The loan to finance a motorcycle can be a good solution for those who can no longer walk on foot and are out of money. Mainly, if it's a motorcycle without entry.
Today we separate another special article that will certainly help you who are looking for better financial conditions in negotiations.
Financing motorcycle zero is it worth it?
Having your own vehicle is a basic need for many Brazilians, as public transport leaves much to be desired in some cities.
Buying a motorcycle is an alternative that has been sought by many people. But when that money is missing for the down payment, the question arises: is it possible to make a no down payment motorcycle financing?
You can rejoice, because the answer is Yes!
Even if it is not an easy process to find resellers and finance companies that do, there are already many that are willing to make it easier so as not to lose customers. With calm and a good research, you will find the solution to this problem.
Motorbike Financing without Entry
First of all, it is important that you have all the necessary documents to apply for a motorcycle loan without a down payment.
Firstly, it is necessary to point out that buying a vehicle without paying a down payment is not usually the best option. This method can considerably burden the installments in relation to interest.
However, in some cases, the buyer needs the motorcycle urgently and cannot wait to gather resources and make a down payment. In that case you also have the option of making a loan to buy motorcycle.
If you need help, check out our calculator!
But what we are going to talk about here is basically the methods that exist on the market, which in turn make it possible to buy a motorcycle under these conditions: financing, consortium and leasing.
Each of these methods has its advantages and disadvantages, and it's up to you to decide which one best suits your needs!
Honda motorcycle without entry – how to do it?
It's a question that has many possible answers: do you really know how much it costs to have a new Honda motorcycle?
let's talk about buy Honda motorcycle without entry and consider a current model and one of the most sophisticated versions of the brand: the CG 160 Start. This bike can cost you installments of R$ 151, you know? If you don't believe it, find out how to simulate Honda financing!
When simulating financing without a down payment, normally the installments are R$ 151 if you opt for the 80-month payment period. It can be acquired through the National Honda Consortium.
And the best thing is that the simulation is practical and intuitive in the official site from Honda.
Another way to buy your Honda motorcycle without a down payment is through the consortium, which is a way to buy high-value products in installments.
It has similarities to a bank loan, but it has differences as well. In the case of Honda, there is the Honda National Consortium.
It works like this: the consortium chooses a payment term and pays monthly installments until the end of the contract. Afterwards, he withdraws the letter of credit or the desired item, which in the case of Honda, can be a motorcycle or car.
Yamaha motorcycle without entry – how to do it?
Buying a Yamaha Motorcycle is also not that complicated, but you need to pay attention to the details of its interest and long-term fees.
Yamaha, like Honda, has a spreadsheet from its consortium that is available on the internet and shows that rates change according to payment terms.
For you to have an idea how the transaction is very simple and accessible. The monthly administration fee ranges from 0.2% per month to 1.5% per month.
The reserve fund with Honda or Yamaha also varies and is between 0.02% and 0.125% per month. It is worth considering that when applying for financing at Yamaha, the possible terms are 12, 25, 36, 50, 60, 72 and 80 months.
Advantages of the Yamaha Motorcycle
It is one of the darlings of Brazilians who love speed. Yamaha has one of the best acquisition values on the market, as well as investing in high technology to raise its category models.
Those who already know the brand should be aware of the 2020 motorcycle launches, as Yamaha promises a lot of news for its audience.
Yamaha is always a reference when it comes to motorcycles and you will realize that this purchase is worth it. The models are complete and very comfortable.
Disadvantages of the Yamaha motorcycle
Not everything is perfect, is it? See now the main disadvantages for those who choose models to buy a Yamaha zero motorcycle. When it comes to assistance, the brand leaves much to be desired, at least that's what market research says.
In addition, another thing is that the brand has a very salty assistance value, Yamaha tends to have a somewhat expensive cost for parts for different motorcycle models.
However, to really decide which brand is the best, you, dear reader and buyer, must compare the aspects of each one to your priorities as an owner.
You will need to submit the following documents:
– RG
– CPF or CNH
– Proof of income (paycheck or bank statement)
– Proof of residence (not older than 3 months)
And any other document requested by the finance company or concessionaire.
Where to get a loan to buy a brand new motorcycle?
Buying a brand new motorcycle will always be a challenge, and taking out a loan to buy your motorcycle will be even greater.
There are some interesting options on the market, however, we always want to indicate the safest ones. Therefore, always with a lower interest rate that fits in your pocket.
If you are really going to get a loan, we recommend that you do online simulations, preferably at the bank where you are already a customer.
If you don't have a bank account yet, we recommend online simulations at the following financial institutions: Banco Itau, Bradesco and Santander, all of which have affordable conditions.
Is your name not clear for traditional banks? We at the Digital Seguro portal recommend that you do a search on the Crefisa, which is a company that works with negatives.
More information about financing or loan? Click here.
And to make your own calculations, get to know our online interest calculator.
