Os tipos de taxas de juros e sua utilização no mercado

Abstract

One of the difficulties of getting a loan, whether in a short term, as a buying of some electrical apparatus or even the hiring of a service; or in a long term, for example, the buying of a house or an apartment, is the decision of the used rate in this financial operation. If by one side the salesperson is interested in knowing what he or she is effectively earning, the buyer, the person that gets the loan, is particular curious about knowing what this operation is really costing him or her. This would be of an easy comprehension if there were not six different kinds of interest rates used in the market; each one has its definition and its particular utilization determined by the market practice. This work objectives, initially, to define and to give the notions of what it is a proportional rate, an equivalent rate, a nominal rate, an effective rate, a real rate and the apparent rate, and then, in a second moment, to use them in practical examples, where the solutions are built consolidating the concepts and definitions, building validate solutions. Referring to real and apparent rates, particularly, the focus is on the purchase power of the money, considering the inflation occurred in determined period. The most important aspect of this work is determined by the everyday examples presented that, hopefully, may be a representative sample of usual and current problems in the market. The solutions of these problems will always be a rate that has a meaning for the economical agents involved. The biggest emphasis is going to be on the effective rate, once that its knowledge is important to financial decisions.