{"slug":"juros-credito-pessoas-fisicas","titulo":"Juros do crédito a pessoas físicas","descricao":"Taxa média de juros das novas operações de crédito contratadas no período de referência no Sistema Financeiro Nacional. Taxa ponderada pelo valor das concessões. Inclui operações contratadas no segmento de crédito livre e no segmento de crédito direcionado. Série 20716 do SGS do Banco Central: Taxa média de juros das operações de crédito - Pessoas físicas - Total.","orgao":"Banco Central do Brasil","produtor":"Banco Central do Brasil (Estatísticas monetárias e de crédito)","unidade":"% a.a.","freq":"mensal","fonte":"Banco Central do Brasil (Estatísticas monetárias e de crédito) — SGS, série 20716 (Juros do crédito a pessoas físicas)","id":"bcb-sgs:20716","api":"https://api.bcb.gov.br/dados/serie/bcdata.sgs.20716/dados?formato=json","licenca_nome":"ODbL 1.0 (Portal de Dados Abertos do BCB)","licenca_url":"https://opendatacommons.org/licenses/odbl/1-0/","coletado_em":"2026-10-19","frase":"A taxa média de juros das novas operações de crédito a pessoas físicas foi de 38,18% ao ano em agosto de 2026, segundo o Banco Central do Brasil (SGS, série 20716); um ano antes, em agosto de 2025, era de 36,60% ao ano.","ultimo":{"data":"2026-08-01","valor":38.18},"url":"https://atlasmercados.com.br/indicador/juros-credito-pessoas-fisicas","observacoes":[{"data":"2011-03-01","valor":36.42},{"data":"2011-04-01","valor":37.03},{"data":"2011-05-01","valor":36.89},{"data":"2011-06-01","valor":36.57},{"data":"2011-07-01","valor":36.89},{"data":"2011-08-01","valor":36.12},{"data":"2011-09-01","valor":36.23},{"data":"2011-10-01","valor":36.9},{"data":"2011-11-01","valor":35.79},{"data":"2011-12-01","valor":34.01},{"data":"2012-01-01","valor":34.97},{"data":"2012-02-01","valor":35.3},{"data":"2012-03-01","valor":35.01},{"data":"2012-04-01","valor":34.3},{"data":"2012-05-01","valor":32.34},{"data":"2012-06-01","valor":31.58},{"data":"2012-07-01","valor":30.71},{"data":"2012-08-01","valor":29.84},{"data":"2012-09-01","valor":29.78},{"data":"2012-10-01","valor":29.05},{"data":"2012-11-01","valor":28.47},{"data":"2012-12-01","valor":27.32},{"data":"2013-01-01","valor":27.38},{"data":"2013-02-01","valor":27.96},{"data":"2013-03-01","valor":27.42},{"data":"2013-04-01","valor":27.21},{"data":"2013-05-01","valor":26.93},{"data":"2013-06-01","valor":27.06},{"data":"2013-07-01","valor":27.62},{"data":"2013-08-01","valor":27.73},{"data":"2013-09-01","valor":28.01},{"data":"2013-10-01","valor":28.62},{"data":"2013-11-01","valor":28.71},{"data":"2013-12-01","valor":28.19},{"data":"2014-01-01","valor":29.18},{"data":"2014-02-01","valor":30.14},{"data":"2014-03-01","valor":30.53},{"data":"2014-04-01","valor":30.14},{"data":"2014-05-01","valor":30.34},{"data":"2014-06-01","valor":30.5},{"data":"2014-07-01","valor":30.66},{"data":"2014-08-01","valor":30.67},{"data":"2014-09-01","valor":29.95},{"data":"2014-10-01","valor":30.75},{"data":"2014-11-01","valor":30.87},{"data":"2014-12-01","valor":30.02},{"data":"2015-01-01","valor":31.39},{"data":"2015-02-01","valor":32.23},{"data":"2015-03-01","valor":32.51},{"data":"2015-04-01","valor":33.25},{"data":"2015-05-01","valor":34.19},{"data":"2015-06-01","valor":34.88},{"data":"2015-07-01","valor":35.82},{"data":"2015-08-01","valor":36.37},{"data":"2015-09-01","valor":36.86},{"data":"2015-10-01","valor":37.91},{"data":"2015-11-01","valor":38.26},{"data":"2015-12-01","valor":37.37},{"data":"2016-01-01","valor":38.87},{"data":"2016-02-01","valor":39.47},{"data":"2016-03-01","valor":40.19},{"data":"2016-04-01","valor":41.03},{"data":"2016-05-01","valor":41.4},{"data":"2016-06-01","valor":41.06},{"data":"2016-07-01","valor":41.33},{"data":"2016-08-01","valor":41.43},{"data":"2016-09-01","valor":42.06},{"data":"2016-10-01","valor":42.25},{"data":"2016-11-01","valor":42.29},{"data":"2016-12-01","valor":41.2},{"data":"2017-01-01","valor":41.43},{"data":"2017-02-01","valor":40.73},{"data":"2017-03-01","valor":40.61},{"data":"2017-04-01","valor":37.84},{"data":"2017-05-01","valor":36.0},{"data":"2017-06-01","valor":35.8},{"data":"2017-07-01","valor":36.35},{"data":"2017-08-01","valor":35.53},{"data":"2017-09-01","valor":33.58},{"data":"2017-10-01","valor":33.85},{"data":"2017-11-01","valor":33.19},{"data":"2017-12-01","valor":31.57},{"data":"2018-01-01","valor":31.89},{"data":"2018-02-01","valor":32.79},{"data":"2018-03-01","valor":32.54},{"data":"2018-04-01","valor":32.49},{"data":"2018-05-01","valor":30.91},{"data":"2018-06-01","valor":30.48},{"data":"2018-07-01","valor":30.0},{"data":"2018-08-01","valor":29.86},{"data":"2018-09-01","valor":29.8},{"data":"2018-10-01","valor":29.95},{"data":"2018-11-01","valor":29.99},{"data":"2018-12-01","valor":28.63},{"data":"2019-01-01","valor":29.99},{"data":"2019-02-01","valor":30.62},{"data":"2019-03-01","valor":31.09},{"data":"2019-04-01","valor":31.09},{"data":"2019-05-01","valor":30.94},{"data":"2019-06-01","valor":31.1},{"data":"2019-07-01","valor":30.8},{"data":"2019-08-01","valor":30.93},{"data":"2019-09-01","valor":30.22},{"data":"2019-10-01","valor":29.45},{"data":"2019-11-01","valor":29.71},{"data":"2019-12-01","valor":28.28},{"data":"2020-01-01","valor":28.12},{"data":"2020-02-01","valor":28.71},{"data":"2020-03-01","valor":28.33},{"data":"2020-04-01","valor":26.8},{"data":"2020-05-01","valor":26.12},{"data":"2020-06-01","valor":24.61},{"data":"2020-07-01","valor":24.27},{"data":"2020-08-01","valor":23.53},{"data":"2020-09-01","valor":23.09},{"data":"2020-10-01","valor":23.58},{"data":"2020-11-01","valor":23.14},{"data":"2020-12-01","valor":22.65},{"data":"2021-01-01","valor":23.81},{"data":"2021-02-01","valor":24.17},{"data":"2021-03-01","valor":24.49},{"data":"2021-04-01","valor":24.76},{"data":"2021-05-01","valor":24.12},{"data":"2021-06-01","valor":24.18},{"data":"2021-07-01","valor":24.15},{"data":"2021-08-01","valor":24.68},{"data":"2021-09-01","valor":25.23},{"data":"2021-10-01","valor":26.51},{"data":"2021-11-01","valor":27.41},{"data":"2021-12-01","valor":28.19},{"data":"2022-01-01","valor":29.1},{"data":"2022-02-01","valor":29.66},{"data":"2022-03-01","valor":30.99},{"data":"2022-04-01","valor":31.45},{"data":"2022-05-01","valor":32.03},{"data":"2022-06-01","valor":32.58},{"data":"2022-07-01","valor":33.67},{"data":"2022-08-01","valor":33.97},{"data":"2022-09-01","valor":33.7},{"data":"2022-10-01","valor":35.22},{"data":"2022-11-01","valor":36.09},{"data":"2022-12-01","valor":34.86},{"data":"2023-01-01","valor":35.27},{"data":"2023-02-01","valor":35.59},{"data":"2023-03-01","valor":36.2},{"data":"2023-04-01","valor":37.2},{"data":"2023-05-01","valor":37.28},{"data":"2023-06-01","valor":36.59},{"data":"2023-07-01","valor":36.03},{"data":"2023-08-01","valor":35.37},{"data":"2023-09-01","valor":34.82},{"data":"2023-10-01","valor":34.18},{"data":"2023-11-01","valor":34.0},{"data":"2023-12-01","valor":33.2},{"data":"2024-01-01","valor":32.25},{"data":"2024-02-01","valor":32.34},{"data":"2024-03-01","valor":32.84},{"data":"2024-04-01","valor":32.6},{"data":"2024-05-01","valor":32.53},{"data":"2024-06-01","valor":32.54},{"data":"2024-07-01","valor":32.42},{"data":"2024-08-01","valor":32.12},{"data":"2024-09-01","valor":32.3},{"data":"2024-10-01","valor":32.4},{"data":"2024-11-01","valor":32.94},{"data":"2024-12-01","valor":33.07},{"data":"2025-01-01","valor":34.03},{"data":"2025-02-01","valor":35.33},{"data":"2025-03-01","valor":35.83},{"data":"2025-04-01","valor":36.41},{"data":"2025-05-01","valor":36.63},{"data":"2025-06-01","valor":36.84},{"data":"2025-07-01","valor":36.41},{"data":"2025-08-01","valor":36.6},{"data":"2025-09-01","valor":36.5},{"data":"2025-10-01","valor":36.79},{"data":"2025-11-01","valor":37.89},{"data":"2025-12-01","valor":37.73},{"data":"2026-01-01","valor":38.03},{"data":"2026-02-01","valor":38.34},{"data":"2026-03-01","valor":38.45},{"data":"2026-04-01","valor":38.93},{"data":"2026-05-01","valor":38.56},{"data":"2026-06-01","valor":38.34},{"data":"2026-07-01","valor":37.46},{"data":"2026-08-01","valor":38.18}]}