Top 10 Affordable Cars 2024 | Ideal First Car (Budget Friendly)
Summary
TLDRВ этом видео представлен список десяти самых доступных автомобилей в Южной Африке с указанием их стоимости и ежемесячных платежей при кредитовании. Видео также предлагает советы по выбору автомобиля, включая рассмотрение б/у авто, гибких кредитных условий и важные функции, такие как трекер. В конце автор делится личным опытом и советами по покупке первого автомобиля.
Takeaways
- 🚗 В видео представлен список топ-10 самых доступных автомобилей в Южной Африке с указанием их стоимости и ежемесячных платежей при кредитовании.
- 🌟 Водитель видео - N Kumalo - личный финансовый эксперт, создающий контент о финансовом планировании, покупке акций, налогах и дополнительных источниках дохода.
- 🎥 В видео не является финансовыми консультациями, а скорееplaceholders для идей, которые следует размышлять и рассматривать.
- 🚙 Все рассчитанные цены предполагают покупку новых и неиспользованных автомобилей с ручным трансмиссией и базовыми комплектациями.
- 💰 Расчет ежемесячных платежей производится с использованием процентной ставки в 13,75% на 6 лет (72 месяца), без учета страховки и других дополнительных расходов.
- 🥇 Самый доступный автомобиль в списке - Suzuki Espresso с стоимостью в 174 900 Ранд и ежемесячным платежем в 3 674 Ранда.
- 🏢 Важность рассмотрения альтернатив, таких как покупка демонстрационных автомобилей или б/у автомобилей, чтобы снизить стоимость и ежемесячные платежи.
- 💸 Рассмотрение возможности улучшения кредитной истории для получения более выгодных условий кредитования.
- 🚘 Возможность применения разных методов снижения ежемесячных платежей, таких как взнос при покупке, выбор более старой модели или气球支付 в конце срока.
- 🔍 Рекомендация провести тщательный осмотр и проверку при покупке б/у автомобиля, особенно у неофициальных дилеров.
- 📈 В конце видео упоминается возможность получения бесплатной консультации и книги по покупке автомобиля с подробными советам и рекомендациями.
Q & A
Какие факторы учтены при расчета ежемесячных платежей по автомобильным кредитам в видео?
-В расчете ежемесячных платежей учитываются: стоимость автомобиля, кредитная история, процентная ставка (11.75% базовая + 2%), отсутствие первоначального взноса, отсутствие баллон-платежа, финансирование на 6 лет (72 месяца), регистрационный сбор в размере 1 200 рублей, но не учитывается страхование автомобиля, система отслеживания и планы обслуживания.
Какие три автомобиля выделены в видео как самые доступные новинки на рынке Южной Африки?
-Три автомобиля, выделенные в видео как самые доступные новинки, это Suzuki Espresso, Datsun Go и Suzuki Salario.
Какие дополнительные расходы не учитываются в стоимости автомобиля и ежемесячных платежах по кредиту?
-В стоимость автомобиля и ежемесячные платежи по кредиту не включены страхование автомобиля, система отслеживания, планы обслуживания и другие дополнительные расходы.
Какие альтернативные варианты предложены для покупки автомобиля, если основные варианты выходят за пределы бюджета?
-Альтернативные варианты для покупки автомобиля включают покупку демонстрационного автомобиля, покупку б/у автомобиля, изменение процентной ставки при снижении базовой ставки, улучшение кредитной истории, выбор специального банковского счета для молодых профессионалов, внесение первоначального взноса, выбор баллон-платежа или использование финансирования от автосалона.
Какие функции предлагает сервис CarTrack и как они могут быть полезны владельцам автомобилей?
-CarTrack предлагает функции отслеживания и поиска автомобилей в случае экстренной ситуации или угона, а также уведомления о подозрительной активности вокруг автомобиля. Кроме того, наличие системы отслеживания может снизить страховые премии, так как автомобиль имеет дополнительный слой защиты.
Какие три фактора рекомендуется учитывать при выборе автомобиля для покупки?
-При выборе автомобиля для покупки рекомендуется учитывать следующие три фактора: эффективность использования топлива, гибкость в бюджете на случай изменения ежемесячных платежей и рынок запчастей, особенно если автомобиль не является новым.
Какие дополнительные советы автор видео дает покупателям автомобилей?
-Автор видео дает следующие советы покупателям автомобилей: наслаждаться процессом выбора автомобиля, не поддаваться мнениям других людей и не стесняться задать вопросы или провести исследования, если что-то не ясно.
Какие два дополнительных бренда автомобиля были упомянуты в видео в качестве альтернативы основным вариантам?
-В видео упомянуты Mahindra XUV 300 и Kia Picanto в качестве альтернативы основным вариантам.
Какие услуги предоставляет команда CarTrack?
-Команда CarTrack предоставляет услуги по установке системы отслеживания, бесплатной установке удобства пользователя и логбуке для отслеживания деловых и личных пробегов автомобиля.
Какие два способа могут помочь снизить ежемесячные платежи по автокредиту?
-Два способа, которые могут помочь снизить ежемесячные платежи по автокредиту, включают улучшение кредитной истории и внесение первоначального взноса.
Какие два риска могут возникнуть при выборе автомобиля через автосалон?
-Риски при выборе автомобиля через автосалон включают возможность получить автомобиль с высоким баллон-платежем или неблагоприятными условиями финансирования, которые могут быть скрыты в договоре.
Outlines
🚗 Введение и обзор доступных автомобилей
В этом разделе видео автор приветствует зрителей и объясняет, что в.today's видео представлен список 10 самых доступных автомобилей в Южной Африке. Он обещает предоставить общую стоимость каждого автомобиля, а также оценку ежемесячных платежей для покупателей, которые планируют финансовую оплату. Автор называет себя N Kumalo и делится тем, что его видео не являются финансовым советом, а скорее направлены на то, чтобы посадить зрителя в мысли. Он также призывает зрителей подписаться на его канал и поделиться своим контентом, если им нравится его видео.
🚙 Обзор предлагаемых автомобилей и советы по выбору
В данном разделе автор представляет список десяти автомобилей с указанием стоимости и оценки ежемесячных платежей. Он также делится некоторыми альтернативными вариантами для покупки автомобилей, такими как использование демонстрационных автомобилей или покупка б/у автомобилей. Автор обсуждает преимущества и недостатки разных вариантов, а также предлагает советы по выбору автомобиля, такие как учет расхода топлива, гибкость в бюджете, рассмотрение рынка запчастей и наслаждение процессом покупки автомобиля.
🎥 Спонсорство и особенности Car Track
Автор видео благодарит команду Car Track за спонсорство и обсуждает особенности этой системы отслеживания автомобилей. Он упоминает, что Car Track предлагает отличный от других сервисов уровень безопасности, включая функции контроля и уведомления о подозрительной активности вокруг автомобиля. Также автор отмечает преимущества использования Car Track, такие как возможность снижения страховых платежей и предоставление детальной информации о пробеге автомобиля, что может быть полезно для налоговых деклараций.
🚘 Заключение и дополнительные советы
В заключительной части видео автор подводит итоги и предлагает дополнительные советы по покупке автомобиля. Он напоминает о важности учета затрат на топливо, гибкости в выборе автомобиля и необходимости оценки рынка запчастей. Автор также призывает зрителей наслаждаться процессом покупки автомобиля и не обращать внимание на негативные комментарии. В конце видео он предлагает зрителям заглянуть в описание, чтобы получить ссылку на свою книгу с советами по покупке автомобиля и получить Car Track предложение.
Mindmap
Keywords
💡Affordable Cars
💡Personal Finance
💡Interest Rates
💡Monthly Installments
💡Car Tracking
💡Insurance Premiums
💡Demo Cars
💡Credit History
💡Balloon Payment
💡Car Financing
💡Car Replacement Parts Market
Highlights
The video provides a compilation of the top 10 most affordable cars in South Africa.
The total cost price and estimated monthly installment for each vehicle are given.
The video is hosted by N Kumalo, a personal finance creator.
The assumptions used for calculating the costs are clearly stated.
All cars considered are new and unused.
Manual transmission is assumed for all vehicles.
The basic entry-level vehicle for each brand is taken into account.
A prime interest rate of 11.75% is assumed, with an added 2%.
Financing is calculated over a 6-year period.
The Suzuki Espresso tops the list with a cost price of $174,900.
The Toyota AGA is noted for its potential national availability.
Car track is introduced as a sponsoring brand with a recovery rate of over 90%.
Car track offers a car watch feature for added security.
Having a tracking device can reduce insurance premiums.
The video provides alternatives for those out of the price range.
Demo cars and second-hand vehicles are suggested as more affordable options.
A good credit record can lead to a lower interest rate.
Young professionals might receive favorable rates from banks.
Putting up a deposit can significantly reduce monthly installments.
In-house financing from dealerships can offer lower installments but should be investigated carefully.
Consider fuel efficiency when choosing a car.
Buyers should be flexible with their budget for potential changes in installments.
The replacement parts market should be considered, especially for non-brand new cars.
Enjoy the car buying process and don't let others' opinions influence your decision.
Transcripts
new year new year whether you're in the
market to buy your first car or maybe
you're just browsing trying to prepare
yourself for the future whatever the
case may be welcome to today's video
which is a compilation of the top 10
most affordable cars right now in South
Africa I will be giving you the total
cost price of each vehicle as well as an
estimated monthly installment if you are
going to be financing it my name is n
kumalo and I'm super excited to have you
on this channel my name is n kumalo and
I a personal finance Creator some of the
videos I've made include how to buy
shares top 10 affordable cars how to
file your taxes side hustles interviews
you name it I've done it note these
videos do not constitute Financial
advice my aim is to plant the idea it's
up to you to water it and if you enjoy
my content please tip me with a like
comment and
subscription all right so the way I'm
going to do this video is in three easy
steps firstly I'm going to give you the
assumptions that I've used when I was
calculating these amounts number two I'm
going to give you you the rundown of
these CS so brace yourself let's see
what's coming in at number one and
what's coming in at number 10 and then
lastly number three I'll be giving you
Alternatives because some of these cost
prices might seem a bit um you know
absurd so stick around don't worry I
will be telling you how you can get
around this figure if you have a
slightly smaller budget than what I've
told you all right let's get into the
video so my assumptions in this video
are as follows firstly I'm going to
State the cost price so if you're buying
your car completely cash congratulations
you just have to look at that grand
amount however I know most of you do not
have wats of cash lying around so if
you're going to be financing your
vehicle please bear in mind that when
I'm calculating the monthly installment
the following has been considered your
actual price might differ it might be
slightly higher or slightly lower
depending on your credit history so in
my calculations I've used the following
assumptions firstly all of the cars are
new and unused number number two I've
assumed manual transmission for all of
them so no automatics number three I
have chosen the basic entry level
vehicle so there's no rline kits or
customizations or sunroofs it is the
most basic cheapest car you can get from
that range number four I've assumed a
prime rate of
11.75% which is what it currently is in
January 2024 and then I've added 2% so
basically I'll be quoting at an interest
of
13.75% I I've also assumed that you do
not have a deposit and you do not have a
balloon payment uh next I've said that
this vehicle is financed over 6 years so
72 months um and then this amount will
include a registration fee of about
1,200 Grand however it does exclude your
car insurance tracker service and
maintenance plans and all of those other
extras all right coming in at number one
is the Suzuki espresso with a cost price
of
$174,900 R and you're looking to pay a
monthly installment of
3,674 Rand at number two we have the
dutson go so the dutson actually falls
under the Nissan brand and that comes in
at
179,000 Rand with a monthly installment
of
3,758 at number three we have the Suzuki
salario this is
88,9 900 Rand and if you're looking to
finance it you'll be paying
3,960 Rand at number four we have the
Toyota vits this is currently at
189,900 Rand and an estimated monthly
installment of
3,981 so I believe this is a new entry
it's a new car from Toyota so Keen to
see a lot of people who will be driving
these let us know how they treat you
just in case we're also looking number
five we we have the Renault quid coming
in at
192,000
r999 with the monthly installment of
4,044 grand number six we have the
Suzuki Swift coming in at
25,900 r with an estimated monthly
installment of
4,39 Rand number seven we have the
Toyota agya which is
210,00 Grand or you're looking at paying
4,41 R per month interestingly when I
was looking at the Toyota AGA I could
only actually find it in the Durban
Toyota dealership so I'm not sure if
it's actually still nationally available
however don't worry I've also just
inserted the Toyota Starlet if you're
very keen on the Toyota brand the Toyota
Starlet is slightly more expensive it's
coming in at
22,100 Grand with the monthly
installment of
5,255 and and guys when you're buying a
car there are so many things you need to
take into account that sometimes the
small yet crucial items like a Tracker
are at the back of your mind I remember
when I bought my first car in 2020 my
dad introduced me to the car track brand
that he'd been using for many years um
and I was like if my dad can trust him
with all of his many expensive Vehicles
who am I with my little vehicle so I
went with them I'm so glad I trusted my
dad because even at my second car I
automatically chose carart Trek and I
just want to send a shout out to the car
track team and thank them for sponsoring
this video I love working with brands
that I actually use in my everyday life
because I can bring my personalized
feedback to you guys so some of my
favorite features about car track
besides they actually tracking and
retrieving your cars when in an
emergency or hijacking apparently they
also have like a recovery rate of
greater than 90% And this figure has
been extendedly audited so they're not
just saying it so basically if your car
goes missing car trck is more likely to
actually find your car so don't stress
like relax anyways that's not my
favorite feature my favorite feature is
firstly the car watch feature so I know
some of you guys are in your corporate
girly era and you're trying to get your
fashion style up so a lot of you might
be going to Small Street to get your
fashion Bargains or as Jens you might
enjoy chilling at your boy gassi for
that nice shyama whatever the case may
be just remember to always Safeguard
your assets including your vehicle
luckily car track has a feature called
car watch that you can switch on this
feature notifies the car track control
room and tell them to place Special Care
on your vehicle so if there's any
suspicious movement around your vehicle
or even if your vehicle is switched on
car track will call you immediately and
check if you're aware of such movement
actually remember I once went to go do
my nails at a questionable establishment
and I switched on this feature because I
was like you know I'm trying to save 100
Grand on my nails but I'm not trying to
lose my car but anyways when I was done
with my nails I went back to my car I
switched it on and before I could even
put it and drive I got a call I
obviously forgot to sarch off the car
watch feature got a call from car trek
and they're like hey someone's trying to
move your car I was like oh my goodness
it's me it's me but I was also quite
happy about this because I actually got
a chance to test the feature so it's not
like I'm just switching it on for fun I
saw that it actually worked other perks
to look out for relate to your insurance
premium so when you have a tracking
device installed your insurer is likely
to reduce your premiums this is because
you've got an extra layer of security on
your car it's not just insurance and
when you consider the cost of losing
your car versus a car track premium
which is probably going to cost you less
than your next lunch the choice is clear
pricing starts from 99 R per month
however head over to their website so
you get to see the full picture I do
have the link in my description box so
make sure you click on that and let's
continue with the video Oh and before I
forget installation is free the car
track team will actually come to you
wherever it's convenient for you I
remember when I got my second car I was
kneed deeep in busy season so I did not
have a chance to go get it installed the
car track team actually came and
installed the tracking device at my
office parking lot and also guys whilst
I Was preparing for this video sorry
whil I Was preparing for this video I
realized it's a log book feature I
haven't really been you know using that
app cuz I'm like whatever I just go I'm
there to see where my car is but because
I saw the log book feature is there and
you guys know I'm in business now so I
kind of need to know business kilometers
versus personal kilometers um so I will
definitely be using that and that's also
going to help me during tax season
because you know when I'm trying to
claim bag sets and deductions I can just
make use of my log book feature on card
track I don't have to document too much
I can just snap snap snap and I have the
reports ready but anyways don't tell and
put you on car track putting you in
control let's continue with the video
and number eight we've got the Renault
triba this is
$224,999 with the monthly installment of
4,700 also from renal if you're a brand
person reenal Kiger this is
239,900
7 all right at number nine we have the
Kia Picanto this is
235,000 I 10 at
239,900 Grand or a monthly installment
of
4,997 all right so that's your top 10
not sure if you're happy with it not
sure if you're fa made the list or not
but don't worry I do have a couple of
extra cards that I did want to quote
just for your interest so there's the
Mahindra XUV 300 so Mahindra has made
quite a big comeback these last few
months it comes in at
267,464
Cherry too Pro 4 this is
$279,900 or you're looking at a monthly
installment of 5, 823
R and then lastly the polo the polo Vivo
coming in at
29,400 Rand or a monthly installment of
5,44 Rand all right cool if your car
didn't make the list don't stress make
sure you subscribe to this channel
because next week I will be dropping my
top 10 mid luxury cars so maybe your car
will actually feature there if you're
still tuned in drop a comment and let us
know what your first car was and how it
treated you or if you're still looking
to buy your first car drop a comment and
let us know what you're looking at and
hopefully someone in the comments will
be able to give you some form of advice
or recommendation uh relating to your
car because at the end of the day we're
a community and we're all here to help
one another
cool all right guys so now that we're
done with the top 10 cars some of the
prices might be way out of your price
range but don't worry I will give you
Alternatives because you don't always
have to be paying those amount so
firstly you don't have to get a brand
new car okay those are brand new cars
that's why they cost so much you can get
a demo car a demo car is basically a car
that's been used in the dealership where
they use it for test drives or they just
use it to Showcase to other customers uh
so this car countes as secondhand or you
can actually just get a secondhand
number two if the prime rate changes so
the interest rate that I used was prime
plus two if Prime drops which is the
base your installment will also drop I
know over the years Prime has actually
just increase I remember when I bought
my first car Prime was around 7% and now
it's currently at 11.75 so a lot of
people are not happy with the increase
in fact some people have actually had to
give back their cars and also give back
some houses because of how much it has
increased so a lot of us are actually
just hoping and praying that it does
drop other ways of reducing the interest
that you charg is actually having a good
credit record so if you're not sure what
this is I did a video on this so head
over and check that out another option
is if you're someone who left University
and you didn't have much credit on your
name which is expected because you're a
student don't worry we have a young
professionals bank account and this
really helps you because Banks
understand that you're a new person you
probably just entered the job market so
they kind of trust you and they give you
a favorable rate but I will also leave a
link in my description box so that you
can actually apply for your next young
professional bank account another way to
lower your installments is to actually
put up a deposit so for your deposit to
actually makes sense it usually has to
be quite substantial so putting in a
deposit of like 10% or 20% of your
vehicle might actually help reduce your
monthly installment by a lot so just
play around with the finance calculator
and see what actually makes sense next
others will also opt for a balloon
payment which basically means that at
the end of your six years or at the end
of the term of your car you will pay a
lumsum amount so you're saying don't
Factor it into my monthly installment
however I will pay in cash in one go at
the end of the term if you're not sure
about what a balloon payment is or
you're not sure if if it's good or bad
check out another video I made about
balloon payments obviously guys it is
not recommended this is not something
you rush into however some people will
find that they already have a balloon
payment and now they're panicking don't
worry the video will cover what you can
do about your balloon payment and how
you can deal with it cool another option
is you may have in-house financing from
the dealership so maybe if you go to
Hyundai they'll say okay we have Hyundai
financing or VW or ford financing
whatever brand you're going with however
please be very careful and actually look
at the deal you're about to sign because
sometimes they can give you a very
favorable installment so if I've quoted
here and I've said oh a poloo is going
to be 5,500 they can tell you oh don't
worry you only have to pay 3,500 if
something sounds too good to be true you
need to investigate why the reason some
of these dealerships can offer you these
great deals is because they play around
with your financing so just make sure
you're aware of everything you're
signing other way to get a lower amount
is to actually get an older model so
right now I've quoted you on 2023 2024
Vehicles so if you're looking for like a
2019 2020 vehicle
you might find that that is much cheaper
because it is considered old however
with these cars you might not find them
at your reputable dealerships you might
actually find them in smaller
dealerships or like at on cars.co.za
AutoTrader we buy cars whatever the case
may be just remember that when you're
buying such cars especially if they're
secondhand remember that you need to do
so many inspections there's so much more
that you have to do when you're buying a
second car from a company that cannot
offer you any guarantee or warranty so
it's always advisable that you do take
someone who is quite knowledgeable
around cars just to make sure you're not
making a bad
purchase let me just give you my final
parting tips so firstly fuel efficiency
consider this how efficient is the car
because you might find a really
affordable car but it chars a lot of
petrol number two always be flexible so
when you're buying a car do not budget
to the tea if your installment increases
or decreases be able to accept those
changes number three also look at the
replacement parts Market if you can
especially if you're buying a car that's
not brand new and lastly please remember
to enjoy the process this is your car
it's your hard-earned money and do not
allow people with their little comments
about oh there's no boot space here or
oh why this car and not that car because
chances are the person saying this has
probably never bought a car in their
life and if you're really serious about
buying a car and you're still a bit
anxious don't worry I've actually
written a guide book which covers every
single step tips checklist all the
things I wish I had when I bought my
first car but anyway thank you so much
for tuning in my name is n and I have
enjoyed this video I hope you have too
and don't forget to check out the link
in my description box get yourself a car
track quote and see if you're joining
the family like I have bye if you
enjoyed this video please tip me with
the like comment and
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