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purchase consciously




                       1
purchase consciously




The tool you needed to make your best
deal.




                                        2
purchase consciously



smartBuy is an application for phones and
tablets that helps in making decisions on
financings and negotiations. It improves
your negotiating power providing real time
information for conscious and clever
consumption.

                                             3
How it works
purchase consciously




   Choose your option




                                       4
How it works
purchase consciously




Find out how much you are
actually paying for your
financing…
… how much just in interest ...
… compare with your financial
application and plan pay in cash

                 .. and when negotiating, remember, information is power
                                                                           5
How it works
purchase consciously




Enter data supplied by the seller:

• Amount financed and down
    payment
• Value and amount of installment
• The profitability of your application
    (optional)
Press the calculator and get surprised
                                                         6
How it works
purchase consciously




as possible, opt for cash payment..
..project your money in the future
by providing information and
discover how soon you reaches
your goal …




                                                     7
How it works
purchase consciously




Enter required data:
• The aimed value
• First and follow deposits you intend
    to do
• The profitability of your investment
Press the calculator and discover how
to get there
                                                        8
How it works
purchase consciously




Discover the value of the
installment that fits your pocket
according the time of your debit..
..knowing how much you are
effectively paying, as well as your
balance and negotiate an interest
rate reduction.

                                                     9
How it works
purchase consciously




Enter required data:

• Cash value
• Down payment and the number of
    installments
• Charged interest rate (monthly or
    annually)
If you wish send an e-mail pressing
over result                                          10
How it works
 purchase consciously




Don’t let your home ownership
become a nightmare.
Understand the financing value =
property value + taxes + security
taxes and question what can
and/or must be financed


                                                   11
How it works
purchase consciously



required data:
• property value
• down payment
• number of instalments




                                         12
How it works
purchase consciously



required data (more):
• Life and property insurance
    • They could be fixed or in percentage
        (decrease over the time)
• Administrative fee (monthly)
• equity rate – charged in some
    countries
“CPM – CAM or compare” and choose the
system best fit your pocket
                                                            13
How it works
purchase consciously




Visualize your commitment to
installments in the coming
months..
… free up interest settling the
outstanding balance.
CPM or CAM ?, compare them
with real information

                                                 14
purchase consciously



•   Property additional information
•   Detailed report on HTML format file
•   CSV file, that you can manipulate mortgage
    information using spread sheet software




                                                 15
How it works
purchase consciously




Understand the main features of
smartbuy and clarify your major
doubts ...
... navigate through pages by
dragging them like a book




                                                 16
purchase consciously




• Browse among the features in
   the actionBar
• Analyze your results
   graphically




                                 17
purchase consciously




• Share your information by
   email (pressing on the area of
   results)
• Clarify your doubts on our
   twitter channel
• Suggest new features ..
   criticize .. opine ...

                                    18
purchase consciously



• To send e-mails, ensure your mail
   application is configured correctly
• Developed for Android version 2.2.x
   (Froyo) or higher
• Compatible with tablets and
   smartphones
• Horizontal and vertical settings of
   your screen device

                                         19
purchase consciously




Go straight from your phone or tablet
and search for smartBuy in:
                             https://play.google.com/store




                                                             20
purchase consciously




and remember
“dealers are trained to sell, while consumers
don’t know how to buy”
Let’s change this game..

                                                21
purchase consciously



http://appsmartbuy.blogspot.com.br/

     appsmartbuy@gmail.com                        @appsmartbuy

                       facebook.com/appsmartbuy
                                                                         22

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smartBuy how it works

  • 2. purchase consciously The tool you needed to make your best deal. 2
  • 3. purchase consciously smartBuy is an application for phones and tablets that helps in making decisions on financings and negotiations. It improves your negotiating power providing real time information for conscious and clever consumption. 3
  • 4. How it works purchase consciously Choose your option 4
  • 5. How it works purchase consciously Find out how much you are actually paying for your financing… … how much just in interest ... … compare with your financial application and plan pay in cash .. and when negotiating, remember, information is power 5
  • 6. How it works purchase consciously Enter data supplied by the seller: • Amount financed and down payment • Value and amount of installment • The profitability of your application (optional) Press the calculator and get surprised 6
  • 7. How it works purchase consciously as possible, opt for cash payment.. ..project your money in the future by providing information and discover how soon you reaches your goal … 7
  • 8. How it works purchase consciously Enter required data: • The aimed value • First and follow deposits you intend to do • The profitability of your investment Press the calculator and discover how to get there 8
  • 9. How it works purchase consciously Discover the value of the installment that fits your pocket according the time of your debit.. ..knowing how much you are effectively paying, as well as your balance and negotiate an interest rate reduction. 9
  • 10. How it works purchase consciously Enter required data: • Cash value • Down payment and the number of installments • Charged interest rate (monthly or annually) If you wish send an e-mail pressing over result 10
  • 11. How it works purchase consciously Don’t let your home ownership become a nightmare. Understand the financing value = property value + taxes + security taxes and question what can and/or must be financed 11
  • 12. How it works purchase consciously required data: • property value • down payment • number of instalments 12
  • 13. How it works purchase consciously required data (more): • Life and property insurance • They could be fixed or in percentage (decrease over the time) • Administrative fee (monthly) • equity rate – charged in some countries “CPM – CAM or compare” and choose the system best fit your pocket 13
  • 14. How it works purchase consciously Visualize your commitment to installments in the coming months.. … free up interest settling the outstanding balance. CPM or CAM ?, compare them with real information 14
  • 15. purchase consciously • Property additional information • Detailed report on HTML format file • CSV file, that you can manipulate mortgage information using spread sheet software 15
  • 16. How it works purchase consciously Understand the main features of smartbuy and clarify your major doubts ... ... navigate through pages by dragging them like a book 16
  • 17. purchase consciously • Browse among the features in the actionBar • Analyze your results graphically 17
  • 18. purchase consciously • Share your information by email (pressing on the area of results) • Clarify your doubts on our twitter channel • Suggest new features .. criticize .. opine ... 18
  • 19. purchase consciously • To send e-mails, ensure your mail application is configured correctly • Developed for Android version 2.2.x (Froyo) or higher • Compatible with tablets and smartphones • Horizontal and vertical settings of your screen device 19
  • 20. purchase consciously Go straight from your phone or tablet and search for smartBuy in: https://play.google.com/store 20
  • 21. purchase consciously and remember “dealers are trained to sell, while consumers don’t know how to buy” Let’s change this game.. 21
  • 22. purchase consciously http://appsmartbuy.blogspot.com.br/ appsmartbuy@gmail.com @appsmartbuy facebook.com/appsmartbuy 22