O que é CET e por que ele pode encarecer seu financiamento

Quem pretende contratar um empréstimo, financiamento ou parcelamento de longo prazo precisa olhar além da taxa de juros anunciada pelos bancos

[{"selector":"#anim-e61da518-f2cd-4eb6-a372-16053e736091","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-82706453-9434-47d0-b4db-683b212ebe28","keyframes":{"transform":["translate3d(0px, 142.07517%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-75ae668f-3fc1-4d29-a634-c6fcde5b1866","keyframes":{"opacity":[0,1]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-17be4e47-3c7f-41ea-837a-0bbd45318100","keyframes":{"transform":["translate3d(0px, 424.21242%, 0)","translate3d(0px, 0px, 0)"]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] foto: unsplash

O Custo Efetivo Total, conhecido como CET, reúne todas as despesas da operação e mostra quanto o consumidor realmente pagará ao fim do contrato.

[{"selector":"#anim-9777ea51-2f2b-4de7-be12-318bb6b1dcf6","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d5cd7450-2687-4e18-bf67-9c34d168b03f","keyframes":{"transform":["translate3d(0px, 175.89872%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0d7c483c-3fcf-45cf-b3cf-9eb53c0ef6b2","keyframes":{"opacity":[0,1]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fc6d1f9e-fab4-4a4d-9fd2-b83eca3c8c97","keyframes":{"transform":["translate3d(0px, 764.50653%, 0)","translate3d(0px, 0px, 0)"]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] foto: unsplash Leia mais

O indicador passou a ganhar mais atenção, justamente por revelar cobranças que muitas vezes ficam escondidas nas propostas de crédito

[{"selector":"#anim-4bd7bc20-6921-48aa-b60b-bc417d5d3a23","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0aaa010b-59a0-42c2-b535-afe0e84cdcea","keyframes":{"transform":["translate3d(0px, 143.54578%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-49584aed-2510-4a58-8cb4-bf0e2699740d","keyframes":{"opacity":[0,1]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d7972270-d3db-4be7-b67c-81ed67fafbde","keyframes":{"transform":["translate3d(0px, 642.28427%, 0)","translate3d(0px, 0px, 0)"]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] foto: unsplash

O indicador reúne juros, tarifas administrativas, seguros obrigatórios, IOF e outras despesas previstas no contrato.

[{"selector":"#anim-3be3556c-b8ee-4557-b3f2-3f38662698bf","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d9adb9f-f5a9-43a5-b959-22712f8ddad6","keyframes":{"transform":["translate3d(0px, 154.33235%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6d4be404-5606-48cd-87b4-db76e19b617a","keyframes":{"opacity":[0,1]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-786fbdf3-0b86-405e-9619-dfd8992cf8b4","keyframes":{"transform":["translate3d(0px, 567.28427%, 0)","translate3d(0px, 0px, 0)"]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] foto: unsplash

Seguros e tarifas bancárias estão entre os principais custos do CET e podem aumentar o valor das parcelas.

[{"selector":"#anim-33deeb0b-5a4b-4920-9ba3-89806ffc5dfb","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8d5b642b-4b52-42e9-afe7-9336d696cbd7","keyframes":{"transform":["translate3d(0px, 154.33235%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-871425e9-29dd-47d9-8cac-cb1628054766","keyframes":{"opacity":[0,1]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bf38d78c-63d6-4950-9706-997afbdec231","keyframes":{"transform":["translate3d(0px, 567.28427%, 0)","translate3d(0px, 0px, 0)"]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] foto: unsplash

O Imposto sobre Operações Financeiras, o IOF, também entra no cálculo e contribui para aumentar o custo total do empréstimo.

[{"selector":"#anim-4d0f1d2e-dc52-4acb-a842-5043e0c2b42e","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-72f8d57b-5091-424b-bf33-6e51356472a7","keyframes":{"transform":["translate3d(0px, 142.07517%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b071db1d-4652-4075-afc3-55dff6255ef6","keyframes":{"opacity":[0,1]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-48683b1e-27f7-48ad-bfac-fd1f4370200b","keyframes":{"transform":["translate3d(0px, 636.72879%, 0)","translate3d(0px, 0px, 0)"]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] foto: unsplash

A taxa de juros representa apenas o valor cobrado pelo dinheiro emprestado. Já o CET funciona como um retrato completo da operação financeira.

[{"selector":"#anim-6ee9e582-6c23-4ea9-813f-29c4b588e6dc","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7d48017e-ca3c-4ead-a860-db1fa48d80bd","keyframes":{"transform":["translate3d(0px, 142.07517%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-166dd71c-987e-4894-b61b-3728e2bf0046","keyframes":{"opacity":[0,1]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fbf5e6f8-4d43-428b-9911-e6854fafe8fe","keyframes":{"transform":["translate3d(0px, 636.72879%, 0)","translate3d(0px, 0px, 0)"]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] foto: pexels

Ao saber exatamente quanto pagará, o consumidor consegue avaliar se as parcelas cabem na renda mensal sem comprometer outras despesas.

[{"selector":"#anim-27225f4f-d43d-4592-9650-b4e3e7618627","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d6756d4-3f26-49a7-a558-05be776e9e7a","keyframes":{"transform":["translate3d(0px, 143.54578%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6ea58dda-856b-492e-b91a-5da7becafc9e","keyframes":{"opacity":[0,1]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c60a7b6b-04f1-4f40-949a-0f06e1e2ab1f","keyframes":{"transform":["translate3d(0px, 642.28427%, 0)","translate3d(0px, 0px, 0)"]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] foto: pexels

A recomendação é ler atentamente as condições do financiamento e pedir simulações em diferentes bancos antes de fechar negócio.

[{"selector":"#anim-96236b7d-f501-4115-a6b4-2c4637dbdedb","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8fcd2c4f-1e2a-4026-b05e-0304fd9371e0","keyframes":{"transform":["translate3d(0px, 193.78184%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-808eb6c7-3ad5-4850-840d-7f3651b861d9","keyframes":{"opacity":[0,1]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7deafef2-1003-4e97-84d6-b43b51d17b49","keyframes":{"transform":["translate3d(0px, 670.87034%, 0)","translate3d(0px, 0px, 0)"]},"delay":2,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] foto: pexels Leia mais

Veja este e outros webstories em: TIMESBRASIL.COM.BR

[{"selector":"#anim-e1ed07fe-6394-45e3-9927-8a9e5dc1457c","keyframes":{"opacity":[0,1]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b17d936f-1dca-40da-8057-114ca4c51380","keyframes":{"transform":["translate3d(0px, 269.93967%, 0)","translate3d(0px, 0px, 0)"]},"delay":3,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Leia mais