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Choose which loan package is right for you when buying an Innova car
Hello all friends. Thai here, big Thai Toyota An Thanh here, how are you? How do you feel today? Today Thai will introduce to you, quote you some options to buy Innova car. In front of Thailand, in front of you, this is a 2017 Toyota Innova E with a manual number. Its color is metallic bronze, a color that is very popular with personal and family customers.
What are the strengths of this Innova E? The strength of this Innova car from the past, from the 2006 period already exists, is fuel economy and durability. The third one is low operating costs. That is, changing the oil, warranty, maintenance, spare parts, maintenance is very easy and cheap. Yes, that's the strength, from the strength of this Innova car, one thing is that the purpose of this car is that most customers can use it for business purposes, family use can also be used by the company. yes, the convoy also.
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So today, Thai wants to make this clip to give to those of you who want to start a business, from drivers who want to start a business, or want to give to brothers and sisters who are small families who just bought a car for the first time and like to buy it. That car and you have a need to buy for the company ... Thai wants to make it clear that in this clip Thai wants to consult financial solutions rather than selling cars. Yes, with the Innova 2017 version 2.0 E, this floor number is now available in the city license plate, the provincial license plate will be cheaper than the city number plate. Done with all the paperwork, Thai downloaded all the insurance premiums according to the promotion program in July, August 7… now this car has finished the paperwork for less than eight and a half hundred, Thai just round to eight. one and a half hundred.
In fact, if you come to Toyota An Thanh, I will add to all of you, if you don't lack anything, it is eight and a half hundred. However, if you spend eight and a half hundred, you will probably want to spend eight and a half hundred, most of you want to pay in installments, right! Then the question arises how many options for installment payment? In fact, if the statistics are complete, there are dozens of options for you to choose from, but Thai only mentions here a few options as follows, a few financial solutions as follows:
Then in the cheapest case, you should borrow 80% and pay 20% in advance. With options 80, 20, you only need to spend less than two hundred and fifty million. Two hundred and four Thais rounded up to two hundred and fifty million! Two hundred and fifty million is that you can own an Innova like this with registration number plate, registration, two-way insurance. Oh, do you think it's easy? You will ask what the remaining amount will be, the remaining amount you borrow is equivalent to about six hundred million. With six hundred million, how will you pay? If you pay with the eight year plan then you will pay about 10.3 million for the first month and then it will decrease gradually and this amortization will include interest and principal rather than interest. Ten million three is not interest, guys, rest assured, what if you pay for 5 years? For some people, paying 8 years is too much. How about paying for 5 years?
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If you pay 5 years, each month the amount will definitely be more than 10.3 million. That number is 14 million guys. Some people want Thai advice on whether to choose the short payment plan or choose the long payment plan. This is according to the point of view and financial capacity of each person. If you are just starting a business, according to Thai, you choose a payment plan of 8 years.
So that the financial pressure doesn't come on me after I've been driving for months. Every month you will remember that I pay 10.3 million, then with this Innova, the monthly revenue I run, the lowest I can get 40 million to pay 10.3 million, I feel comfortable. Deducting all expenses, I can make a profit of twenty several million, right! Then I pay 10.3 million, I feel it's comfortable. You should remember that after three years, you will be paid in advance from the 4th year onwards. I borrowed for eight years but from the 4th year onwards, there is no penalty interest anymore, so you have the right to prepay, so why do you insist on a short loan. From the fourth year onwards, there is no penalty, while the second and third years are fined a little. But it's also not significant.
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For example, in the first year, they give you an interest rate promotion. So the first year you join the game, you have money, you stop, people have to get that promotional interest back, so the story that people charge a penalty interest rate somewhere about 3% is also the same. just reasonable. The 2nd year is 2%, the 3rd year is only 1%. Many of you say that the familiar word that uses the word penalty interest makes you feel scared.
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But according to Thai thinking, this is a binding financial solution tool for both borrowers and lenders. If there is no interest rate penalty, the bank can increase your interest rate at any time. But thanks to this penalty interest. It is a tool that is fair play for both parties. Borrowers and lenders. If the bank suddenly increases the interest rate, you can apply this penalty interest clause. Ok, I have a 1% penalty I pay you all the money I take all of them. I took out the cave and I got a loan from another bank that was more competitive than you, right! So please look at this penalty interest rate from a more objective, fairer perspective.
Well according to Thai is like that! Therefore, banks today also need customers and take care of customers. Don't worry that interest rates will increase later on... Every bank wants to keep all customers. So this interest rate is the interest rate that after promotion. Floating interest rates will not increase as bluff as five or ten years ago.
You rest assured. Likewise, I will give you some more solutions. In case I don't want to borrow 80% too much. I want to borrow only 20%, so what? If you want to borrow about 70% and pay 30% in advance, that's fine. In the case that you borrow 70% and pay 30% in advance, you will prepare for Thai 320 million, remember! Oh 320 million that means how much will I borrow. That means you will borrow 527 million. 527 million that means I will pay in 8 years how much will I pay monthly. Yes, 527 million you will pay in the 8 year plan, you will pay about 9 million monthly. Explaining 9 million poured in, you think you remember in the beginning of the video, including the principal interest! What about in 5 years? 5 years is 12 million, yes! So, with the 70, 30 plan, you only need to spend 320 million and you remember every month 9 million for Thailand. The rest Thailand takes care of you.
There are some people who say my financial capacity is strong and I don't want to borrow much, Even they want me to pay cash. For these objects, Thai advises you not to be foolish, but we pay all at once for it. While you have many very good profitable business plans. Then you should choose the 50/50 option ie you borrow with 50 car value. With the 50/50 loan plan, you only need to spend 470 million, then you own the car. The rest you borrow 376 million. With 376 million, 8 years is 6.4/month. So for those with better financial capacity, only borrowing 50% of the car's value, they only pay 6.4 million a month, this is very gentle, right guys, without having to say much when seeing 6.4 million is too little. So what about 5 years? 5 years, only 8.7 million.
Yes, besides at Toyota finance, this 50/50 package has a very nice package that you borrow a little, you pay in a short time and you don't need to pay monthly. Thai is very close to this package for customers with strong finances. That means you spend 470 million and you borrow 376 million of this package for you to borrow for exactly 1 year, but every month you don't have to think about paying interest without worrying about being late. or what. After 1 year, you return to pay and the interest rate is fixed at 8.99%/year. In this 1 year, if the interest rate is changed, you will not be changed. This package has a good thing that you always know your prepayment is how much is the principal and how much is the interest.
In the case of a little more expansion, for example, you say that I borrow for a year but sometimes my needs do not come but I pay in advance, is there a penalty? This question is very interesting with the 50/50 package of Toyota Finance, you have the right to prepay after 6 months and no penalty. Then this is a customer who is struggling between borrowing and not borrowing, that is, if you have enough money, you should join this package. Just now is some information about financial solutions for buying a car.
If you have a need to buy an innova or any genuine Toyota car, Thai is currently working at Toyota An Thanh of a 100% Japanese-owned dealer. Located at 606 Tran Hung Dao, Ward 2, District 5, you can call Thai. Thai phone number is 0919 010 211, remember! My name is big Thai, Toyota sales manager. Looking forward to your comments to make this channel stronger. Sincerely thank you for taking the time to watch this video clip if you see someone. If you have a need, please share this video with them. If you have any questions, you can call Thai at 1 0919 010 as Thai just said or comment below, don't forget to click surbrise or like to receive more good video clips. Sincerely thank.
