Great insight ❤️ and congratulation on your new car. I also bought a Baleno. All I wanted was a car that would take me from point A to B. So the budget was nothing more than 300k. I didn’t know anything about the Baleno so I was just going to the dealerships looking for a Toyota Startet one salesman from Toyota told me about a Baleno and I started researching it. I realized that their interior and specs are completely the same and the exterior just differs on the facelift but Toyota is more expensive and it has 3 models which are XI, XS, and XR. XS is the middle one it has nice rims but it doesn’t have cruise control nor a rearview camera and its price is 296k. Their top-of-the-range is XR which is exactly like Baleno's top-of-the-range GLX but Toyota is 20k more than Baleno. Baleno has two models that is GL and GLX. GL is the entry level of Baleno but it has cruise control and a rearview camera. I ended up making a well-thought-out decision and sticking to my budget of not exceeding 300k so I got a Baleno GL AT transmission which it's original price was 274 and I negotiated it to 266k. When it comes to the interest rates I was well clued up because I did my research. I applied through the dealership they told me the banks that approved and how much I was going to pay. I asked them to send me the podium and I saw all the figures stipulated. I then negotiated my interest rate but my F&I was not willing to lower it. I then applied to the next dealership and I told them to beat the current rates that I got at the first dealership and they did just that. Now I’m happy with my interest rate, monthly installments, and my car. BTW the full tank is R900 My advice to the first-time buyers. Do your research, do not buy with your emotions, and last but not least ask for advice from your families/friends/mentors who have been in that route. Do not surprise people I know it's nice to do so but when it comes to buying a car you must make a well-informed decision because you might get ripped off
Well done, and thank you for the price of full tank. I've been refilling with R500 whenever it has 3 bars, hence I didn't know the price of full tank. Thank you for watching, and well done on negotiating your interest and retail price of the car down.
OMW, As someone who loves and is obsessed with the Suzuki Baleno and Suzuki Fronx I had to watch this I just saw this video and clicked right away. I can't wait to finish the video
I bumped into this video just at the right time... Girl, my man has been trying to explain all of this to me, and funny enough, I couldn't hear him until I came across this video. I had to go back to him to tell him he was right 😂❤ thank you mama for this, here are your flowers 💐
Congratulations on your new car! 🎉🎉 and thank you so much for this video Zenande as a young professional looking to purchase a vehicle this is so helpful. 😊
Thanks for this video. This is exactly why I would prefer buying a car with cash as opposed to vehicle finance. It mostly ends up resulting in a complete rip off in the end.
Hi Zenande, thank you so much for this, I relate to your content so much. On another video I heard you mentioning you have built your family a house, If you don't mind, could you please make a video sharing how you did it and some of the things to look out for.
Hey! Thank you so much for your comment. I will film and post it next Sunday or in two weeks time. Thank you so much for your support, I really appreciate it.
I was quoted 1.6k and 1.7k by Naked and Prime Meridian for a Baleno GLX. I'm a perfect driver been driving for many years but also got my license in 2020. I agree, you're paying too much. Hopefully you'll get to reduce it by end of year. Very informative video, loved it. 👌🏾
@@Zen_Andeplease, please, please… stay faaaaaaaar away from Prime Meridian. Faaaaaaaaaaaaar away! Immigrate if you must (I used to work in short term insurance)
15:16 the calculate premiums not just on the value of the car but the risk of the car being stolen etc. Try a broker next time as they will get quotes for you. If you go to to many place to get quotes, it affects your credit score. I once had a client who ended up no longer qualifying for a house they were looking for because of this.
The weird thing is that I was thinking about this lady last night. I met her many years ago at Wits Commerce Library and then now her video showed on my UA-cam feed...I didn't even know she had a YT channel. Very weird & shocking. Maybe it's a sign I should start thinking about R100m & it would magically appear on my account. 🤣🤣
@@Zen_Ande I will share a few millions with you once I have manifested my R100m😁. We met 6 years ago. Not sure why you came to my mind. Anyway, keep well!
It's crazy when these things happen - universe is simething else. Lemme tell you - yesterday it was a friend of mine birthday (He is unemployed) and I didn't know that but funny enough I was thinking about him and decided to send him some money with instant money option and when i was sending him the voucher and PIN onWhatsApp I decided to watch his status only to see that it is his birthday - I told him as well but I doubt he will believe it!!!
I am thinking of selling/trading in my GLX in its 3rd yr maybe (we are in year 2) coz at the moment its still so popular so i could still get a good deal for it with Service balance and great mileage just minor body bruises 😅. Will see but I see myself in something different and someone out there is craving a Baleno
@@Zen_Ande ye this guy recently did a video getting quotes for his 2022 GL and he was getting good deals. So imagine a GLX with low mileage and service balance... The aim is to fully own a car without breaking the bank, maybe next time I'll go to the auction house who knows but definitely not paying that Balloon
I drive a Baleno GLX 2022 (got it in 2022). I pay 5.5k i do have balloon. Insurance now is 1.5k (got licence in 2021), this is my second car lost the previous in accident.
@@Zen_Ande around 14%. I had recently settled my previous car via insurance payout and the car was hot on the market 🤷🏻♀️ I could've done better if I waited but I was ohk with what I got. That's why I will trade to avoid the balloon in the end, the next car I will not settle for any offer that leaves me a balloon
@@pinkiedlamini7298 No. I don't have a balloon payment. I am driving a 2024 Baleno GL, and my interest rate is 10.75%, hence I didn't need a balloon payment.
Just some advice. For insurance, use a broker and they will negotiate better rates for you. They will also handle all claims etc. Its so much easier. They know what to say and ask for a better rate
Hi Zenade, how is your experience of the auto transmission? I want to buy the auto as well. Last week I was in a Ciaz auto and to me the sound of the transmission sounded like I could live with it. How is your experience of the transmission?
It's really not my favourite, but it's not bad. If you were happy with Ciaz, baleno shouldn't be an issue. I also bought an automatic. It could be better shame.
Congratulations on your new car. I’ve been searching for a car for almost 2 years now, because like you I have never really had any good reason for a car because work is 4kms away, and I’ve spent most of the time at Suzuki dealerships. I can tell you for free that those salespeople at Suzuki are shady. Once got a quote that’s 10k above the actual price, from a woman ebile. 😂😂😂 Dealerships will rip you off, especially when you are a woman. Also I like the way you pronounce “Baleno” 😅
Hi good info, I know applying for finance can affect the credit score. What is a "bad credit score" that may results in one getting high percentage rate or declined finance?
Hi Congratulations on your car, Is your interest fixed? Did you check Naked during your insurance search they are quite reasonable compared to everyone else
Hey! Thank you. No, my interest is not fixed. I did check Naked. Their excess was more that what King Price offered me, and the monthly installments were similar to what I currently have. I'll definitely check again when I review my insurance.
Hey sisi I would like to know know what’s your excess fee if you lose your keys.. does it stay the same with kingprice cause with budget insurance it apparently changes and their prices are insane 😭
Hi Zendande, do you mind sharing the term of your vehicle finance loan and also if you put up a deposit? Thank you that would provide great insight . ☺️☺️
Hey! I've responded on your DM. I didn't pay the deposit, and the term is 72 months (they took the first payment 3 days after I bought the car, so it's 71).
Yeah, lol this car is lowkey in demand, people have had to wait for months, I also want the Baleno GLX, but I am more open to going to the second hand market, prices are a bit better. A new one can fetch 300k easily
Hey! I use a young professional account. Please have a look at Kgontse's comment below, it should give you a better idea of how to get a lower interest rate.
Vehicle finance. I've heard that it is not advisable to use a normal loan to buy a car. A car is an asset-backed finance, which means, if I were not to pay the installments, they'd take the car. As a result of that, the interest on car finance is generally lower compared to an interest on a normal loan.
The car was discounted, because because it was their year end. I negotiated other costs between the two dealers. I.e, cost of metallic paint, and smash and grab.
Yes👌🏾, I use Hollard I pay R1300 and access is R3000 and I haven’t done an insurance review in 2/3years 🙈 I really don’t know why🤷🏽♀️. 2021 I was bumped at the back Hollard paid no hustle (the guy who bumped me didn’t have insurance 🤔)
There is no taxi from where I stay to the office. There is also no GauBus station. It was either I walk 1.5 km to the taxi rank, or Uber. I chose convenience. If I had no other option, I would have walked, so it was really about convenience.
I honestly don't know. I used a young professional account. Please check other UA-camrs who have spoken about it. Check Nokuhle Kumalo, she has a UA-cam channel, and might have an answer for you
It's my first car. When I asked, they said it is because I don't have insurance history. I am about to ask for a review to determine if I can't get a better premium now that I have months of driving. It is a lot, ngl. Thank you for watching ❤️
Great insight ❤️ and congratulation on your new car. I also bought a Baleno. All I wanted was a car that would take me from point A to B. So the budget was nothing more than 300k. I didn’t know anything about the Baleno so I was just going to the dealerships looking for a Toyota Startet one salesman from Toyota told me about a Baleno and I started researching it. I realized that their interior and specs are completely the same and the exterior just differs on the facelift but Toyota is more expensive and it has 3 models which are XI, XS, and XR. XS is the middle one it has nice rims but it doesn’t have cruise control nor a rearview camera and its price is 296k. Their top-of-the-range is XR which is exactly like Baleno's top-of-the-range GLX but Toyota is 20k more than Baleno. Baleno has two models that is GL and GLX. GL is the entry level of Baleno but it has cruise control and a rearview camera. I ended up making a well-thought-out decision and sticking to my budget of not exceeding 300k so I got a Baleno GL AT transmission which it's original price was 274 and I negotiated it to 266k. When it comes to the interest rates I was well clued up because I did my research. I applied through the dealership they told me the banks that approved and how much I was going to pay. I asked them to send me the podium and I saw all the figures stipulated. I then negotiated my interest rate but my F&I was not willing to lower it. I then applied to the next dealership and I told them to beat the current rates that I got at the first dealership and they did just that. Now I’m happy with my interest rate, monthly installments, and my car. BTW the full tank is R900
My advice to the first-time buyers. Do your research, do not buy with your emotions, and last but not least ask for advice from your families/friends/mentors who have been in that route. Do not surprise people I know it's nice to do so but when it comes to buying a car you must make a well-informed decision because you might get ripped off
Well done, and thank you for the price of full tank.
I've been refilling with R500 whenever it has 3 bars, hence I didn't know the price of full tank.
Thank you for watching, and well done on negotiating your interest and retail price of the car down.
You are welcome. Thank you for your informative videos
I need to buy a car, this is so informative. Thank you so much. I wish I can get your assistance in this process @gontsekutu9532
I have no pressure to own a car - I want to buy mine cash! This is a great insight and thanks for sharing!
Thank you for watching, and all the best ❤️
OMW,
As someone who loves and is obsessed with the Suzuki Baleno and Suzuki Fronx I had to watch this
I just saw this video and clicked right away.
I can't wait to finish the video
Thank you!
I hope you found it informative.
So refreshing to see a lady with a car review channel. I'm loving this. Keep up the excellence. God bless.
You're a wonderful storyteller ... I learned a lot from this video!
Thank you so much for watching ❤️
I bumped into this video just at the right time... Girl, my man has been trying to explain all of this to me, and funny enough, I couldn't hear him until I came across this video. I had to go back to him to tell him he was right 😂❤ thank you mama for this, here are your flowers 💐
Congratulations on your new car! 🎉🎉 and thank you so much for this video Zenande as a young professional looking to purchase a vehicle this is so helpful. 😊
Thank you for watching ❤️
Thanks for this video. This is exactly why I would prefer buying a car with cash as opposed to vehicle finance. It mostly ends up resulting in a complete rip off in the end.
Hi Zenande, thank you so much for this, I relate to your content so much. On another video I heard you mentioning you have built your family a house, If you don't mind, could you please make a video sharing how you did it and some of the things to look out for.
Hey! Thank you so much for your comment. I will film and post it next Sunday or in two weeks time. Thank you so much for your support, I really appreciate it.
Please see the link to the video you requested. I hope you find it informative. Link: ua-cam.com/video/Rsb8GmvDINg/v-deo.html
I was quoted 1.6k and 1.7k by Naked and Prime Meridian for a Baleno GLX. I'm a perfect driver been driving for many years but also got my license in 2020. I agree, you're paying too much. Hopefully you'll get to reduce it by end of year. Very informative video, loved it. 👌🏾
I'm hearing about Prime Meridian for the first time.
Thank you, and thank you for watching ❤️
@@Zen_Andeplease, please, please… stay faaaaaaaar away from Prime Meridian. Faaaaaaaaaaaaar away! Immigrate if you must (I used to work in short term insurance)
15:16 the calculate premiums not just on the value of the car but the risk of the car being stolen etc. Try a broker next time as they will get quotes for you. If you go to to many place to get quotes, it affects your credit score. I once had a client who ended up no longer qualifying for a house they were looking for because of this.
The weird thing is that I was thinking about this lady last night. I met her many years ago at Wits Commerce Library and then now her video showed on my UA-cam feed...I didn't even know she had a YT channel. Very weird & shocking. Maybe it's a sign I should start thinking about R100m & it would magically appear on my account. 🤣🤣
OMG! Hi!
Please manifest millions for me too😂
@@Zen_Ande I will share a few millions with you once I have manifested my R100m😁. We met 6 years ago. Not sure why you came to my mind. Anyway, keep well!
It's crazy when these things happen - universe is simething else.
Lemme tell you - yesterday it was a friend of mine birthday (He is unemployed) and I didn't know that but funny enough I was thinking about him and decided to send him some money with instant money option and when i was sending him the voucher and PIN onWhatsApp I decided to watch his status only to see that it is his birthday - I told him as well but I doubt he will believe it!!!
Wow 252k for a Baleno wow thats a bargain♥️.
Congratulations once again🙏🏽.
Thank you, and thank you for watching ❤️
Hi Zenande, great video, good job
I am thinking of selling/trading in my GLX in its 3rd yr maybe (we are in year 2) coz at the moment its still so popular so i could still get a good deal for it with Service balance and great mileage just minor body bruises 😅. Will see but I see myself in something different and someone out there is craving a Baleno
Baleno has a great resell value. I'm sure you will be able to get a good deal.
@@Zen_Ande ye this guy recently did a video getting quotes for his 2022 GL and he was getting good deals. So imagine a GLX with low mileage and service balance... The aim is to fully own a car without breaking the bank, maybe next time I'll go to the auction house who knows but definitely not paying that Balloon
@@pinkiedlamini7298 Yeah, I saw Muzi's video.
All the best!
@@Zen_Ande definitely taking all the notes
Absolutely love how informative and honest your videos are.🙏🏾🙏🏾✨✨✨
Thank you, and thank you so much for watching.
This was very helpful. Thank you. Congratulations on your purchase🎉🎉.
You're welcome.
Thank you for watching ❤️
I pay R6300😭😭fixed rate no baloon and insurance is crazy but I’m a new driver so I understand.
I drive a Baleno GLX 2022 (got it in 2022). I pay 5.5k i do have balloon. Insurance now is 1.5k (got licence in 2021), this is my second car lost the previous in accident.
If you don't mind me asking, how much is the interest rate?
I would have expected a R5.5k instalment to not have a balloon payment.
@@Zen_Ande around 14%. I had recently settled my previous car via insurance payout and the car was hot on the market 🤷🏻♀️ I could've done better if I waited but I was ohk with what I got. That's why I will trade to avoid the balloon in the end, the next car I will not settle for any offer that leaves me a balloon
@@Zen_Ande I didn't hear your side...do you have. Balloon on your 5k installment or you had deposit? I didn't put any deposit
@@pinkiedlamini7298 No. I don't have a balloon payment.
I am driving a 2024 Baleno GL, and my interest rate is 10.75%, hence I didn't need a balloon payment.
@@Zen_Ande cool that's really great I guess you waited long enough and your things were in order
Just some advice. For insurance, use a broker and they will negotiate better rates for you. They will also handle all claims etc. Its so much easier. They know what to say and ask for a better rate
Thank you. Really appreciate it.
Hi guys! Please see the link to the video that was requested by Emihle. I hope you find it informative. Link: ua-cam.com/video/Rsb8GmvDINg/v-deo.html
Hi Zenade, how is your experience of the auto transmission? I want to buy the auto as well. Last week I was in a Ciaz auto and to me the sound of the transmission sounded like I could live with it. How is your experience of the transmission?
It's really not my favourite, but it's not bad.
If you were happy with Ciaz, baleno shouldn't be an issue.
I also bought an automatic. It could be better shame.
Congratulations on your new car. I’ve been searching for a car for almost 2 years now, because like you I have never really had any good reason for a car because work is 4kms away, and I’ve spent most of the time at Suzuki dealerships. I can tell you for free that those salespeople at Suzuki are shady. Once got a quote that’s 10k above the actual price, from a woman ebile. 😂😂😂
Dealerships will rip you off, especially when you are a woman. Also I like the way you pronounce “Baleno” 😅
I pronounce words in Xhosa, I can't even help myself 😂
Thank you so much for watching ❤️
252k is good in the used market some are going for 200k with 30,000km so the value retention is awesome!
Thanks.
Thank you for watching ❤️
@@Zen_Ande you are welcome
This is very informative ❤
Thank you so much for watching ❤️
Hie Zenande congrats on your purchase🎉. The FRONX is actually a hatch not an SUV😅
Thank you, I didn't know that 😂
Thank you for watching ❤️
@@Zen_Ande you did a nice video there, am also having a Baleno GL A/T from Rivonia 1 month old and a friend is having the Fronx from Rivonia as well😅
@@richardmashange251 well done to us!❤️
Wow, I actually wasn't aware of this, I'm also very much obsessed with the Fronx and Baleno and I'm getting one of them this year🥺
Pride you will never regret
Hi good info, I know applying for finance can affect the credit score. What is a "bad credit score" that may results in one getting high percentage rate or declined finance?
Does it have electromagnetic tailgate? A button to close and open the boot
i love people who are financially wise...no bad financial decisions whatsoever. 😍🥰☺
Thank you for the information. I'm Also looking for a Suzuki.
Thank you for watching.
All the best!❤️
Congratulations on your car and thank you on the information. Very informative
Thank you, and thank you for watching ❤️
Congratulations and thanks for sharing your journey with us🎉❤
Thank you for watching ❤️
This car is my dream enjoy🎉🎉🎉 , i hope i can buy it soon 😊😊
You have just gained a new subie
Loved how you explained everything👌💯
Thank you so much for watching❤
Congratulations Zenande!! 🎉🎉
Thank you, and thank you for watching ❤️
Hi Congratulations on your car, Is your interest fixed? Did you check Naked during your insurance search they are quite reasonable compared to everyone else
Hey! Thank you.
No, my interest is not fixed.
I did check Naked. Their excess was more that what King Price offered me, and the monthly installments were similar to what I currently have.
I'll definitely check again when I review my insurance.
okay cool
Congratulations. At least u were not ripped off.
Thank you, and thank you for watching❤️
Hey sisi I would like to know know what’s your excess fee if you lose your keys.. does it stay the same with kingprice cause with budget insurance it apparently changes and their prices are insane 😭
Hey! I don't think I have that.
The insurance covers everything.
Thank you for watching ❤️
Try the bank you got the loan from. I got insurance that was 600 less than all the other insurance companies were offering.
Thank you.
I never considered that, I will check it out.
Thank you, and thank you for watching ❤️
Hi Zendande, do you mind sharing the term of your vehicle finance loan and also if you put up a deposit? Thank you that would provide great insight . ☺️☺️
Hey! I've responded on your DM.
I didn't pay the deposit, and the term is 72 months (they took the first payment 3 days after I bought the car, so it's 71).
@@Zen_Ande Thank you so much, I’ll check it out. ☺️
Yeah, lol this car is lowkey in demand, people have had to wait for months, I also want the Baleno GLX, but I am more open to going to the second hand market, prices are a bit better. A new one can fetch 300k easily
Easily 😂
It's currently R312k😂
@@Zen_Ande auto or manual?
@@keamogetsweizaac8530 Automatic. Manual is around R300k
@@Zen_Ande yeah, from 275 for the manual to 300k... Yoh 🫨😭. Good car though
@@keamogetsweizaac8530 I might be wrong. Please confirm.
Congratulations on your car 🎉 we have the same one - I have the 2023 model. Best entry level car!
Thank you, and thank you for watching ❤️
It really is the best entry car in South Africa.
Is there a difference between the 2023 and 2024 model
@@brigittemorobise7585 Hey! I don't think there are any significant differences. Just the year in which the car was manufactured.
This was very insightful Zen,enkosi kakhulu for sharing🙏
Thank you for watching ❤️
Loved this. Is it Manual or Automatic transmission?
Hey! Thank you for watching ❤️
It is an automatic.
@Zen_Ande how much is the installment if you don't mind me asking incl insurance?
Hi Zen, Congratulations 🎉🎉🎉🎉
Which garage did you get it from?
Hey! Thank you.
If you mean dealership, it was Rivonia.
Thank you for watching.
@@Zen_Ande thanks sesi
Congratulations onboard the new car 🎉.
Thank you, and thank you for watching
Very insightful chop
Thank you for watching ❤️
Congratulations 🎉🎉 what about it’s warranty?
Thank you.
Warranty is 2 years.
😂you're very strict wena... but this is very informative.
Apparently, I am😂
Thank you for watching ❤️
Awesome video 💯
Thanks, and thank you for watching ❤️
Hey may I which bank gave you prime -1? I’m also in the market for a car and I’m willing to change banks
Hey! I use a young professional account.
Please have a look at Kgontse's comment below, it should give you a better idea of how to get a lower interest rate.
Hey dear, the amount you took is it a loan or vehicle finance?
Vehicle finance.
I've heard that it is not advisable to use a normal loan to buy a car.
A car is an asset-backed finance, which means, if I were not to pay the installments, they'd take the car.
As a result of that, the interest on car finance is generally lower compared to an interest on a normal loan.
@@Zen_Ande thanks,it makes sense.
@@siphelomagangana6640 you arw welcome, and thank you for watching❤️
thank you for the information 🙏
You are welcome. Thank you for watching ❤️
A very informative video! Thank you so much.
Did you negotiate from the original price to R252k or that's what they offered you for the car?
The car was discounted, because because it was their year end.
I negotiated other costs between the two dealers. I.e, cost of metallic paint, and smash and grab.
Try getting an insurance quote from Hollard insurance
Thanks. Will do.
Yes👌🏾, I use Hollard I pay R1300 and access is R3000 and I haven’t done an insurance review in 2/3years 🙈 I really don’t know why🤷🏽♀️.
2021 I was bumped at the back Hollard paid no hustle (the guy who bumped me didn’t have insurance 🤔)
@@thulisilegumede8060 Thank you. I'll definitely check them out.
Taking an Uber to work on a daily is crazy business. Ubungagibeli ngani i taxi or i bus mama?
There is no taxi from where I stay to the office. There is also no GauBus station.
It was either I walk 1.5 km to the taxi rank, or Uber. I chose convenience.
If I had no other option, I would have walked, so it was really about convenience.
Thank you for watching ❤️
Which bank do you use?
🦓
Two banks offered me 18% interest rate, my credit score was 652
i still dont understand why 😭
Did you ask why?
❤❤❤❤
Thank you for watching ❤️
That bank is ABSA mos def
Are you using ABSA?
If yes, it is a professional account or a normal bank account.
Car insurance u pay how much lala❤❤
Hey! R1.7k
Okk hun❤❤
How much does petrol cost u monthly?
R1 000 - R1 500
No balloon payment?
Hey!
Yes, no balloon payment.
What is a franz?
Suzuki Fronx
It's a Suzuki Fronx
The insurance process is the worst 😩
Yho! I hated every minute of it.
How does one build credit score?
I honestly don't know. I used a young professional account.
Please check other UA-camrs who have spoken about it. Check Nokuhle Kumalo, she has a UA-cam channel, and might have an answer for you
@@Zen_Ande Thank you so much. Ill definitely check it out!
@@Sello_21 All the best!
Sim contract
Clothing accounts e.t.c
I'm not a qualified advisor
Single ?❤ ngicela uklobola
Apparently, it costs R70 to get married at Home Affairs. Let's meet and get married 😂❤️
😂
So much insurance for such a cheap car😢. I pay 2.2 for a car close to a million. Why are they tipping people off like that
It's my first car.
When I asked, they said it is because I don't have insurance history. I am about to ask for a review to determine if I can't get a better premium now that I have months of driving.
It is a lot, ngl.
Thank you for watching ❤️
Yooo your eyes 🔥are so beautiful
Thanks, and thank you for watching ❤️
6k a month for Uber😮
I know!💀
I know what you me