A Minha amiga Baiana
Autor: Bruno Vasconcelos | Publicado: 2012-04-24T20:33:00-07:00

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A Taxa SELIC serve como referência para os juros bancários,
ou seja, se a SELIC é elevada o juros bancários seguem a mesma tendência, se a
Taxa SELIC cai os juros bancários também caem. Mas há poucos dias assistimos um
fato um tanto quanto inusitado, os juros bancários caíram e uma semana depois o
COPOM reduziu a taxa de juros (a carroça puxou o boi???).&nbsp;



Uma coisa me chamou muito atenção, por que só
agora os bancos públicos assumiram o papel de um banco público?&nbsp; ou seja, de bancos reguladores, pois o que
forçou a queda na taxa de juros não foi a redução da SELIC e sim porque existiu
uma intervenção direta da CEF e do BB (que até uma semana atrás agiam como
bancos comuns). Agora estou vendo a maravilhosa da Camila Pitanga fazendo
propaganda para o Banco do Brasil e para a CAIXA.



Vale salientar que o nosso dinheiro continua sendo um dos
mais CAROS do mundo (com essa redução, perdeu o primeiro lugar para a Rússia),&nbsp; &nbsp;mesmo
com toda crise européia,&nbsp; a taxa de juros
referenciais do BC Europeu é de 1% (UM POR CENTO!!!!), os juros cobrados são
infinitamente menores do que os juros brasileiros (caso tenham esquecido, com a
redução da SELIC, a nossa taxa referencial hoje é de 9%). Em outras palavras,
os bancos continuam sendo agiotas institucionalizados pelo governo. Com estes
números podemos observar a quantidade de gordura que estes bancos ainda tem
para cortar.



Só não entendi o motivo da redução dos juros bancários não
ter atingido o setor imobiliário, uma engrenagem da economia muito sensível a
qualquer movimento no tabuleiro do xadrez (os resultados são imediatos!). Entendo que a
classe C precisa de moradia, mas não podemos esquecer a moradia&nbsp; da&nbsp;
pobre e achatada classe média, que está ficando tão média que a qualquer
hora vou chamar de cabeça de bacalhau (todo mundo sabe que existe, mas ninguém vê!).



Aconselhei&nbsp; uma grande
amiga baiana (que mora em Minas... Volta Querida!!!) a renegociar com o banco o financiamento do seu automóvel, acho que ficou com preguiça de ir até ao banco (é uma tendência natural o banco tentar segurar o cliente com as taxas antigas, mas com a regra da portabilidade de dívidas, eles podem criar barreiras, mas não seguram os clientes). Mas voltando ao caso da minha amiga... ela financiou um carro em 48 parcelas de R$ 548,00, se minha melhor&nbsp; amiga Baiana pegar a bendita fila para falar com o gerente e conseguir reduzir a parcela dela em R$ 50,00 no final de 48 meses ela vai ter poupado R$ 2.400,00! PEGA A FILA QUERIDA!!!!