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Simulation Shows How the Installments of the Biz 125 Looks Like with a Down Payment of R$ 1,500 — See Options for 48 Installments and the Total Amount at the End of Financing
Acquiring a new motorcycle is the desire of many Brazilians, and financing is still the most common way to make it possible.
With a low down payment and long terms, many people can leave the dealership with a brand new model.
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In this case, a simulation made for the BIZ 125 ES, with a down payment of R$ 1,500, shows how the installment amounts and the total cost of the financing look.
Down Payment and Financed Amount
The simulation starts with a down payment of R$ 1,500. After the initial payment, the amount to be financed is R$ 16,350.
This is the amount that will be divided according to the buyer’s choice, varying the number of installments according to the available budget and preference.
The financing of the Biz 125 ES, starting from this amount, was simulated with different terms. Three examples are presented: 36 installments and 48 installments. Each with a corresponding installment amount.
Installments of 48 Times
The option presented in the simulation is financing in 48 installments. In this case, the amount of each installment is R$ 790. Since there is a larger number of installments, the installment amount is small.
However, over time, the total amount to be paid is significantly higher. Multiplying R$ 790 by 48 months results in a final cost of R$ 37,920.
This is the total amount paid at the end of the contract, summing all monthly installments. Comparing with the initially financed amount (R$ 16,350), it is possible to notice the difference generated by interest.
Total Cost and Impact on Finances
Even with an initial down payment of R$ 1,500, financing in 48 installments makes the final amount of the motorcycle exceed R$ 37,000.
This represents more than double the financed amount, highlighting the importance of carefully assessing the conditions before closing a deal.
Many consumers choose long terms to lower the installment amount. But in the end, the total amount paid can be quite high.
Therefore, it is essential to consider all possibilities and understand how much one is willing to commit per month, without failing to evaluate the total cost.
In the case of the simulation made for the Biz 125 ES, with a down payment of R$ 1,500 and financing in 48 installments, the buyer will pay installments of R$ 790.
At the end of four years, the total amount paid will be R$ 37,920. This is the final amount that the consumer will pay to have the motorcycle fully paid in this plan.
Because of this, it is advisable for the customer to opt for a larger down payment. Since the higher the down payment, the lower the financed amount, significantly reducing the interest paid.
Simulation of the Honda FAN 160 2025 with a Down Payment of R$ 2,500
With rising prices and the difficulty of buying outright, financing remains one of the main ways to acquire a new motorcycle in Brazil.
Below, we present a complete simulation for the Honda FAN 160 model, year 2025, based on an initial down payment of R$ 2,500.
The FAN 160 has a suggested price of R$ 23,650 in cash. After paying the down payment of R$ 2,500, the financed amount is R$ 21,150.
The simulation shows four payment options, with terms varying between 12 and 48 months. The data were presented by Ricardo’s channel.
In the 12-installment plan, each installment is R$ 2,356, totaling R$ 28,272 in payments. Adding the down payment, the final amount paid reaches R$ 30,772. This is the option with the shortest term, but it requires a high monthly payment, ideal for those who want to pay off quickly and can handle larger installments.
In financing for 48 installments, the monthly payment drops to R$ 883, totaling R$ 42,384 in payments. With the down payment, the total amount reaches R$ 44,884. This is the longest option and with the lowest payment per month, being more accessible for those with limited income or needing smaller payments to fit into the budget.
It is important to highlight that the amounts presented throughout the article are part of a simulation based on a hypothetical scenario. The real financing conditions, such as interest rates, installment amounts, and credit approval, vary according to each consumer’s profile and the policies of financial institutions. To obtain accurate and personalized results, it is best to consult banks, finance companies, or authorized dealerships directly.
Honda Biz 125 ES 2025
Equipped with a 123.9 cm³ OHC single-cylinder engine, the new Biz 125 ES delivers a maximum power of 9.53 hp at 7,500 rpm and a torque of 1.03 kgf.m at 6,000 rpm, sufficient to handle the traffic of large cities with agility.
The PGM-FI electronic fuel injection system ensures cleaner and more efficient operation, reducing fuel consumption and emissions.
Another differentiator is the four-speed semi-automatic transmission, which eliminates the need for a clutch, making it easier to ride for those seeking convenience. The electric start reinforces this proposal, making daily use simpler and faster.
In terms of dimensions, the motorcycle maintains a compact size, with a length of 1,897 mm, seat height of 749 mm, and a dry weight of just 96 kg. The 5-liter tank, with a reserve of 1.1 liters, reinforces the economic vocation of the model, ideal for long periods of urban use without the constant need for refueling.
Regarding comfort and safety, the Biz 125 ES adopts a monocoque chassis, front suspension with telescopic fork, and rear suspension with oscillating arm. The CBS (Combined Brake System) brake system, with 130 mm drums on both wheels, distributes braking force to ensure greater stability.
Depois de comprar e apoiar um roubo absurdo desses em céu aberto a pessoa ainda tem coragem de dizer assim “Presente de Deus” Será mesmo que Deus vai contribuir para ansiedades preocupações e estresse quando uma pessoa toma uma infeliz decisão dessas de adquirir uma moto Biz por esse valor final? Com certeza não.
45 mil em uma biz quem é louco?
A parcela está muito pesada.