With trading, consumers still find discounts on settlement
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Advantages can be obtained in order to purchase, and interest free financing
A test conducted by ZH yesterday found that the discounts for buying in sight are still found in large retail networks operating in Rio Grande do Sul, although some stores resisting negotiations.
Visited six networks, three agreed to give discounts for buying a TV to view liquid crystal display (LCD). Offered two plots without addition, but not the discounts on the purchase order. Included only one interest in all forms of fragmentation - measure welcomed by the Brazilian Institute for Consumer Protection (Idec) in order to give transparency to the operation.
The option of partial more than 10 times without an option to order the discount intrigue and manager of consumer Idec Thadeu Carlos de Oliveira:
- Something the period may not cost the same as the view. Is there something that is not fully transparent.
For Idec, in such cases, the consumer may assume that interest are embedded in the final price. The retail consultant Foganholo Eugenio, director of Mixxer, argues that networks encourage fragmentation because the financial transaction is a major source of revenue for companies.
The chairman of the Federation of Boards of Directors shopkeepers (FCDL-RS), Vitor Augusto Koch, admits that some large companies get funding, but says this is not the situation of the majority who still prefers "to have to sell to cash flow. "
For a TV of $ 1899 in 15 plots, for example, the cash discount could be up to 36% whereas average interest rate of 3% per month, as simulation of the National Association of Executives in Finance (Anefac). But the account is not so simple, warns Andrew Storfer, vice president of Anefac. Some networks simply pass to the consumer good payment terms negotiated with manufacturers and therefore are able to pay interest free financing long.
The test of the discount in sight
SHOP 1
ZH visited six stores in the center of Porto Alegre and compare prices. Because not all networks have the same equipment (same make and specifications), products were investigated:
- Discount on sight? NO
LCD TV 32 inch full HD
> = R Advertised Price $ 2899
> Options = split up 10 times from U.S. $ 323 (total of $ 3,230)
SHOP 2
- Discount on sight? NO
LCD TV 32 inch full HD
> = R Advertised Price $ 1899
> Options = split up to 10 times without interest
SHOP 3
- Discount on sight? NO
LCD TV 42 inch full HD
> = R Advertised Price $ 3349
> Options = split up to four times without interest
SHOP 4
- Discount on sight? YES
LCD TV 32 inch full HD
> = R Advertised Price $ 2399
> Options = split up to 10 times without interest
> List Price = U.S. $ 2214
> = 7.7% Discount
SHOP 5
- Discount on sight? YES
LCD TV 40 inch full HD
> = R Advertised Price $ 3699.99
> Options = split up to 10 times without interest
> List Price = U.S. $ 3200
> = 13.5% discount
SHOP 6
- Discount on sight? YES
LCD TV 32 inch full HD
> = R Advertised Price $ 2199
> Options = split up to 10 times without interest
> List Price = U.S. $ 1999
> = 9% discount
Worth it piecemeal?
NO INTEREST FOR 15 TIMES
Simulation for a 32 inch LCD TV from U.S. $ 1899:
Without discounting the view:
It is worth fragmentary. The value that would be used to pay to the order can go to savings. There will be a gain of 5% of total income in 15 months.
Discount to see:
It is worth fragmented only if the discount is greater than 5% of the price.
NO INTEREST FOR 10 TIMES
Without discounting the view:
It is worth fragmentary. The money can be invested in savings, which will provide 3.5% gain in value in 10 months.
Discount to see:
It is worthwhile only if the partial discount is more than 3.5% of the price.
Source: Anefac
Source: Zero Hour
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This article was translated by an automatic translation system, and was therefore not reviewed by people.
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