Hello guys, how are you?? i hope u fine...
so today i want talk about cars and loans. Let's start it :D

If i want to buy a car what i should use? credit cards? installment? or loan? those three are a good choice. i will explain an issue and how to solve it.
You dream to buy a car but you dont have much money to buy it. 
If your income are 5.000.000 IDR, what you should choose to buy the car?
you should calculate your net income in one year :
12 x 5.000.000 IDR = 60.000.000 IDR
Then you Calculate 20% of your annual net income to find your safe debt load:
60.000.000 IDR x 20% = 12.000.000 IDR  
So, you should never have more than 12.000.000 of debt outstanding to buy a car.

If the car price is 200.000.000 IDR, you should choose installment to buy that car. 


Thats all for today thank you, leave a comment guys... :D