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@delistuff It's unsecured debt,obviously it's going to be expensive.Just get a credit card much better rates.

@trueform But BMWs are known to breakdown after the maintenance plan ends.Personally I'd think that it's best to cut his losses and get a reliable car even a Toyota,atleast they'll just be dealing with the car installment rather than unexpected costs.Imagine being quoted R45k for repairs?😤

@brandon9 Have you tried Investec?I know that they are very thorough with such.

@sugahani Put it in a government bond and take the 5 year option,you can use that money to pay for transfer fees for your first property purchase it will be about R170k after 5 years.You won't get charged any tax on the interest since it will be below R23k if i remember correctly.