Qual o valor de uma parcela residual? Entenda como funciona

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Todo mundo quer ter um veículo zero km. O problema surge no alto investimento que isso implica, com juros altíssimos.

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Mas existe uma forma de financiamento em que você pode ter seu carro novo, com juros reduzidos, e ao final a montadora garante a recompra com o pagamento da última e maior parcela, a chamada residual.

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Uma nova modalidade de financiamento tem atraído mais consumidores em busca de um carro 0 km.

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Trata-se da parcela residual ou plano balão. Com efeito, o consumidor para levar seu carro novo precisa dar uma entrada menor.

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Pagar depois prestações menores do que um financiamento comum e, por fim, acertar uma parcela mais alta que será a residual.

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A ideia de pagar uma parcela maior no final pode assustar, mas aí que reside o benefício.

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As montadoras aceitam em um pré-acordo a parcela residual como forma de pagamento pelo carro na compra de um novo.

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