{"id":9395,"date":"2018-12-07T11:10:12","date_gmt":"2018-12-07T11:10:12","guid":{"rendered":"http:\/\/fefac.cat\/empresarial\/?p=9395"},"modified":"2018-12-07T11:10:12","modified_gmt":"2018-12-07T11:10:12","slug":"620000-catalans-finanaran-les-seves-compres-de-n","status":"publish","type":"post","link":"https:\/\/fefac.cat\/empresarial\/620000-catalans-finanaran-les-seves-compres-de-n\/","title":{"rendered":"620.000 catalans finan\u00e7aran les seves compres de Nadal"},"content":{"rendered":"<p>617.997 catalans recorreran a algun producte de finan&ccedil;ament (targetes de cr&egrave;dit, pr&eacute;stecs al consum, avan&ccedil;aments de n&ograve;mina&#8230;) per poder pagar les seves despeses durant el Nadal, una xifra que equival al 13,03% de la poblaci&oacute; adulta de la comunitat, segons una an&agrave;lisi de Kelisto.es.<\/p>\n<p>Per prov&iacute;ncies, Girona &eacute;s la prov&iacute;ncia on un major percentatge de la poblaci&oacute; recorrer&agrave; a l&#39;ajornament de les despeses nadalenques (13,12%), seguida de Barcelona (13,07%), Lleida 12,84% i Tarragona (12,83%).<\/p>\n<p>El <a href=\"http:\/\/www.fefac.cat\/noticia.asp?id=7348\" target=\"_blank\"><strong>Black Friday<\/strong><\/a>, celebrat el divendres 23 de novembre, va marcar l&#39;inici de la temporada de compres nadalenques. Durant aquesta &egrave;poca, els consumidors catalans gastaran una mitjana de 611,9 euros (378,1 milions d&#39;euros en total),&nbsp; una xifra que augmenta un 1,1% respecte als 605,02 euros que es van registrar l&#39;any passat. De la despesa total, el 40,1% es destinar&agrave; a regals (245,37 euros), el 28,79% a menjar (176,14 euros), el 17,47 a oci (106,9 euros) i el 13,64% a viatges (83,49 euros).<\/p>\n<p><strong>Els interessos per ajornar les compres poden disparar-se fins al 24% TIN<\/strong><\/p>\n<p>Les persones que necessitin rec&oacute;rrer a una targeta de cr&egrave;dit (amb vinculaci&oacute; o sense),&nbsp;un pr&eacute;stec o&nbsp; avan&ccedil;ament de n&ograve;mina per pagar terminis, hauran d&#39;abonar al seu banc un inter&egrave;s mitj&agrave; del 10,44% TIN, una xifra que podria arribar a disparar-se fins al 24% si trien el producte de finan&ccedil;ament m&eacute;s popular per a aquest tipus de pagaments: les targetes de cr&egrave;dit.<\/p>\n<p>En termes de cost real, finan&ccedil;ar el pressupost nadalenc (611,9 euros) a tres mesos suposaria abonar una TAE mitjana del 13,15%, la qual cosa es traduiria en unes despeses de 12,6 euros per persona (un total de&nbsp;7.786.763,88 euros en interessos a Catalunya.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>617.997 catalans recorreran a algun producte de finan&ccedil;ament (targetes de cr&egrave;dit, pr&eacute;stecs al consum, avan&ccedil;aments de n&ograve;mina&#8230;) per poder pagar les seves despeses durant el Nadal, una xifra que equival [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[18,11,12,13,14,15],"tags":[52,74,369,692,1766,1916,1917,1918,1919],"class_list":["post-9395","post","type-post","status-publish","format-standard","hentry","category-general","category-fefac","category-afb","category-afet","category-afell","category-agfe","tag-consum","tag-financament","tag-economia","tag-nadal","tag-compres","tag-regals","tag-targetes-de-credit","tag-nomina","tag-blac-friday"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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