A question for the clever guys.





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  1. #1
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    Default A question for the clever guys.

    If you want to buy a decent 4x4 with low kilometers.
    You have no deposit and pay an installment around 5500 what can you look at and price indication.

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    Default Re: A question for the clever guys.

    Quote Originally Posted by fatbike View Post
    If you want to buy a decent 4x4 with low kilometers.
    You have no deposit and pay an installment around 5500 what can you look at and price indication.
    For R5,500 per month, no deposit over 5 years, you're looking at a car for around R250,000... Lots of different vehicles available for that price

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    Default Re: A question for the clever guys.

    Suggest you also consider possible increased insurance and fuel cost. Also, perhaps just look at a buffer in case interest rates increase depending on the term of your finance agreement.
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    Default Re: A question for the clever guys.

    Quote Originally Posted by DevonEllett View Post
    For R5,500 per month, no deposit over 5 years, you're looking at a car for around R250,000... Lots of different vehicles available for that price
    Ok so if I give 10% dep and take 4x4 over 72months.

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    Default Re: A question for the clever guys.

    Quote Originally Posted by fatbike View Post
    Ok so if I give 10% dep and take 4x4 over 72months.
    Looking at a ranger xls

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    Default Re: A question for the clever guys.

    Quote Originally Posted by fatbike View Post
    Ok so if I give 10% dep and take 4x4 over 72months.
    About R300,000

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    Default Re: A question for the clever guys.

    Well, I'm not clever so I'm disqualified.

    DevonEllet was correct.
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    Default Re: A question for the clever guys.

    Quote Originally Posted by fatbike View Post
    If you want to buy a decent 4x4 with low kilometers.
    You have no deposit and pay an installment around 5500 what can you look at and price indication.
    Depends what you consider to be low kms.

    R340 000 over 72 months will cost you R6800 /month.
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    Default Re: A question for the clever guys.

    You could buy my Jeep Wrangler Rubicon Unlimited 3.6L V6 for that!
    Quote Originally Posted by fatbike View Post
    If you want to buy a decent 4x4 with low kilometers.
    You have no deposit and pay an installment around 5500 what can you look at and price indication.


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    Default Re: A question for the clever guys.

    Quote Originally Posted by fatbike View Post
    If you want to buy a decent 4x4 with low kilometers.
    You have no deposit and pay an installment around 5500 what can you look at and price indication.
    What do you see as low kms?
    And what type of vehicle are you looking for? Suv, double cab?

    You can get a very decent amarok for that. But my view about vehicles and low kms might be worlds apart.

    Maybe be more specific.

    What about you give more specifics.
    What type of vehicle are you looking for.
    Type of 4x4ing you want to do.
    Petrol or diesel

    Then people with different vehicles can give you some real world feedback.

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    Default Re: A question for the clever guys.

    Quote Originally Posted by fatbike View Post
    If you want to buy a decent 4x4 with low kilometers.
    You have no deposit and pay an installment around 5500 what can you look at and price indication.
    Work on around R 19,00 per Thousand borrowed. Lets round it off to R 20,00:

    R 250 000 outstanding = (250 x 20) - R 5000/month.

    2 Examples:

    Car costs R 300 000.

    No Deposit?? Outstanding is R 300 000. Thats 300 x 20, = R 6000/Month

    R 100 000 Deposit?? Outstanding is R 200 000, thats 200 x 20 = R 4000/Month.

    This is WITHOUT funny stuff like Future Values (Residuals), etc etc.

    R 20 per R 1000 is a wee bit "bad case scenario"........you can work nearer to around R 18/R 19 per Thousand.
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    Default Re: A question for the clever guys.

    Sorry, to explain a bit more :

    Your Budget is R 5500/Month.

    You pay around R 18 per Thousand.

    That's R 5500 then, divided by R 18,00, that gives you "how many Thousands" your Price can be..........around R 305 000.

    Again, many variables like Interest Rate, how many Months, what extra's you would like to take (extras here being stuff like extended warranties, Life Cover, Shortfall Cover, and a million other "Products"........you're NOT OBLIGED to take any, by the way).
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    Default Re: A question for the clever guys.

    I was thinking/looking at ford ranger d/c 2.2 auto xls 4x4.

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    Default Re: A question for the clever guys.

    Be verrrrrrrrrrrrry careful of falling for a low interest rate instalment but then you MUST finance through So and So...........just saying.
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    Default Re: A question for the clever guys.

    Quote Originally Posted by Petri Oosthuizen View Post
    Be verrrrrrrrrrrrry careful of falling for a low interest rate instalment but then you MUST finance through So and So...........just saying.
    In these uncertain times won't it be better for a fixed interest rate I know it is normally a percent or 2 higher but you never know what will happen.

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    Default Re: A question for the clever guys.

    Quote Originally Posted by fatbike View Post
    In these uncertain times won't it be better for a fixed interest rate I know it is normally a percent or 2 higher but you never know what will happen.
    Be careful with "fixed" interest rates, it doesn't always mean that the actual amount your will pay is fixed, sometimes the product is that yes your monthly payment is a set rate, but if the interest rate goes up then the additional interest accrues and is due at the end of the payment term. Bit of a shafting in that case.
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    Default Re: A question for the clever guys.

    Quote Originally Posted by ColeGP View Post
    Be careful with "fixed" interest rates, it doesn't always mean that the actual amount your will pay is fixed, sometimes the product is that yes your monthly payment is a set rate, but if the interest rate goes up then the additional interest accrues and is due at the end of the payment term. Bit of a shafting in that case.
    Nope, with a "normal" straight forward Agreement, without funnies ( Residual etc etc ), you pay the same amount, every month, for the amount of Months you sign for ( 36/48/60/72/84, etc etc).
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    Default Re: A question for the clever guys.

    Quote Originally Posted by Jeepiscool View Post
    You could buy my Jeep Wrangler Rubicon Unlimited 3.6L V6 for that!
    He said a decent 4x4 ( sorry couldn’t let it go)
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    Default Re: A question for the clever guys.

    Quote Originally Posted by cor View Post
    He said a decent 4x4 ( sorry couldn’t let it go)
    Yes, but then he sayd Ford Ranger...
    Sorry, couldn't let it go.
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    Default Re: A question for the clever guys.

    Quote Originally Posted by fatbike View Post
    I was thinking/looking at ford ranger d/c 2.2 auto xls 4x4.
    I would not go anything beyond 60 months installments on a 2nd hand vehicle, preferably 36 months. Driving a new vehicle of the showroom floor equates to +-20% drop in value, financing 80% vehicle value at anything beyond 48 months (unless you plan to own it for 10 years +), maybe 60 months, is going to to cost you hard earned money
    Last edited by Sebastiaan; 2020/04/05 at 08:36 PM.

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