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loja de carros
Para economizar na hora de comprar um carro é muito importante pesquisar as ofertas disponíveis no mercado.

Muita gente tem pressa ou deseja tanto ter um carro que acaba contraindo uma dívida desnecessária ao comprar modelos caros, completos e cuja necessidade não era tão urgente assim. Trata-se da famosa compra por impulso. Veja abaixo como driblar essas despesas desnecessárias, fazendo uma ótima compra, mas consciente de suas necessidades:

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Existem diversas ofertas de carro, de variadas marcas e modelos. Consulte sites de automóveis, amigos, parentes e mecânicos de confiança sobre o assunto, sempre comparando os preços e formas de financiamento.

Faça as contas

Conseguiu encontrar o carro ideal para você? O passo seguinte consiste em consultar o valor do IPVA deste automóvel, além do preço do seguro. Caso precise guardá-lo no estacionamento, acrescente este valor na conta também. Verifique quantos quilômetros por litro o veículo é capaz de fazer, e calcule o valor do combustível que será gasto.

Tenha em mente que um carro gera despesas constantes. Só para ter uma ideia, em 2014, para manter um carro popular era necessário um gasto de R$ 1.000,00 mensais. O valor inclui IPVA, seguro, estacionamento, combustível, licenciamento, pedágios, multas, lavagens e inspeção veicular. Em cinco anos, um carro que foi comprado por R$ 20 mil já terá custado R$ 80 mil.

Não seja influenciado

Não se deixe levar pela propaganda ou pelo que os outros falam. Em vez de levar em conta apenas a opinião de terceiros, avalie cuidadosamente suas necessidades e sua situação financeira.

Novo X seminovo?

Muitas vezes, um carro seminovo pode ser a melhor saída para você. Isso porque existem muitos carros seminovos que estão em perfeito estado de conservação, permitindo que você tenha uma boa economia com a compra. O carro zero, por sua vez, já sai da concessionária valendo 10% menos.

Financiamento X pagamento à vista

Prestações baixas e a longo prazo acabam custando mais caro ao comprador, que vai pagar uma taxa de juros muito alta. O ideal é comprar um seminovo em boas condições, sempre a vista, ou de preferência pagando menos prestações possíveis.

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