{"id":8461,"date":"2020-10-15T15:47:06","date_gmt":"2020-10-15T18:47:06","guid":{"rendered":"https:\/\/warren.com.br\/magazine\/?p=8461"},"modified":"2023-08-02T22:14:45","modified_gmt":"2023-08-03T01:14:45","slug":"o-que-e-juro-real","status":"publish","type":"post","link":"https:\/\/warren.com.br\/magazine\/o-que-e-juro-real\/","title":{"rendered":"O que \u00e9 Juro Real"},"content":{"rendered":"<div id=\"playht-iframe-wrapper\" style=\"max-height: 210px !important;\">\n\t<iframe\n\tscrolling=\"no\"\n\tclass=\"playht-iframe-player\"\n\tid=\"playht-iframe-player\"\n\theight=\"90px\"\n\twidth=\"100%\"\n\tframeborder=\"0\"\n\tstyle=\"max-height: 90px; height: 90px !important;\"\n\tsrc=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/warren.com.br\/magazine\/?p=8461&voice=pt-BR-FranciscaNeural&appId=l7OQ6uC_zK&trans_id=-N0bMxeSzfC7s_BZws5j\"\n\tdata-voice=\"pt-BR-FranciscaNeural\"\n\tarticle-url=\"https:\/\/warren.com.br\/magazine\/?p=8461\"\n\tdata-appId=\"l7OQ6uC_zK\"\n\tallowfullscreen=\"\">\n\t<\/iframe>\n<\/div>\n\n<p>O <strong>juro real<\/strong>, ou taxa de juros real, \u00e9 o <strong>retorno l\u00edquido <\/strong>obtido na transfer\u00eancia de uma determinada quantia de capital ou dinheiro, uma vez que se tenha levado em conta os efeitos e corre\u00e7\u00f5es na infla\u00e7\u00e3o. Em outras palavras, \u00e9 o rendimento do dinheiro na pr\u00e1tica.<br><\/p>\n\n\n\n<p>Assim, \u00e9 preciso considerar que o valor do dinheiro de hoje, n\u00e3o ser\u00e1 igual ao valor do mesmo montante no futuro. \u00c9 poss\u00edvel dizer que aquilo que era consumido h\u00e1 3 anos, por exemplo, atualmente n\u00e3o sair\u00e1 pelo mesmo pre\u00e7o.<br><\/p>\n\n\n\n<p>A taxa de juro real \u00e9 um dado muito importante, pois permite saber quanto ser\u00e1 cobrado da empresa ou neg\u00f3cio pela concess\u00e3o de um empr\u00e9stimo, hipoteca ou cr\u00e9dito. Ele tamb\u00e9m \u00e9 uma informa\u00e7\u00e3o crucial pois indica a rentabilidade que um investimento oferece.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Indice<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f8bf6d1fed5\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f8bf6d1fed5\"  aria-label=\"Alternar\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/warren.com.br\/magazine\/o-que-e-juro-real\/#Como_calcular_o_Juro_Real\" >Como calcular o Juro Real?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_calcular_o_Juro_Real\"><\/span>Como calcular o Juro Real?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Para calcular a taxa do Juro Real, h\u00e1 dois componentes fundamentais:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><a href=\"https:\/\/warren.com.br\/magazine\/inflacao\/\">Infla\u00e7\u00e3o<\/a><\/strong>; e<\/li><li>Taxa de <strong>juros nominais<\/strong>.<\/li><\/ul>\n\n\n\n<p>A infla\u00e7\u00e3o pode ser encontrada utilizando o <strong>\u00cdndice Nacional de Pre\u00e7os ao Consumidor (IPCA)<\/strong>, indicador medido e atualizado mensalmente pelo IBGE e utilizado como refer\u00eancia pelo governo.<br><\/p>\n\n\n\n<p>Os juros nominais podem ser encontrados por meio da <strong><a href=\"https:\/\/warren.com.br\/magazine\/nova-queda-selic-entenda-impactos-renda-fixa\/\">taxa Selic<\/a><\/strong> e da expectativa de <strong>juros futuros<\/strong>.<br><\/p>\n\n\n\n<p>Nesse sentido, a f\u00f3rmula do c\u00e1lculo pode ser entendida como:<br><\/p>\n\n\n\n<pre class=\"wp-block-preformatted\">Juros Reais = (1 + Juros Nominais) \/ (1 + Infla\u00e7\u00e3o) \u2013 1<\/pre>\n\n\n\n<p>Exemplo de c\u00e1lculo:<br><\/p>\n\n\n\n<pre class=\"wp-block-preformatted\">Juros Nominais: 10% = 0,10<\/pre>\n\n\n\n<pre class=\"wp-block-preformatted\">Infla\u00e7\u00e3o: 8% = 0,08<\/pre>\n\n\n\n<p>Para encontrar 0,10 e 0,08, basta dividir o valor da porcentagem por 100. Depois, \u00e9 s\u00f3 substituir na f\u00f3rmula:&nbsp;<br><\/p>\n\n\n\n<pre class=\"wp-block-preformatted\">Juros reais = (1 + 0,10) \/ (1 + 0,08) \u2013 1<\/pre>\n\n\n\n<pre class=\"wp-block-preformatted\">Juros reais = (1,10 \/ 1,08) \u2013 1<\/pre>\n\n\n\n<pre class=\"wp-block-preformatted\">Juros reais = 1,01851 \u2013 1<\/pre>\n\n\n\n<pre class=\"wp-block-preformatted\">Juros reais = 0,01851<\/pre>\n\n\n\n<p>Agora, basta multiplicar 0,01851 por 100 e, assim, \u00e9 poss\u00edvel encontrar a taxa de juros reais.<br><\/p>\n\n\n\n<pre class=\"wp-block-preformatted\">Juros reais = 1,851%<\/pre>\n\n\n\n<p>Qualquer investidor procura fazer investimentos que oportunizem ganhos reais, isto \u00e9, acima da infla\u00e7\u00e3o. Por isso, \u00e9 muito importante descobrir a verdadeira rentabilidade do investimento, o que significa saber qual \u00e9 a taxa de juro real.<br><\/p>\n\n\n\n<p>Com o conhecimento do juro real, \u00e9 poss\u00edvel analisar quais investimentos oferecem uma taxa de juros acima da infla\u00e7\u00e3o.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>O juro real, ou taxa de juros real, \u00e9 o retorno l\u00edquido obtido na transfer\u00eancia de uma determinada quantia de capital ou dinheiro, uma vez que se tenha levado em conta os efeitos e corre\u00e7\u00f5es na infla\u00e7\u00e3o.<\/p>\n","protected":false},"author":8,"featured_media":8462,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1016],"tags":[],"class_list":["post-8461","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-por-dentro-do-mercado","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que \u00e9 Juro Real? 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