Muitas concessionárias estão oferecendo “juro zero” na compra do carro, além de outras ofertas, como IPVA pago e boa valorização do usado na troca: algumas estão até pagando por seu usado o que ele realmente vale, isto é: o valor da tabela FIPE.
Promoções são sempre bem-vindas, mas o consumidor tem que tomar cuidado para não fazer um mau negócio.
Deixar de pagar o IPVA é um bom atrativo, mas saiba que apenas parte do imposto (referente a agosto-dezembro) será recolhida. Faça o cálculo para saber o real desconto.
O pagamento do usado pela tabela é um bom negócio, quer dizer: poderia ser um bom negócio se as exigências para isso não fossem tantas: normalmente o carro precisa estar impecável, com as revisões feitas na concessionária e ser completo (ar, direção, trio elétrico). Algumas revendas só compram o carro da própria marca, com limite de valor e dentro da garantia. Será que compensa?
E finalmente, o ”juro zero”, uma verdadeira falácia, pois se alguém financia o dinheiro, alguém tem que pagar. No caso das promoções que rolam por aí, a jogada é fazer o consumidor pagar a maior parte à vista: sempre mais de 60%. O restante é a prazo, mas o valor total é quase sempre o da tabela cheia, enquanto à vista você poderia ter desconto.
Pra encerrar, a financeira vai te cobrar taxa de abertura de crédito, confecção do contrato e IOF, o que vai resultar num pagamento extra inesperado. Os juros do “juro zero” (sic) podem chegar a 7,5% ao ano (CET = Custo Efetivo Total).
Por isso, corra atrás das oportunidades, mas cuidado com as pegadinhas.
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