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O impacto da literacia financeira na contratação de crédito: O caso do crédito habitação
| Name: | Description: | Size: | Format: | |
|---|---|---|---|---|
| 1.14 MB | Adobe PDF |
Advisor(s)
Abstract(s)
Considerando a elevada inflação que se tem vivido atualmente, e com as crises financeiras do passado, nomeadamente a de 2008, originada pela desregulação dos mercados financeiros (Serralheiro, 2014) e a subsequente crise financeira de 2010 a 2014 em Portugal, seria de esperar que a população portuguesa estivesse mais precavida para este tipo de cenários que resultam na possível perda do poder de compra. No entanto, tem-se vindo a verificar que muitas pessoas têm recorrido a pedidos de ajuda de restruturação de crédito junto da DECO devido ao aumento do custo de vida, com o objetivo de conseguirem manter a sua estabilidade financeira. É neste âmbito que se torna importante analisar e compreender se os recursos e os apoios disponibilizados para aumentar a literacia financeira da população portuguesa têm sido suficientes ou não. Com isto, pretende-se avaliar a influência da literacia financeira na ótica da aquisição do crédito, nomeadamente do crédito à habitação. Assim, nesta dissertação será utilizada uma metodologia qualitativa baseada em análise documental e em entrevistas realizadas a indivíduos que tenham passado por um processo de crédito à habitação. Adicionalmente, pretende-se compreender como as instituições financeiras têm desempenhado o seu papel como fonte de informação e o que podem fazer para auxiliar o consumidor do crédito à habitação a tomar decisões mutuamente benéficas. No final, através dos resultados obtidos conclui-se que a literacia e a formação financeira ajudam a que as pessoas tenham mais proatividade na renegociação dos contratos relacionados com o crédito à habitação, acabando por obter melhores condições.
Given the high inflation experiencing these days and the financial crises of the past, in particular the 2008 crisis caused by the deregulation of the financial markets (Serralheiro, 2014) and the subsequent financial crisis in Portugal from 2010 to 2014, one would expect the Portuguese population to be more prepared for this type of scenario, which results in a possible loss of purchasing power. However, it has become clear that many people have turned to DECO for help with credit restructuring due to the rising cost of living, in order to maintain their financial stability. It is in this context that it becomes important to analyze and understand whether the resources and support made available to increase the financial literacy of the Portuguese population have been sufficient or not. The aim is to assess the influence of financial literacy from the point of view of acquiring credit, particularly home loans. This dissertation will use a qualitative methodology, based on documentary analysis and interviews with individuals who have been through a housing loan process. In addition, the aim is to understand how financial institutions have played their role as a source of information, and what they can do to help mortgage consumers make mutually beneficial decisions. In the end, with the results obtained it is concluded that financial literacy and formation help people to be more proactive in renegotiating contracts related to mortgage loans, ultimately obtaining better conditions.
Given the high inflation experiencing these days and the financial crises of the past, in particular the 2008 crisis caused by the deregulation of the financial markets (Serralheiro, 2014) and the subsequent financial crisis in Portugal from 2010 to 2014, one would expect the Portuguese population to be more prepared for this type of scenario, which results in a possible loss of purchasing power. However, it has become clear that many people have turned to DECO for help with credit restructuring due to the rising cost of living, in order to maintain their financial stability. It is in this context that it becomes important to analyze and understand whether the resources and support made available to increase the financial literacy of the Portuguese population have been sufficient or not. The aim is to assess the influence of financial literacy from the point of view of acquiring credit, particularly home loans. This dissertation will use a qualitative methodology, based on documentary analysis and interviews with individuals who have been through a housing loan process. In addition, the aim is to understand how financial institutions have played their role as a source of information, and what they can do to help mortgage consumers make mutually beneficial decisions. In the end, with the results obtained it is concluded that financial literacy and formation help people to be more proactive in renegotiating contracts related to mortgage loans, ultimately obtaining better conditions.
Description
Keywords
Literacia financeira Formação financeira Crédito à habitação Economia comportamental Financial literacy Financial education Home mortgage Behavioral economics