Análise das taxas de juros referente ao financiamento de veículos praticado na região metropolitana de Cuiabá

Abstract

This paper aims to verify if, when financing a car, the reported interest rates, are in line with the effective interest rates. As sample, 26, 27 and 21 concessionaires were selected in the years 2015, 2016 and 2017, respectively, all located in the metropolitan region of Cuiabá. The collected samples were tabulated and submitted to some statistical tests, in order to identify the percentage level of variation between the reported interest rates (TMI), the effective interest rates (CET) and the interest rate obtained through the Bank Central. The level of variation between the TMI and CET was significant, varying in average 38.72%, 40.75% and 47.8 in relation to the years 2015, 2016 and 2017, respectively. Person Correlation was used to determine if there was any correlation between TMI and CET, a moderate correlation was found between 64.3% and 68.7% for the years 2015 and 2016, respectively. Finally, a regression analysis was performed between TMI and CET, in order to obtain a linear function, which establishes a dependence relation between CET in relation to TMI, highlighting the fact that in the years 2015, 2016 and 2017 there was an oscillation between the TMI and CET.