{"id":16035,"date":"2023-02-17T11:23:10","date_gmt":"2023-02-17T16:23:10","guid":{"rendered":"https:\/\/suplos.com\/?p=3075"},"modified":"2025-07-06T12:47:05","modified_gmt":"2025-07-06T17:47:05","slug":"dividas-de-inflacao","status":"publish","type":"post","link":"https:\/\/suplos.com\/pt\/solucoes-financeiras\/dividas-de-inflacao\/","title":{"rendered":"Tomar empr\u00e9stimos em tempos de infla\u00e7\u00e3o: \u00e9 uma op\u00e7\u00e3o vi\u00e1vel?"},"content":{"rendered":"
Apesar de nos \u00faltimos meses ter havido um not\u00f3rio aumento na taxa de varia\u00e7\u00e3o anual do IPC (infla\u00e7\u00e3o) na Col\u00f4mbia, que significa o aumento generalizado e sustentado dos pre\u00e7os de bens e servi\u00e7os representativos do consumo das fam\u00edlias em um pa\u00eds, o Banco de la Rep\u00fablica, como entidade aut\u00f4noma, tem a capacidade de gerar pol\u00edticas para controlar a infla\u00e7\u00e3o que est\u00e1 ocorrendo, uma das quais \u00e9 aumentar a taxa de juros. <\/p>\n\n\n\n
Neste artigo, discutiremos a infla\u00e7\u00e3o, as taxas de juros e a viabilidade da aquisi\u00e7\u00e3o de cr\u00e9dito no momento atual.<\/p>\n\n\n\n
Um guia para entender a infla\u00e7\u00e3o em tempos de endividamento<\/h2>\n\n\n\n
J\u00e1 temos uma defini\u00e7\u00e3o de infla\u00e7\u00e3o, mas, para entender essa defini\u00e7\u00e3o, vamos dar um exemplo: Vamos supor que, em 2020, com $2.000, poder\u00edamos comprar 10 p\u00e3es e, em 2022, com $2.000, poder\u00edamos comprar apenas 4 p\u00e3es.<\/strong>. Isso significa que, com os mesmos $2.000, \u00e9 poss\u00edvel comprar menos p\u00e3es do que nos anos anteriores, ou seja, a infla\u00e7\u00e3o reduziu o valor da moeda ao longo do tempo.<\/p>\n\n\n\n
O Banco de la Rep\u00fablica, como banco central, \u00e9 uma institui\u00e7\u00e3o aut\u00f4noma, o que significa que ele tem a capacidade de tomar decis\u00f5es livremente sem estar sujeito a outros \u00f3rg\u00e3os estatais. As fun\u00e7\u00f5es do banco s\u00e3o emitir e administrar a moeda legal, bem como controlar o sistema monet\u00e1rio, de cr\u00e9dito e de taxas de c\u00e2mbio do pa\u00eds. O Conselho de Administra\u00e7\u00e3o estabelece uma meta de infla\u00e7\u00e3o, que se refere \u00e0 infla\u00e7\u00e3o dos pre\u00e7os ao consumidor. Essa meta \u00e9 definida com dados do Departamento Administrativo Nacional de Estat\u00edstica (DANE), onde \u00e9 medida a varia\u00e7\u00e3o do \u00edndice de pre\u00e7os ao consumidor (CPI).<\/p>\n\n\n
\n<\/figure><\/div>\n\n
Como reduzir a infla\u00e7\u00e3o?<\/h2>
Para reduzir a infla\u00e7\u00e3o que est\u00e1 ocorrendo e com a fun\u00e7\u00e3o que o Banco de la Rep\u00fablica tem no sistema de cr\u00e9dito, decidiu-se usar pol\u00edticas monet\u00e1rias para aumentar a taxa de juros, gerando assim que os bancos comerciais (entidades nas quais normalmente temos contas banc\u00e1rias) possam aumentar a taxa de juros sobre os cr\u00e9ditos solicitados por seus clientes.\n\n
\n<\/figure><\/div>\n\n\n
Os efeitos que o Banco de la Rep\u00fablica espera com o aumento da taxa de juros \u00e9 estimular a poupan\u00e7a e desestimular o cr\u00e9dito, bem como diminuir a demanda por produtos, causando, por sua vez, uma diminui\u00e7\u00e3o da infla\u00e7\u00e3o, pois quanto menor a demanda, menores os pre\u00e7os. \u00c9 claro que esses efeitos n\u00e3o ocorrem imediatamente, mas se refletem ao longo do tempo.<\/p>\n\n\n\n
Pelos motivos acima, Deve-se ter cautela ao adquirir cr\u00e9dito nesse momento, apesar das altas taxas de juros que podem ser cobradas.<\/strong>. No entanto, ainda h\u00e1 uma boa oportunidade de economizar e investir o dinheiro que o senhor tem \u00e0 sua disposi\u00e7\u00e3o. Um deles \u00e9 o CDT<\/strong>A taxa de juros aumenta os retornos a serem recebidos. Entretanto, ao poupar e investir, \u00e9 preciso ter cuidado para n\u00e3o gerar efeitos colaterais na economia.<\/p>","protected":false},"excerpt":{"rendered":"
Pese a que en los \u00faltimos meses se ha presentado un incremento notorio en la tasa de variaci\u00f3n anual del IPC (inflaci\u00f3n) en Colombia, la cual significa el aumento generalizado y sostenido de los precios de los bienes y servicios representativos del consumo de los hogares de un pa\u00eds, el Banco de la Rep\u00fablica como […]<\/p>","protected":false},"author":15,"featured_media":16893,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[33],"tags":[],"class_list":["post-16035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-soluciones-financieras"],"acf":[],"yoast_head":"\n
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