🤔 Ainda vale a pena ter um CARRO ZERO no Brasil?

Summary

In this video, William Ribeiro dives into the decision-making process between purchasing a new car versus a used one, while also considering the option of using ride-sharing services like Uber. He provides an in-depth financial analysis, comparing costs such as depreciation, maintenance, insurance, and fuel. The video also touches on the emotional aspects of owning a new car versus a used one, offering insights into the hidden costs of car ownership and revealing that, in many cases, using Uber may be the more cost-effective choice in the long run. Ribeiro encourages viewers to evaluate both financial and emotional factors before making a decision.

Takeaways

• 😀 Buying a new car or using Uber involves both financial and emotional decisions. It’s important to consider both factors before making a choice.
• 😀 The Fiat Cronos and Honda Civic represent two different options: a new, affordable car vs. a used, reliable model. Both have their advantages and drawbacks depending on personal needs.
• 😀 Financially, the cost of owning a car includes not only the purchase price but also depreciation, maintenance, and insurance costs, which may surprise many owners over time.
• 😀 Using Uber can be a cheaper alternative to owning a car, especially when considering long-term expenses like maintenance and depreciation. In some cases, it may save more money in the long run.
• 😀 A new car depreciates significantly in the first few years. After driving it off the lot, its value drops immediately, and it continues to lose value over time.
• 😀 For a used car like the Honda Civic, much of the depreciation has already occurred, so it may hold its value better in the following years compared to a new car.
• 😀 Over a period of 10 years, the cost of owning a personal car (including depreciation, maintenance, and other expenses) can far exceed the cost of using ride-sharing services like Uber.
• 😀 The cost of insurance for both new and used cars varies, but older cars may be more expensive to insure due to higher repair costs and harder-to-find parts.
• 😀 Maintenance costs for new cars are more predictable, while older cars can incur unexpected and expensive repairs as parts wear out.
• 😀 The emotional appeal of a new car, such as the “new car smell” and the prestige of owning a brand-new vehicle, is a strong motivator for many buyers, but it comes with higher ongoing costs.
• 😀 Choosing between a new or used car depends on your personal preferences—whether you prioritize the comfort and reliability of a new car or the savings and value of a well-maintained used car.

Q & A

What factors should be considered when choosing between buying a new or used car?

In addition to financial aspects like maintenance costs, fuel, and depreciation, emotional factors like the appeal of owning a new car and personal comfort also play a significant role. It's crucial to also consider the long-term costs, including insurance, repairs, and potential depreciation.

What was the comparison made between the Fiat Cronos and Honda Civic?

The Fiat Cronos is a brand new car costing 108,000 BRL, whereas the Honda Civic is a used car from 2018 priced at 58,000 BRL. The Civic offers more power and luxury features but comes with potential higher maintenance costs due to its age.

How does the cost of owning a new car compare to using Uber in the first year?

In the first year, the cost of owning a Fiat Cronos or using Uber is almost identical, around 52,000 BRL. This includes factors such as depreciation, insurance, maintenance, and the opportunity cost of not investing the 108,000 BRL.

What does the 5 and 10-year cost comparison reveal about owning a car versus using Uber?

Over 5 years, owning the car costs around 240,500 BRL, while Uber costs about 24,000 BRL less. In 10 years, the total cost of owning the car could be nearly 661,000 BRL, significantly more expensive than using Uber.

Why is it considered that Uber may be a more affordable option than owning a car?

Uber can be cheaper due to lower long-term costs, including no depreciation, maintenance, and insurance. Over a longer period, using Uber can save more money compared to owning a car, especially considering how cars lose value quickly.

How does car depreciation affect the decision between new and used cars?

New cars lose value almost immediately after purchase, with a significant drop as soon as the car leaves the dealership. Over the first two years, new cars can lose up to 20,000 BRL in value, while used cars have already taken the major hit in depreciation.

What impact does IPVA (vehicle tax) have on the decision to buy a car?

IPVA is a significant cost when buying a new car, especially since it’s calculated based on the car's market value. For a 108,000 BRL new car, IPVA could cost over 4,000 BRL, whereas with a used car, particularly one older than 20 years, IPVA might be much lower or nonexistent.

How do maintenance costs differ between new and used cars?

New cars like the Fiat Cronos have predictable, lower maintenance costs, with the first five years of service costing approximately 5,100 BRL. However, used cars have more unpredictable maintenance costs, which can include expensive repairs if the car is older.

What are the insurance costs like for new and used cars?

Insurance for a new car, like the Fiat Cronos, can range between 2,500 to 3,000 BRL. For older cars, insurance might be harder to obtain and can cost anywhere from 1,500 to 2,000 BRL, depending on the car’s condition and model.

How do fuel consumption rates affect the decision to buy a car versus using Uber?

Fuel consumption is an important factor; new cars typically consume less fuel. If you drive frequently, even small differences in fuel efficiency can add up. However, if you drive less, the difference in fuel costs between a new and used car may not significantly impact your decision.