb9ad8a691345\/internal_photos\/bs\/2026\/t\/S\/kHoZWmSZ6tBn84dBlLig\/161110rubens20.jpg\" alt=\"Rubens Sardenberg \u2014 Foto: Divulga\u00e7\u00e3o\" width=\"637\" height=\"424\" \/><em>Rubens Sardenberg \u2014 Photo: Divulga\u00e7\u00e3o<\/em><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"mc-column mc-side-item__container\" data-block-type=\"ads\" data-block-id=\"1\"><\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"68\" data-block-id=\"2\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">Brazilian household debt exceeded <strong>50% of annual income<\/strong> for the first time on record, the Central Bank reported. The ratio reached <strong>50.1%<\/strong> in August, its highest level since the data series began in January 2005. Delinquency on non-earmarked loans to individuals also hit a record <strong>8.1%<\/strong> in September. Analysts attribute the deterioration to high interest rates and the growing share of household income devoted to debt payments.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"34\" data-block-id=\"3\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">The Central Bank&#8217;s Monetary Policy Committee (Copom) will decide on the benchmark interest rate next Wednesday (Nov. 4), amid uncertainty over whether to extend or pause the monetary easing cycle that began in March.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"56\" data-block-id=\"5\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">The Central Bank measures household indebtedness as the ratio of outstanding debt to income accumulated over the previous 12 months, using gross household disposable national income as its benchmark. The debt-service ratio, which measures the share of monthly income used to repay loans, also reached a record in August, rising to <strong>29% from 28.8%<\/strong> in July.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"53\" data-block-id=\"6\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\"><strong>Fernando Rocha<\/strong>, the Central Bank&#8217;s head of statistics, said household indebtedness remains on an upward trend, despite relatively small fluctuations in recent months. \u201cAlthough household indebtedness has been fluctuating for several months, particularly throughout this year, between 49.7% and 49.9% of annual household income, it rose further in August, reaching 50.1%,\u201d he said.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"75\" data-block-id=\"7\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">Last week, the Central Bank announced measures aimed at curbing the active, personalized marketing of expensive credit products to vulnerable borrowers. The restrictions target people whose income is insufficient to cover basic living expenses, those with limited financial knowledge due to low levels of education, borrowers who repeatedly rely on emergency credit, and those with recurring overdue balances. Central Bank Chair <strong>Gabriel Gal\u00edpolo<\/strong> said additional measures would be announced before the end of the year.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"44\" data-block-id=\"8\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">Another warning sign is the delinquency rate on non-earmarked loans to individuals, which rose 0.1 percentage point in September to a record 8.1%. The economy-wide delinquency rate, covering all loans to households and businesses, remained at 5%, matching the highest level in the series.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"2\" data-block-id=\"9\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\"><strong>Structural pressures<\/strong><\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"47\" data-block-id=\"10\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\"><strong>Sara Paix\u00e3o<\/strong>, a macroeconomic analyst at InvestSmart XP, said structural factors, particularly high interest rates, continue to drive delinquency despite <a class=\"\" href=\"https:\/\/measures.globo.com\/v1\/click?c=busca-headless&amp;h=463cc1f5d149f7516047f939f255c06267acf8319727f5e88378c3dcd12ec87926c5fed489431debc333a21585e63231bb688cb9849c90c0d6c38ed686792c58&amp;k=globocom.busca-headless&amp;pa=1&amp;po=10&amp;q=desenrola&amp;qid=valorinternational.info_query_recency&amp;rid=f11f3b17c6e10c9c3f38cd9621196688&amp;t=valorinternational&amp;ts=1793353906&amp;u=https%3A%2F%2Fvalorinternational.globo.com%2Feconomy%2Fnews%2F2026%2F10%2F14%2Flula-unveils-new-aid-measures-ahead-of-brazil-runoff.ghtml&amp;_gl=1*iqweao*_ga*NjMzMTY3MjY1LjE3NDI5Nzc1OTU.*_ga_NWTRTWY1TF*czE3OTMzNTM2NzIkbzgxNSRnMSR0MTc5MzM1MzkwNyRqNTYkbDAkaDA.\">debt renegotiation programs such as <span class=\"highlight\">Desenrola<\/span><\/a>. She warned that expectations of slower economic activity in 2027 could make it even harder for households to manage their finances.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"28\" data-block-id=\"11\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cWeaker [GDP] growth could affect job creation and increase unemployment, undermining households&#8217; ability to repay their debts and making it harder for delinquency rates to decline,\u201d Paix\u00e3o said.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"26\" data-block-id=\"13\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\"><strong>Rubens Sardenberg<\/strong>, director of economics, prudential regulation and risk at the Brazilian Federation of Banks (Febraban), said the latest figures suggest delinquency has yet to peak.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"27\" data-block-id=\"14\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cIt gives the impression that the process is continuing. It&#8217;s not acute, and the worst phase seems to have passed, but there&#8217;s still some deterioration to come.\u201d<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"36\" data-block-id=\"15\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">Febraban&#8217;s periodic survey of member banks projects that the delinquency rate on non-earmarked loans to individuals and businesses will reach 6.1% at the end of this year before easing to 5.9% by the close of 2027.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"32\" data-block-id=\"16\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">Goldman Sachs warned in a report that credit conditions would face headwinds in the coming months as economic growth slows, delinquency increases, and household indebtedness and debt-service burdens remain at record levels.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"28\" data-block-id=\"17\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cHowever, lending activity by state-owned banks, together with credit lines supported by the federal government and these institutions, should continue to sustain the credit cycle,\u201d the bank said.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"21\" data-block-id=\"18\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">Citi analysts also pointed to further deterioration in household credit quality, even as the overall delinquency rate held steady at 5%.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"35\" data-block-id=\"19\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cIn consumer lending, delinquency on private-sector payroll-deductible loans increased 20 basis points month over month to 10.8%, while credit card delinquency rose 10 basis points to 10%, and personal loan delinquency remained stable at 11.1%.\u201d<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"3\" data-block-id=\"20\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\"><strong>Pressure on banks<\/strong><\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"41\" data-block-id=\"21\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">During Bradesco&#8217;s third-quarter earnings presentation, held before the presidential runoff, CEO <strong>Marcelo Noronha<\/strong> said the macroeconomic outlook had deteriorated regardless of electoral developments. He described widespread pressure on credit quality, affecting not only Bradesco but the banking industry as a whole.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"25\" data-block-id=\"22\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cI see a period of greater pressure ahead, but I&#8217;m confident that our loan portfolio is much more tightly controlled than the market&#8217;s,\u201d Noronha said.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"17\" data-block-id=\"23\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">Bradesco&#8217;s delinquency rate rose to <strong>4.6%<\/strong> in September, from <strong>4.3%<\/strong> in June and <strong>4.1% <\/strong>a year earlier.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"34\" data-block-id=\"26\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\"><span class=\"highlight\">At Santander, t<\/span>he rate climbed to <strong>3.4%,<\/strong> compared with <strong>3.3%<\/strong> in June and <strong>2.8% <\/strong>in the earlier comparison period. The bank said the deterioration was driven primarily by lower-income borrowers and the agribusiness sector.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"25\" data-block-id=\"27\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">Chief Financial Officer <strong>Carlos Mu\u00f1iz <\/strong>said credit card deterioration had previously been confined to lower-income customers but was now beginning to spread to middle-income borrowers.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"13\" data-block-id=\"28\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cAmong high-income individual customers and businesses, performance has been reasonably good,\u201d Mu\u00f1iz said.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"3\" data-block-id=\"29\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\"><strong>Interest rate uncertainty<\/strong><\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"50\" data-block-id=\"30\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\"><strong>Leandro Padulla<\/strong>, an economist at ASA, expects the Central Bank to cut the Selic benchmark interest rate by 25 basis points to 13.5% next Wednesday. However, he said the <span class=\"highlight\">recent selloff in Brazilian assets<\/span> following President <strong>Luiz In\u00e1cio Lula da Silva&#8217;<\/strong>s reelection had \u201csignificantly increased the likelihood of a hold.\u201d<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"47\" data-block-id=\"31\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cIf the committee goes ahead with the cut, we expect it to adopt a more cautious tone, acknowledging that the deterioration in financial conditions has reduced the room for further monetary easing. Under that scenario, the most likely signal would be a pause in December,\u201d Padulla said.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"32\" data-block-id=\"32\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">Febraban&#8217;s Sardenberg said the trajectory of delinquency in 2027 would depend heavily on the macroeconomic environment, which in turn would be shaped by the new Lula administration&#8217;s policies, particularly its fiscal stance.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"85\" data-block-id=\"33\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cWe&#8217;re in an environment where the economy is slowing down, there&#8217;s no doubt about that, and this could affect employment, while household debt-service burdens are already quite high. On the other hand, banks are cautious, and riskier lending segments are slowing. So if the government addresses the fiscal issue, we could see delinquency deteriorate but at a gradually diminishing pace. However, if the market continues to price in a very high interest rate curve, there could be a significant additional deterioration [in delinquency],\u201d he said.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"3\" data-block-id=\"34\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\"><strong>Tighter lending rules<\/strong><\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"48\" data-block-id=\"35\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">On Thursday (Oct. 29), Ita\u00fa BBA lowered its 2027 earnings forecasts for Nubank, citing continued deterioration in consumer credit conditions. Analysts warned that lower-income borrowers and unsecured lending products \u2014 two areas where the fintech has a particularly strong presence \u2014 were likely to face the greatest pressure.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"17\" data-block-id=\"38\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">They also highlighted risks from<span class=\"highlight\"> new macroprudential measures<\/span> expected to be announced soon by the Central Bank.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"41\" data-block-id=\"39\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cThe measures under consideration include stricter prudential requirements for certain credit products, closer monitoring of borrowers&#8217; repayment capacity, and greater emphasis on suitability and financial affordability \u2014 the ability to meet repayment obligations \u2014 when credit is granted,\u201d the analysts said.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"35\" data-block-id=\"40\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">An industry executive said implementing the new measures would be operationally challenging but expected the Central Bank to introduce tighter restrictions. One possibility is an increase in the risk-weighting factor applied to credit card lending.<\/p>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"49\" data-block-id=\"41\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\">\u201cThe risk-weighting factor is definitely on the table, but I have doubts about its effectiveness. If you raise the cost, that could reduce credit supply on one hand, but it could also lead to higher prices for consumers on the other. It&#8217;s not a simple equation,\u201d the executive said.<\/p>\n<\/div>\n<p data-track-category=\"Link no Texto\" data-track-links=\"\">*By Hamilton Ferrari\u00a0and\u00a0\u00c1lvaro Campos\u00a0\u2014 Bras\u00edlia and S\u00e3o Paulo<\/p>\n<p data-track-category=\"Link no Texto\" data-track-links=\"\">Source: Valor International<\/p>\n<p>https:\/\/valorinternational.globo.com\/<\/p>\n<\/div>\n<\/article>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Delinquency also reaches historic highs as elevated interest rates strain borrowers and raise questions over the Central Bank\u2019s next move 10\/30\/2026\u00a0 Rubens Sardenberg \u2014 Photo: Divulga\u00e7\u00e3o Brazilian household debt exceeded 50% of annual income for the first time on record, the Central Bank reported. The ratio reached 50.1% in August, its highest level since the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8106],"tags":[27221],"class_list":["post-100426","post","type-post","status-publish","format-standard","hentry","category-murray-news","tag-household-debt-hits-record-50-1-of-annual-income"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Household debt hits record 50.1% of annual income - Murray Advogados<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/murray.adv.br\/en\/household-debt-hits-record-50-1-of-annual-income\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Household debt hits record 50.1% of annual income - Murray Advogados\" \/>\n<meta property=\"og:description\" content=\"Delinquency also reaches historic highs as elevated interest rates strain borrowers and raise questions over the Central Bank\u2019s next move 10\/30\/2026\u00a0 Rubens Sardenberg \u2014 Photo: Divulga\u00e7\u00e3o Brazilian household debt exceeded 50% of annual income for the first time on record, the Central Bank reported. The ratio reached 50.1% in August, its highest level since the [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/murray.adv.br\/en\/household-debt-hits-record-50-1-of-annual-income\/\" \/>\n<meta property=\"og:site_name\" content=\"Murray Advogados\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-30T14:22:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s2-valorinternational.glbimg.com\/j0IL6aN3TaZ7Fdv8v8ek1BD5CEg=\/0x0:2461x1640\/984x0\/smart\/filters:strip_icc()\/i.s3.glbimg.com\/v1\/AUTH_37554604729d4b2f9f3eb9ad8a691345\/internal_photos\/bs\/2026\/t\/S\/kHoZWmSZ6tBn84dBlLig\/161110rubens20.jpg\" \/>\n<meta name=\"author\" content=\"Gelcy Bueno\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gelcy Bueno\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/murray.adv.br\/en\/household-debt-hits-record-50-1-of-annual-income\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/murray.adv.br\/en\/household-debt-hits-record-50-1-of-annual-income\/\"},\"author\":{\"name\":\"Gelcy Bueno\",\"@id\":\"https:\/\/murray.adv.br\/en\/#\/schema\/person\/dd0d0bea46c2436124555d18c1a0d52e\"},\"headline\":\"Household debt hits record 50.1% of annual income\",\"datePublished\":\"2026-10-30T14:22:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/murray.adv.br\/en\/household-debt-hits-record-50-1-of-annual-income\/\"},\"wordCount\":1213,\"image\":{\"@id\":\"https:\/\/murray.adv.br\/en\/household-debt-hits-record-50-1-of-annual-income\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/s2-valorinternational.glbimg.com\/j0IL6aN3TaZ7Fdv8v8ek1BD5CEg=\/0x0:2461x1640\/984x0\/smart\/filters:strip_icc()\/i.s3.glbimg.com\/v1\/AUTH_37554604729d4b2f9f3eb9ad8a691345\/internal_photos\/bs\/2026\/t\/S\/kHoZWmSZ6tBn84dBlLig\/161110rubens20.jpg\",\"keywords\":[\"Household debt hits record 50.1% of annual income\"],\"articleSection\":[\"Murray News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/murray.adv.br\/en\/household-debt-hits-record-50-1-of-annual-income\/\",\"url\":\"https:\/\/murray.adv.br\/en\/household-debt-hits-record-50-1-of-annual-income\/\",\"name\":\"Household debt hits record 50.1% of annual income - 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