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Themba On Wheels
South Africa
Приєднався 21 січ 2018
I'm a Drug Lord by profession & a car fanatic. I do car reviews and also enlighten people about most important information relating to car finance and any other related matter.
What is a Balloon Payment in Car Finance? (Trade-in a car, Selling a car, Shortfall) Good or Bad?
Music by Bensound.com/royalty-free-music
License code: VHYBZZELZ9GOAH63
A Balloon will simply help you with reducing your monthly installments by putting aside a certain portion of money that you will need to pay at a later stage.
Advantage:
Lowers your monthly installments
Can help you budget for your car nicely on monthly basis.
Disadvantage:
You may not have the money to settle it when it is due.
You may end up paying a lot of money in interest, if you decide to pay off your balloon in installments.
There might be a shortfall when you trade in the car or sell it.
When you trade in the short-fall will be added to the new vehicle.
Ways to get done with your balloon.
1. Sell the car
2. Trade-in for another car.
3. Save money and pay it when it is due.
4. Arrange with the bank to pay prior to the agreed period.
5. Arrange with the bank to pay it in installments ( That's if you wont have the money at the time it is due)
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#financialfreedom #cars #financialliteracy #automobile #balloon #carfinancing #cartok #trending #tredningfunnyvideo #buyingacar #myfirstcar #subscribe #subscribers #southafrica #finacialplanning #cherry #havalh6hybrid #jetourx70 #hondaballade #polovivo #polo #volkswagengolf #mercedesbenz #bmw #ford #toyotafortuner #mazda #nissan #hyundai #kia #suzuki #suzukibaleno #jacobzuma #cyrilramaphosa #juliusmalema #floydshivambu #nelsonmandelaquotes #lekompo #luxurycars
#kharismaaudio #shebeshxt #kingmonada #blackcoffee #podcastandchill #kingdavid #popular #india #pakistan #botswana #setswana #business #sepedi
License code: VHYBZZELZ9GOAH63
A Balloon will simply help you with reducing your monthly installments by putting aside a certain portion of money that you will need to pay at a later stage.
Advantage:
Lowers your monthly installments
Can help you budget for your car nicely on monthly basis.
Disadvantage:
You may not have the money to settle it when it is due.
You may end up paying a lot of money in interest, if you decide to pay off your balloon in installments.
There might be a shortfall when you trade in the car or sell it.
When you trade in the short-fall will be added to the new vehicle.
Ways to get done with your balloon.
1. Sell the car
2. Trade-in for another car.
3. Save money and pay it when it is due.
4. Arrange with the bank to pay prior to the agreed period.
5. Arrange with the bank to pay it in installments ( That's if you wont have the money at the time it is due)
Follow me on other Social Media platforms:
Instagram:
thembaonwheels?igsh=MXNlZGNna3FxNTRuOA==
Twitter or X:
x.com/themba_Rf?s=09
Tiktok:
www.tiktok.com/@thembaonwheels?_t=8rUFJH2QJAG&_r=1
#financialfreedom #cars #financialliteracy #automobile #balloon #carfinancing #cartok #trending #tredningfunnyvideo #buyingacar #myfirstcar #subscribe #subscribers #southafrica #finacialplanning #cherry #havalh6hybrid #jetourx70 #hondaballade #polovivo #polo #volkswagengolf #mercedesbenz #bmw #ford #toyotafortuner #mazda #nissan #hyundai #kia #suzuki #suzukibaleno #jacobzuma #cyrilramaphosa #juliusmalema #floydshivambu #nelsonmandelaquotes #lekompo #luxurycars
#kharismaaudio #shebeshxt #kingmonada #blackcoffee #podcastandchill #kingdavid #popular #india #pakistan #botswana #setswana #business #sepedi
Переглядів: 175
Відео
2024 VW Polo Vivo Facelift (Features, Price, Exterior design and Interior)
Переглядів 1,3 тис.12 годин тому
Music by Bensound.com License code: FRLXI7DWJZLHDFRK Polo VIVO Facelift Please note the Price of this has not changed,the despite the changes done on the vehicle. The changes are: 1. Upgraded number 2. Foglights across the range 3. Headlight inserts 4. Vivo lettering position to the center below the logo. 5. Electronic Stability Control, Hill Start Assist and tyre pressure monitoring system. Ch...
2024 Suzuki Baleno 1.5 GL Manual Review (Toyota Starlet, Cost of Ownership, Features, Price)
Переглядів 1 тис.19 годин тому
Music I use: www.bensound.com License code: 1EMHAQO1BUO32OPF The Suzuki Baleno comes with a longer Warranty and Service plan, which is something that you should really opt for. The Starlet XS and the one that Matches the Suzuki Baleno GL but not entirely, the XS starlet does not come with a reverse camera. The Baleno GL has more features that the Starlet XS. Check out the review of the Toyota S...
2024 VW GOLF 8 GTI review (Price, Features, Performance and Cost of Ownership)
Переглядів 1,2 тис.14 днів тому
Volkswagen Golf 8 GTI 180kw and 370Nm Average fuel consumption: 7L/100km Max Top Speed: 250km/h 7 Speed DSG Cruise Control 6 Airbags Keyless entry LED Plus Headlights (IQ Matrix Optional) Panoramic Sunroof (optional) 374L boot space Space-saver spare wheel 10.25Inch Multimedia dispaly, touch sensitive Wireless connection to apple car play and android auto. 10Inch Digital Instrument Cluster Cent...
Brand New Suzuki Fronx GL AUTO | Car Buying Mistakes | Avoid scams | Interest rates
Переглядів 6 тис.14 днів тому
Please do not forget to SUBSCRIBE to my UA-cam Channel, Themba On Wheels. We have finally bought the Suzuki Fronx GL AUTO from iPop Suzuki West Rand. This was after we avoided being scammed by two dealership, please watch the video till the end to get more details. It is very important to request for a discount when you're buying a car, this is to make sure you save some cash. We got a R9000 di...
2024 Mazda 2 1.5 Individual, Dynamic Review | Features | Performance | Pricing |Best cars in 2024
Переглядів 48521 день тому
The Mazda 2 is better than Hyundai i20, looking specifically on the entry level models and what you get with each car. The pricing of the Mazda 2 is not that off comparing it to some its competitors. Entry level Mazda 2 Active: R321 500.00. 85Kw and 148 Nm Entry level i20 Premium Manaul: R309 900.00 61Kw and 114.7Nm Madza2 ✔️Good Performance ✔️Nice balance of features ✔️Mazda is a reliable bran...
2024 VW Golf 8 GTI | Full Review Coming Soon | Performance car | Reliable cars in 2024
Переглядів 79828 днів тому
2024 VW Golf 8 GTI | Full Review Coming Soon | Performance car | Reliable cars in 2024
Honda Ballade RS 1.5 CVT | Honda City | Review | Features | Reliable car in 2024
Переглядів 2 тис.28 днів тому
All thanks to CMH HONDA HATFIELD, PRETORIA. Honda Ballade 1.5 Elegence CVT ua-cam.com/video/qGgNYmntNOE/v-deo.htmlsi=ICWosmmgPExsmaWg Honda Ballade Bronchure www.honda.co.za/cars/ballade
Nissan Magnite 1.0T CVT Acenta Plus | Cheap Car | Review | Features | SUV | Value for money
Переглядів 379Місяць тому
Nissan Magnite 1.0T CVT Acenta Plus | Cheap Car | Review | Features | SUV | Value for money
Shopping for a Suzuki Fronx 1.5 GL Auto | Budget for a Car | Buying a Car cash
Переглядів 1,6 тис.Місяць тому
Follow me on other Social Media platforms: Instagram: thembaonwheels?igsh=MXNlZGNna3FxNTRuOA Twitter or X: x.com/themba_Rf?s=09 Tiktok: www.tiktok.com/@thembaonwheels?_t=8qyt8W2rBSP&_r=1
2024 Polo Vivo Facelift | Review coming soon
Переглядів 530Місяць тому
2024 Polo Vivo Facelift | Review coming soon
Honda Ballade 1.5 CVT Elegance Review | Fuel Consumption | Cheap Cars 2024 | Roadtrip to Cape Town
Переглядів 1,2 тис.Місяць тому
Follow me on other Social Media platforms: Instagram: thembaonwheels?igsh=MXNlZGNna3FxNTRuOA Twitter or X: x.com/themba_Rf?s=09 Tiktok: www.tiktok.com/@thembaonwheels?_t=8qyt8W2rBSP&_r=1
Johannesburg to Cape Town Part 2 | Reliable cars in 2024 | POLO TSI | Honda Ballade
Переглядів 2,9 тис.2 місяці тому
part 1 ua-cam.com/video/CeO1Oa9Szfs/v-deo.htmlsi=Oq3Hqc2E9_n1vvws Follow me on other Social Media platforms: Instagram: thembaonwheels?igsh=MXNlZGNna3FxNTRuOA Twitter or X: x.com/themba_Rf?s=09 Tiktok: www.tiktok.com/@thembaonwheels?_t=8qyt8W2rBSP&_r=1
Johannesburg to Cape Town Roadtrip || Polo TSI Life DSG || Honda Ballade || Fuel Costs || Tollgates
Переглядів 12 тис.2 місяці тому
Follow me on other Social Media platforms: Instagram: thembaonwheels?igsh=MXNlZGNna3FxNTRuOA Twitter or X: x.com/themba_Rf?s=09 Tiktok: www.tiktok.com/@thembaonwheels?_t=8qyt8W2rBSP&_r=1
2024 All New Haval Jolion Pro || Review || Price || would a buy a Haval? #havaljolion
Переглядів 2,9 тис.2 місяці тому
2024 All New Haval Jolion Pro || Review || Price || would a buy a Haval? #havaljolion
Preowned BMW 218i Gran Coupe M Sport || Is it worth buying a Preowned BMW?
Переглядів 1612 місяці тому
Preowned BMW 218i Gran Coupe M Sport || Is it worth buying a Preowned BMW?
New 2024 Ford Puma ST Line Review | Price | Is it Good Value for money?
Переглядів 2022 місяці тому
New 2024 Ford Puma ST Line Review | Price | Is it Good Value for money?
Audi RS3 Sportback | Disnormal boy's Car #audirs3sedan #audi #golf
Переглядів 2263 місяці тому
Audi RS3 Sportback | Disnormal boy's Car #audirs3sedan #audi #golf
New 2024 KIA Pegas 1.4 LX Full Review and Test Drives.#kia #kiario #automobile #sedan #uber #family
Переглядів 2,3 тис.3 місяці тому
New 2024 KIA Pegas 1.4 LX Full Review and Test Drives.#kia #kiario #automobile #sedan #uber #family
Mercedes Benz GLA 200d AMG Interior and walkaround
Переглядів 863 місяці тому
Mercedes Benz GLA 200d AMG Interior and walkaround
Buying a Polo in 2024 || Polo Installments || Polo Life, Polo TSI, Polo GTI. Most Popular Hatchback.
Переглядів 8904 місяці тому
Buying a Polo in 2024 || Polo Installments || Polo Life, Polo TSI, Polo GTI. Most Popular Hatchback.
2024 Ford Ranger Wildtrak V6, Wildtrak X & Tremor.
Переглядів 2,3 тис.4 місяці тому
2024 Ford Ranger Wildtrak V6, Wildtrak X & Tremor.
2024 Jaecco J7 1.6turbo || Cherry || Chinese Car || Is it worth buying? #haval #cherry #automobile
Переглядів 1,7 тис.4 місяці тому
2024 Jaecco J7 1.6turbo || Cherry || Chinese Car || Is it worth buying? #haval #cherry #automobile
Polo GTI vs BMW 3 Series M Sport || Is GTI quicker than 3 series? #automobile #320i #polo #bmw320i
Переглядів 8924 місяці тому
Polo GTI vs BMW 3 Series M Sport || Is GTI quicker than 3 series? #automobile #320i #polo #bmw320i
2024 Haval Jolion 1.5T Super Luxury || SUV || GWM #automobile #haval #havaljolion#cherry
Переглядів 2 тис.5 місяців тому
2024 Haval Jolion 1.5T Super Luxury || SUV || GWM #automobile #haval #havaljolion#cherry
2024 VW Polo Vivo || 1.6 Highline Black Edition (Is it still a budget car?) #automobile #polo #golf
Переглядів 7 тис.5 місяців тому
2024 VW Polo Vivo || 1.6 Highline Black Edition (Is it still a budget car?) #automobile #polo #golf
Great content bro , can't wait for the next video . 👊
Thanks bro. Coming soon. Before end of the week
Idea: "how much must be your credit score be for you to qualify for vehicle finance"
Coming before end of this week..
ah bhuti this is one of the best videos i have watched. thanks for this
thanks brother. Please share with your people on whatsapp
Very informative❤
I'm glad I could shed some light
👊👊🔥👊👊thoughtful
Awe
Content i have subscribed to🔥🔥🔥👊 danki boso
Awe Spitjo💯💯More is coming
Is it possible to pay the extras cash on a financed car? For eg paying the 10k on the spot to keep the value at 308k
Yes. More like doing a deposit.
Okay thanks
Sure boet great review what colour is this.. Is it charcoal Grey? Ey it's very beautiful
I don't think its charcoal grey, maybe just a dark grey. I barely check colours
It’s grandeur grey
@@otshepengselinaletlhake4392 danko😎
Even Honda Civic sadan hardly break?
Some cars hardly break unless you break it yourself😁. My friend bought a 2016 Honda Civic this year, that thing is a whole Kasongo💯
@@ThembaOnWheels yeah I like that car.
I like the 2023 and 2024 model I wish to own one ,one day.
The new face lift look alike with 2017 TSI Model
The Headlights are of the 2015 Polo TSI.
Not Honda catching hands 😢😢😢😢😢
😂They hardly break
This is nice ❤
Great review my brother 🔥🔥 Are those headlights not from the 2015 Tsi? One thing about those Extra added armrests are so weak.. they break within 4yrs….
to think of it now, they're the same
@ yeah man I saw… the Old Vivo on the Video has the headlights of the 1st TSi..
Very informative video. I have a question. How much of a percentage discount should a person aim for when buying cash? (Buying a new car)
Anything for as long as you see it will meet you half way. Sometimes it might not be in monitory value but pay nothing for extras.
Correction: it its style and GT that come with Cruise Control.
My Mann 🎉😅 I believe the style would have the cruise control as that is high line model with the GT? Either way I would be happy to own a previous high line I think it had everything you really need albeit no electric side mirrors and rear electric windows 😢 For the price I get it’s VW you have to pay my Mann 😂I would tick all options 😂 lights and vision package includes auto lights. The Honda most likely will outlive the Polo make no mistake 😅
True, it is style and GT. i made a mistake there
The Life and the GT will be my favourite pick.
I'm telling you about the GT, im uploading it soon
@ 👌🏾
Very nice ❤
nice indeed
What i like about this one is that it's NOT dry, you're telling a story... I can definitely consider buying a Oolo Life DSG after watching this vlog! 🥂💯
That's great to hear, Thank you
Great review, this is definitely going to be my first car.... been looking at it.
It's a good car
Great Review.. I will always advise someone to go for the Suzuki than the Toyota because it gives more features at a less price
true, and longer warranty and Service plan
The Suzuki is really a great offering. Personally I would say that if you going the finance route, rather settle for the Baleno GLX it’s about R27k or so more and you have everything. Don’t forget that the Toyota has the badge so retail value will hold which is also important when it’s time to move up..
I agree, but at this point I think Toyota and other brands are losing it when it comes to small cars and SUVs, the Chinese are taking over the market.
@ yep fully agree but then again Toyota has loyal fans all over the world pricing never stops them
Great video, could you explain more about knowing the size of the tires in next video, I don't understand what the numbers mean
Cool, consider it done
Suzuki is best, na khensa swinene
They're good
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Great review as always 🔥🔥… When you get a chance please review the I20 n line
Sure case I will do it
I own one pure white ladies cry to want sit in the passenger seat😢
02:43 Why do people like Keyless Entry? I mean it's good to have it, but on a Golf GTI and Polo GTI they'll use it to steal the car mos 🤔
I don't like it on any car, makes the car too vulnerable
Get a key signal pouch blocker
The relationships are mostly dissolved because the owner will love the car more than their partner😢😢.
Lol😂
Too many extras 🤦🏽those things who come as standard
yeah. There's too much extra. YT He unfortunate part about German manufactures
“How many relationships were dissolved because of this car” no bro 😂 you will make VW look bad😅 Please review the Honda Civic type R this GTI no bro too high risk 🎉
I will review it. I was in the Car last week.
@ danko my elder look forward to it✍🏾🤞🏾 The only hot hatches I Like is the Focus ST and Honda Civic type R Manual cars especially performance ones are good with manual and they more reliable 😤🤣
@@ozemsadventureofrandomstuf252true. The TYPE R is good
It's not in the top 10 high risk vehicles go research this on google
@@loganpadayachee6048 the stats you're speaking about is quantitative, remember not a lot of people own this car, and thus it will not appear even though it is stollen and hijacked more often. E.g There's a lot of polo vivo, so tracking and insurance companies always have cases of the cars going missing, but there's less owning this car and they can report in the top 10 if the car is stollen, because there's few cases since a lot don't own this.
Be patient, you are growing, na khensa swinene
Ku Khensa mina Tatana
🔥Vrrrrrrrr-phaaaaaa!!!
Proper stuff for the streets
Are there second hand fronxs already?
Yes, A lot. Are you looking for one?
@ no I have it already. Bought in May.
@@ThembaOnWheelsI'm looking
@@charmainetshabalala6555 drop me a WhatsApp text. 0630725688
😂😂😂The villages you passed are towns. After Klerksdorp is Wolmaranstad, a popular pitstop. Then it's Bloemhof, where Pirate's Saleng comes from. Ntoka also plays for Pirates is for om Kimberley. So don't underestimate those towns😂😂
Thanks for info😂😂I was just digressing so we can engage
The manual is the best
5 speed is better. Just that no one wants to be clutching in 2024😂😂
@ I do
Suzuki dealers are always willing to give discounts. They’re fair business operators unlike that other German brand.
I think it goes per dealership...but yeah..Suzuki is good
8:23 Typical polo driver forcing themselves into situations 😂 Great video though💯
Infact we are the wrong ones😂😂😂
@@ThembaOnWheels😂
This was so informative
Thanks Siphiwe
Based on my experience, you can negotiate the extras to a point where you dont even pay a cent towards them. That's how i negotiated my deal in July this year.
It goes both ways, the amount of extras was 10K. And the 9K discount in monitory value covers those extras.
You just asked a discount nje out of the blue?😂.. or there was a fancy negotiations involved?
At first the plan was to buy cash, for R300k....option B was finance, with a deposit, and the discount also helps big times, so if you gave a 50K deposit for example, and you get a 10K discount...that means 60K is off the amount to finance. When you take out R10k, the you will save roughly, R150-R200 interms of installments.
The goal is to match your budget...if it does...then you're good.
Thankyou so much man for replying. ❤.
Hi plz do more review of the second hand market and the look outs cause I think most of us get corned with second hand car buying
Noted, I will do that
Congrats to the driver🎉🎉❤ Learning about finance is very important! I just have this mindset if a car is under R150k buy it cash save and finish it. This was a great car to buy look at how gorgeous it looks! 😂🎉 About the autos we discussing in the comments…These cars were designed overall as city cars and there is a certain way you have to drive auto and cvt otherwise stick to manual. You cannot drive Like you have a gti, where you rushing to?😂 buy a gti to get that. Anyway…cars also when new Are not fuel efficient. You need to wait for the engine to open up so probably after it’s first 15000km service ( I would say least from 45000km) cars start really being efficient as the engine is well run in. Other than that this is a great car I actually want one but that tank is wayyy to small I would rather stick to the RS ballade and Call it a day (and do Uber comfort parttime while at it)😊
That's a great idea actually. And with petrol it will be efficient as compared to the Corolla Quest
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Themba Rihlalmpfu to themba on wheels
Aheee, Mikona kwala😁🔥💯