{"id":45369,"date":"2025-10-02T09:00:00","date_gmt":"2025-10-02T07:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/magazine\/9-amilies-no-arriben-final-mes\/"},"modified":"2025-10-02T09:01:11","modified_gmt":"2025-10-02T07:01:11","slug":"9-families-struggling-make-ends-meet","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/9-families-struggling-make-ends-meet\/","title":{"rendered":"9% of families struggling to make ends meet"},"content":{"rendered":"
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El Banc d\u2019Espanya alerta que 1,6 milions de llars no poden fer front a les despeses essencials. L\u2019encariment dels productes b\u00e0sics, la inflaci\u00f3 i la pujada dels tipus d\u2019inter\u00e8s estan fent cr\u00e9ixer la proporci\u00f3 de fam\u00edlies en situaci\u00f3 de vulnerabilitat.<\/b><\/h3>\n

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Gaireb\u00e9 <\/span>una de cada deu fam\u00edlies espanyoles no va poder cobrir les despeses essencials amb la seva renda bruta durant el 2022, davant del 7% de fa dos anys<\/b>. Pressionades per l\u2019encariment dels productes b\u00e0sics, l\u2019elevada inflaci\u00f3 i per l\u2019efecte que la pujada dels tipus d\u2019inter\u00e8s del BCE ha tingut sobre les hipoteques. Aquesta \u00e9s una de les principals dades que es desprenen de l\u2019<\/span>informe<\/span><\/a> sobre la situaci\u00f3 financera de les llars i les empreses que el Banc d\u2019Espanya va publicar aquest dijous passat.<\/span><\/p>\n

L\u2019\u00f2rgan supervisor estatal constata que la inflaci\u00f3 \u00e9s la principal causa darrere de la p\u00e8rdua de poder adquisitiu acumulada del 4,5% i que<\/span> l’augment dels tipus d’inter\u00e8s afecta de manera directa a les llars amb pr\u00e9stecs a tipus variable<\/b>. “Les llars amb aquests tipus de deutes, independentment del nivell de renda, s\u00f3n m\u00e9s vulnerables. Aix\u00f2 \u00e9s aix\u00ed no nom\u00e9s perqu\u00e8 dedicaven un percentatge major de la seva renda a despeses essencials sin\u00f3 perqu\u00e8 els seus actius l\u00edquids cobreixen una menor proporci\u00f3 d\u2019aquesta despesa”.<\/span><\/p>\n

L\u2019informe tamb\u00e9 assenyala que <\/span>l’increment del cost de finan\u00e7ament ha provocat una reducci\u00f3 en la demanda de cr\u00e8dits a les llars en els darrers mesos<\/b>, que ja es va veure a finals del 2022 i que s’ha accentuat durant els tres primers mesos d’aquest any, amb un impacte especial en els pr\u00e9stecs destinats a l’adquisici\u00f3 d’habitatges. Segons els bancs, aquesta evoluci\u00f3 \u00e9s fruit de l’augment dels tipus d’inter\u00e8s i una disminuci\u00f3 de la confian\u00e7a dels consumidors. Pel que fa al segon trimestre, els bancs preveuen una caiguda addicional en les sol\u00b7licituds de cr\u00e8dit a les llars.<\/span><\/p>\n

L\u2019acc\u00e9s al cr\u00e8dit no nom\u00e9s s\u2019ha deteriorat per a les llars,<\/span> les empreses, especialment les PIMES, tenen m\u00e9s dificultats per aconseguir cr\u00e8dit<\/b>, i quan l\u2019aconsegueixen \u00e9s en condicions m\u00e9s desfavorables. El Banc d\u2019Espanya avisa que tot i que la facturaci\u00f3 de les empreses va seguir pujant significativament i que el seu endeutament s\u2019ha continuat reduint, el cost mitj\u00e0 del deute “estaria comen\u00e7ant a frenar l’augment dels beneficis despr\u00e9s d’interessos”.<\/span><\/p>\n

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Creix l\u2019estalvi i es redueix l\u2019endeutament de les llars<\/b><\/h3>\n

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No tot s\u00f3n males not\u00edcies. Les dades de l\u2019informe indiquen que <\/span>la taxa d\u2019estalvi de les llars ha repuntat, principalment per la contracci\u00f3 del consum,<\/b> que se situa per sota de la seva mitjana hist\u00f2rica, i abandona la tend\u00e8ncia descendent observada despr\u00e9s de la pand\u00e8mia.\u00a0<\/span><\/p>\n

D\u2019altra banda, el Banc d’Espanya aclareix que el comportament de la taxa d’estalvi durant els \u00faltims anys \u00e9s compatible amb l’acumulaci\u00f3 d’actius l\u00edquids per part de les llars. De la mateixa manera, explica que, <\/span>en termes reals, la riquesa es va recuperar a la fi de 2022, despr\u00e9s de les caigudes dels trimestres anteriors<\/b>, gr\u00e0cies a la moderaci\u00f3 de la inflaci\u00f3. Encara que la desacceleraci\u00f3 del preu de l’habitatge va fer que el component immobiliari contribu\u00eds a l’augment de la riquesa nominal.<\/span><\/p>\n

Aix\u00ed mateix, <\/span>la proporci\u00f3 d’endeutament de les llars ha experimentat una disminuci\u00f3 significativa<\/b>, situant-se a principis de 2023 en nivells que no s’havien observat des de 2003. Aquesta reducci\u00f3 es deu principalment a l’increment dels ingressos nominals -impulsats per la creaci\u00f3 d’ocupaci\u00f3 i l’augment dels salaris- i vinculada, en part, al repunt de la inflaci\u00f3.<\/span><\/p>\n

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Si vols descobrir com aconseguir guanys pels teus estalvis amb un producte de just\u00edcia social, 11Onze Recomana <\/b>Finan\u00e7a Litigis<\/b><\/a>. Perqu\u00e8 l\u2019estiu que ve, tinguis les vacances pagades!<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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