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Abstract(s)
É sabido que estes dois temas - a taxa de juro e a inflação – têm uma importância
fundamental na vidas pessoal e empresarial existindo contudo alguma desinformação
sobre estes assuntos. Com o seu avultado impacto e neste âmbito alargado da perspetiva
ecconómica que sem dúvida se relaciona com o intuito do Mestrado em Auditoria do
Instituto Superior de Contabilidade e Administração do Porto assim se desenvolveu este
trabalho.
Esta dissertação considerou o estudo e aprendizagem destes temas,
apresentando numa fase introdutória uma revisão de literatura sobre o sector bancário, o
crédito bancário à habitação, a taxa de juro e a inflação. Reunindo esta informação, foi
elaborado um caso prático - um inquérito sobre a taxa de juro e a inflação em Portugal.
Neste foi possível enfatizar três pontos chave: a inflação consiste num aumento
generalizado dos preços dos bens e dos serviços; a variação da taxa de juro é a melhor
forma de controlar a inflação; e por fim o crédito à habitação é o recurso mais utilizado
como financiamento para aquisição de habitação própria.
Ao longo deste trabalho é possível verificar a ligação existente entre a taxa de juro
e a inflação, bem como os impactos significativos que advém das suas variações. O
aumento das taxas de juro é o mecanismo mais eficiente para combater a inflação, mas
esse aumento, por outro lado, dificulta o crédito à habitação. O aumento da inflação
condiciona as decisões das pessoas, bem como o seu aspeto mais consumista
It is well known that these two topics - interest rates and inflation - are of fundamental importance in personal and business life, but there is a certain amount of misinformation about them. Given their huge impact in this broad scope of the economic perspective, which is undoubtedly related to the aim of the Master's Degree in Auditing at the Instituto Superior de Contabilidade e Administração do Porto, this work was been developed . This dissertation considered the study and learning of these issues, presenting in an introductory phase a literature review on the banking sector, mortgage loans, interest rates and inflation. Gathering this information, a case study was drawn up - a survey - on interest rates and inflation in Portugal. It was possible to emphasise three key points: inflation is a general increase in the price of goods and services; interest rate variation is the best way to control inflation; and finally, mortgage credit is the most widely used resource for financing home ownership. Throughout this work it has been possible to see the link between interest rates and inflation, as well as the significant impacts of their variation. Raising interest rates is the most efficient mechanism for combating inflation, but on the other hand, it makes it more difficult to get a mortgage. Rising inflation affects people's decisions and their behaviour.
It is well known that these two topics - interest rates and inflation - are of fundamental importance in personal and business life, but there is a certain amount of misinformation about them. Given their huge impact in this broad scope of the economic perspective, which is undoubtedly related to the aim of the Master's Degree in Auditing at the Instituto Superior de Contabilidade e Administração do Porto, this work was been developed . This dissertation considered the study and learning of these issues, presenting in an introductory phase a literature review on the banking sector, mortgage loans, interest rates and inflation. Gathering this information, a case study was drawn up - a survey - on interest rates and inflation in Portugal. It was possible to emphasise three key points: inflation is a general increase in the price of goods and services; interest rate variation is the best way to control inflation; and finally, mortgage credit is the most widely used resource for financing home ownership. Throughout this work it has been possible to see the link between interest rates and inflation, as well as the significant impacts of their variation. Raising interest rates is the most efficient mechanism for combating inflation, but on the other hand, it makes it more difficult to get a mortgage. Rising inflation affects people's decisions and their behaviour.
Description
Keywords
Taxa de juro Inflação Setor bancário Crédito à habitação Interest rate Banking sector Housing Ccredit Inflation