Clipping of news on Brazilian Culture, Law and Citizenship
This article was translated by an automatic translation system, and was therefore not reviewed by people.
With more difficult market, consumers have bargaining power.
Council of experts is to defer paying the purchase order.
The economic mood in the beginning of 2009 is bleaker: recession in developed economies, falling sales of cars and expectation of layoffs.
See the next video of the collapse of consumer confidence Brazilian
As the scenario suggests a drastic reduction of growth - according to the Central Bank, the Brazilian growth will fall from 5.6% in 2008 to 3.2% -, experts say it is time to revise the consumer priorities, making a " technical stop "to take good opportunities that may arise in the crisis.
The trend is the use of Brazilian migration of the "buzzer" to style "ant". According to the expert in finance Crivelaro Mark, professor of the Faculty of Information Technology and Management Paulista (Garnetted stock) is a good opportunity to review the consumer concepts.
"As the resources are more scarce, it is necessary to store. I think that 2009 will be a year less glamuroso, where people do not go out shopping in the malls, "he emphasizes.
The consultant in personal finance Alexandre Lignes says the economic mantra of many Brazilians - "if I do not I have no debts in life" - is what sinks the financial lives of many people.
"Let us (the consumer) to be objective, know what you want and add the money. It is much faster and avoids a headache, "he says, recalling that, not to debts, the first step is to evaluate the real need to buy a good or service.
Great Deals
For those who have money in hand, there are good opportunities in the crisis. With the government making efforts to secure some heating in the domestic market - there was a reduction of Income Tax, which will ensure a "niece" in salary, and also the exemption of Tax on Industrialized Products (IPI) for popular cars - products which were being sold above the table in times of expansion will be cheaper as the "belt tightening".
Lignes second in
Therefore, whatever the goal set for 2009 - buy plasma TV, change the car, realize the dream of home or travel first to the outside - the advice of experts is to hold the boost consumption and save the much money as possible to make a better business.
Wait to buy more goods worth especially for "superfluous", as home appliances, according to the consultant. He says that if the goal of the person is buying a plasma TV, for example, is recommended, according to the consultant, wait seven or eight months to collect the money and pay to view.
"Just add the money and then use the same, paying less," says Lignes.
For anyone who intends to travel abroad in 2009 - another consumption can also be postponed, the need Compliance - the recommendation is that the economy is in U.S. dollars.
So Lignes Crivelaro and recommend that the exchange of money to be made gradually, so that the consumer dilute the change in exchange rates over the months. "If you pay a bad price in a month, will offset the other," says the professor of Garnetted stock.
New car
The car industry felt the blow of the crisis in November, when sales fell more than 23% compared to 2007, according to the National Federation of Distribution of Motor Vehicles (Fenabrave).
Watch the video side of cars on feirões zero km
The automakers around the world are in crisis - GM received the help of American government and Japanese Toyota announced its first loss in 70 years. Therefore, the order is to sell.
Lignes For Alexandre, the consumer is who wins in this situation. Many models of cars, on account of strong demand in 2008, went out with goodwill of the concessionaires. Now the movement is the opposite - and who has the money to have good discounts.
"It is the law of supply and demand. Today, people are afraid to buy with. So now is the consumer who is boss. As the crisis squeeze, vai mandar further, "he says.
Mark Crivelaro says the market for seminovos can gain strength, because the consumer is afraid to take on financing long.
"In time of change of car, the Brazilian is happy to change to a vehicle two or three years younger. More daring only to public official or who is not sure will lose their jobs in the crisis, "says the teacher.
Real Estate
The real estate sector has experienced a real boom in 2008 - until November, the release of real estate credit by Caixa Econômica Federal has grown 60% against the previous year - but the expectation of the segment is a deceleration of the pace in the new year.
See the video on the side of property market in Brazil
As it is difficult to add money to buy a house in sight, experts say that caution is the keyword "this market.
For the teacher of Garnetted stock, people have to stop thinking of home as a "mausoleum." According to him, like any product, the property may be resold later.
"Can you start with a smaller property. What is important is that the plot does not weigh too much in the budget, which is slightly higher than the maximum rent that the person paid, "he explains.
Who has some money saved, according to specialists, can take advantage in negotiating. As the sector should be strongly affected by the crisis because it depends on long-term financing to survive, says Crivelaro believe that a new wave of interest reduction can occur throughout the year.
"As interest rates influence the amount to be paid at a rate less influence on the monthly installment," explains the expert.
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This article was translated by an automatic translation system, and was therefore not reviewed by people.