The older the vehicle and lower the time, the higher the rate of financing the purchase of a car
This article was translated by an automatic translation system, and was therefore not reviewed by people.
They are wrong who think that the older the car, children are financing rates. At the time of choosing the year of the vehicle, the consumer should be careful because the interest rates vary with the date of manufacture of the car. According to a survey of the $, you can take a car seven years younger, and more doors, virtually the same provision, since it has to pay the installments for two years.
Comparisons
In Caixa Economica Federal, a Celta 1.0 three-door, 2001 - the total value of $ 15,153, by the Fipe, $ serves as a parameter to the market - is funded in three years for non-customers, with provision of $ 592 per month at a monthly rate of 1.85%. With over U.S. $ 6 per month and paying the debt for two years, you can take a Celtic year 2008, with the same features but with five doors (U.S. $ 22,025) because the rate drops to 1.68%.
Banco Santander in a Uno Mille, two doors, with air conditioning, 1.0, 2000 (U.S. $ 11,193) is funded at 36 times of $ 394.21, a monthly rate of 1.90%, with input 20%. The same model six years younger (U.S. $ 17,315) is funded by 60 times from U.S. $ 395.27, with the same input, but with interest of 1.87%.
Banks set interest rates in different ways
Each bank takes a practice to establish the interest in the sales period. According to the director of HSBC Finance Automobile, Sérgio Cipovicci usually a new car usually has the same rate of up to three years of use.
- From there, as the car is financed older, the rates tend to be higher depending on the lower value of the security offered, so liquidity. - Explained.
In HSBC, interest rates are equal for vehicles with up to three years of use. Another fee is charged for models with four to ten years of manufacture. In Santander, the table of interest is split between 0KM cars, vehicles from 2003 to 2008 and from 2002 to 1999 cars. Box, the conditions are the same for vehicles with up to five years of production. Only increases for models with more than six years of use.
Furthermore, according to vice president of the National Association of Executives in Finance, Administration and Accounting (Anefac), Miguel de Oliveira, weigh charges in other aspects of finance: term value of the input and commitment of the buyer's income.
According to the director of network Disnave, Gustavo Brito, each institution has a line of performance and area of interest. And there is always one that fits the customer profile:
- Some lines are not very extended financing and other investments in this segment just as poorly designed.
In search of a model to replace its Fiesta in 1997, the technician in the telecommunications Leonardo Vieira, 31 years, I realized that for him, get a vehicle does not pay too old:
- The newer cars have the best conditions.
Source: Extra Online
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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