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Financing a Used 2017 Voyage Is a Common Choice Among Brazilians Seeking Mobility Without Having the Full Amount Up Front. However, Many Are Shocked to Discover How Much They Will Actually Pay at the End of the Contract. In This Simulation, It Is Clear How the Term, Rate, and Type of Payment Directly Impact the Final Cost
Many people consider financing a used car like the 2017 Volkswagen Voyage 1.6. But is it worth it? Based on a simulation, it is possible to better understand the costs involved in this type of operation.
In the presented example, the vehicle’s price is R$ 46,000.00, with a down payment of R$ 13,000.00. The chosen term was 60 months, or 5 years, with an interest rate of 2.2% per month.
With these conditions, the buyer will pay fixed installments of R$ 995.37 throughout the entire period. In the end, adding all the installments to the down payment, the total amount disbursed will be R$ 72,751.91.
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This number represents an increase of R$ 26,751.91 in interest, which corresponds to 37% of the total paid.
High Interest Rates Are Annoying, But Reality Weighs Heavy
When looking at the numbers, it is common for consumers to be shocked. After all, a car advertised for R$ 46,000 ends up costing over R$ 72,000. The difference is significant.
Many people complain about this situation, questioning the high cost of interest. However, as highlighted in the example, this is the reality for those living in Brazil who need to resort to financing to purchase a vehicle.
A person who wants to acquire their own car but does not have the full amount upfront ultimately opts for this route. Even with unfavorable conditions, thousands of Brazilians face this type of financial commitment.
Shortening the Term Reduces Interest
One of the alternatives to pay less interest is to reduce the term of the financing. When the number of installments decreases, the monthly payment rises, but the total interest falls.
In the analyzed example, by reducing the term from 60 to 48 months, the installment increases from R$ 995.00 to R$ 1,120.00. Despite this, the total amount of interest decreases significantly.
With the change in term, the total interest paid would drop from R$ 26,000 to R$ 20,000. In other words, a savings of R$ 6,000.00, simply by shortening the financing period by one year.
This is a decision that requires planning. Not everyone can afford a higher installment. But for those who can, it might be a way to save a lot in the end.
Amortizing Installments Also Helps
Another important tip mentioned in the simulation is amortization. This refers to the famous “paying from back to front.” It means advancing payments on the end of the financing.
When you pay off the last installments early, you eliminate all the interest embedded in those payments. This is because most of the interest accrues at the beginning of the contract.
This practice is advantageous because it allows you to reduce the outstanding balance, shorten the term, and still save on the total paid.
Not everyone has extra money to do this. But when some extra cash comes in, it’s worth considering amortizing part of the financing.
Conclusion: Planning Makes a Difference
The financing of the used 2017 Voyage 1.6, with a down payment of R$13,000 and an interest rate of 2.2%, resulted in installments of R$ 995.37 and a total cost of R$ 72,751.91. An increase of R$ 26,000 just in interest.
But the example also showed that it is possible to reduce interest. Shortening the term or making amortizations can significantly lighten the burden of financing.
Even in a scenario of high interest rates, planning and information help make better decisions. After all, every real saved makes a difference in the consumer’s pocket.
Se o financiamento de 60 meses for pago sempre a parcela atual é a última parcela quanto ficaria o valor total do veículo????