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Simulation Shows That Financing a 2022 Tracker With a Down Payment of R$ 50 Thousand and a Term of 60 Months Can Generate Over R$ 35 Thousand in Interest, but There Are Ways to Save
Vehicle financing remains a very popular option in Brazil. And in the case of the 2022 Tracker SUV, which has an estimated value of R$ 105 thousand, this option also applies.
A simulation made by the channel Pipoco Investidor shows how much the buyer would pay in total by choosing to finance the car with a down payment of R$ 50 thousand and installment payments over 60 months.
Below, see the details of this calculation and how the amount can vary based on the term and payment strategy.
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Simulation With a Down Payment of R$ 50 Thousand and Financing Over 60 Installments
The total value of the vehicle used in the simulation is R$ 105 thousand. The buyer, in this case, makes a down payment of R$ 50 thousand and finances the remaining R$ 55 thousand.
With an estimated monthly interest rate of 1.8% — a value that can vary depending on the customer’s profile and the chosen bank — the installments would be fixed. The monthly payment would be R$ 1,556.
Over the five years of financing, the total paid would be R$ 140,393.49. This represents an increase of R$ 35,393.49 in interest.
In percentage terms, the interest corresponds to about 25% of the total amount disbursed by the buyer by the end of the contract.
Interest Rates Are High but Expected Over Long Terms
In the analysis presented by the channel, the amount of interest is considered high in absolute terms — over R$ 35 thousand. However, proportionally, this number is not as excessive when observing that the term is five years.
In any case, it is possible to pay less interest by changing some parameters. The main one is the term. The shorter the financing, the lower the final amount in interest.
Reducing the Term to 48 Installments Changes the Scenario
The channel also simulated the same financing with a shorter term. By choosing financing over 48 installments — that is, 4 years — the total amount of interest decreases significantly.
In this case, the total interest paid becomes R$ 27,603. This represents 21% of the total amount disbursed. It is a considerable reduction, with a difference of R$ 7,790 compared to the previous simulation.
However, the monthly installment in this new scenario increases. The exact value of the new installment was not specified, but the comment indicates it would be over R$ 1,600, which may impact the budget for those in need of a more affordable payment.
Amortization as a Strategy to Save
An alternative mentioned in the video is amortization. This technique is known as “paying backwards.” The goal is to anticipate payments from the end of the contract, which reduces the total interest amount.
In the simulation made, the 60th installment — the last one — would be R$ 525. If the buyer decided to anticipate this payment, they would avoid paying the interest included in the coming months.
In this example, by anticipating the last installment, the savings would amount to R$ 980 in interest. This happens because the amount paid in advance does not incur the increases planned in the original schedule.
That is, amortizing the financing over time can be a good way to ease both the monthly payments and the total paid at the end.
The simulation shows that financing the 2022 Tracker, with a down payment of R$ 50 thousand and a term of 60 months, results in a total payment of over R$ 140 thousand. This is a significant increase over the financed amount, driven by the interest of 1.8% per month.
However, strategies such as reducing the term or making occasional amortizations help reduce this cost. For those who can afford higher installments, shorter financing is an option. For those needing to keep the monthly amount lower, they can benefit from amortizations during the contract.
Decisions should always consider the budget and payment capacity. Even with high interest rates, there are ways to save in the long run.
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