Unless you’re paying cash for a house or car it’s the monthly payment that’s important more than the upfront cost.
I don’t know what the Brazil mortgage market is like, but having a mortgage that’s larger and a keeping your other bills much smaller should be a net win without spending more out of pocket.
Speaking of my country, if you ask for a mortgage you usually have to put at least 20% of the total upfront and the bank can deny it for lack of guarantees or it's too large for your pockets.
So on average people prefer to spend less than spend more and amortizing the difference in the future.
For that reason there's been a quite successful program of State incentives in .y country to install solar panels or increase energy efficiency of buildings so that it would cost people zero or close to zero to upgrade .
Otherwise people would have wait for the prices to drop a lot more than they are right now.
I don’t know what the Brazil mortgage market is like, but having a mortgage that’s larger and a keeping your other bills much smaller should be a net win without spending more out of pocket.