In general, people know how much you pay in percentage terms for services, especially financial ones. Different reasons influence their ignorance. One is that the profile or level of education of individuals not allowed to approach a quantitative outcome. Another reason is that in any case, the value or the cost is established, and little or nothing can be done. Neither Chapulín can defend ourselves. Examples include consumer credit, the transactions made with debit cards at ATMs, the cost of checking for services, transfers, housing, credit card, cell phones, pensions and unemployment, among others.
Some time talking about the onerous financial services to customers. Some columnists call the cry in heaven, but so far no response. Only committees that studied the issue and expand the solution to problems. Who protects service users. Leagues consumers, through the government or other supervisory bodies.
Some institutions give to know what the customer returns and costs of different operations. Basically, profitability and costs are quantified in the same manner and the difference which way you look operation. The performance is what wins an individual of the amount invested and the cost is what pays the amount it receives. For example, if you get $ 100,000 in one year by an investment of $ 1,000,000, its profitability was 10% (100.000/1.000.000). Conversely, if you pay by credit received $ 90,000 and $ 910,000, the cost was 9.9% (90.000/910.000). In both cases, the interest rate or cost, can occur in a month, quarter, semester or year.
Some of the returns that provide savings and investments are easy to calculate. For example, the investment you make in savings accounts do not cover inflation and start to loss of purchasing power. Of course not forgetting the benefits. Others, because of their complexity, are not accessible to most people, others are definitely more like futurology is difficult or computable.
What about costs? We can mention the costs you incur permanent financial transactions. Here are some:
Interest rates charged are in the institutions of the usury limit. 32.88%. One question that can be user is, at the expense of who should win more than 32.88% to pay credit to a financial institution? Institutions that charge such fees believe that it is better to have a delinquent customer to have to pay a fine. Obviously, the customer pays a usurious rate is very good for them.
If the user makes cash withdrawals with a debit card at ATMs in the financial institution where you have your checking or savings account, the service is free. Some institutions have a limit on withdrawals. However, if you need it done by a cashier who does not belong to the financial institution, has costs. Examples include the withdrawals at ATMs belonging to other banking systems in some cases charge $ 4,000 or more per transaction. If you use an ATM costs $ 4,000, a person who withdrew $ 200,000, this transaction will cause a cost, numeracy, 2% (4.000/200.000). Obviously, if the removal is for a smaller amount, the cost is higher and if this is a recurring transaction, only the detailed analysis of the transaction indicate the cost monthly or annual payment equivalent to the individual. The truth is that infringes any income. Will only be comfortable for people who perform movements consistently higher values to reduce commission costs (to the extent of the withdrawal limits set by the institution permit).
What is the percentage of Colombians who makes these retreats? How many know its cost? The citizen must be very careful in using this resource-driven technology and promoted by financial institutions. If not, will be robbed without noticing it.
The technology aims to facilitate and reduce costs of operations. In our country, resulting in reductions in the high income customers.
Another example occurs when you set for your sales and place money in another institution charged $ 8400 for the costs it incurs. For example, if a company sells a product in the market for $ 100,000, your cost will be 8.4% (8.400/100.000) and its price must increase this value in order not to affect its profit. Then the consumer pays, wins the institution and said that the employer increases the cost of living. If a parent was recorded monthly to your child, you need to consider this cost. The child to withdraw the money sent by their parents should be careful to administer it.
This leads to a reflection: the lower cost for greater movement and greater cost to the lowest values. A claim element that our institutions for the recovery of high costs in other economies is that the value is high and the end is a (very good). True, but so is the minimum wage or the purchasing power in developed countries compared with those who are far greater. The same is argued, for example, fuel and other services to make the figure out of all reason. Hopefully those in charge of the settings do not lose that proportion.
Why not charge a fee depending on the values traded? In this way, individuals can better plan their finances, care for more money and take into account payments for services received. Then come back to other costs.
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