Car Finance Options - (Instalment sale, Lease, Rentals, BMW select & agility)

[@MrMarvinstraight]

Good video, but you are incorrect when it comes to Instalment sale, you own the car, You just also have a loan.

[@MuziSambo]

I think you know exactly what I mean but you just wanna take us down a narrow semantics road. The bank is listed as the title holder in the vehicle certificate, hence after you paid off the car you have to request the NaTIS documents and go do a Change of Ownership at the traffic department. When you go collect "your new car" from the dealership, the RELEASE NOTE states that you’re collecting the car on behalf of the bank.

[@ASMRPRO171]

@@MuziSambo you honestly don’t have to respond to every ridiculous comment. Many people watch your videos to argue, not to understand. Kodwa ke 🚶🏾‍♂️

[@MrMarvinstraight]

@@ASMRPRO171 Why would someone support a channel just to argue? think man!

[@bernardsehlako8376]

@@MrMarvinstraight , You don't own the car till you pay it off.

[@cyberlads28]

Lol 😂 😂

[@DawudTVza]

My weekly dose, im addicted to you baba! Im suppose to be working but here I am !!!

[@sicelimpilokhumalo9281]

Zilethwa uban indaba uma nawe ungapha Leadership?😂😂😂

[@Stannely1]

Lol You also stealing company time? Muzi will have fired stru 🤞🏿

[@sakhilemoon]

Eish this guy 💔🤣🤣🤣🤣

[@pumlamzantsi6818]

Siyafana. I'm so addicted to his videos

[@lancejooste377]

…this BMW, “ages like an avocado 🥑” 😂 Schooled and entertained all at once👌🏼

[@sakhilesandilegule5893]

😂 I agree with you, at face value it doesn't make sense to take up those agility/BMW select finance options. however, most people who buy performance cars, especially in their 20s, aren't planning on keeping those cars for more than 5 years. So if you were to finance a car for 6 years, but in 3-4 years decide you wanna sell your car, like you said especially with BMWs, there's a good chance the value of the car is less than what you owe the bank. so if you decide to sell the car especially through dealerships (ngoba bayarobha), you might sell your car and still end up owing the bank on top of that. Lapho you were paying R15k for a new car, after 3 years you sell it and still owe the bank R100000, so all that money down the drain. The only way to get a best deal is if you do a private sale, and let's be honest, who's gonna buy a 2021 BMW G20 2nd hand from a person, due to risks associated with private sales especially for such an expensive performance car. Most people who afford these cars would rather go through a dealership in order to get finance from a bank. So basically those R15k every month down the drain+R10000(example) on top. it Makes sense to finance a car you're gonna to keep for long, but if you're someone who's not planning to keep a car for not more than 4-5 years or wants a new BMW, those deals are for those people, plus those cars always have a motor/maintenance plan. So one less problem to worry about. But jah, the restrictions they give are a problem.

[@Outwithlerato]

Why didn’t I come across this channel a year ago? It would have saved me a great deal. 😥

[@kwenamedia]

Which car?

[@faustinodomingos4986]

Best car review in South Africa 💯💯💪💪

[@patrickthubakgale4491]

Very informative. I'm addicted to this channel mostly because I had zero knowledge about cars until I started growing some interest in Feb 2022...Rea leboga Mr!

[@tloumoreti4800]

The nice thing about this guy is he doesn't neat around thr bush,he gives content straight away,point to point,no unnecessary digressions,big up bro

[@justicemotloung4584]

This video is so informative. Thank you, Dr Sambo I'm definitely sharing this with friends and family.

[@mkhululimtshali7576]

Car content, in a Mzansi context. Danko🔥

[@BenjaminMalatji247]

"Dream car yokunuka" "how to fry eggs without cooking oil" - moer man nduna!! 😂😂🤦🏽‍♂️

[@sboneloec]

Thank you for car finances 🤝🔥.as you said,”mali yadlaliswa la phandle”..eisha that’s bad.

[@raps7287]

The way say "... with nothing!" I feel it.

[@Sira_MasterOfNone]

😂😂 Informative and entertaining ❤🔥

[@wonder_Tv]

You killing it bro nice educational videos.

[@MrLondon100]

Love your videos Muzi, I like how you make them applicable to real life scenario with a great sense of humour!🙌🙌

[@elizabethbaloyi7179]

Just discovered this channel today and I'm learning alot.

[@realchattv4389]

You’ve made buying a car, both second hand and Brand New , a lot easier. Especially when you give a conclusion if whether or not the cars worth it then jiki jiki you give another alternative

[@BABALWAGUDLA]

I’m supposed to be doing my thesis but here I’m am hooked..Keep up the good work.

[@Kurtmind]

Great great video. Huge fan of your content. From Botswana 🇧🇼 👍🏾👍🏾

[@izeesingo]

Thank you Dr Sambo for adding more time. As always precise and accurate thank you for the information

[@everythingeducationsa5051]

More time 😅

[@jackdaniels8915]

Nice video. Very informative with a bit of humor. Nicely done.

[@muzitwala4785]

Fantastic one Mr Sambo👌🏾👌🏾

[@Stannely1]

Dankie Muzi! 🙌🏾 Watching all the from Los Angeles California 🇺🇲

[@MuziSambo]

😁Ufike njan' lapho?.....🤔

[@Stannely1]

@@MuziSambo Family

[@marschlionoalexander8498]

Excellent video. I bought a VW polo 2010 about 6 years ago. I cancelled my insurance the moment it left the floor. I used that money towards the installment of the car. My insurance was R880 when I started. I managed to settle my car in less than 3 years, using the insurance money towards the car installment

[@shamisomarabwa202]

So you didn't have any insurance on the car?

[@marschlionoalexander8498]

@@shamisomarabwa202 100%. I only took out the insurance, as it was necessary before I can take my car off the floor, but I cancelled it 1 hour later, and have been driving without an insurance. It's just a risk I took, to pay my car off quicker.

[@shamisomarabwa202]

@@marschlionoalexander8498 Alright I see. I also don't have insurance and been driving 5 years now. Risky, but well. Car was bought cash though (second hand)

[@marschlionoalexander8498]

@@shamisomarabwa202 I agree. It's very risky to drive without insurance, but I took the risk and settled my car within 3 year instead of 72 months.

[@tamiadolosi6887]

If you want to make extra monthly payments added to the installment with who do arrange for the extra payment the bank that finances the car or how do you go about it? obviously after the deal is complete.

[@lindokuhlengcamu519]

Very detailed explanation. Guys let's throw a like to the video for the KZbin algorithm. It helps content creators a lot

[@dr.kubayi8154]

Thanks man. I am learning a lot from your videos.

[@thembekaklaas]

I've learned a lot today, thank you for the content🔥🔥🔥🔥🔥🔥

[@guybarnard885]

lol" Age like Avocados" I'm dead 😂😂😂 thanks for the video Muzi

[@rofhiwamabuduga5303]

Thank you somuch, I'm learning alot from your videos by the time I get a car I'll be fully informed. Almost made a mistake of buying a car online but the offer was so ridiculous I walked away, also I didn't know about VAT & wasn't informed, I was surprised to see it added on my offer

[@manyuhahulisani2091]

This has been informative, first day on the channel🔥🔥

[@tsheposhongoane2591]

Love your content and the sneaky reality check shots being fired 😂👌🏾👌🏾

[@nowweknow754]

What a great video, so much information. Thank you Muzi.

[@ExcellentLeoSilinda]

Very informative. Good stuff

[@nicolast.mlambo5693]

I love your videos. I'm still a student and your videos are very informative 👌 by the time I want to buy a car I'm hoping to have all the knowledge

[@Dav973jack]

Should've Covered the Rent to own in this aswell

[@ZoeJack451]

Your channel is life Muzi...I've just subscribed today but i wanna watch all your vedeos....thank you bro

[@thamimpungose1815]

thank so very much for a very informative video. because wow, Im actually looking to buy a car and my budget is 5.5k....keep giving us a good content

[@compton8301]

Very informative! Thank you.

[@khangelamathebula6940]

Thanks for information, it is educational keep up, we need poeple like you my brother

[@mthokozisimchunu7437]

It's possible to settle/return a car bought on BMW select finance before the term ends and without paying anything extra. If you're lucky you could even get something back, especially for people who bought cars pre or during the pandemic when cars were much cheaper.

[@jontatheflame]

Very informative. Enjoying the content brother.

[@MxolisiMashiloane]

Dzamn...I love your content bro, you are dealing with the real staff. Thank you.

[@AluwaniRalineba]

Thank you Muzi, great content as always. Would you please also cover the car subscription option. I heard it is a new thing going on in SA.

[@evansncanana9442]

Thank you very much Bafo, I learnt something here today, that, "and walk away with nothing" really moves me🤣😂🤣😂😂😂

[@molefilebone]

Informative video. Good job.

[@lesediseemela9856]

To those of us with big money 🤣🤣🤣

[@maxlodewyk_na]

Informative content always. Thanks Muzi.

[@jinaratsoma9306]

Your content is addictive, so much advice on Cars and other things(Mjolo, Finance.etc...)

[@buhlesihlali]

I'm a new subscriber and your commentary on the videos got me laughing so hard 😂😂😂🤣🤣🤣🤣nice humour broer yet dropping lots of knowledge on cars👌 😉

[@mlulekideandladla]

I'mma send this to my lady, friends and family who are interested in buying a car. Your channel is informative

[@Mr_V974]

👏👏👏 you are definitely so informative, thank you so much

[@dingulwazihadebe5428]

Love the video , information is spot on 👌🏾

[@theclueless_gamer]

The way you say "And walk away with nothing" while talking about leasing killed me 😂😂

[@BannedBandit97]

You are fast becoming the GOAT.

[@magnify999]

Cooking oil is expensive. I love how you covered this topic.

[@sbu_zwane7]

Another informative video 👌thank thank you bro👍love the humour 😂

[@tshepotheman]

It all boils down to what you want to do with the car and whether you can afford it. Klaar!

[@godsvisitation]

That "Dream car yokunuka" really hit hard!

[@emmanuelmadi]

Please do a Fiat Tipo review. It'll be good to see how it compares against its other hatch competitors

[@johannesn18]

Muzi Sambo, for all your vehicle fincancing needs 💪🏽💪🏽. 💯% as always.

[@simthandilebooi5522]

Wow thanks for the videos I’m learning a lot 🙏

[@wespeakthetruthhere7413]

Please do a detailed review on the latest Mazda CX3, I really love it and I see it a lot in the road. Seems like a very popular car but there’s absolutely nothing from SA about it on KZbin.

[@realebogakgatshe]

" and walk away with nothing " gets me everytime 😭

[@claymcgear7016]

As a newly professional and fresh out of varsity this channel is very useful when buying a car. Thanks so much my brother. Keep up the good work!

[@zandilekhumalo5396]

after this video I need to have a huge talk with my sister who just bought a car that she doesn't even drive thanks Muzi 4 words of wisdom

[@androessiphamandla8892]

thank you , i am waiting for the jaguar fpace review

[@ASMRPRO171]

I think the lease agreement is perfect for someone wealthy who's in the country for 4 years but who's not here for a permanent stay. Maybe you own multiple companies and you are in Mzansi for some time to focus on business, then after 4 years or so you go back to England or wherever

[@Zincebatikana]

But that’s not the case in most cases

[@ASMRPRO171]

@@Zincebatikana you get the picture of what I’m trying to say douche bag

[@electrominiacs1118]

Or you in SA for school

[@tsaki_titan]

The best option is to buy the car, then sell it later.

[@livelindo5593]

Does it have to be 4 years😂

[@luyandandlela206]

I like the videos first then i watch🙌

[@theonly_lesley]

Favorite channel 💯

[@anzaraidani8877]

Brilliant Job. You in a league if your own.

[@ecoexo7693]

If it’s not your channel then I must be addicted to drugs because hhayi uyayishaya into yakho😂🙆🏾‍♂️🔥

[@desmondrammego8720]

Lovely sweet short and to the point....if I may make a request on housing finance please!....wether it be apartments, townhouses or residential. As well as best practices and what to spot and avoid....than you!!

[@kgaugelosebidi1372]

Always the best. This man has SA #Cartwitter shaking. Let's hit 30k subs asap guya. Does Muzi have twitter entlek?

[@NqobiRadebe-zi9uz]

Thanks for sharing

[@dawnnoxolovilakazi4512]

🤣 🤣 The in-between comments also..

[@1Life_To_Live]

Thank you for this informative video 😅

[@sandilendlovu9185]

Muzi bro your podcast is very informative, siyabonga brazo,can you please do a review on a Isuzu D-Max top of the range double cab

[@nomfundompanza54]

Thanks bhuti

[@nhlalukonkovani9738]

Another option that was not mentioned in this video is buying a car through home loan/bond. If you have an existing mortgage, you can apply for additional loan, that will also form part of your home loan. The Bank will give you the cash to buy a new car. The interest for your loan will be the same as your mortgage.

[@lady-leguses0315]

Really?.. when is one eligible for such?

[@matlhogonolomaleka3121]

This was very informative 🔥 How much deposit did you pay to get the R6600 monthly installment?

[@nokukhanyacele5067]

I really wish you were around when I bought my first car.

[@MrBYG]

Awesome video 😉✌️

[@tmashego08]

Googling 'how to fry eggs without cooking oil was the death of me''

[@nemandogudani6696]

Can you please make a review about Golf 7.5 GTI?

[@SiphosamTTheYouTuber]

I’m new and already love it hear🤣🤣🤣🤣

[@nfmatontsi2815]

Aii, dokotela. Nna, I have decided Suzuki swft sport, t cross dsg or polo vivo. Still to decide though betweenthem. As for finance bank is the only way.

[@nthabisengmatsetela8881]

Thank you very much for info

[@luthandomehlomane5623]

The school of cars.

[@rickyv2844]

then you must also gooi petrol... lol. I Love this guy...

[@user-ec8fi6qy7x]

siyabonga Muzi, we learn everyday

[@bernardsehlako8376]

hehehe! :), Dream car you ku nuka.

[@luxolotuswa4670]

The select and agility option are usually for companies that give their bosses/CEO and or top management. Those people would be employed for a period of a short time. For them it makes sense to take these options as they would have an option for the car allowance.

[@Stannely1]

Makes sense...🤔

[@xbusika]

These finance options are now available to everyone. Hence there are so many latest BMs and Mercs on the roads as if they're cheap.

[@odwatshotwana9154]

How much is an installment of a second hand Polo life on a balloon payment?

[@AndileNgema57]

Content🔥

[@siyazzito7495]

Thank you sir 👊❤️

[@MadEasy86]

Very informative BUT...Its the "BMW ages like avocados" and "Dream car yoknuka!!" that keeps me coming back lol

[@MuziSambo]

😁😄I would also love to see you in the court benches when I'm getting sued😂

[@MadEasy86]

@@MuziSambo We will be there in our cars we cant afford with 50% balloon payments still waiting for us in 3 years time!!!

[@RuthlessFocus_]

Good content bro. Keep it up, love from Kenya 🇰🇪

[@uzukozulu3005]

As for cooking " oil is very expensive "🤣🤣🤣🤣🔥🔥🤞🏾

[@sizwenzama3988]

Thanks for the advice sir that BMW select aykhona