Discounts or discounts on car purchases are tempting, especially if you are interested in buying a dream car. Understandably, the price of cars can be said to continue to rise every year, so millions of rupiah discounts will certainly be a sweetener that is sometimes difficult to ignore.
There are even new sales or car dealers who dare to offer discounts and advances of up to Rp. 10 million. For example, a minimum down payment of Rp. 10 million, with these deductions, you only need to pay Rp. 10 million and agree on a credit scheme so that the dream car can be taken home immediately.
Getting a discount that is relatively large up to tens of millions of rupiah, low-cost down payment or light installments, might make you tempted to immediately execute a purchase.
But, it’s good not to be in a hurry, it would be more appropriate if before deciding to buy a car, you weigh the profit and loss first so as not to regret.
Buying a car certainly must be balanced with financial capabilities.
If you really have enough money, instead of buying on credit better cash. That way, you avoid repayment responsibilities.
But if you have to have credit, it is better to pay attention to the amount of the installments each month. The amount of this installment will certainly be added to interest.
Do not let a big peg rather than a pole, or do not get income each month is not worth the cost of the car’s repayments. Later in the middle of the road you cannot continue the installments, the car disappears due to the leasing.
Ideally, the total monthly installment expense is a maximum of 30 to 35 percent of monthly income.
Think of the type of car
Before spending money to pay a down payment, you should carefully consider what type of car suits your needs.
If you are in the city, you can choose a small city car. Whereas those who are married and like road trips can choose an MPV or SUV.
Also choose a car CC that is not large if your needs are actually more functional. Cars with large CC tend to be wasteful of fuel.
Of course you do not want to be sorry because of the wrong choice and purchase of a car that actually does not suit your needs. For example, you already have a family but instead buy a double cabin to bring more goods.
Take advantage of credit calculator
In the current digital era, there is no need to come to the dealer to get information on the price of a new car.
You can get this information online, from prices to monthly installments.
Seva.id for example, which provides various types of the latest cars complete with all the information. This site also has a Credit Calculator feature that can help you determine how much the installment costs you have to pay each month.
The Credit Calculator will calculate the installments to be paid, complete with the length of the installments, starting from 1 year to 5 years
With this feature on Seva.id, you have a more mature plan to manage your finances.
Buy at the right time
One of the best times to buy a car is at the end of the year.
Usually the dealer must spend the rest of the products that have not been sold because the following year will get the availability of the latest assembled cars. To outsmart, dealers also offer cars with low prices, discounts on down payments, discounts, and cash back.
In addition, you can also come to automotive shows. Well, you can use this moment to get a new car at low prices. In fact, it is not uncommon for every manufacturer to launch their new product and will provide special prices for some lucky buyers.
Another advantage of coming to the auto show is that you can immediately do a test drive. You know what it feels like to buy a car.
Remember, regret always comes at the end. Don’t let it be because you can’t pay installments, the types of cars that don’t match, and don’t know your credit scheme are sorry to buy a new car.