Kami tertarik dengan perkongsian daripada Financial Faiz, berkenaan salesperson kereta Conti yang beriya-iya menyuruh anak muda membeli kereta mercedis , walaupun gaji baru mencecah RM6000 sebulan. Jom kita baca perkongsian beliau di facebook.
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Geram betul aku tengok video2 penjual kereta dekat TikTok ni duk keneng2 suruh budak2 muda beli kereta continental hanya dengan gaji 4 angka. Mercedes A180, harga RM180-220k sahaja dia kata. Dia pun buat lah calculation, “RM6k dah boleh pakai kereta ni”First, that A180 tu ada enjin 1.3L turbo je. Cursory online search shows 0-100 km/h in sub-10-seconds, slow gaban tak worth it for you to pay so much for such a non-performing carAnd then nak beli Mercedes untuk apa je kalau gaji 4-angka? Nak menunjuk dekat siapa? Kalau jadi agent menjual pun tunggu lah dulu sales dah perform baru angkut sebiji contiJangan beli dulu dengan alasan “nanti beli sales performa la, sebab ramai orang nampak aku sukses. Agent pun boleh recruit ramai2″Tapi kalau tak jadi macam mana pula? Business and sales tak ada jaminan. And when that happens you would end up holding onto that 220k liability for the next 9 years with little option to dispose the car without topping up the differenceAku tahu dah memang ada “agency managers” yang suruh budak2 downline dia yang struggle dengan sales untuk beli kereta continental. Kononnya boleh paksa budak2 tu bertambah semangat buat sales; it doesnt always work as planned and these poor sods end up cursing their uplinesOh and this bro cakap pasal On-the-Road (OTR) price of the car and what not, tapi for the yearly insurance dia cakap cuma “RM2,400” je? Dia ‘lupa’ nak sebut for that price kena ada NCD 55%. Most upstanding reviewers like the ones from Wapcar will quote full comprehensinve insurance cost before applying the NCD, sebab different people will have different NCD levelsWithout any NCD, the yearly insurance starts from RM6,000, sebijik gaji kau satu bulan bhai. Bila nak renew insurance tu mula lah terkedek-kedek cari insurance paling murahWindshield insurance kau tak ambil. Special perils (bajir, pokok tumbang etc.) kau tak ambil. If these things happen to your car and insurance tak cover damages mula lah nak bising2. Kalau kau nak berkira-kira when it comes to these important insurance riders, kau sebenarnya tak mampu pakai kereta harga macam ni lahSekali tayar bocor, kena bayar RM800 sebijik mencarut-carut lah kau kat duniaMemang lah bro ni keneng2 kau untuk beli kereta macam ni, but it is up to you to make the best decisions for your own benefit. Bro ni penjual kereta, his self-interest is to sell cars; your self-interest, on the other hand is your financial well-being