SUVs at R$ 135k: Which One Fits Your Budget?

What happened

According to G1, the competition between Chevrolet Sonic, Volkswagen Tera, and Fiat Pulse is fierce, all priced around R$ 135,000. With similar prices and features, your choice can significantly impact your finances, especially regarding fuel consumption, maintenance, and future expenses related to the vehicle.

The newly launched Sonic offers a competitive proposal, while the Tera leads in sales, and the Pulse stands out for its performance and fuel economy. But how should you decide which one is best for you?

Why this matters in the bigger picture

The compact SUV market is growing in Brazil, reflecting a change in consumer behavior seeking comfort and safety without sacrificing economy. As the supply increases and competition heats up, manufacturers must adapt, bringing models that meet consumers' financial needs and performance expectations.

This scenario is important as it impacts financing and payment capacity. Considering that you might spend around R$ 135,000 on an SUV, this represents a significant financial commitment that needs careful planning.

What changes for those with a salary and bills

Let's consider a practical scenario. If you earn R$ 5,000 a month, the 50/30/20 method suggests you should allocate up to R$ 1,000 (20%) for investments or savings, and R$ 1,500 (30%) for personal expenses. If you decide to finance a car in the R$ 135,000 range, this can impact these amounts.

For example, if you choose a 60-month financing plan with a 20% down payment (R$ 27,000), the remaining balance to be financed would be R$ 108,000. With an interest rate of 1.5% per month, the installment would be around R$ 2,501, which exceeds the ideal limit for your monthly expenses. This means that when choosing an SUV, you should consider not only the purchase price but also the impact of the installments on your monthly budget.

Concrete actions you can take

• Calculate your expenses: Before buying, assess all your monthly expenses and see how much you can realistically allocate to financing.
• Research interest rates: Compare financing offers from different financial institutions. A 0.5% difference in rates can result in thousands of reais over the financing period.
• Consider maintenance costs: In addition to the financing installment, evaluate the maintenance and service costs of each model. The Tera, for example, has higher service costs, while the Pulse stands out for fuel economy.
• Test the models: Take test drives and see which model fits your lifestyle and desired comfort.
• Evaluate resale value: Research the depreciation of each model. A car that retains its value well could be a better long-term investment.

Connection with financial organization and ADXIS

Choosing an SUV is not just a decision about which car you want to drive; it’s a financial decision that can impact your daily life. Using the 50/30/20 method can help you organize your finances and ensure that you don’t compromise your budget with a poorly planned purchase.

The ADXIS platform can be your ally in this process, helping you track your spending and plan your finances effectively. With proper planning, you can turn your SUV purchase into an investment that perfectly fits your lifestyle and financial goals.