Taxa de juros e taxa Selic são a mesma coisa?

por: Portal Renda Foto: Canva

[{"selector":"#anim-5281eaac-5fdc-49f7-9dd0-0f858265cb6d","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-814d5ae2-3367-4dc3-9733-4968df6a80a6","keyframes":{"transform":["translate3d(-115.58442%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva A taxa Selic é a taxa básica de juros da economia brasileira, determinada pelo Banco Central.

[{"selector":"#anim-5384642a-e7b2-4ef6-9ee0-42ccc47a9471","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9488706f-2d3b-450f-929c-f5ba40bc53a2","keyframes":{"transform":["translate3d(-115.58442%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva Ela serve de referência para o cálculo das demais taxas de juros no mercado.

[{"selector":"#anim-60dfc5bb-bdb8-43ca-9ccf-79201caf12c2","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-648c079f-dbea-4fa5-b864-8d328e29aeba","keyframes":{"transform":["translate3d(-116.88312%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva A taxa de juros, porém, pode variar conforme o tipo de operação financeira, como empréstimos ou investimentos.

[{"selector":"#anim-3458b31b-a312-47a1-a125-51cc16b4df47","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fd099ee3-04b0-48f4-820d-719d14f7846b","keyframes":{"transform":["translate3d(-116.55844%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva A Selic influencia diretamente a economia, orientando o comportamento de outras taxas.

[{"selector":"#anim-0a17e3c6-8ae1-4e9b-a8a2-0932e60372e9","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-62d37436-90a1-4af7-9b3a-8738b36bcea4","keyframes":{"transform":["translate3d(-115.25974%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva Já as demais taxas de juros são definidas pelo mercado, considerando fatores como risco, inflação e demanda por crédito.

[{"selector":"#anim-ed10aeee-79f3-41e9-996d-1ac0aa1f6822","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-26eedf1a-d064-499f-8d57-af9abc054863","keyframes":{"transform":["translate3d(-115.58442%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva A Selic é um indicador da política monetária, mas não representa as taxas aplicadas a operações específicas.

[{"selector":"#anim-fc421fd4-fdaf-450c-a43a-e5654e8d3cb3","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f4ab1ca8-019c-496c-965f-6cbe8b336709","keyframes":{"transform":["translate3d(-115.58442%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva Portanto, embora conectadas, Selic e taxa de juros têm funções e aplicações distintas na economia.

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