Vince Rapisura 2497: Secrets revealed: Paano makatipid up to 60% sa bagong sasakyan
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00:00.0
My out-of-the-ordinary advice is to actually buy your car kapag sila ay 3 to 5 years old na second hand.
00:14.0
Pero 600,000 pesos yung advantage nung nag-ipon compared dun sa nag-loan ng sasakyan.
00:22.0
Mildred and Glenn, saan ang gamit ng sasakyan? Para saan?
00:28.0
Ang sa akin dahil sa necessity, kailangan sa trabaho.
00:32.0
To help her go around. Tapos hatid sa batag.
00:36.0
Did you get it as a loan or as a cash?
00:41.0
Marami dito talaga, mga OFW lalo na, diba? Ginagamit niya na status symbol.
00:45.0
Hindi mo na kailangan i-announce sa inyong community na ikaw ay umangat na sa buhay, no?
00:49.0
Te-drive mo na lang yung bago mong sasakyan at yun na yun. Parang, oh, look at me, diba?
00:54.0
Hindi mo kailangan. No need to explain.
00:56.0
Ito yung mga dahilan how cars keep you poor.
00:58.0
Unang-una is because of high depreciation.
01:01.0
Pangalawa is yung interest on the car loan.
01:04.0
Mataas din yung repairs and maintenance cost. Mataas pa ang gasolina.
01:08.0
May parking. It's not a productive asset. May insurance ka pang babayaran.
01:12.0
May car washing and detailing.
01:14.0
If you got your car for as a loan, ang mangyayari kasi dyan,
01:20.0
nagbabayad ka ng depreciation, paano ba nagde-depreciate yung car?
01:24.0
To put it on a more graphical, so meron kang 1 million pesos.
01:30.0
So after 1 year, paglabas mo ng casa, 100,000 yung natanggal.
01:34.0
Tapos after 1 year, 150,000 yung natanggal. 750,000 mo na lang siya maibibenta.
01:40.0
After 5 years, 61% of the value of the car is lost.
01:45.0
On the 10th year, ganyan na lang. 83. Tapos scrap metal na yan.
01:49.0
On the 20th year.
01:53.0
My out-of-the-ordinary advice is to actually buy your car kapag sila ay 3 to 5 years old na second hand.
02:06.0
Pero of course, sinasabi ko pa lang, uy wag kayong bumili ng bagong sasakyan.
02:09.0
Hindi naman. Sa inyo pa rin yan.
02:11.0
Tinapakita ko lang, ano yung disadvantage kapag brand new yung binili natin?
02:17.0
Noong dati, mahilig ako sa brand new dahil gusto ko yung amoy ng brand new yung sasakyan.
02:22.0
Tumatagal. Talagang nakakaadig.
02:25.0
Pero lately, narealize ko yung sasakyan ko ngayon, second hand eh.
02:30.0
Pero kumuha ka lang ng low mileage.
02:32.0
You can't afford a car if you can't pay it in cash.
02:36.0
Dito sa Pilipinas, binili mo ng brand new, 1 million pesos.
02:39.0
Tapos nilon mo siya for 5 years.
02:42.0
Yung 1 million pesos, mag-i-interest yan ng 400,000 in 5 years.
02:47.0
So 1.4 million talaga yung ibinayad mo dun sa halagang 1 million.
02:51.0
For example, kikita pa yan ng mga, sabihin na natin conservatively, 150,000 yung tinita niya.
02:57.0
Tapos kapag binili mo pa in cash, may discount ka pa na makukuha sa casa.
03:02.0
50,000 pesos. 200,000 na yun.
03:04.0
Plus meron siyang natipid na 400,000 pesos.
03:08.0
So 600,000 pesos yung advantage nung nag-ipon compared dun sa nag-loan ng sasakyan.
03:17.0
Kaya hindi ko carry ang sasakyan na nilo-loan with interest.
03:23.0
Tapos sabihin nila sa akin na parang, ay, ang hirap kaya kapag magpag-iipunan mo.
03:26.0
Hindi ba mas mahirap yung maglo-loan ka?
03:29.0
Additional 400,000 yung babayaran mo.
