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Quarterly Journal of Econometrics Research

June 2016, Volume 2, 1, pp 1-16

Acquisition of Personal Assets Through Loan Bank and Commercial Credit: What’s the Best Option?

Garcia-Santillan, Arturo


Ortigosa-Ortiz, Alexa Andrea


Hernandez-Perez, Sandra Luz


Mora-Montalvo, Noelia


Ramos-Hernandez, Jesica Josefina

Garcia-Santillan, Arturo 1 ,

Ortigosa-Ortiz, Alexa Andrea 1 Hernandez-Perez, Sandra Luz 1 Mora-Montalvo, Noelia 1 Ramos-Hernandez, Jesica Josefina 1 
  1. UCC Business School Universidad Cristobal Colon. Veracruz, Mexico 1

Pages: 1-16

DOI: 10.18488/journal.88/2016.2.1/

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The aim of this paper is to determine the most viable and beneficial scenario for acquire an asset, specifically a car. For this purpose, the amortizations model was used, which is why the corresponding financial simulation in the amortization charts on both scenarios are presented. The results lead us to think that the financing option offered by the car company is the most suitable and beneficial for the client.

Contribution/ Originality
This study contributes in the existing literature about the amortization methods. Its contribution is to demonstrate the most viable option for acquire a car, within Mexican context.


Asset, Banks, Amortization method, Financing, Due payment, Annuity, Car agency.



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