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Para encontrarmos o preço a vista do carro, realizaremos os cálculos abaixo:

\(\begin{align} & VP=PMT\cdot \frac{{{(1+i)}^{n}}-1}{{{(1+i)}^{n+x}}\cdot i} \\ & VP=838,54\cdot \frac{{{(1+0,0315)}^{60}}-1}{{{(1+0,0315)}^{60+3}}\cdot 0,0315} \\ & VP=838,54\cdot \frac{{{(1+0,0315)}^{60}}-1}{{{(1+0,0315)}^{63}}\cdot 0,0315} \\ & VP=838,54\cdot \frac{{{(1,0315)}^{60}}-1}{{{(1,0315)}^{63}}\cdot 0,0315} \\ & VP=838,54\cdot \frac{5,4229}{0,222} \\ & VP=838,54\cdot 24,42 \\ & VP=\$20482\\&\\&{{V}_{vista}}=20482+3400\\&{{V}_{vista}}=\$23882,54\\\end{align}\ \)