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A Central Bank rental calculator is an essential tool for those who want to update the values of old contracts in a fair and transparent way. It allows prices to be adjusted according to official indices, ensuring that landlords and tenants have a reliable calculation.

If you need to understand how this calculator works, what indexes it uses and how to use it correctly, read on. I'll explain everything in a simple and practical way!

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How does the Central Bank calculator work?

The Central Bank provides a value correction calculator, which can be used to adjust the rent based on economic indices such as:

  • IPCA (Broad Consumer Price Index)
  • IGP-M (General Market Price Index)
  • INPC (National Consumer Price Index)

It updates the rent according to inflation or the chosen index, taking into account the start and end date of the calculation period. This avoids abusive charges or non-standard adjustments.

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Which index to use to adjust the rent?

The choice of index depends on the rental agreement. The most common is IGP-Mbecause historically it has been widely used for rent adjustments in Brazil. However, the IPCA has been increasingly adopted as it better reflects consumer inflation.

If the contract does not specify which index will be used, it is necessary to negotiate with the landlord or follow the average market adjustments.

How to use the Central Bank's rent calculator?

To calculate the rent adjustment, follow these steps:

1# Visit the Central Bank's website and go to the value update tool.
2# Enter the start date (when the rent was fixed) and the end date (date of the new adjustment).
3# Choose the index which will be used for the correction, such as IGP-M or IPCA.
4# Enter the current rent and click on calculate.
5# The tool will show the new updated value according to the variation in the index.

The process is quick and guarantees more security when it comes to adjusting the rental price without any surprises for either party.

Is the Central Bank's calculator reliable?

Yes, the Central Bank is the country's main financial institution and its tool uses official data. The indices are updated monthly and follow reliable economic criteria, and are widely accepted by real estate agents and rental contracts.

What to do if the adjustment is too high?

If the new calculated value is much higher than expected, there are a few alternatives:

  • Negotiate with the landlord for a smaller adjustment.
  • Ask for the increase to be paid in installments to avoid an immediate financial impact.
  • Compare with other indicesSome may have a smaller variation.
  • Looking for a new property if the increase is unfeasible within the budget.

Adjustments should always be based on real economic indices, but should also take into account the reality of the market and the tenant's financial capacity.

An excellent tool

A Central Bank rental calculator is an excellent tool for updating contracts transparently and securely. If you need to correct an old rent, using this calculator can prevent miscalculations and ensure a fair adjustment.

Now that you know how to use it, go to the Central Bank's website and make your calculation to keep your rent updated correctly!

See also: Credit card debt: how to renegotiate with digital banks

February 22nd, 2025