Clipping of news on Brazilian Culture, Law and Citizenship
02/07/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
SAO PAULO - The consumer who is willing to buy a car, surely you must have thought that the best time is now, since the price of cars fell by the reduction of the IPI (Excise Tax).
However, it is important to evaluate factors other than price, as the situation of the family budget and other expenses in addition to the plots.
Important Tips
According to financial advisors of the Consumer program MasterCard, Ricardo Pereira and Conrado Navarro, consumers should take some care not to go into debt to buy a vehicle. See what these precautions:
1. The reduction of the IPI rate does not mean that you need to buy a new car. The new car purchase involves a series of important calculations. Above all it is important to respect the budget and plan with great care to buy the car.
2. Many people act on the basis of the impulse remembering only the value of the portion of the car in time to finance the purchase. It should be noted that along with the plot other expenses need to be well accounted for (insurance, fuel, cleaning, maintenance, taxes, parking) to ensure that consumers are surprised and have the budget committed.
3. Find out what the car that the family needs? A sedan? A hatch? A utility? A good tip is to visit the websites of manufacturers and know the types of vehicles they offer. Brazil has already left, at a good time to be a few market makers present.
4. At the time of purchase always take into account your schedule. When you arrive at the dealership already know in advance how much you can afford. The seller will always take into account the best deal for him, so put into practice the power of bargaining. If payment is required to view a good discount.
5. Beware of emotion. Many financial problems arise when some decisions are based on moments of excitement. The new car purchase can be one of those moments. Choose to make the decision more rationally possible, visit the dealership before purchase and the long search for models and buying opportunities.
Source: The Day on Line
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This article was translated by an automatic translation system, and was therefore not reviewed by people.