How to finance a zero car: which one is the best plan?

Announcement

Buying a new wagon is an important step, but it is not always possible to pay on sight. Understanding the financing options helps you find an alternative that fits your budget and meets your needs.

1. Financing at the dealership

Practical and quick: once you go to school or model, negotiate conditions and you know how the car will go the same day. A disadvantage is usually a legal tax, which is not always competitive. Check out the promotions and shops for entry and purchase to reduce your customers.

2. Banking license

Please request a specific loan to purchase a vehicle at a bank or finance company. A major advantage is being able to compare taxes between institutions and listen to them. Approval depends on your credit history and yield analysis.

3. Leasing

No leasing, you will "aluga" the car for a certain period, paying monthly payments. At the end of the contract, you can buy it for a previously agreed residual value. Ideal for those who want to drive the vehicle frequently, but require full assistance.

4. Consortium

It works as a group of people who contribute monthly to a common fund. Periodically, one or more participants will be contemplated and received credit to purchase the cart. Sem jurors, the company can be more cheated, but contemplation is not immediate.

5. Financing with guarantee

We offer a great deal of value (investments, investments) as a guarantee to obtain immediate results with less expensive lawyers. It is an attractive option for those who economize, but requires discipline: in case of inadequacy, the guaranteed assets can be lost.

6. Availing profiles and objectives

Analyze your payment capacity, revenue value and ideal lunch. Calculate or CET (Total Effective Cost) for each option, which includes taxes, fees and security. Assim, voicê avoid surprises and listen to the plan that best fits into your equipment.

7. Despesas além das parcelas

The carriage includes more details: safety, IPVA, maintenance, fuel and any fines. More economical vehicles and with secure access you can reduce your monthly gas and get more advantageous financing.

8. Impacto da depreciação

New cars quickly lose value to our first years. If you want to find it quickly, opt for models with a good reputation. An initial investment may lose less value when sold.

Considerações finais

You don't have a single “best” financing plan. Each option draws on pros and cons that vary according to your profile, objectives and financial capacity. Make simulations, compare conditions and, if necessary, seek help from a consultant. By plan, you realize your own car without compromising your finances.