Financiamento pode sair mais caro do que parece; entenda o custo real antes de contratar

Na contratação de um financiamento ou empréstimo, muitos consumidores focam apenas na parcela ou na taxa de juros, mas o custo da operação pode ser maior.

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Isso acontece porque, além dos juros, existem tarifas, seguros, impostos e outros encargos que elevam o valor final pago ao longo do contrato.

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O indicador que reúne todas essas despesas é o CET, sigla para Custo Efetivo Total.

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Exigido pelo Banco Central em operações de crédito, o CET mostra quanto o consumidor vai desembolsar até o fim do financiamento.

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O Custo Efetivo Total (CET) considera diferentes despesas cobradas pelas instituições financeiras durante a contratação do crédito.

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Entre elas estão a taxa de juros, tarifas administrativas, seguros obrigatórios, IOF e outros custos relacionados ao contrato.

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Outro ponto que costuma gerar confusão é o valor da prestação mensal. Em muitos casos, parcelas mais baixas acabam escondendo um custo total muito maior.

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Além do valor da parcela, o consumidor deve observar o total pago ao final do financiamento e o CET informado pela instituição.

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Se o consumidor perceber que o contrato não informa o CET ou cobranças que não autorizou, a orientação é pedir esclarecimentos formais à instituição financeira.

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