Custo efetivo total: simulações de financiamento habitacional e veicular

Abstract

This work aims to analyze the total effective cost of housing and vehicle financing of five financial institutions in the Capital of Mato Grosso do Sul, Campo Grande-MS. For this, a Descriptive and Documentary Research was carried out, in which the objective of the analysis was the data sought in the banks Caixa Econômica Federal, Banco do Brasil, Itaú Unibanco and Santander and applied to the methods and techniques of traditional measurements, being them, net present value, internal rate of return with the minimum attractiveness rate equivalent to the Selic rate of October 2022. The results showed that in most banks the total effective cost provided by financial institutions is similar to that found in the survey, and the best option among entities was Caixa Econômica Federal in both modalities, presenting a total effective cost of 9.37% in housing financing. The. and in vehicle financing, a total effective cost of 17.16% a. The.