Mortgage interest rates are very attractive vehicle can make you complacent purchase a vehicle. Moreover, advance discount program lauched by a number of finance companies. If you do not think long, you may directly bring the car, and get caught up in financial trouble.
Almost all financial planners as consultants Safir Ahmad Ghozali Senduk and warned consumers to calculate revenues and expenses carefully before deciding to purchase a vehicle.
"Although interest rates tend to be flat vehicle, you must take into account other installment payments, which fluctuate," he said while talking to VIVAnews Ghozali, Wednesday, October 13, 2010.
The fluctuating installment loans such as home ownership (mortgage). Indeed, the current interest rate was low, so your monthly repayments lesser. However, when high interest rates, you must increase the budget. "Nothing like this you should be anticipated."
Ghozali gives tips for installments not heavy, that you have the discipline to allocate a maximum of one third installment of the revenue. So if the husband plus wife's income in a month to Rp30 million, the maximum mortgage you Rp10 million. That includes car payments, house, and others.
Why should a third? "Life is a need for the unexpected. There must be allocated to it," he said. If more than one-third, the economy is very sensitive. When there is a sudden need, the price of goods rises, and high interest rates (for those who have a mortgage), your economy will be easily affected. "Of course you do not want it?" he said.
Ghozali giving records, fine payments to 50 percent of income, provided you have enough savings. So your economy remains stable despite the great need that are abrupt.
Almost all financial planners as consultants Safir Ahmad Ghozali Senduk and warned consumers to calculate revenues and expenses carefully before deciding to purchase a vehicle.
"Although interest rates tend to be flat vehicle, you must take into account other installment payments, which fluctuate," he said while talking to VIVAnews Ghozali, Wednesday, October 13, 2010.
The fluctuating installment loans such as home ownership (mortgage). Indeed, the current interest rate was low, so your monthly repayments lesser. However, when high interest rates, you must increase the budget. "Nothing like this you should be anticipated."
Ghozali gives tips for installments not heavy, that you have the discipline to allocate a maximum of one third installment of the revenue. So if the husband plus wife's income in a month to Rp30 million, the maximum mortgage you Rp10 million. That includes car payments, house, and others.
Why should a third? "Life is a need for the unexpected. There must be allocated to it," he said. If more than one-third, the economy is very sensitive. When there is a sudden need, the price of goods rises, and high interest rates (for those who have a mortgage), your economy will be easily affected. "Of course you do not want it?" he said.
Ghozali giving records, fine payments to 50 percent of income, provided you have enough savings. So your economy remains stable despite the great need that are abrupt.
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