With the economy in recession, banks are investing in the technology and in the reduction of interest rates to try to entice consumers who want to purchase a new vehicle and half-new.
Affected by the economic crisis, the sale of cars zero kilometer in 2016 was falling by more than 20% in comparison with the previous year, the worst result since ten years. Already sales of cars half-new the result was not negative, and accumulated a slight increase of 0.21% in comparison with 2015.
In an attempt to reverse this scenario, this week the Bank of Brazil announced a reduction in the interest rate for the auto financing for the customer who do the hiring through the application of the bank for cellular. Another change is that the financing for the purchase of light vehicles with up to two years of manufacture will have the same rates used for the financing of new vehicles.
The expectation of the state-owned bank is to reach R$ 1 billion in this type of loan until the end of the year. "We expect the expansion of credit by means of the convenience that the app provides," he said to the Agency Brazil the principal of Loans, Financing and real Estate Credit from the BB, Edson Pascoal Cardozo.
"In our view, and the studies that we did, [the app] helps a lot because the client has more security in the purchase decision. One client who goes out to search the car and, eventually, think finance, has in the platform and with a few touches of the information of a credit pre-approved to use, he added.
According to the Cardozo, by the application, the customer can make the simulation of the amount of months of the financing and the value of the parcel, for example. "Before, he would have to sit down with a financial agent, and would take more. In 80% of cases the answer has already come out in time. He concluded the proposal and the area in charge already makes the payment to the seller," he said.
The Santander Bank also invests in technology and practicality to enlarge the volume of loans to the sector. "We worked A lot in relation to the customer experience at the point-of-sale and came to the conclusion that he could use the digital tools to improve the shopping experience," said the director of finance, André Novaes.
In the case of Santander, are the dealers and resellers that registered for that use the tool. "If the customer wants a car of R$ 30 thousand, for example, with very little data provided it is possible to already make a pre-analysis of the credit of it. It is possible to give the answer by filling in a few fields. Before, this experience dependida completing 106 customer data. Now, with eight you can already make a pre-analysis," explains Novaes.
"It’s a process greatly simplified: the seller collects the documents of the client in digital form," he added. According to the director of Santander, prior to purchase, consumers have many questions in relation to the availability or not of credit and the use of the application makes this clear.
"He wastes no time in point of sale and the seller also does not lose time. It is a direct dialogue with the client for it to know how is the potential of it to achieve your dream. Before, the process was very bureaucratic and, in some way, inhibited the client at the time of purchase," he argued.
For the president of the Association of the Agencies of Automobiles in the Federal District, Paulo Poli, simplifying the release of the credit facilitates sales and is good for the customer, to financial institutions and resellers.
"Is modernity coming in. Are new means of facilitating the life of who is buying the car and, automatically, this makes it easier for our sale," said Poly. "Everything that comes to speed, make the process more easy, more light becomes more of an item for sale."
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