{"id":688194,"date":"2024-12-06T05:00:26","date_gmt":"2024-12-06T08:00:26","guid":{"rendered":"https:\/\/api.www.webmotors.com.br\/wm1\/?p=688194"},"modified":"2026-09-12T20:08:15","modified_gmt":"2026-09-12T23:08:15","slug":"5-erros-frequentes-financiar-veiculo","status":"publish","type":"post","link":"https:\/\/www.webmotors.com.br\/wm1\/seu-bolso\/financiamento-e-consorcio\/5-erros-frequentes-financiar-veiculo\/","title":{"rendered":"Confira 5 erros frequentes ao financiar um carro"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">O financiamento \u00e9 para muitos a possibilidade de realizar o sonho de ter um carro ou moto, mas \u00e9 preciso se informar e ficar atento para que o sonho n\u00e3o vire pesadelo, com atraso no pagamento de parcelas por falta de recursos, com risco at\u00e9 de perder o bem por busca e apreens\u00e3o decretada pela Justi\u00e7a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de fechar neg\u00f3cio, informe-se a respeito dos juros, tarifas e outras taxas, valor da presta\u00e7\u00e3o e se ela se encaixa no seu or\u00e7amento, sem risco de comprometer n\u00e3o apenas o pagamento em dia das parcelas, mas outras despesas cotidianas. Por isso, planejamento e gasto consciente s\u00e3o aspectos fundamentais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 importante nunca comprometer mais que 30% da renda mensal na presta\u00e7\u00e3o. Al\u00e9m disso, \u00e9 recomendada a confer\u00eancia de d\u00e9bitos tanto de financiamento do carro adquirido quanto de multas, impostos atrasados e pend\u00eancias judiciais antes da transfer\u00eancia do ve\u00edculo para evitar surpresas futuras.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Os erros mais comuns ao financiar a compra de um carro<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N\u00e3o planejar os gastos recorrentes com o ve\u00edculo (combust\u00edvel, manuten\u00e7\u00e3o, seguro, impostos e outros) e organizar o fluxo mensal, principalmente em \u00e9pocas de concentra\u00e7\u00e3o de maiores despesas;<\/li>\n\n\n\n<li>N\u00e3o conferir d\u00e9bitos\/restri\u00e7\u00f5es tanto de financiamento quanto de impostos ou pend\u00eancias judiciais do ve\u00edculo adquirido;<\/li>\n\n\n\n<li>Comprometer mais que 30% da renda mensal na parcela do financiamento;<\/li>\n\n\n\n<li>N\u00e3o atentar para a leitura do contrato de financiamento, conferindo o que foi contratado, as obriga\u00e7\u00f5es e as penalidades em caso de atraso;<\/li>\n\n\n\n<li>N\u00e3o ter nenhuma prote\u00e7\u00e3o, como seguro ou assist\u00eancias complementares, para casos de acidentes tanto pr\u00f3prio quanto envolvendo terceiros;<\/li>\n<\/ul>\n\n\n<div class=\"related-offers wp-block-wm1-related-offers\">\n    <h2 class=\"related-offers__title\">Ofertas relacionadas<\/h2>\n\n    <ul class=\"related-offers__list\">\n                    <li class=\"related-offers__item\">\n                <a href=\"https:\/\/www.webmotors.com.br\/comprar\/citroen\/c3\/16-vti-120-flex-attraction-eat6\/4-portas\/2017-2018\/79488245\" class=\"related-offers__card\" target=\"_blank\" rel=\"noopener noreferrer\" data-interaction-click=\"clicou_ofertas_relacionadas_wm1\">\n                    <img\n                        src=\"https:\/\/image.webmotors.com.br\/_fotos\/anunciousados\/gigante\/2026\/202609\/20260915\/citroenc316vti120flexattractioneat6-WMIMAGEM10290938483.jpg\"\n       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        <\/ul>\n\n    <a href=\"https:\/\/www.webmotors.com.br\/carros\/estoque\/citroen\/c3?tipoveiculo=carros&#038;marca1=CITROEN&#038;modelo1=C3&#038;page=1\" class=\"btn btn--medium btn--secondary btn--full\" target=\"_blank\" rel=\"noopener noreferrer\" data-interaction-click=\"clicou_ofertas_relacionadas_wm1\">\n        Conferir estoque<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M17.3578 16.578C16.8358 16.578 16.4088 17.005 16.4088 17.527V18.4191C16.4088 18.8271 16.0766 19.1593 15.6685 19.1593H5.56141C5.15333 19.1593 4.82117 18.8271 4.82117 18.4286V8.31196C4.82117 7.90388 5.15333 7.57172 5.56141 7.57172H6.40604C6.92801 7.57172 7.35507 7.14466 7.35507 6.6227C7.35507 6.10074 6.92801 5.67368 6.40604 5.67368H5.56141C4.10941 5.68317 2.92313 6.85996 2.92313 8.31196V18.4286C2.92313 19.8806 4.10941 21.0668 5.56141 21.0668H15.6685C17.1205 21.0668 18.3068 19.8806 18.3068 18.4286V17.5365C18.3068 17.005 17.8797 16.578 17.3578 16.578Z\" fill=\"currentColor\"\/>\n<path d=\"M19.9202 4.58254C19.8253 4.35477 19.6355 4.16496 19.4077 4.07006C19.2843 4.02261 19.1609 3.99414 19.0376 3.99414H10.6956C10.1737 3.99414 9.74663 4.4212 9.74663 4.94316C9.74663 5.46513 10.1737 5.89219 10.6956 5.89219H16.7504L7.64928 14.9933C7.27916 15.3634 7.27916 15.9613 7.64928 16.3315C7.83909 16.5213 8.07634 16.6067 8.32309 16.6067C8.56984 16.6067 8.80709 16.5118 8.9969 16.3315L18.098 7.23031V13.2851C18.098 13.807 18.5251 14.2341 19.0471 14.2341C19.569 14.2341 19.9961 13.807 19.9961 13.2851V4.94316C19.9866 4.81979 19.9676 4.69642 19.9202 4.58254Z\" fill=\"currentColor\"\/>\n<\/svg>\n    <\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Veja o que voc\u00ea n\u00e3o deve fazer na hora de fechar neg\u00f3cio e evite dores de cabe\u00e7a com d\u00e9bitos pendentes ou falta de grana<\/p>\n","protected":false},"author":156,"featured_media":806205,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wm1_technical_sheet":[],"wm1_cross_sell_banner_enabled":true,"wm1_cross_sell_banner_custom":{"imageId":null,"link":"","target":"_blank","trackClickName":""},"wm1_related_links":[],"footnotes":""},"categories":[968],"tags":[],"brand":[775],"class_list":["post-688194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamento-e-consorcio","brand-peugeot"],"_links":{"self":[{"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/posts\/688194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/users\/156"}],"replies":[{"embeddable":true,"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/comments?post=688194"}],"version-history":[{"count":6,"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/posts\/688194\/revisions"}],"predecessor-version":[{"id":863031,"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/posts\/688194\/revisions\/863031"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/media\/806205"}],"wp:attachment":[{"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/media?parent=688194"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/categories?post=688194"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/tags?post=688194"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.webmotors.com.br\/wm1\/wp-json\/wp\/v2\/brand?post=688194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}