Changes in interest and truck's funding limits and buses by Finame PSI (Program of the National Bank for Economic and Social Development - BNDES) should move and bring opportunities to other formats of credit taken, such as consortia and CDC (Direct Credit Consumer).
By December 2014, 100% of the property could be funded by the federal program with rates of about 6%. Released in early 2015, the new Finame PSI provides funding of up to 70% of the goods with interest ranging from 9.5% to 10% per year, depending on the size of the credit borrowing firm. The rest, also limited to 90% of the good, you can get BNDES credit with fixed interest rates of over 15% per year

Although it is still early in determine actual changes in the profile of financing chosen by consumers, Rodobens estimated growth of 15% in their consortium agreements, with a significant portion coming from the truck and bus segment.

"The Finame brought a very strong advantage for commercial vehicles, which were low and very competitive installments. With the new rules, interest was the normality of other market financing options, "says the director of Rodobens Consortium, Ronald Torres Macedo.

"We realized that when we talk about cars and real estate, the Brazilian is worried about being a debtor. In the consortium, it is a creditor. The debtor only becomes when is contemplated, but has killed much of the debt. We also need to show that if the consumer wants, he can have been well before being drawn, giving a bid, "he adds.

Simplified documentation and possibility of longer financing are points in favor of the consortium, supported the general manager of Sales and Marketing at Ford Trucks, Antonio Baltar Jr. "The consortium is an alternative, although we have not yet indices will grow as "he says.

The VP of Sales, Marketing and After Sales of MAN Latin America, Ricardo Alouche agrees, still pointing the lease and the CDC as other alternatives.

"The Finame rates and other financing came. So, I understand that in the medium and long term, something migrates to leasing and CDC. The consortium also happens to be an interesting alternative, since the management fee ranges from 10% to 15%. When Finame was 6%, was expensive. But today I approached and is a simpler and straightforward tool, especially for those who have a fleet renewal program, "he says.

Industry bitter months lost.

The last few months have been difficult for the automotive industry, which is reflected in the truck segment, since despite an increase of 128.1% in production in January compared to December 2014, rising from 3.7000 to 8, 4000, the results are not encouraging. This is because the high is seen on a low base of comparison, since most companies stopped production and gave collective vacations. Compared to January 2014, when they were produced 13,800 units, the drop in production bitter 38.7%.

The figures are from the National Association of Vehicle Manufacturers (Anfavea). "We work with 10% industry and 15% lower than last year. What happened in December truck segments were lost here three months, "says Ford's executive.

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