DICAS PARA FINANCIAR A MOTO SEM PAGAR TANTO JUROS

Summary

In this video, the host celebrates Customer Day and discusses the challenges of financing motorcycles in Brazil, especially those over 9 years old. Due to the associated risks and depreciation, most financial institutions are hesitant to provide loans for older vehicles. The host explains that while some banks might finance older bikes, the interest rates are high. They suggest considering personal loans or paying in cash to avoid high-interest charges. The video also touches on the importance of a significant down payment to secure lower interest rates and the impact of the customer's credit history on loan approval.

Takeaways

• 🎉 The video is a celebration of 'Customer Day', emphasizing the importance of customers and their role in motivating the creation of content.
• 🏦 Financing motorcycles in Brazil is challenging due to the absence of laws regulating financial institutions' obligations to finance older vehicles.
• 🚗 Financial institutions consider the age of a vehicle as a significant risk factor, which affects the availability and terms of financing.
• 📉 There's a correlation between the age of a vehicle and its value, with older vehicles depreciating faster and being less likely to be financed by banks.
• 📊 Data from a 2020 analysis shows that the majority of vehicles in Brazil are between 6 to 15 years old, with fewer vehicles being older than 16 years.
• 💵 Most sales (90%) in the store are financed, with customers often preferring to pay in installments to avoid depleting their capital.
• 📈 Interest rates on financed purchases are increasing, making it less attractive for customers to opt for financing, even with significant down payments.
• 🚫 It's difficult to secure financing for motorcycles older than 9 years due to the high risk and correspondingly high interest rates.
• 💼 Alternative financing options like personal loans or credit cards might be more viable for purchasing older motorcycles.
• ⏳ The approval process for financing has become more complex with higher interest rates and less favorable terms for older vehicles.
• 💡 The video suggests that the best way to minimize interest payments is to buy a newer motorcycle and provide a larger down payment.

Q & A

Why is it difficult to finance motorcycles with more than 9 years of age in Brazil?

In Brazil, financial institutions consider the age of the vehicle as a risk factor. As the age of the motorcycle increases, so does the risk, making it less likely to be financed by banks due to depreciation and potential for default on payments.

What is the average age of vehicles in circulation in Brazil according to the 2020 analysis?

The 2020 analysis showed that 24% of vehicles in circulation were up to 5 years old, 58% were between 6 to 15 years old, and 18% were older than 16 years.

What is the common financing limit for motorcycles in terms of age in Brazil?

Most financial institutions in Brazil finance motorcycles that are up to 10 years old, with some exceptions like Banco Pan and Omni Financeira that may finance motorcycles with more than 10 years.

Why do customers prefer financing over paying in cash for motorcycles?

Customers often prefer financing to avoid depleting their capital, allowing them to maintain liquidity for emergencies. It also allows for a more manageable payment plan, spreading the cost over time.

How does the down payment affect the interest rate of a financed motorcycle?

The larger the down payment, the lower the interest rate tends to be. Conversely, smaller down payments result in higher interest rates, as the financial risk for the lender increases.

What is the typical financing term for motorcycles in Brazil?

The typical financing term for motorcycles in Brazil is up to 48 months, which is different from cars that may offer financing up to 60 months.

Why might a customer choose a personal loan over vehicle financing?

A personal loan allows the customer to use the funds for any purpose, including purchasing a motorcycle, without the vehicle being used as collateral. This can be beneficial if the customer wants to avoid high interest rates associated with vehicle financing.

How does the credit history of a customer impact the financing approval and interest rates?

A customer's credit history can significantly impact the financing approval and the interest rates offered. A good credit history may lead to lower interest rates and easier approval, while a poor credit history can result in higher interest rates or even denial of financing.

What is the role of the dealership in the financing process according to the script?

The dealership acts as a bridge between the customer and the bank, facilitating the financing process but does not have control over the interest rates or approval decisions, which are determined by the bank.

Why might a bank charge higher interest rates for financing older motorcycles?

Banks charge higher interest rates for older motorcycles due to the increased risk associated with depreciation and potential default. The lack of guarantee on the vehicle's value makes it a less secure investment for the bank.

What is the advice given in the script for customers looking to minimize interest payments on motorcycle financing?

The advice is to finance the youngest motorcycle possible and to provide the maximum down payment, ideally up to 50%, as this can significantly reduce the interest rate.