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Taxa de juros e taxa Selic são a mesma coisa?

por: Portal Renda

Foto: Canva

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Foto: Canva

A taxa Selic é a taxa básica de juros da economia brasileira, determinada pelo Banco Central.

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Foto: Canva

Ela serve de referência para o cálculo das demais taxas de juros no mercado.

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Foto: Canva

A taxa de juros, porém, pode variar conforme o tipo de operação financeira, como empréstimos ou investimentos.

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Foto: Canva

A Selic influencia diretamente a economia, orientando o comportamento de outras taxas.

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Foto: Canva

Já as demais taxas de juros são definidas pelo mercado, considerando fatores como risco, inflação e demanda por crédito.

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Foto: Canva

A Selic é um indicador da política monetária, mas não representa as taxas aplicadas a operações específicas.

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Foto: Canva

Portanto, embora conectadas, Selic e taxa de juros têm funções e aplicações distintas na economia.

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