Tips dan Trik "Membeli Mobil Secara Kredit"

Beberapa di antara Anda mungkin tertarik untuk memiliki mobil pribadi. Entah apakah itu dalam bentuk sedan, minibus, station wagon, bak terbuka, atau apapun itu. Dan mobil, selain lebih memudahkan urusan kita dalam bepergian, baik untuk urusan pekerjaan maupun urusan rumah tangga, juga menghindarkan kita dari risiko kehujanan atau kepanasan.Kebanyakan orang berpikir bahwa membeli mobil tidak serumit membeli rumah. Lagipula apa, sih, susahnya, datang saja ke dealer mobil (Mitsubishi), pilih model yang cocok, kemudian negosiasikan harganya. Beres, kan?Betul. Membeli mobil memang tidak serumit membeli rumah. Tapi, apa yang harus dilakukan setelah membeli mobil itulah yang harus betul-betul diketahui. Ini karena ketika Anda membeli mobil, maka Anda sebetulnya sudah mengikatkan diri pada suatu komitmen jangka panjang.Komitmen pertama adalah komitmen yang berhubungan dengan operasional mobil itu, seperti bahwa Anda harus mengeluarkan uang secara rutin untuk membayar biaya bahan bakarnya, biaya parkir, dan lain sebagainya. Komitmen kedua adalah komitmen yang berhubungan dengan perawatan mobil itu, seperti bahwa Anda harus mengeluarkan uang untuk merawat mobil Anda secara rutin dan mengganti suku cadang setiap beberapa ratus/ribu kilometer sekali. Itu juga butuh biaya yang mungkin tidak sedikit. Komitmen ketiga adalah komitmen yang berhubungan dengan pembetulan kerusakan.Hal yang pertama yang harus dilakukan sebelum membeli mobil adalah dengan mengetahui berapa jumlah dana yang Anda miliki saat ini dan memberi batasan seberapa banyak dari dana tersebut yang dapat dibelanjakan untuk membeli mobil.Untuk pembelian mobil secara kredit maka Anda akan diminta untuk membayar uang muka sebesar jumlah tertentu dari harga mobil, sehingga sisanyalah yang akan dicicil. Setiap dealer mobil biasanya bekerja sama dengan perusahaan leasing untuk menyediakan jasa pembelian mobil dengan kredit.PERSYARATAN KREDIT MOBILTentu saja, membeli mobil secara tunai biasanya akan lebih murah dibanding bila Anda membeli mobil tersebut secara kredit (kredit Mitsubishi). Namun demikian, jika dana Anda tidak mencukupi untuk membeli mobil secara tunai, maka Anda dapat membelinya secara kredit. Untuk mengajukan kredit mobil (Kredit Mitsubishi), maka Anda perlu melengkapi data­data diri Anda sebagai berikut:1. Foto kopi KTP2. Foto kopi Kartu Keluarga3. Foto kopi Akte Nikah, bagi yang sudah menikah4. Foto kopi slip gaji dan Surat Keterangan Bekerja, bagi karyawan5. Foto kopi Buku Tabungan atau Rekening Koran minimal 3 bulan terkahir6. Foto kopi tagihan listrik 1 bulan terakhir7. Foto kopi SPPT / PBB (Surat Pemberitahuan Pajak Terhutang / Pajak Bumi dan Bangunan ) tahun terakhirOh ya, walaupun Anda membeli mobil secara kredit (Kredit Mitsubishi), Anda harus tetap menyediakan sejumlah uang tunai karena ada beberapa biaya-biaya yang harus dibayar di muka, seperti :1. Tanda jadi (booking fee)2. Uang muka (down payment)3. Biaya asuransi mobil4. Biaya administrasiDan mungkin akan lebih bijaksana jika Anda tidak memaksakan diri untuk membeli mobil baru, jika setelah diperhitungkan, ternyata cicilan bulanannya sangat berat untuk Anda. Ini karena pendeknya jangka waktu kredit pada mobil (yang biasanya 1 s/d 3 tahun) membuat jumlah cicilan bulanan mobil akan jauh lebih besar daripada cicilan rumah yang jangka waktunya panjang (bisa sampai 15 tahun). Jika kondisi Anda seperti ini, maka ada baiknya bila Anda mempertimbangkan saja untuk membeli mobil bekas yang kondisinya masih baik.


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  38. terima kasih infonya bray...ane lagi mau coba kredit mobil ni, tapi masih nunggu uang mukanya ckup dulu, soalnya masih kurang dikit ni ;p


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