The real estate sector is highly complex when it comes to debt collection. This is due to the increase in the average ticket – the indicator that measures the company's sales performance – and the number of lawsuits filed against construction companies. But what is the reason behind this increase? It's simple: the real estate market is directly linked to the economy, and if the economy faces a crisis, the entire market is affected.
With the increase in unemployment rates and the reduction in france email id database concessions, there is a sharp increase in real estate defaults. On the other hand, a good portion of the population has managed to remain compliant even during the crisis. Do you know what compliant payment is and how it can help you understand and correct defaults? Come with me and I'll explain.
Summary
Compliant Customer vs. Defaulting Customer
How can a customer become delinquent?
How to Negotiate Default?
What is compliance?
Compliance Bonus
Declaration of Compliance
Do you already know CV CRM?
compliance: image of a table seen from above with some papers with graphs, the pig safe and a calculator.
Compliant Customer vs. Defaulting Customer
First, I will explain the difference between a compliant customer and a defaulting customer, and later on, I will outline how understanding compliance will help you understand how it can be decisive in resolving cases of default.
The terms “compliant” and “delinquent” are used primarily to talk about the finances of a given business . Understanding the definition of “compliant” and “delinquent” customers is essential to meeting not only the specific needs of each customer, but also the movement of capital within a company.
A compliant customer is an individual who is up to date with their financial obligations , has no delays or defaults on payments. This person complies with the company's clauses and does not generate losses, in addition to receiving a compliant bonus with proof of discipline in their contribution.
For assessment purposes, a defaulting customer is one who is behind on their financial obligations, failing to meet the payment deadlines previously agreed upon in a contract. In these cases, the impact on the customer's financial life imposes penalties such as: a 2% fine and interest of up to 1% per month. In addition, the default of this customer may lead to fluctuations in the company's cash flow .
How can a customer become delinquent?
The real estate market was also hit by the pandemic. According to the National Confederation of Commerce , in February 2022, default reached 27% of Brazilian homes, and those who declared that they were unable to pay their debts and remained in default reached 10.5%.
This economic crisis has caused many Brazilians to choose to pay a restricted number of bills, and thus, they have entered the list of defaulters with debts accumulated in post-dated checks, credit cards , special checks, store credit cards, payroll loans, personal loans , car and house payments .