{"id":1677,"date":"2025-10-09T06:00:00","date_gmt":"2025-10-09T06:00:00","guid":{"rendered":"https:\/\/casapraquetequero.com.br\/?p=1677"},"modified":"2025-10-07T23:36:48","modified_gmt":"2025-10-07T23:36:48","slug":"juros-nominal-x-juros-real-entenda-o-que-sao-e-as-diferencas-na-pratica","status":"publish","type":"post","link":"https:\/\/casapraquetequero.com.br\/es\/juros-nominal-x-juros-real-entenda-o-que-sao-e-as-diferencas-na-pratica\/","title":{"rendered":"Inter\u00e9s nominal frente a inter\u00e9s real: entienda qu\u00e9 son y las diferencias en la pr\u00e1ctica"},"content":{"rendered":"<html><body><h1 data-start=\"414\" data-end=\"485\"><\/h1>\n<p data-start=\"487\" data-end=\"778\">Compreender a diferen\u00e7a entre <strong data-start=\"517\" data-end=\"534\">juros nominal<\/strong> x <strong data-start=\"537\" data-end=\"551\">juros real<\/strong> \u00e9 essencial para qualquer pessoa que deseja investir com intelig\u00eancia e proteger o seu patrim\u00f4nio da <strong data-start=\"653\" data-end=\"665\">inflaci\u00f3n<\/strong>.<\/p><div class=\"code-block\"><div class=\"ads-title\">Publicidad<\/div> \r\n<div id=\"content1-slot-area\" style=\"min-width: 250px; min-height: 250px;\"><\/div> \r\n<\/div>\n<p data-start=\"487\" data-end=\"778\">Esses dois conceitos, embora pare\u00e7am semelhantes, t\u00eam impactos muito diferentes nos <strong data-start=\"751\" data-end=\"777\">resultados financeiros<\/strong>.<\/p>\n<h2 data-start=\"785\" data-end=\"807\">\ud83d\udca1 O que s\u00e3o Juros?<\/h2>\n<p data-start=\"809\" data-end=\"925\">Antes de tudo, \u00e9 importante entender o conceito b\u00e1sico de <strong data-start=\"867\" data-end=\"876\">inter\u00e9s<\/strong>.<br data-start=\"877\" data-end=\"880\">En resumen, <strong data-start=\"891\" data-end=\"922\">juros \u00e9 o custo do dinheiro<\/strong>.<\/p>\n<ul data-start=\"926\" data-end=\"1046\">\n<li data-start=\"926\" data-end=\"983\">\n<p data-start=\"928\" data-end=\"983\">Cuando <strong data-start=\"940\" data-end=\"968\">pega dinheiro emprestado<\/strong>, paga juros.<\/p>\n<\/li>\n<li data-start=\"984\" data-end=\"1046\">\n<p data-start=\"986\" data-end=\"1046\">Cuando <strong data-start=\"998\" data-end=\"1030\">empresta ou investe dinheiro<\/strong>, ganha juros.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1048\" data-end=\"1170\">Os juros representam, portanto, o <strong data-start=\"1082\" data-end=\"1100\">pre\u00e7o do tempo<\/strong> \u2014 o quanto vale adiar o consumo presente em troca de um ganho futuro.<\/p>\n<h2 data-start=\"1177\" data-end=\"1212\">\ud83d\udcca O que s\u00e3o <strong data-start=\"1193\" data-end=\"1211\">Juros Nominais<\/strong>?<\/h2>\n<p data-start=\"1214\" data-end=\"1432\">En <strong data-start=\"1217\" data-end=\"1235\">juros nominais<\/strong> representam a <strong data-start=\"1250\" data-end=\"1273\">taxa de juros bruta<\/strong>, sem levar em conta o impacto da infla\u00e7\u00e3o.<\/p>\n<p data-start=\"1214\" data-end=\"1432\"><br data-start=\"1316\" data-end=\"1319\">\u00c9 o valor que aparece nos contratos de empr\u00e9stimos, financiamentos ou nas descri\u00e7\u00f5es de aplica\u00e7\u00f5es financeiras.<\/p>\n<p data-start=\"1434\" data-end=\"1606\">\ud83d\udc49 Em outras palavras, os juros nominais mostram <strong data-start=\"1483\" data-end=\"1525\">quanto o seu dinheiro \u201crende\u201d no papel<\/strong>, mas <strong data-start=\"1531\" data-end=\"1576\">n\u00e3o revelam o quanto voc\u00ea realmente ganha<\/strong> em termos de poder de compra.<\/p>\n<p data-start=\"1608\" data-end=\"1846\"><strong data-start=\"1608\" data-end=\"1628\">Exemplo pr\u00e1tico:<\/strong><br data-start=\"1628\" data-end=\"1631\">Se um investimento oferece <strong data-start=\"1658\" data-end=\"1689\">10% ao ano de juros nominal<\/strong>, isso significa que, ao final de um ano, voc\u00ea ter\u00e1 10% a mais do que o valor aplicado \u2014 mas sem considerar a perda do poder de compra causada pela infla\u00e7\u00e3o.<\/p>\n<h2 data-start=\"1853\" data-end=\"1885\">\ud83d\udcc8 O que s\u00e3o <strong data-start=\"1869\" data-end=\"1884\">Juros Reais<\/strong>?<\/h2>\n<p data-start=\"1887\" data-end=\"2069\">En <strong data-start=\"1893\" data-end=\"1908\">juros reais<\/strong> mostram o <strong data-start=\"1919\" data-end=\"1936\">ganho efetivo<\/strong> ap\u00f3s descontar a <strong data-start=\"1954\" data-end=\"1977\">infla\u00e7\u00e3o do per\u00edodo<\/strong>.<br data-start=\"1978\" data-end=\"1981\">Ou seja, \u00e9 o quanto o seu dinheiro realmente valorizou <strong data-start=\"2036\" data-end=\"2068\">em termos de poder de compra<\/strong>.<\/p>\n<p data-start=\"2071\" data-end=\"2178\">Se a infla\u00e7\u00e3o for alta, ela <strong data-start=\"2099\" data-end=\"2139\">corr\u00f3i o valor do rendimento nominal<\/strong>, reduzindo o ganho real do investidor.<\/p>\n<p data-start=\"2180\" data-end=\"2194\"><strong data-start=\"2180\" data-end=\"2192\">Ejemplo:<\/strong><\/p>\n<ul data-start=\"2195\" data-end=\"2248\">\n<li data-start=\"2195\" data-end=\"2224\">\n<p data-start=\"2197\" data-end=\"2224\">Juros nominal: 10% ao ano<\/p>\n<\/li>\n<li data-start=\"2225\" data-end=\"2248\">\n<p data-start=\"2227\" data-end=\"2248\">Infla\u00e7\u00e3o: 6% ao ano<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2250\" data-end=\"2354\">Logo, o <strong data-start=\"2258\" data-end=\"2272\">juros real<\/strong> \u00e9 aproximadamente <strong data-start=\"2291\" data-end=\"2297\">4%<\/strong>, pois parte do rendimento foi \u201cconsumida\u201d pela infla\u00e7\u00e3o.<\/p>\n<h2 data-start=\"2361\" data-end=\"2387\">\u2696\ufe0f Diferen\u00e7a na Pr\u00e1tica<\/h2>\n<p data-start=\"2389\" data-end=\"2510\">Suponha que voc\u00ea investiu R$ 10.000 com <strong data-start=\"2429\" data-end=\"2461\">juros nominais de 10% ao ano<\/strong>.<br data-start=\"2462\" data-end=\"2465\">No final de 12 meses, voc\u00ea teria R$ 11.000.<\/p>\n<p data-start=\"2512\" data-end=\"2647\">Mas se a <strong data-start=\"2521\" data-end=\"2539\">infla\u00e7\u00e3o anual<\/strong> foi de <strong data-start=\"2547\" data-end=\"2553\">6%<\/strong>, o seu poder de compra aumentou apenas cerca de <strong data-start=\"2602\" data-end=\"2608\">4%<\/strong> \u2014 ou seja, <strong data-start=\"2620\" data-end=\"2644\">R$ 400 de ganho real<\/strong>.<\/p>\n<p data-start=\"2649\" data-end=\"2758\">\u27a1\ufe0f Mesmo que o valor nominal pare\u00e7a alto, <strong data-start=\"2691\" data-end=\"2757\">o que realmente importa \u00e9 o ganho real sobre o poder de compra<\/strong>.<\/p>\n<h2 data-start=\"2765\" data-end=\"2811\">\ud83e\udde0 Por que essa Diferen\u00e7a \u00e9 T\u00e3o Importante?<\/h2>\n<p data-start=\"2813\" data-end=\"2894\">Entender a diferen\u00e7a entre <strong data-start=\"2840\" data-end=\"2857\">juros nominal<\/strong> e <strong data-start=\"2860\" data-end=\"2874\">juros real<\/strong> \u00e9 essencial para:<\/p>\n<ul data-start=\"2895\" data-end=\"3094\">\n<li data-start=\"2895\" data-end=\"2941\">\n<p data-start=\"2897\" data-end=\"2941\">Visite <strong data-start=\"2903\" data-end=\"2938\">investimentos mais inteligentes<\/strong>;<\/p>\n<\/li>\n<li data-start=\"2942\" data-end=\"2989\">\n<p data-start=\"2944\" data-end=\"2989\">Evitar <strong data-start=\"2951\" data-end=\"2986\">perdas mascaradas pela infla\u00e7\u00e3o<\/strong>;<\/p>\n<\/li>\n<li data-start=\"2990\" data-end=\"3041\">\n<p data-start=\"2992\" data-end=\"3041\">Comparar op\u00e7\u00f5es de investimento de forma justa;<\/p>\n<\/li>\n<li data-start=\"3042\" data-end=\"3094\">\n<p data-start=\"3044\" data-end=\"3094\">Planejar o <strong data-start=\"3055\" data-end=\"3093\">crescimento real do seu patrim\u00f4nio<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3096\" data-end=\"3230\">\ud83d\udc49 Investir sem considerar a infla\u00e7\u00e3o pode dar a <strong data-start=\"3145\" data-end=\"3172\">falsa sensa\u00e7\u00e3o de lucro<\/strong>, quando, na realidade, o poder de compra est\u00e1 diminuindo.<\/p>\n<h2 data-start=\"3237\" data-end=\"3272\">\ud83e\uddee Como Calcular o <strong data-start=\"3259\" data-end=\"3272\">Juro Real<\/strong><\/h2>\n<p data-start=\"3274\" data-end=\"3414\">Muitas pessoas acreditam que basta <strong data-start=\"3309\" data-end=\"3348\">subtrair a infla\u00e7\u00e3o da taxa nominal<\/strong>, mas o c\u00e1lculo correto \u00e9 um pouco diferente.<br data-start=\"3393\" data-end=\"3396\">A f\u00f3rmula exata \u00e9:<\/p>\n<p><span class=\"katex-display\"><span class=\"katex\"><span class=\"katex-mathml\">Juro\u00a0Real=(1+Juro\u00a0Nominal1+Inflac\\ca~o)\u22121Juro\\ Real = \\left(\\frac{1 + Juro\\ Nominal}{1 + Infla\u00e7\u00e3o}\\right) \u2013 1<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord mathnormal\">J<\/span><span class=\"mord mathnormal\">u<\/span><span class=\"mord mathnormal\">ro<\/span><span class=\"mspace\">\u00a0<\/span><span class=\"mord mathnormal\">R<\/span><span class=\"mord mathnormal\">e<\/span><span class=\"mord mathnormal\">a<\/span><span class=\"mord mathnormal\">l<\/span><span class=\"mrel\">=<\/span><\/span><span class=\"base\"><span class=\"minner\"><span class=\"mopen delimcenter\"><span class=\"delimsizing size3\">(<\/span><\/span><span class=\"mord\"><span class=\"mfrac\"><span class=\"vlist-t vlist-t2\"><span class=\"vlist-r\"><span class=\"vlist\">1<span class=\"mbin\">+<\/span><span class=\"mord mathnormal\">I<\/span><span class=\"mord mathnormal\">n<\/span><span class=\"mord mathnormal\">f<\/span><span class=\"mord mathnormal\">l<\/span><span class=\"mord mathnormal\">a<\/span><span class=\"mord accent\"><span class=\"mord mathnormal\">c<\/span><span class=\"accent-body\">\\c<\/span><span class=\"vlist-s\">\u200b<\/span><\/span><span class=\"mord accent\"><span class=\"vlist-t\"><span class=\"mord mathnormal\">a<\/span><span class=\"accent-body\">~<\/span><\/span><\/span><span class=\"mord mathnormal\">o<\/span>1<span class=\"mbin\">+<\/span><span class=\"mord mathnormal\">J<\/span><span class=\"mord mathnormal\">u<\/span><span class=\"mord mathnormal\">ro<\/span><span class=\"mspace\">\u00a0<\/span><span class=\"mord mathnormal\">N<\/span><span class=\"mord mathnormal\">o<\/span><span class=\"mord mathnormal\">mina<\/span><span class=\"mord mathnormal\">l<\/span><\/span><span class=\"vlist-s\">\u200b<\/span><\/span><\/span><\/span><\/span><span class=\"mclose delimcenter\"><span class=\"delimsizing size3\">)<\/span><\/span><\/span><span class=\"mbin\">\u2212<\/span><\/span><span class=\"base\"><span class=\"mord\">1<\/span><\/span><\/span><\/span><\/span><\/p>\n<h3 data-start=\"3492\" data-end=\"3513\">Exemplo aplicado:<\/h3>\n<ul data-start=\"3514\" data-end=\"3559\">\n<li data-start=\"3514\" data-end=\"3540\">\n<p data-start=\"3516\" data-end=\"3540\">Juros nominal: <strong data-start=\"3531\" data-end=\"3538\">10%<\/strong><\/p>\n<\/li>\n<li data-start=\"3541\" data-end=\"3559\">\n<p data-start=\"3543\" data-end=\"3559\">Infla\u00e7\u00e3o: <strong data-start=\"3553\" data-end=\"3559\">6%<\/strong><\/p>\n<\/li>\n<\/ul>\n<p><span class=\"katex-display\"><span class=\"katex\"><span class=\"katex-mathml\">(1+0,10)\/(1+0,06)\u22121=0,0377(1 + 0,10) \/ (1 + 0,06) \u2013 1 = 0,0377<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mopen\">(<\/span><span class=\"mord\">1<\/span><span class=\"mbin\">+<\/span><\/span><span class=\"base\"><span class=\"mord\">0<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">10<\/span><span class=\"mclose\">)<\/span><span class=\"mord\">\/<\/span><span class=\"mopen\">(<\/span><span class=\"mord\">1<\/span><span class=\"mbin\">+<\/span><\/span><span class=\"base\"><span class=\"mord\">0<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">06<\/span><span class=\"mclose\">)<\/span><span class=\"mbin\">\u2212<\/span><\/span><span class=\"base\"><span class=\"mord\">1<\/span><span class=\"mrel\">=<\/span><\/span><span class=\"base\"><span class=\"mord\">0<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">0377<\/span><\/span><\/span><\/span><\/span> <span class=\"katex-display\"><span class=\"katex\"><span class=\"katex-mathml\">0,0377\u00d7100=3,77%0,0377 \u00d7 100 = 3,77\\%<\/span><span class=\"katex-html\" aria-hidden=\"true\"><span class=\"base\"><span class=\"mord\">0<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">0377<\/span><span class=\"mbin\">\u00d7<\/span><\/span><span class=\"base\"><span class=\"mord\">100<\/span><span class=\"mrel\">=<\/span><\/span><span class=\"base\"><span class=\"mord\">3<\/span><span class=\"mpunct\">,<\/span><span class=\"mord\">77%<\/span><\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"3634\" data-end=\"3692\">\u2705 Portanto, o <strong data-start=\"3648\" data-end=\"3661\">juro real<\/strong> nesse caso \u00e9 <strong data-start=\"3675\" data-end=\"3691\">3,77% ao ano<\/strong>.<\/p>\n<h2 data-start=\"3699\" data-end=\"3742\">\ud83d\udd22 Ferramentas para Calcular Juros Reais<\/h2>\n<p data-start=\"3744\" data-end=\"3930\">Hoje em dia, existem diversas <strong data-start=\"3774\" data-end=\"3797\">calculadoras online<\/strong> que facilitam o c\u00e1lculo de <strong data-start=\"3825\" data-end=\"3840\">juros reais<\/strong>, permitindo comparar diferentes investimentos rapidamente.<\/p>\n<p data-start=\"3744\" data-end=\"3930\"><br data-start=\"3899\" data-end=\"3902\">Alguns exemplos \u00fateis s\u00e3o:<\/p>\n<ul data-start=\"3932\" data-end=\"4042\">\n<li data-start=\"3932\" data-end=\"3983\">\n<p data-start=\"3934\" data-end=\"3983\"><strong data-start=\"3934\" data-end=\"3981\">Calculadora de Juros Reais \u2013 Money.com<\/strong><\/p>\n<\/li>\n<li data-start=\"3984\" data-end=\"4020\">\n<p data-start=\"3986\" data-end=\"4020\"><strong data-start=\"3986\" data-end=\"4018\"><a class=\"decorated-link\" href=\"#\" rel=\"noopener\" data-start=\"3988\" data-end=\"4016\">Investimento Calculator<\/a><\/strong><\/p>\n<\/li>\n<li data-start=\"4021\" data-end=\"4042\">\n<p data-start=\"4023\" data-end=\"4042\"><strong data-start=\"4023\" data-end=\"4040\"><a class=\"decorated-link\" href=\"#\" rel=\"noopener\" data-start=\"4025\" data-end=\"4038\">Bankrate<\/a><\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4044\" data-end=\"4149\">Essas ferramentas ajudam a visualizar a <strong data-start=\"4084\" data-end=\"4106\">rentabilidade real<\/strong> e tomar decis\u00f5es financeiras mais seguras.<\/p>\n<h2 data-start=\"4156\" data-end=\"4181\">\ud83d\udcac Exemplo Comparativo<\/h2>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"4183\" data-end=\"4483\">\n<thead data-start=\"4183\" data-end=\"4239\">\n<tr data-start=\"4183\" data-end=\"4239\">\n<th data-start=\"4183\" data-end=\"4199\" data-col-size=\"sm\">Tipo de Juros<\/th>\n<th data-start=\"4199\" data-end=\"4214\" data-col-size=\"sm\">Taxa Nominal<\/th>\n<th data-start=\"4214\" data-end=\"4225\" data-col-size=\"sm\">Inflaci\u00f3n<\/th>\n<th data-start=\"4225\" data-end=\"4239\" data-col-size=\"sm\">Juros Real<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"4301\" data-end=\"4483\">\n<tr data-start=\"4301\" data-end=\"4361\">\n<td data-start=\"4301\" data-end=\"4318\" data-col-size=\"sm\">Ahorro<\/td>\n<td data-start=\"4318\" data-end=\"4334\" data-col-size=\"sm\">6,17% a.a.<\/td>\n<td data-start=\"4334\" data-end=\"4346\" data-col-size=\"sm\">4,0% a.a.<\/td>\n<td data-start=\"4346\" data-end=\"4361\" data-col-size=\"sm\">2,08% a.a.<\/td>\n<\/tr>\n<tr data-start=\"4362\" data-end=\"4422\">\n<td data-start=\"4362\" data-end=\"4379\" data-col-size=\"sm\">CDB<\/td>\n<td data-start=\"4379\" data-end=\"4395\" data-col-size=\"sm\">10% a.a.<\/td>\n<td data-start=\"4395\" data-end=\"4407\" data-col-size=\"sm\">6,0% a.a.<\/td>\n<td data-start=\"4407\" data-end=\"4422\" data-col-size=\"sm\">3,77% a.a.<\/td>\n<\/tr>\n<tr data-start=\"4423\" data-end=\"4483\">\n<td data-start=\"4423\" data-end=\"4440\" data-col-size=\"sm\">Tesouro IPCA+<\/td>\n<td data-start=\"4440\" data-end=\"4456\" data-col-size=\"sm\">6% + IPCA<\/td>\n<td data-start=\"4456\" data-end=\"4468\" data-col-size=\"sm\">4,5% a.a.<\/td>\n<td data-start=\"4468\" data-end=\"4483\" data-col-size=\"sm\">6% a.a.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p data-start=\"4485\" data-end=\"4629\">\ud83d\udcca Como se v\u00ea, o <strong data-start=\"4502\" data-end=\"4519\">Tesouro IPCA+<\/strong> mant\u00e9m a <strong data-start=\"4529\" data-end=\"4560\">rentabilidade real positiva<\/strong>, pois corrige o valor pela infla\u00e7\u00e3o e ainda paga uma taxa adicional.<\/p>\n<h2 data-start=\"4636\" data-end=\"4672\">\ud83d\udca1 Dica de Ouro para o Investidor<\/h2>\n<p data-start=\"4674\" data-end=\"4891\">Ao escolher onde investir, <strong data-start=\"4701\" data-end=\"4739\">sempre avalie a taxa de juros real<\/strong>.<\/p>\n<p data-start=\"4674\" data-end=\"4891\"><br data-start=\"4740\" data-end=\"4743\">Um investimento com <strong data-start=\"4763\" data-end=\"4784\">taxa nominal alta<\/strong>, mas com <strong data-start=\"4794\" data-end=\"4814\">infla\u00e7\u00e3o elevada<\/strong>, pode render menos do que outro com taxa menor, mas <strong data-start=\"4867\" data-end=\"4890\">infla\u00e7\u00e3o controlada<\/strong>.<\/p>\n<p data-start=\"4893\" data-end=\"5043\">Outro ponto importante \u00e9 <strong data-start=\"4918\" data-end=\"4934\">diversificar<\/strong> seus investimentos entre op\u00e7\u00f5es de <strong data-start=\"4970\" data-end=\"4995\">renda fixa e vari\u00e1vel<\/strong>, buscando equilibrar rentabilidade e seguran\u00e7a.<\/p>\n<h2 data-start=\"5050\" data-end=\"5064\">Conclusi\u00f3n<\/h2>\n<p data-start=\"5066\" data-end=\"5313\">Entender a diferen\u00e7a entre <strong data-start=\"5093\" data-end=\"5110\">juros nominal<\/strong> e <strong data-start=\"5113\" data-end=\"5127\">juros real<\/strong> \u00e9 fundamental para proteger o seu dinheiro e garantir que ele realmente cres\u00e7a com o tempo.<\/p>\n<p data-start=\"5066\" data-end=\"5313\"><br data-start=\"5219\" data-end=\"5222\">Ignorar a infla\u00e7\u00e3o pode levar a decis\u00f5es equivocadas, comprometendo o retorno financeiro.<\/p>\n<p data-start=\"5315\" data-end=\"5503\">Portanto, ao analisar qualquer investimento, <strong data-start=\"5360\" data-end=\"5391\">observe sempre o ganho real<\/strong>, utilize <strong data-start=\"5401\" data-end=\"5438\">ferramentas de c\u00e1lculo confi\u00e1veis<\/strong> e, se poss\u00edvel, <strong data-start=\"5455\" data-end=\"5502\">conte com o apoio de um assessor financeiro<\/strong>.<\/p>\n<\/body><\/html>","protected":false},"excerpt":{"rendered":"<p>Juros nominal e juros real s\u00e3o conceitos essenciais na economia. Compreenda a diferen\u00e7a entre eles e como afetam seus investimentos. Entenda agora!<\/p>","protected":false},"author":3,"featured_media":1676,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aplicativos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Juros nominal x juros real- entenda o que s\u00e3o e as diferen\u00e7as<\/title>\n<meta name=\"description\" content=\"Juros nominal e juros real s\u00e3o conceitos essenciais na economia. 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