{"id":8613,"date":"2020-08-02T19:20:21","date_gmt":"2020-08-03T02:20:21","guid":{"rendered":"https:\/\/finhabits.com\/?p=8613"},"modified":"2023-11-30T09:18:20","modified_gmt":"2023-11-30T17:18:20","slug":"tres-tips-que-te-ayudaran-a-ahorrar-hasta-9000-al-comprar-un-vehiculo","status":"publish","type":"post","link":"https:\/\/www.finhabits.com\/es\/tres-tips-que-te-ayudaran-a-ahorrar-hasta-9000-al-comprar-un-vehiculo\/","title":{"rendered":"Tres tips que te ayudar\u00e1n a ahorrar hasta $9,000 al comprar un veh\u00edculo"},"content":{"rendered":"<p>En Finhabits tenemos como misi\u00f3n ayudarte a desarrollar buenos h\u00e1bitos financieros. Sin embargo, esta vez no hablaremos de inversiones, sino de una compra que muchos consideran necesaria.<\/p>\n<p>Comprar un auto es prioridad de muchos porque es una herramienta \u00fatil, pero es una terrible inversi\u00f3n si consideramos la depreciaci\u00f3n. Por esta raz\u00f3n es importante ahorrarte la mayor cantidad de dinero posible en tu compra.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"\u00bfComprar Auto Nuevo o Usado? | Finhabits\" width=\"800\" height=\"450\" src=\"https:\/\/www.youtube.com\/embed\/BkQcUvRoZv0?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>En su video, <a href=\"https:\/\/www.youtube.com\/watch?v=BkQcUvRoZv0\" target=\"_blank\" rel=\"noopener\">\u00bfComprar Auto Nuevo o Usado? Ah\u00f3rrate $9,000<\/a>, el fundador de Finhabits, Carlos Garcia, habla de tres cosas que debes considerar antes de comprar un auto: la depreciaci\u00f3n, el inter\u00e9s sobre el pr\u00e9stamo adquirido, y el mantenimiento del auto.<\/p>\n<p>A seguir, una comparaci\u00f3n entre una camioneta Ford F-150 doble cabina nueva, y una usada por dos a\u00f1os. Los gastos est\u00e1n proyectados a 5 a\u00f1os, ya que la depreciaci\u00f3n es mayor durante este periodo. Luego de algunos a\u00f1os tanto la camioneta nueva como la semi nueva tendr\u00e1n alrededor del mismo valor.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Por 5 a\u00f1os<\/strong><\/p>\n<p>Nueva $46.000<\/p>\n<p>Semi-nueva $30.000<\/p>\n<p><strong>Total<\/strong><\/p>\n<p><strong>Depreciaci\u00f3n<\/strong><\/p>\n<p>$18.000<\/p>\n<p>$10.000<\/p>\n<p>$8.000<\/p>\n<p><strong>Intereses<\/strong><\/p>\n<p>$7.000<\/p>\n<p>$5.000<\/p>\n<p>$2.000<\/p>\n<p><strong>Mantenimiento<\/strong><\/p>\n<p>$7.000<\/p>\n<p>$8.000<\/p>\n<p>$-1.000<\/p>\n<h4>Depreciaci\u00f3n<\/h4>\n<p>Esta la consideraci\u00f3n m\u00e1s importante sobre el futuro del veh\u00edculo, ya que al salir del concesionario se deval\u00faa un 10%, y hasta un 20% en el primer a\u00f1o. La depreciaci\u00f3n la raz\u00f3n por la que no puede verse un auto como una inversi\u00f3n, la \u00fanica excepci\u00f3n son los autos de colecci\u00f3n. Puedes <a href=\"https:\/\/www.edmunds.com\/\" target=\"_blank\" rel=\"noopener\">calcular la depreciaci\u00f3n<\/a> de tu auto online.<\/p>\n<h4>Intereses<\/h4>\n<p>Estos intereses fueron calculados sobre un pr\u00e9stamo otorgado a una persona con un buen escore crediticio (algo importante a tener en cuenta), y con un enganche del 10%. Esto puede variar dependiendo de d\u00f3nde consigas el cr\u00e9dito.<\/p>\n<h4>Mantenimiento<\/h4>\n<p>Es com\u00fan que muchas personas prefieran comprar un auto nuevo para ahorrarse el mantenimiento del auto, sin embargo, a largo plazo la diferencia no es mucha. Es claro que nuestro ejemplo la camioneta solo tiene dos a\u00f1os de uso as\u00ed que el costo de mantenimiento es menor al de un auto m\u00e1s viejo.<\/p>\n<p>Aun as\u00ed, esta es una muestra de c\u00f3mo puede ahorrarte hasta 9.000 $ en tu compra. Apoyamos la idea de un auto con poco uso porque puedes invertir esos 9.000$ en tu cuenta de ahorro, o la educaci\u00f3n de tus hijos. Un auto solo es una herramienta, y aunque sea tentador querer algo a\u00fan m\u00e1s caro o nuevo para sentir un mayor estatus, en realidad ese estatus es ficticio.<\/p>\n<p>Si est\u00e1s pensando en usar t\u00fa 401 (k) o tu IRA para adquirir un veh\u00edculo te recomendamos que uses tu 401 (K) si tienes un buen contrato con tu empleador. Como el 401 (k) est\u00e1 limitado a tu situaci\u00f3n laboral puedes asesorarte con nosotros para transferir el 401 (k) de tu antiguo trabajo a tu IRA. Para m\u00e1s detalles \u00fanete a Finhabits o descarga nuestra aplicaci\u00f3n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En Finhabits tenemos como misi\u00f3n ayudarte a desarrollar buenos h\u00e1bitos financieros. Sin embargo, esta vez no hablaremos de inversiones, sino de una compra que muchos consideran necesaria. Comprar un auto es prioridad de muchos porque es una herramienta \u00fatil, pero es una terrible inversi\u00f3n si consideramos la depreciaci\u00f3n. Por esta raz\u00f3n es importante ahorrarte la [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-8613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprende-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>3 consejos para ahorrar $9,000 al comprar un auto - Finhabits<\/title>\n<meta name=\"description\" content=\"Ahorra hasta $9,000 al comprar un auto con estos tres consejos. 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Named one of Goldman Sachs\u2019 100 Most Intriguing Entrepreneurs, he is a regular commentator on national television\u2014including Univision and Telemundo\u2014on the financial topics that matter most to middle-income and Latino audiences. He founded Finhabits in 2017 with a mission shaped by personal experience. Growing up between El Paso and Ciudad Ju\u00e1rez, he saw firsthand how hard-working families often lack access to the financial tools they need. After earning a degree in Electrical Engineering and Computer Science from MIT and spending more than 15 years on Wall Street\u2014including at Merrill Lynch\u2014he set out to build a better system. Finhabits became the first bilingual (English and Spanish) SEC-registered digital investment advisor designed to help Latinos invest and save for retirement. Finhabits has helped more than 900,000 people build better financial habits, with over $400 million invested through the platform. Carlos serves as CEO and Founder of Finhabits and sits on the boards of DGI Investment Trust and Verdara. His conviction remains unchanged: if the system is hard to navigate, build a better one. His work focuses on fintech, economic inequality, and Latino wealth-building. He writes about the K-shaped economy and who gets left behind, the untapped potential of Latino communities in wealth creation, how technology can expand access to financial tools, and the structural barriers that prevent families from building generational wealth.","sameAs":["https:\/\/www.finhabits.com\/","https:\/\/www.linkedin.com\/in\/carlosarmandog\/","https:\/\/www.youtube.com\/@CarlosGarciaFinance"],"gender":"male","knowsLanguage":["English","Spanish"],"jobTitle":"CEO & Founder","url":"https:\/\/www.finhabits.com\/es\/author\/carlosfinhabits-com\/"}]}},"_links":{"self":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/posts\/8613","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/comments?post=8613"}],"version-history":[{"count":0,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/posts\/8613\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/media\/8606"}],"wp:attachment":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/media?parent=8613"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/categories?post=8613"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/tags?post=8613"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}