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The New Year has finally arrived. Welcome 2019! However, early in the year, vacation, school supplies and taxes, such as IPTU and IPVA, are coming in. In the state of São Paulo, for example, IPVA payments start on 01/09/2019 for end plates 1. Those who pay in cash can earn 3% off. For those who saved in 2018, the best option is to pay in cash and enjoy the discounts. However, is it worthwhile to take out a loan to pay IPTU and IPVA and other start-up costs?
Bolsonaro will sign a decree and the minimum wage in 2019 goes to R $ 998
IPTU and IPVA: is it worthwhile to make a loan to pay in cash?
19659005] First, even if your money is invested in an investment, the discount is still worth it. In no application can you get 3% of income, only in the medium and long term.
You can choose to install City Hall, in the case of the IPTU, or the government of each state in the case of IPVA. However, if you do not have the money to pay in cash, is it worth it to pay installments or make a loan?
In this case, it is necessary to do the accounting and compare the interest charged by the banks or the government. Most likely, if you choose to make a personal loan, it will never be worth it. This is because the rates are much higher. However, this differs a lot from payday loans, which now allow interest rates to be close to 1% per month
It should be noted that the penalty is very severe for those who do not pay. to pay the tax. In the case of IPVA in the state of São Paulo, the fine is 20% plus the rate of Selic. Without taking into account the risk of seizure of your car.
A good tip for getting a loan easily via the Internet, via a simplified cadastre, is the fintech Bom Pra Crédito . Depending on your profile, you are directed to different partners of the institution offering credit.
Final Considerations
Obviously, making a loan is not always what's best. The best solution is to plan well in advance. If you do that at the beginning of the year, by calculating the expenses necessary to save and save that money every month, by the end of the year, it will not affect your budget. In other words, if your IPTU is $ 1,200, it is much easier to save $ 100 a month throughout the year than having to separate $ 1,200 in the month of January.
EDUARDO MENDES
I am a technology enthusiast, who also appreciates innovation, entrepreneurship, fintechs and his installations.
Graduate in Business Administration from the Federal University of Rio Grande do Sul and founder of Optclean Technology, Student Connection and Your Digital Credit.
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