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When Buying a Motorcycle, Many People Are in Doubt Between Financing or Joining a Consortium. The Decision Directly Impacts the Budget and the Total Amount Paid Over the Months. A Simulation Done with the Honda Fan 160 Shows How the Choice Can Change Everything by the End of the Contract.
The amount that seems affordable at the beginning does not always remain advantageous until the end of the contract. For those considering purchasing a Honda Fan 160 in installments, it is worth doing the math carefully — especially if the financing is long.
The purpose of this simulation is to show how the final price of the motorcycle can vary significantly, depending on the chosen payment method. The analysis considers two paths: conventional financing approved by a bank and a consortium over 48 months.
Financing with an Initial Payment of R$ 3,000
With only R$ 3,000 available for the down payment, we will simulate the financing of the Fan 160.
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The simulation for payment in 48 installments, without additional upfront payment or extra guarantees required.
In this plan, the monthly installment amount is R$ 812.30.
The installments are fixed and do not increase over time. Payment is made directly to the bank, with the possibility of early repayment should the customer wish to pay off the remaining balance.
Adding the 48 payments to the initial payment, the total cost of financing exceeds R$ 40,000. This is more than double the price of the motorcycle when purchased outright, which is around R$ 20,990.
The difference is striking and raises a warning about the impact of interest rates.
Depreciation of the Asset During the Contract
Even with proper care and maintenance, the motorcycle naturally depreciates over the years.
After four years of use, a Fan 160 can be resold for something between R$ 15,000 and R$ 17,000, depending on the overall condition and mileage.
In other words, even after paying nearly R$ 42,000 in total, the buyer ends the contract with an asset worth less than half of what they spent. This doesn’t even account for expenses with insurance, maintenance, or documentation.
In cases of unforeseen events, such as accidents or damage that hinder the use of the motorcycle, the bank continues to charge the installments as usual — which reinforces the risk of high financial commitment.
Comparison with a 48-Month Consortium
To evaluate another possibility, a simulation of a consortium was done with the same 48-month period. In this case, the monthly installment is around R$ 530. At the end of the plan, the total cost is around R$ 25,000.
If it is necessary to include the shipping cost of the motorcycle to the buyer’s city, the amount rises to a maximum of R$ 28,000.
Even so, the consortium still represents significant savings compared to traditional financing.
Not considering shipping, the difference between the two options exceeds R$ 16,000. An amount that can make a significant difference in the budget of those who rely on the motorcycle for work or transportation.
Side-by-Side Simulation
See how the two models compare:
Financing:
- Down Payment: R$ 3,000
- Installments: 48x of R$ 812.30
- Total with Interest: R$ 41,990
- Advantages: immediate delivery, fixed installments
- Disadvantages: high final cost, depreciation
Consortium:
- Down Payment: variable (used as a bid)
- Installments: 48x of R$ 530
- Total without Shipping: R$ 25,000
- Total with Shipping: up to R$ 28,000
- Advantages: savings, lower interest, digital acquisition
- Disadvantages: delay in winning the bid, depends on a drawing or bid
Alternative for Those in a Hurry
Those who want to speed up the process and take the motorcycle right away can use the same R$ 3,000 from the down payment as a bid in the consortium.
In some cases, this amount is enough to expedite the winning of the bid, depending on the chosen modality.
This allows the buyer to acquire the motorcycle in less time, without resorting to traditional financing and its high costs.
For those who need the motorcycle immediately, financing may seem like the only option.
But the amount to be paid over the years deserves attention. On the other hand, the consortium requires more patience, but offers savings that can exceed R$ 16,000 — enough to think twice before deciding.
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