IPVA e IPTU 2026: À vista ou parcelado? Dicas para equilibrar finanças

IPVA e IPTU 2026: À vista ou parcelado? Veja dicas para equilibrar finanças

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[{"selector":"#anim-a000046d-52d8-4d8c-9cd1-3b3f7c79a04b","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bf0407d3-3cfc-4639-afa2-77472438936f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-61695c9a-d50b-487c-99c7-52615ff595f7","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-19c8e16c-45a0-4a20-b4e9-84719744ac1d","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-dab3a242-0166-49af-af1e-a3b381f4d592 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-36.8790063288317%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Segundo Aline Vieira, especialista da Serasa em educação financeira, a melhor forma de lidar com o pagamento do IPTU e do IPVA varia conforma a situação financeira de cada um. A melhor escolha é a que não comprometerá a saúde financeira da família ao longo do ano Marcello Casal Jr/Agência Brasil

[{"selector":"#anim-98781a4a-e8b9-47fb-bfcc-f318e2c654b0","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0b0cd310-a704-4e1c-af4b-065904c7d56c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a8a211e5-e699-432a-8a6d-3b711cbeb795","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-0f86a6ff-d48e-4b30-b437-274c85b35a28","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-1e8b1555-fd8e-437a-a156-3368a062bc3e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(8.733974120490325%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] A vantagem do pagamento à vista é que na maioria dos estados e municípios existe desconto para quem antecipar o pagamento. Além disso, isso pode trazer mais tranquilidade, eliminando parcelas ao longo do ano José Cruz/Agência Brasil

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[{"selector":"#anim-1420eac5-c031-41e9-80dc-66b6f56e0b39","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3cd0d016-56d6-4b31-bcd5-14ea74076921","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8c32f4ac-3697-46e2-8181-801b06642e9d","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-9e9e1305-b04f-4e7a-80e9-cddc78140378","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-02832397-1efd-4060-8356-c84e98ec4b48 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(57.5120192644841%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] O parcelamento pode ser uma alternativa interessante para quem começa o ano com muitas despesas acumuladas. Nesse caso, parcelar pode diluir esse impacto no orçamento, mantendo o controle financeiro e evitando o uso do crédito mais caro Agência Brasil

[{"selector":"#anim-7229b422-3093-4918-ad9f-a25a57eca799","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5ef719cf-2dd5-498e-87b5-ca9fa1d11260","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c1dcfc22-9787-46a4-a2de-02156f9e8502","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-a3c62088-835f-4a46-83c8-27dbadc6df77","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] “A desvantagem nesse caso é que normalmente não há desconto e é preciso ter disciplina para não atrasar as parcelas, já que as multas e juros podem também pesar no orçamento” Mikhail Nilov/Pexels

[{"selector":"#anim-a4f767d2-0405-4446-9383-7ceb920daf29","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8d59b823-adf1-4559-9a45-5fb9d9c68424","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bdc52ef4-9de6-45db-86b1-08a3ade14de0","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-1c10f3e4-e2c3-4bee-b9e2-09fe7720e580","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d0b7f8e4-147f-4e76-b69a-17594a4cac4c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(33.17307682097181%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Para conseguir realizar o pagamento dos impostos à vista, economistas recomendam guardar, ao longo do ano, um valor mensal destinado à quitação do IPVA e do IPTU José Cruz/Agência Brasil

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