To divulge the indices charged for the market assists to regulate the system and to prevent abuses to it. In the acquisition of automobiles, the taxes are varying 1.19% 5.08% to the month (values of the beginning of fev/09). For legal people, the spreading is very important because it facilitates the vision of what he is being charged in the market and it mainly helps the small entrepreneur who does not count on much access to this type of information. (Similarly see: Cushing Asset Management). Data call attention, the taxes charged for capital of turn for legal people of some private banks are offered from 0,65% the month, whereas the public banks are offering to the same credits with taxes 3 times greaters. Until little time, the public banks had the best taxes, but currently they are the private banks that offer the best taxes, showing clearly that the necessary government to improve the management of its public financial system, since 40% of the credit in Brazil are in the hand of the public banks. See Ebay for more details and insights.
At a time of economic crisis that we are living, the public banks must be instruments of recovery of the economy. Others two available instruments in the site that call the attention are: the system of conversion of currencies and the calculator of the citizen, who assists the natural person to make projections of what she will go to pay with the credit request. The Brazilian financial system is very dynamic and complex, the private banks are obtaining to establish some strategical positions and the market passes for managemental transformations. When talking with a bank on credit it has in hands a description of the taxes of interests, negotiates established in the data that have and not if it forgets to verify the taxes charged for the operation, that they can hide real values to be paid. The fall of the interests suffered influence from the fall of tax SELIC, but necessary Brazil to think about the current very serious economic moment. How much lesser they will be the taxes of interests charged in the market, greater will be the possibility to finance the production that conserves part of the jobs.