Comprar carro no fim do ano é um mau negócio Não é o que parece l 2019 William Guimaraes

Summary

In this video, the speaker discusses the pros and cons of buying a new car at the end of the year, particularly focusing on the IPVA tax implications in Brazil. The video compares the costs of buying a car in November versus January, explaining that while buying at the end of the year saves on IPVA for two months, waiting until January might result in a higher overall tax due to the car being classified as used. The speaker provides insights on how IPVA is calculated based on the manufacturing year and offers practical advice to help viewers decide the best time to make their purchase.

Takeaways

• 😀 Buying a new car at the end of the year can seem appealing, but it's essential to consider the total costs, including taxes, before making the decision.
• 😀 If you buy a new car in November, you'll only pay the IPVA (car tax) for two months—November and December. The total IPVA will be split accordingly.
• 😀 In São Paulo, the IPVA is 4% of the car's value, so for a new car worth R$48,890, the monthly IPVA for two months is R$325.93.
• 😀 If you wait until January to buy the car, you'll end up paying the full IPVA for the year, which could amount to R$1,673, plus the previous IPVA installment, leading to a total of around R$1,998.
• 😀 There's a minimal difference in IPVA costs between purchasing the car at the end of the year (November or December) versus waiting until January, with only a small savings of R$42 if the price remains unchanged.
• 😀 Car prices may increase between November and January, potentially making it less advantageous to wait for the new year, as the price difference might exceed any IPVA savings.
• 😀 The year of manufacture (2018) does not matter as much when considering IPVA. What matters is the car's model year (2019), as the tax is calculated based on that, not the production year.
• 😀 If you buy a 2018 car with a 2019 model year in November, the IPVA will be lower compared to buying a 2019 model year car in January, because the tax will be based on the car’s model year, not the year of manufacture.
• 😀 Even though the IPVA might be slightly higher in January for a new car, the main difference comes from the model year, which affects its depreciation and resale value in the long term.
• 😀 The final decision about whether to buy a car now or wait until the next year depends on your priorities—whether it's the immediate financial implications or potential benefits from getting a newer model.

Q & A

Why might someone consider buying a car at the end of the year?

One reason to buy a car at the end of the year is to take advantage of paying only two months of IPVA (vehicle tax) for that year, potentially saving some money compared to buying at the beginning of the following year.

What is IPVA, and how does it affect car purchases in Brazil?

IPVA is the car tax in Brazil, and its cost is based on the value of the car. Buying a car at the end of the year means paying the tax only for two months, while buying in January means paying the full tax for the upcoming year based on the car's value.

How is the IPVA calculated for a car purchased at the end of the year?

For a car purchased at the end of the year, the IPVA is calculated based on the value of the car at the time of purchase, but it is prorated for just two months—November and December.

How does the year of manufacture versus the year of the model affect the car's IPVA?

The IPVA is calculated based on the year of manufacture, not the model year. For example, even if a car is sold as a 2019 model, if it was manufactured in 2018, the tax will be based on the 2018 year.

What happens if you buy a car in January instead of December?

If you buy a car in January, you'll pay the full IPVA for the year based on the car's registration year, which could result in a higher tax compared to buying in December, where the tax is only for the remaining months of the year.

How much can the IPVA differ if buying a car in November versus January?

The difference in IPVA for buying a car in November versus January can be small, typically around R$ 42, assuming the price of the car does not increase. The real savings come from paying a prorated tax at the end of the year.

Does waiting until the next year guarantee a cheaper IPVA?

No, waiting until the next year doesn't guarantee a cheaper IPVA. While the IPVA may be slightly higher, the savings are usually minimal, especially if the car's price increases by a small amount.

What impact does buying a car at the end of the year have on resale value?

The resale value is more influenced by the model year rather than the manufacturing year. Even if a car is manufactured in late 2018 and sold as a 2019 model, it will be considered a 2019 car for resale purposes.

Is it worth waiting for a new car model to be released in January?

It might not be worth waiting for a new model unless you're specifically interested in the latest features. The financial difference in IPVA or price increase is usually small, and the main impact is on the registration year for resale.

What factors should someone consider when deciding whether to buy a car now or later?

Consider the total cost of IPVA, potential price increases at the beginning of the year, the model year versus the manufacturing year for resale value, and your readiness to make the purchase. If the car’s price is expected to rise or if you're eager to have it sooner, buying now might make more sense.