This incentive worked so well for car dealers and carmakers to break new and used vehicle sales records, much as they were able to encourage customers to buy a car through discounts and other advantages.
But you have to be aware, because choosing a car model to buy is the easiest part of the process. However, dazzled by the advantages, consumers do not pay attention to several important aspects. Buying a new car with reduced IPI has become more important than considering sales conditions, interest rates, and other operating charges that undermine your income.
Is it better to finance a car or buy it in cash?
In this scenario, this is the most commonly asked question by consumers. If the person already has a money reserved or invested in any type of investment, there is no doubt, it is simple: buy the car in sight, this is the best way to buy a vehicle, because you can have more negotiation and get discounts bigger.
Other than the purchase of a cash car generates the elimination of a series of charges embedded in the installments of the financing such as the IOF (Tax on Financial Operations). If you do not have the full money to buy the vehicle, you can opt for the most advantageous financing, just be aware of the details of the operation.
The Central Bank of Brazil (BC) has suspended charging the credit opening fee (TAC), except the dealers, it is common to find this rate linked to the cost of the vehicle, with different names but with the same effect.
Another problem is the funding booklet, many bills continue to be printed with the Booklet Issue Rate (TEC), another rate suspended by the BC for a long time. Our tip is to understand what is most advantageous at the time of car purchase: whether it is full financing, partial financing with entry, 50% financing of the vehicle value given at the entrance or the purchase of the cash car.
Another important point for buying a car, regardless of whether the vehicle is cash-bought or financed is to have an accurate sense of the amount that will be left in your budget to maintain the car. Remember that a car generates recurring periodic costs like fuel, periodic maintenance, annual taxes and auto insurance.