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Interest

With uncertainty in interest, postpone purchases

This article was translated by an automatic translation system, and was therefore not reviewed by people.


 


Rates for the consumer remain high, despite reductions in the Selic. So the buying decision should be fine.

Who is thinking of buying a car, an electronic or other product and high prices is facing an impasse. Enjoy the advantages offered in the trade - which include discounts and in some cases, such as cars, appliances and construction material of the white, also the reduction of taxes - and makes a funding or to leave later? The interest for the consumer, who now are up, they will fall?
Personal finance advisers and economists agree on one thing: it is likely that the interest paid by individuals to fall back in coming months. In this view, the best alternative would be even expected - unless, of course, that the consumer is facing a great opportunity, for those who will regret if not enjoy. So the best would be to purchase for later.

"There are few purchases that we can not postpone," says Professor Jackson Peters, the Station Business School. Even a couple that is planning your wedding and can furnish the house, illustrates, you can choose to do it in stages - first is the kitchen, the room and then leaves the room for you in a while. Meanwhile, it is waiting for better conditions.

The interest for the consumer are high because the default is high. Part of the fee that is paid by the customer is the "spread" - an English expression that identifies the difference between the cost of borrowing money by the banks (usually near the base rate) and the amounts paid by the consumer. Costs are included in the spread as the collection of debtors and a reserve for those values that are never paid.

This situation should change as the economy back to stability, with unemployment falling and activity increase. "The time is now to expect", prescribes the teacher Bazzo Samir, who teaches Financial Management in the University Center FAE. "It takes something like six months to a few things back to balance." If consumers can wait until there is likely to find better conditions for a split purchase.

The only risk of waiting is no longer enjoy the good side of the crisis. "When the merchant or industry are stocked with products, the trend is to offer these benefits to the buyer to maintain its level of activity," says the consultant Friedbert Kroeger, specializing in personal finance. These benefits are discounts or special conditions of fragmentation. "It is very likely that these discounts are not available when the sales are standardized," he says.

Experts, however, suggest that these opportunities should be viewed with caution. This applies especially for products with benefits for a limited time, such as cars and appliances that have a reduction in rates of Tax on Industrialized Products (IPI). "If a person really change the car was planning this year, it may be worth the advance purchase and use the IPI low," says Peters, the Station. Especially if a used car into the negotiation. "The price of used is derived from the new car. Therefore, it will be sold at a cheaper price as long as the reduction of the IPI, "says Peters.

Tips
Some suggestions of specialists to deal with the temptation to make purchases financed.

1.Poupar is always better. In practice, take money lent - and that is what we do when a purchase installments - will always cost you. "Save money to pay the spot is more advantageous in any situation," says Jackson Peters, professor of Business School Station.

2.Pesquise. The financial crisis has caused some grounding products, and for trade and industry they are giving good discounts. "Some products, like luxury cars, are now with prices lower than a year ago. In some cases, even the embedded cost of financing the final price ends up being rewarding, "says consultant in financial planning Friedbert Kroeger.

3.Espere. If the conditions for the purchase are not favorable, try to postpone the purchase. "Interest rates must fall to the consumer, then the consumer will have a greater purchasing power," argues Samir Bazzo, professor of SAF University.



Source: Gazeta do Povo

This article was translated by an automatic translation system, and was therefore not reviewed by people.

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