El Monedero: ¿cuánto le costaría realmente tener un carro o una moto?

diciembre 20, 2025

TL;DR

The real cost of owning a vehicle extends far beyond the purchase price.
Fixed annual costs include SOAT (mandatory insurance), vehicle tax, and mechanical-technical reviews.
Variable costs encompass maintenance, fuel, parking, tolls, and cleaning.
Comprehensive insurance (todo riesgo) is recommended for newer or high-value vehicles.
Depreciation significantly impacts a vehicle's value, with cars losing about 15% in the first year and motorcycles potentially losing up to 20%.
Financing costs, including interest rates between 18-20%, and opportunity costs must be considered.
Opportunity cost example: a 70 million peso car could mean a loss of 5.6 million pesos annually if that money were invested elsewhere.

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