Many people think that buying a new car is just a matter of preparing the amount of money listed in the brochure. However, behind that number, there are a number of additional costs that are often overlooked but must be taken into account. If not, your wallet could be empty as soon as you leave the dealership.

1. The Price of the Car Is Just the Beginning

The vehicle price is indeed the main component, but don't stop there. Each brand and type has a different price depending on the specifications, segment, and features. So, research the market price of your dream car first to find out which one best suits your budget and needs.

2. Motor Vehicle Tax 

Once you own a car, you are required to pay annual taxes. The amount depends on the vehicle's sale value and engine capacity. The larger the engine, the higher the tax. So, make sure you are prepared for this recurring annual expense.

3. Sales Tax on Luxury Goods 

For cars in certain categories, there is an additional Sales Tax on Luxury Goods. But the good news is that some environmentally friendly cars, such as hybrids, usually receive luxury goods tax incentives that make their prices more affordable.

4. Transfer Fee

This is a fee that arises when transferring ownership from the dealer to the buyer. The value varies in each region and also applies to used cars. So, don't be surprised if this fee increases the total price of your car a little.

5. Vehicle Registration Certificate and Vehicle Ownership Certificate Administration Fees

In order for your car to be legally driven on the road, you must take care of the Vehicle Registration Certificate and Vehicle Ownership Certificate. The administrative fees for issuing these documents also vary between regions, so make sure you know the amount so you won't be surprised at the end of the process.

6. Vehicle Insurance

Although not part of the selling price, insurance is a must. There are two main types: All Risk (Comprehensive), which protects against scratches to loss, and Total Loss Only (TLO), which focuses on severe damage or theft. Choose according to your needs and financial condition so you can have peace of mind on the road.

7. Credit Administration Fees

If you buy a car on credit, financing institutions usually charge additional administration fees. Make sure you know the details of the costs and compare between institutions to get the lowest interest rates and installment plans.

8. Down Payment (DP)

Finally, don't forget the Down Payment, also known as DP. It generally ranges from 20-50% of the vehicle price. The larger the DP, the lower the monthly installments. So, prepare your budget from the start so that the installments don't cause you headaches down the road.

Conclusion

Buying a new car is exciting, but it's important to calculate all the costs thoroughly. That way, your financial decisions will be secure and your car ownership experience will be more comfortable without any surprises in the future.

Indonesia 🇮🇩

Ini Komponen Biaya Beli Mobil Baru yang Sering Terlewat!

Banyak orang berpikir beli mobil baru cuma soal menyiapkan uang sesuai harga yang tertera di brosur. Padahal, di balik angka itu masih ada sederet biaya tambahan yang sering terlupakan tapi wajib banget dihitung. Kalau nggak, bisa-bisa dompet langsung megap-megap setelah keluar dari dealer.

1. Harga Mobil Itu Baru Permulaan

Harga kendaraan memang jadi komponen utama, tapi jangan berhenti di situ. Tiap merek dan tipe punya harga berbeda tergantung spesifikasi, segmen, dan fitur. Jadi, riset dulu harga pasaran mobil incaran kamu biar tahu mana yang paling cocok buat budget dan kebutuhan.

2. Pajak Kendaraan Bermotor (PKB)

Setelah punya mobil, kamu wajib bayar pajak tahunan. Besarnya tergantung nilai jual kendaraan dan kapasitas mesin. Semakin besar mesin, makin tinggi pajaknya. Jadi, pastikan kamu sudah siap dengan biaya rutin ini setiap tahun.

3. Pajak Penjualan atas Barang Mewah (PPnBM)

Buat mobil di kategori tertentu, ada tambahan Pajak Penjualan atas Barang Mewah. Tapi kabar baiknya, beberapa mobil ramah lingkungan seperti hybrid biasanya dapat insentif PPnBM yang bikin harganya lebih bersahabat.

4. Bea Balik Nama (BBN)

Ini biaya yang muncul waktu pengalihan kepemilikan dari dealer ke pembeli. Nilainya berbeda-beda di tiap daerah dan tetap berlaku juga buat mobil bekas. Jadi, jangan heran kalau biaya ini bikin total harga mobilmu sedikit naik.

5. Biaya Administrasi STNK dan BPKB

Biar mobil bisa meluncur legal di jalan, kamu harus urus STNK dan BPKB. Biaya administrasi penerbitan dokumen ini juga bervariasi antar daerah, jadi pastikan kamu tahu besarannya biar nggak kaget di akhir proses.

6. Asuransi Kendaraan

Meski bukan bagian dari harga jual, asuransi wajib banget dipertimbangkan. Ada dua jenis utama: All Risk (Comprehensive) yang melindungi dari lecet sampai kehilangan, dan Total Loss Only (TLO) yang fokus pada kerusakan berat atau pencurian. Pilih sesuai kebutuhan dan kondisi finansial, biar tenang di jalan.

7. Biaya Administrasi Kredit

Kalau beli mobil secara kredit, lembaga pembiayaan biasanya mengenakan biaya administrasi tambahan. Pastikan kamu tahu detail biayanya dan bandingkan antar lembaga biar dapat bunga dan skema cicilan paling ringan.

8. Uang Muka (DP)

Terakhir, jangan lupakan Down Payment alias DP. Umumnya berkisar antara 20–50% dari harga kendaraan. Semakin besar DP, makin ringan cicilan per bulan. Jadi, siapkan anggarannya dari awal supaya cicilan nggak bikin pusing di tengah jalan.

Kesimpulan

Membeli mobil baru memang menyenangkan, tapi penting untuk menghitung semua komponen biaya secara menyeluruh. Dengan begitu, keputusan finansialmu tetap aman dan pengalaman memiliki mobil jadi lebih nyaman tanpa kejutan di kemudian hari.