{"id":7577,"date":"2016-08-12T11:28:46","date_gmt":"2016-08-12T14:28:46","guid":{"rendered":"https:\/\/www.simplic.com.br\/blog\/?p=7577"},"modified":"2016-12-19T14:22:05","modified_gmt":"2016-12-19T17:22:05","slug":"sem-juros-jura","status":"publish","type":"post","link":"https:\/\/www.simplic.com.br\/blog\/sem-juros-jura\/","title":{"rendered":"Sem juros? Jura?"},"content":{"rendered":"<div>N\u00e3o \u00e9 coincid\u00eancia que, nas promo\u00e7\u00f5es anunciadas na vitrine de diversas lojas, o pre\u00e7o de um produto raramente \u00e9 descrito com seu \u201cvalor cheio\u201d. \u00c9 muito mais comum encontrar um cartaz dizendo \u201c10x sem juros de 40 reais\u201d do que um em que esteja escrito simplesmente \u201c400 reais\u201d. Voc\u00ea j\u00e1 parou para pensar o por qu\u00ea disso?<\/div>\n<div><\/div>\n<div>Primeiro, porque na nossa cabe\u00e7a o que fica inicialmente \u00e9 o \u201c40 reais\u201d, nunca o \u201c10x\u201d, pode reparar.<\/div>\n<div><\/div>\n<div>Ent\u00e3o j\u00e1 fica a sensa\u00e7\u00e3o de que o produto \u00e9 mais barato do que realmente \u00e9.<\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div>Num segundo momento, quando j\u00e1 estamos mesmo considerando adquirir aquele produto e fazendo as contas do impacto que aquelas parcelas ter\u00e3o no or\u00e7amento dos meses seguintes, pensamos: \u201cAh, mas s\u00e3o s\u00f3 40 reais, n\u00e3o vai fazer diferen\u00e7a na conta do cart\u00e3o\u201d. S\u00f3 que muitas vezes esquecemos das outras compras que fizemos tendo o mesmo pensamento, e essa falta de controle com o cart\u00e3o de cr\u00e9dito pode ser fatal para nossas finan\u00e7as.<\/div>\n<div><\/div>\n<div><\/div>\n<div>A cartada final que muitas vezes determina nossa derrota no jogo do \u201cCompro ou N\u00e3o Compro?\u201d \u00e9 nos fazer pensar que levaremos alguma vantagem no neg\u00f3cio. Afinal, se \u00e9 em 10 vezes sem juros, por que vamos pagar 400 s\u00f3 esse m\u00eas se podemos ir \u201cdiluindo\u201d de 40 em 40 sem termos que pagar nenhum centavo a mais do \u201cpre\u00e7o cheio\u201d? Acontece que, na verdade, j\u00e1 estamos pagando a mais \u2013 e n\u00e3o s\u00f3 alguns centavos.<\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div>As empresas de cart\u00f5es de cr\u00e9dito cobram porcentagens das vendas das lojas &#8211; geralmente de 3% a 6% em compras parceladas &#8211; o que faz com que o com\u00e9rcio lucre menos quando escolhemos essa forma de pagamento. Para que n\u00e3o percam dinheiro, o valor do produto \u00e9 ent\u00e3o aumentado, formando os juros embutidos, que s\u00e3o chamados assim porque est\u00e3o misturados ao pre\u00e7o de venda, de maneira que n\u00e3o conseguimos enxerg\u00e1-los. Por essa raz\u00e3o, muitas lojas oferecem \u201cdesconto\u201d para pagamento \u00e0 vista.<\/div>\n<div><\/div>\n<div>Mas de desconto n\u00e3o tem nada: no final, \u00e9 apenas o valor real do produto, sem os juros embutidos do parcelamento.<\/div>\n<div><\/div>\n<div><\/div>\n<div>Agora voc\u00ea nunca mais olhar\u00e1 para o cartaz da promo\u00e7\u00e3o com os mesmos olhos, n\u00e3o \u00e9 mesmo?<\/div>\n","protected":false},"excerpt":{"rendered":"<p>N\u00e3o \u00e9 coincid\u00eancia que, nas promo\u00e7\u00f5es anunciadas na vitrine de diversas lojas, o pre\u00e7o de um produto raramente \u00e9 descrito com seu \u201cvalor cheio\u201d. \u00c9 muito mais comum encontrar um [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":7910,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-7577","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dicas-emprestimo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sem juros? 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