Financiamento e consórcio na compra de uma moto: um estudo de caso levando em consideração a realidade de Araguaína-TO

Abstract

Consortia and financing are market options for vehicle purchases, including motorcycles in this group. Motorcycles are popular vehicles in many Brazilian cities, as they provide better fuel economy, greater agility, are more affordable compared to other transport vehicles, such as cars. The city of Araguaína has a significant number of motorcycles when compared to other municipalities of the state of Tocantins and Brazil. This fact is analyzed in this paper in order to discuss the best ways to acquire motorcycles for citizens. Due to the financial and budgetary difficulties of the araguainense population, although more affordable in relation to prices, motorcycles are vehicles bought by most of the population through financial products such as consortia and financing. These products are analyzed throughout the work and are compared in several of their essential characteristics in order to help the user's decision making through simulations to buy a motorcycle. Consortium and financing products are able to meet most of the expectations of people who want to purchase a motorcycle. There is no better product in every respect, as each has its own characteristics that distinguish them and can influence the final decision. It is up to the user to choose the option that best suits their goals.