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The Simulation Uses an Entry of R$ 25 Thousand, a Term of 48 Installments, and an Interest Rate of 1.8% Per Month to Reveal How Much It Really Costs to Finance an HB202023 and What the Fixed Installments Are.
The simulation presented by the channel Pipoco Investidor details how much the buyer would pay when financing an HB20 2023 valued at R$ 65,000.00. The video explains each step of the calculation and emphasizes that the calculation follows a practical example, based on common parameters in vehicle credit operations.
Down Payment, Term, and Interest Rate
The presenter informs that he used a down payment of R$ 25,000.00 as a reference. Thus, the financed amount corresponds to the difference between the total price of the vehicle and the initial amount paid. The term considered is 48 months, equivalent to four years, with a monthly interest rate of 1.8%.
He highlights that this rate can vary significantly because it depends on the buyer’s score and the conditions offered by each financial institution at the time of the contract. Nevertheless, he uses this percentage to clearly demonstrate how the amounts evolve throughout the financing.
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Installment Amount and Total Cost
According to the simulation, the monthly installments would remain fixed at R$ 1,251.00 throughout the four years. Working with these numbers, the video shows that the buyer would spend a total of R$ 85,075.00 by the end of the financing.
Of that final amount, R$ 20,075.00 corresponds only to the interest paid during the period. The channel calculates that this is equivalent to 24% of the total spent, a percentage that draws attention from some followers who track this kind of content.
The presenter comments that many people consider this amount high, since, in practice, the buyer pays around R$ 5,000.00 per year in interest within this example.
Still, he notes that those who have an old vehicle, valued at approximately R$ 25,000.00 and requiring heavy maintenance, often face similar or even higher expenses over the course of a year.
Comparison Made in the Video
The video suggests that, in some cases, it might be worthwhile to consider trading for a newer model, such as the HB202023 used as a reference. The justification is that a newer car tends to require less maintenance and offers greater reliability.
The presenter emphasizes that this is just a personal analysis and encourages the audience to share their own experiences with the model.
Encouragement for Audience Interaction
At the end of the explanation, the content creator invites viewers to send in other simulations so he can produce new videos. He also reminds that the table used to calculate the installments is available for R$ 5.00, with a link accessible on the profile screen and in the description.
The video concludes with a direct message: following the profile, liking, saving, and sharing helps keep the work active. The presenter thanks the audience and ends the publication with a message of closeness to the public.
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