{"id":1771,"date":"2021-04-12T09:00:00","date_gmt":"2021-04-12T12:00:00","guid":{"rendered":"https:\/\/naoseiinvestir.com\/?p=1771"},"modified":"2021-04-21T13:29:31","modified_gmt":"2021-04-21T16:29:31","slug":"o-que-e-custo-efetivo-total","status":"publish","type":"post","link":"https:\/\/naoseiinvestir.com\/index.php\/2021\/04\/12\/o-que-e-custo-efetivo-total\/","title":{"rendered":"O que \u00e9 custo efetivo total?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/04\/custo-efetivo-total-cet-nao-sei-investir-1024x576.jpg\" alt=\"Custo efetivo total\" class=\"wp-image-1772\" srcset=\"https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/04\/custo-efetivo-total-cet-nao-sei-investir-1024x576.jpg 1024w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/04\/custo-efetivo-total-cet-nao-sei-investir-300x169.jpg 300w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/04\/custo-efetivo-total-cet-nao-sei-investir-768x432.jpg 768w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/04\/custo-efetivo-total-cet-nao-sei-investir-1536x864.jpg 1536w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/04\/custo-efetivo-total-cet-nao-sei-investir-2048x1152.jpg 2048w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/04\/custo-efetivo-total-cet-nao-sei-investir-1110x624.jpg 1110w, https:\/\/naoseiinvestir.com\/wp-content\/uploads\/2021\/04\/custo-efetivo-total-cet-nao-sei-investir-528x297.jpg 528w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>J\u00e1 ouviu falar de custo efetivo total? Talvez voc\u00ea at\u00e9 tenha passado pelo termo, mas n\u00e3o tenha registrado ele. Este custo \u00e9 important\u00edssimo quando falamos de d\u00edvidas e neste artigo vamos conversar um pouco sobre ele.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Custo efetivo total &#8211; CET<\/h2>\n\n\n\n<p>Custo efetivo total ou CET \u00e9 o termo utilizado para demonstrar quanto uma d\u00edvida custa, na pr\u00e1tica. Muitas vezes, ao fazer um empr\u00e9stimo, prestamos aten\u00e7\u00e3o \u00e0 taxa de juros da opera\u00e7\u00e3o, mas frequentemente esquecemos de dar uma olhada no CET.<\/p>\n\n\n\n<p>Sugest\u00e3o de leitura: <a href=\"https:\/\/naoseiinvestir.com\/index.php\/2020\/10\/29\/dividas-nao-faca-isso\/\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00edvidas: n\u00e3o fa\u00e7a isso<\/a><\/p>\n\n\n\n<p>O CET \u00e9 que vai trazer o custo real da opera\u00e7\u00e3o, quanto efetivamente voc\u00ea vai pagar <strong>a mais <\/strong>pela dinheiro que voc\u00ea pegou emprestado. Vamos utilizar um exemplo real para facilitar a compreens\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cheque especial<\/h2>\n\n\n\n<p>O exemplo a seguir foi retirado da p\u00e1gina do internet banking de um grande banco. Discriminados abaixo est\u00e3o os custos de utilizar o cheque especial, que \u00e9 o limite da conta corrente, aquele que utilizamos quando nossa conta fica negativa. <\/p>\n\n\n\n<p>Afinal, quem nunca ficou com a conta negativa?<\/p>\n\n\n\n<p>Vamos ao exemplo:<\/p>\n\n\n\n<p>CHEQUE ESPECIAL<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Taxa de juros ao m\u00eas: 8,00 %<\/li><li>IOF al\u00edquota b\u00e1sica: 0,0082%<\/li><li>IOF al\u00edquota adicional: 0,38%<\/li><li>Custo efetivo total ao m\u00eas: 8,63%<\/li><li>Custo efetivo total &#8211; CET ao ano: 169,90%<\/li><\/ul>\n\n\n\n<p>Se olhamos apenas para a taxa de juros ao m\u00eas, que j\u00e1 \u00e9 bem alta, conclu\u00edmos que, se usarmos o cheque especial, pagaremos 8% ao m\u00eas ao banco a t\u00edtulo de juros. Entretanto, olhando para as linhas seguintes, vemos que h\u00e1 outras cobran\u00e7as, como o IOF. Assim, o custo verdadeiro \u00e9 de 8,63% ao m\u00eas!<\/p>\n\n\n\n<p>8,63% \u00e9 o custo total, \u00e9 aquilo que voc\u00ea efetivamente paga ao banco pelo dinheiro utilizado. Na \u00faltima linha, o custo efetivo total &#8211; CET ao ano demonstra o custo da opera\u00e7\u00e3o se voc\u00ea utilizar o cheque especial por um ano. Vamos colocar em valores para ver a gravidade da situa\u00e7\u00e3o.<\/p>\n\n\n\n<p>Se voc\u00ea utilizar 100 reais do cheque especial por um ano, a sua d\u00edvida para com o banco ser\u00e1 de R$ 269,90! Assim, os 100 reais iniciais se transformaram em um monstro quase tr\u00eas vezes maior. Voc\u00ea utilizou 100 reais, mas precisar\u00e1 pagar 169,90 adicionais ao banco por essa opera\u00e7\u00e3o.<\/p>\n\n\n\n<p>Assim, toda vez que voc\u00ea olhar para uma opera\u00e7\u00e3o de cr\u00e9dito, n\u00e3o olhe apenas para a taxa de juros, pois o que realmente conta \u00e9 o CET, que embute todos os custos da opera\u00e7\u00e3o.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>J\u00e1 ouviu falar de custo efetivo total? Talvez voc\u00ea at\u00e9 tenha passado pelo termo, mas n\u00e3o tenha registrado ele. Este custo \u00e9 important\u00edssimo quando falamos de d\u00edvidas e neste artigo vamos conversar um pouco sobre ele. Custo efetivo total &#8211; CET Custo efetivo total ou CET \u00e9 o termo utilizado para demonstrar quanto uma d\u00edvida [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1772,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[38],"tags":[23,80,81],"class_list":{"0":"post-1771","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-conceitos-basicos","8":"tag-dividas","9":"tag-emprestimo","10":"tag-financiamento","11":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que \u00e9 custo efetivo total? - N\u00e3o $ei Investir<\/title>\n<meta name=\"description\" content=\"Custo efetivo total ou CET. 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