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20 Tips for Effective Buying a New Car for Beginners!
If you have dreamed of buying a new car but are still constrained by buying it, don't worry.It turns out that many effective tips for buying a new car, especially for those of you who bought the first car, aka still a beginner. See the discussion below!
This article is presented by:
Driving Future
When you live in a city and need transportation every day to commute to work, of course there are 2 alternatives namely public transport or private cars.
Vehicles are really needed, in addition to protecting from the heat of the sun can also protect you from the heavy rain.
Own private car can be obtained with 2 alternatives, namely new cars and used cars. It is true that many prefer to buy a new car because of its quality which is certainly guaranteed and minimizes fraud.
But the disadvantage is of course the price is much more expensive than used cars.
20 Tips for Effective Buying a New Car for Beginners! 02 Couples - My financials [Also Read: Choose Which, Car Loans in Banks or Car Loans in Leasing ? ]
But not all understand about the car and buy the wrong car. Finally, it can't be replaced because when it is sold the price has gone down considerably.
If you are also a beginner in buying a new car, don't worry. Through this article, you will be given 20 effective tips on buying a new car for beginners.
# 1 Research in Choosing a Vehicle
Many people end up in the wrong car because they don't carefully check the specifications.
Usually beginners in buying a car only check the body and engine, or maybe just tempted a cheap price.
In fact, prices are usually one of the indicators of quality that is quite strong. Well, to prevent this, here are some tips on choosing a vehicle:
Choose the type as needed ( city car, SUV, family car , etc.) What are the specifications and quality? Is it just launching or has the quality proven on the market? Is the price worth the quality? Are there other alternatives that are more commensurate? What is the price according to your financial ability? Also pay attention to service costs and spare parts , taxes, and others
Don't let carelessness make you regret, because the price of a car isn't cheap. At least hundreds of millions of rupiah are needed for this type of vehicle.
# 2 Who is the Vehicle for?
The second question you need to ask yourself before deciding to choose a car is "Who is the vehicle for?"
For example, if you are still single, of course, need a different vehicle with those who are married. For example family cars are usually larger in size.
# 3 Prioritizing Safety and Comfort
If you have a family, of course the vehicle is not only limited to protecting yourself from rain and sun. The vehicle chosen must be proven to be safe and comfortable.
For example, the car must be able to accommodate the number of passengers and luggage normally carried.
Want to Know How to Have a Private Car without Credit and Debt 01 - My Financial
Some of the main features of multi-functional vehicles that are often used as family cars include the following:
Large passenger capacity
Spacious cabin size
Comfortable, safe and functional for the family
There are entertainment features (radio or TV) for your baby
# 4 Fuel Consumption (Irrit or Not a Car)
Honestly, of course fuel is one of the main burdens in owning a vehicle.
How come? Fuel costs are increasingly rising, coupled with traffic jams lately, of course the use of fuel is increasingly wasteful.
Thus, it is important to check the fuel consumption of a car before you decide to buy it.
It is true that a car with large power definitely needs more fuel, but check your needs again. Do not let you choose the super -powered car even though the energy needs are not too needed.
# 5 Choosing a Good Design
Apart from its function, the car must also be beautiful. But usually people's tastes about vehicles are different. Some like the type of elegance and luxury, some also like the cute and compact design .
For those of you who are still confused about what kind of vehicle is right for you, try asking again what type of person you are. Also consider the design of the selected car is quite general, so that it can then be sold again at a high enough price.
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# 6 Has Safety and Safety Features
No matter for whom the car is used, alone or with the family, of course security and safety are the main thing. No parents want their children to have an accident right?
Thus, you should check some driving safety features as follows:
Dual SRS Airbags feature (two Supplementary Restraint System Airbags and Driver's Knee Airbags ) Complete seat belt
Auto-lock feature so that children cannot open doors or windows carelessly
Brake features ( Anti Lock Braking System (ABS) and Electronic Brakeforce Distribution (EBD))
With the complete and guaranteed safety and security features, you can drive with your family without feeling anxious and afraid.
# 7 If Credit, Look for Low Down Payment
Cars are indeed classified as an expensive necessity. The price usually ranges from hundreds of millions of rupiah, but not infrequently there are also cars that are worth billions of rupiah.
Therefore, a vehicle loan product (KKB) emerged to facilitate those with limited income.
Well, but unfortunately car loans also require a down payment to be paid at the beginning of the credit.
Thus, always check your financial capacity first and choose a car with a reasonable down payment. Do not let you add debt to pay down credit.
# 8 Choose the stable selling price
Vehicles are usually different from houses, where the lifetime is not too long. Vehicles are generally used for 5 to 10 years. But not infrequently those who change their cars in just 2-3 years.
Want to Buy a Car First Know the Difference between DP and TDP before Buying a Car 01 - My Financial [Also Read: Credit Simulation and Know the 3 Types of Credit Interest You Need to Know ]
The car can experience a price decline of up to 50% when the status is a used car. Therefore, it is highly recommended to look for a public car with a high enough selling price so that you can minimize future losses.
A stable selling price also means that cars are commonly used and are sought after by many people, making it easier for you to offer used cars.
# 9 Search that is Easy to Meet Official Workshop
Certain vehicles, perhaps because of a small amount of interest, result in a small number of official workshops.
Well, if you choose a car, consider also the ease of reaching the official workshop. Because of course you don't want trouble when things are pressed, such as a car breaking down or a broken engine.
With so many official workshops, you are also easier to reach in a state of urgency. In addition, official workshops are certainly safer than ordinary workshops which are not necessarily guaranteed.
# 10 Search the Easy Retrieved Spare Parts his
In choosing the type of car, you must pay attention to the ease of finding spare parts . It aims to anticipate if one day there is damage to the spare pa rt car we drove.
General spare parts are usually easy to find, so that the vehicle repair process can also be done immediately. While foreign spare parts that are difficult to find will result in delays in the repair process.
In addition, it is recommended to always choose the available vehicle spare parts ( original parts ) so that the vehicle is more maintained and maintained in the long run.
# 11 Adequate capacity
As explained in the previous point, when you buy a vehicle you must determine for whom the vehicle is intended.
Thus, you can buy a vehicle that has sufficient capacity for the number of passengers.
Especially if you are a young family, plan how much capacity will be needed later.
# 12 Types of Payment
If you really plan to use the car in the long term and are not easily tempted by the new models that are being exhibited, then you should buy by credit.
You can also buy in cash if the funds are available.
Why, because credit does not mean you are not capable, but shows how to manage your money.
[Calculator] Simulation of Used Cars and New Cars 01 - My Financial
Do not force yourself if your finances are not enough, and credit is legitimate to use if needed. Thus everyday life does not become burdened and can be run normally.
# 13 Determine the Specifications and Completeness
For those of you who want to buy a car, especially for beginners, the most priority thing is that you have to know the shape of the model and its features.
This is one way to find out what you will need can be fulfilled or not.
For example, normally when buying a car is not equipped with carpeting and window film, when both completeness it need not cost you a bit , you know !
Therefore, always ask what is available and negotiate so that you can get a lot of extra things for free.
# 14 Determining the Budget
At present, the average price of a common car is around 200 million rupiah. Is this price in accordance with your budget and financial condition?
It is true that you can use the credit system, but don't forget that there are additional costs in the form of high interest rates.
Not to mention the additional costs described earlier, such as fuel costs and service fees . Have you ever counted the total of all these costs?
Although it seems natural for those of you who work in big cities to have a private car, you need to look back on your financial condition.
If you think the price of the car and all of the extra costs are too heavy, then you should not force yourself because the car is not a primary human need.
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Usually if you impose, the bank or leasing uses a ratio to measure the financial ability of the prospective debtor called the debt ratio . Debt ratio is a comparison between income per month with ongoing credit installments.
The debt ratio determined by the lender usually does not exceed 20% to a maximum of 30%, this is done to anticipate bad credit.
Why is the greater the debt ratio the worse? Because if the ratio is more inclined to debt, then you can be sure you will find it difficult to make ends meet.
For example, when you want to buy a car with an installment of IDR 5 million and want a debts ratio below 20%, don't try to force a car if your income is less than IDR 25 million.
# 15 Don't Forget Sales Taxes and Annual Taxes
If you already know the model and price that are in accordance with your wishes, then you must also pay attention to the Sales Tax on Luxury Goods (PPnBM) and the Annual Tax on the vehicle.
Do not let you forget and later get confused to pay the tax.
In other words, when buying a car, not only the price of the car must be considered, but also other costs that might arise.
# 16 Choosing a Reliable Funding Institution
If indeed you decide to buy a car by credit, another thing that needs to be considered is the credibility of the financing institution. Due to demand it higher, now many irresponsible that offer car loans, but not all of them can be trusted.
There are still many financial institutions that commit fraud, where when you have paid the down payment, the car does not come. Why? Because the money was taken away.
What You Need to Know About Used Car Loans - My Financial Independent Financial Planner
Therefore, always choose a trusted financing institution. Do not trust too much if someone offers a 0% interest rate, because every place has a price difference.
Do a price comparison from place A with place B to make a decision. You can then make a decision through the process of comparing this.
# 17 Choosing Loans with Low Interest Rates
In addition to choosing a low down payment when financially constrained, it is also important to choose credit with a mild interest rate. Remember that the interest usually gives a heavy burden, because it must be paid until the credit is paid off.
High interest rates mean that your long-term burden is also getting bigger. Therefore, always compare one financial institution with another to choose a low interest rate.
# 18 Consider whether there is insurance
If you want to buy a car by credit or installments, you should first ask whether you have obtained vehicle insurance or not.
If so, review the insurance policy to find out the scope of services provided.
Upgrade the policy if needed, so you don't feel loss later.
have car-new-know-benefits-insurance-car-before-buy-02-my finances
# 19 Perform Vehicle Tests
If you want a driving experience before buying a car, you can do a vehicle test or a test drive . Ask the dealer to do a test drive so that you are more confident with your decision.
This test drive is very important because you can feel firsthand how to drive with a dream car, then how it matches your expectations.
So, don't be shy to ask for a vehicle test or a test drive when you want to buy a car!
# 20 Check Features for Your Fruit
If you already have a baby, of course you also need to consider their safety and comfort in driving.
A good family car should provide features to support and make it easier for parents to drive their children.
What features are discussed? Some examples are as follows:
Features of isofix (hook carseat for toddlers)
Child lock or auto lock feature (so children cannot open doors and windows carelessly)
Side air bags feature (for the safety of passengers in the back seat)
Double blower feature (additional air conditioner for rear passengers)
Not Wrong in Choosing a Car
How, does this article give an idea of the needs of your dream car? In conclusion, the decision is entirely in your hands, but you should consider some of the above when going to buy a car.
If this article is useful, it's a shame if your office friends who are also considering buying a new car cannot get useful information like this.
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