Economía

$2.200.000: ese el monto que de media los chilenos deben a los bancos

6 Enero 2021  12:30

La Comisión para el Mercado Financiero (CMF) publicó hoy el informe de endeudamiento bancario de las personas naturales en 2020, con obligaciones de consumo y vivienda.

El informe considera tres dimensiones: nivel de deuda (préstamo de dinero que una institución financiera otorga a una persona natural), carga financiera (porcentaje del ingreso mensual que es destinado al pago de obligaciones financieras) y apalancamiento (el número de ingresos mensuales que un deudor tendría que destinar para saldar sus obligaciones financieras por completo).

Entre los principales datos, el informe consigna 5 millones de deudores bancarios con un total $81 mil millones en colocaciones, que corresponden a un 88% del stock total de préstamos vigentes de los hogares en Chile.

A junio de 2020, el nivel de deuda representativa de los deudores bancarios, definido por la mediana de la distribución, fue de $2,2 millones, mientras que los indicadores de carga financiera y apalancamiento fueron de 16,9% y 3,6 veces el ingreso, respectivamente.

POR NIVELES

De acuerdo al Informe, el segmento entre 35 y 40 años exhibe el mayor nivel de deuda ($5,7 millones), mostrando una alta correlación con decisiones de compra de vivienda.

Adicionalmente, la deuda representativa crece con el ingreso de la población evaluada. Así, los deudores con rentas sobre $ 1,2 millones acumulan 68,2% de la deuda, mientras su participación sobre el total de deudores es de 22,8%.

En cuanto a la distribución geográfica, las zonas norte y sur del país exhiben indicadores de endeudamiento superiores a los de la zona central.

Por género, el número de deudores bancarios es equilibrado entre hombres y mujeres (51,3% vs 47,1% del total). Sin embargo, la deuda de las mujeres ($ 1,5 millones) es cercana a la mitad de la de los hombres ($ 3,1 millones).

ALTA CARGA FINANCIERA

A junio de 2020, el 16% de los deudores exhibía una alta carga financiera, correspondiente a aquellos que mantienen una carga financiera superior al 50% de su ingreso mensual. Esta cifra es inferior al 18,8% observado a igual fecha del año anterior.

Por su parte, 23,4% de los deudores presentaban una carga financiera mayor al 40% de su ingreso mensual.

En línea con lo anterior, alrededor de 441 mil deudores bancarios registran atrasos u obligaciones impagas de uno o más días, lo que representa un 8,7% del total de los deudores.

A nivel internacional, el endeudamiento agregado de los hogares en Chile se encuentra en línea con los niveles observados en países de similar ingreso per cápita, no obstante, se observa un sesgo al alza en los últimos años.

Adicionalmente, existen segmentos cuyos indicadores son significativamente más altos que los reflejados en mediciones basadas en promedios o medianas.

En efecto, un 23% de los deudores bancarios presenta cargas financieras que más que duplican la carga mediana y exhiben niveles de apalancamientos 6 veces superior al nivel mediano.

  


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