Análise comparativa da taxa de juros aplicada e informada no financiamento de motocicletas pelas concessionárias

Abstract

This study aims to conduct a comparative analysis between the interest rates disclosed by motorcycle dealership sales representatives in Cuiabá and the actual rates applied in financing contracts, based on the hypothesis that there are significant discrepancies between them. The relevance of this research lies in the substantial growth of the motorcycle market in Brazil and the central role of financing as the primary method of acquiring these vehicles, particularly among consumers with limited financial literacy. Using a quantitative and exploratory approach, in-person visits were conducted at dealerships representing the brands Honda, Yamaha, Kawasaki, and BMW, where data on financing plans, values, terms, and advertised interest rates were collected. The effective rates were then calculated using the Central Bank of Brazil’s “Citizen Calculator,” allowing for a comparison with the rates initially presented. The results confirmed the hypothesis: in every scenario, the effective interest rate exceeded the rate disclosed by the sellers, with monthly variations reaching over 1.4%, significantly increasing the total cost of financing. The research also pointed to a possible recurring practice of omission or inaccuracy, whether due to the sellers’ technical unfamiliarity or a lack of standardized disclosure of total costs. It is therefore concluded that transparency in the financing process must be improved, and it is essential that consumers have clear and detailed access to the actual terms of the credit being contracted, in order to avoid harmful financial decisions and foster a more ethical and balanced credit market.