Eugene at CMH Ford Gezina

02/09/2025

💡 Understanding Car Finance | How Interest Rates Work

When you finance a vehicle, your interest rate is one of the biggest factors in your monthly instalment and the total cost over the term. Let’s break it down 👇

1) What is Interest?

Interest is the fee the bank charges you for borrowing money. The higher your rate, the more you pay over time.

2) How is Your Rate Determined?

Banks use risk-based pricing:

✅ Your credit profile (score, affordability, income stability)

✅ The vehicle (new vs used, mileage, demand)

✅ The structure (deposit, balloon %, term)

✅ Whether finance is arranged through the dealer or directly with your bank

3) Fixed vs Linked Rate

Fixed Rate: Your instalment stays the same for the term. Great for predictability, but not always available.

Linked (Variable) Rate: Tied to the prime interest rate. If the repo rate goes up or down, so does your instalment.

4) Discount vs Better Rate

Discount on Vehicle Price: Reduces the total amount financed = lower instalments immediately.

Better Rate: Reduces the interest charged on that amount = often saves more over the long term.
👉 The best option depends on whether you plan to keep the car long-term (rate is better) or upgrade sooner (discount helps monthly).

5) What is DIC?

DIC = Dealer Incentive Commission.
This is commission the bank pays the dealership for arranging finance in-house.

Does it affect your interest rate? Indirectly, yes.

Dealers may have more motivation to push in-house finance because of DIC.

However, your actual rate is still set by the bank, based on your risk profile and the deal structure.

Knowing about DIC means you can ask for transparency and compare offers.

✅ The Big Picture

The ideal is always cash = no interest, no debt.

But for most buyers, finance is the practical route.

The key: know how interest works, compare discount vs rate, and understand DIC so you make an informed decision.

👉 Want me to run the numbers on different structures (linked vs fixed, discount vs better rate) for your next Ford? Drop me a message and I’ll show you the scenarios side by side.

📍 CMH Ford Gezina
📞 Eugene Stander
📲 Call/WhatsApp: 072 930 4334
📧 [email protected]

29/08/2025

🚙 Ford Ranger XLT | The Sweet Spot

When it comes to value, the Ford Ranger XLT is the model that makes the most sense for many buyers:

✅ Available in both 4x2 and 4x4
✅ Packed with the features you actually use every day
✅ Strong resale value and affordable running costs
✅ Perfect balance between workhorse and lifestyle bakkie
✅ More than the XL, but without going full Wildtrak pricing

💡 That’s why the XLT continues to be South Africa’s most popular Ranger derivative — it’s simply the best of both worlds.

👉 Thinking about upgrading? Let’s chat about whether the XLT is the right fit for you.

📍 CMH Ford Gezina
📞 Eugene Stander
📲 Call/WhatsApp: 072 930 4334
📧 [email protected]

27/08/2025

💡 Did You Know? | How to Keep Your Ford’s Resale Value High

When it comes time to trade in, a few small habits can make a BIG difference in what your vehicle is worth:
✅ Service at Ford – A full service history at the dealer can add thousands to your trade-in value.
✅ Keep Mileage in Check – The closer you stay to average annual mileage, the better the resale.
✅ Avoid Unnecessary Mods – Big aftermarket changes can lower value (buyers prefer stock).
✅ Look After Repairs – Quality accident repair history is far better than cutting corners.
✅ Presentation Matters – A clean, well-kept vehicle always fetches more.
💡 These little steps today can put serious money back in your pocket tomorrow.

📍 CMH Ford Gezina
📞 Eugene Stander
📲 Call/WhatsApp: 072 930 4334
📧 [email protected]

26/08/2025

💡 Did You Know? | Balloon Payments Explained

A lot of people ask: “What exactly is a balloon payment and how does it affect my deal?” Here’s the quick breakdown 👇
✅ What it is: A balloon is a lump sum that’s set aside at the end of your finance term.
✅ Why it’s used: It lowers your monthly instalments during the term, making the vehicle more affordable upfront.
✅ The trade-off: You’ll have a final settlement to pay at the end — but most clients simply trade in their vehicle at that point and roll into a new deal.
✅ The benefit: You enjoy lower monthly costs while still driving the car you want.
👉 Example: Instead of paying R12,000 p/m, you might pay R9,500 p/m with a balloon, and then settle the balloon later through trade-in.
💡 Tip: Balloon payments work best if you plan to trade in every 3–5 years.
If you’d like me to calculate what a balloon structure could look like on your dream Ford, drop me a message and I’ll run the numbers for you.

📍 CMH Ford Gezina
📞 Eugene Stander
📲 Call/WhatsApp: 072 930 4334
📧 [email protected]

04/08/2025

🚨 WILDTRAK X. WILD DEAL. 🚨
From just 6.75% interest!
Ready to make your next move?

🔥 The Ford Ranger Wildtrak X is here — built to turn heads, and ready for action.
✔️ 2.0L Bi-Turbo Power
✔️ Off-road tuned suspension
✔️ Smart features + rugged looks

💥 You don’t need to wait for year-end madness — drive today with deals that move you forward.

📲 Drop me a message now or comment below — units are limited and this one won’t stay long!

Eugene Stander
CMH Ford Gezina
📞 072 930 4334 (Calls & WhatsApp)
📧 [email protected]

31/07/2025

🟦 New Month. New Power. New Ford Ranger from ONLY 5.4% Interest! 🟦

🔥 August Offers Just Dropped — and they’re HOT!

Get behind the wheel of SA’s favourite bakkie today:
✅ From only 5.4% interest
✅ Choose XL, XLT or Wildtrak
✅ Trade-ins welcome
✅ Nationwide delivery available

🚨 Stock is limited and interest rates this low won’t last!

📲 Drop your number below or inbox me NOW to secure your Ranger.

Let’s get you driving.

—
Eugene Stander
CMH Ford Gezina
📞 072 930 4334 (calls & WhatsApp)
📧 [email protected]

09/07/2025

From a New Car Salesman’s Perspective 🚗
From the outside, it looks like a job of keys and contracts, maybe a few test drives and some handshakes. But from the inside, being a new car salesman is a whirlwind of pressure, people, and perseverance.

We don’t just sell cars — we build bridges.
Every client comes with a story — a new job, a growing family, a well-earned upgrade. Our job is to understand that story, earn their trust, and help them reach a goal they’ve probably been dreaming about for years.

But it's not always easy.

We face unanswered calls, ghosted messages, vague details, missing documents, and sudden silence.
Some clients ask for a quote on a specific car, but won’t say if they have a deposit or a trade-in. Others shop around for prices, only to vanish just before signing. And some just don’t believe we’re really here to help.

Sometimes, we can feel a deal slipping away — not because the offer isn’t good — but because communication breaks down, trust isn’t there yet, or the process becomes more complicated than it needs to be.

Yet we push on. Because this job matters.

We stay late to follow up.
We come in early to prep a test drive.
We crunch numbers five different ways to find a solution that works.
We do it because when we help someone get into their new car — we’ve done more than just close a deal.

We’ve made a dream real.

And those moments? They’re priceless.

That look in a client’s eyes when they sit behind the wheel for the first time.
The joy on their face as they take a photo with their family next to their new car.
That quiet moment of pride when someone realises: “I worked for this. I earned this.”

You can’t put a price on that.

It reminds us why we do this.

And when a client drives off — happy, proud, and confident — we know we were part of something meaningful. We weren’t just a salesperson. We were a partner. A guide. Maybe even a friend.

Sometimes, we stay in touch for years.
We help their partner with a trade-in.
We hear from them when their child finishes matric and needs a student car.
We see them walk in again and say, “I’m ready for my next one.”

That’s when you know you’ve done it right.

So if you’re ever in the market for a new car — whether it’s your first or your fifth — come talk to someone like me.
Let’s make it simple. Let’s make it exciting. Let’s make it the moment you deserve.

Let’s write your story together — and don’t overthink or overcomplicate it too much. You’d be surprised how easy it can be when someone’s actually in your corner.

When you're ready, I'm here to help:

Eugene Stander
📍 CMH Ford Gezina
📞 072 930 4334
📧 [email protected]

Let’s get you into the car you deserve.

Call now to connect with business.

27/06/2025

🔥 MONTH-END MADNESS – THIS WEEKEND ONLY! 🔥
CMH Ford Gezina is turning up the heat with MASSIVE DISCOUNTS across the range!

✅ Ranger XLT, Wildtrak, Everest, and more
✅ Up to R120,000 off selected models
✅ Limited stock – only until Monday, 1 July
✅ Trade-in? We WANT your vehicle!

📍 Only at CMH Ford Gezina
📞 Eugene Stander – 072 930 4334
📧 [email protected]

Don't miss out. First come, first SAVED. 💥

24/06/2025

🔁 Upgrade Made Easy with Up to R50,000 Deal Assist!
Drive a brand-new Ford Ranger XL or XLT Si-Turbo Double Cab — and let us help cover the gap on your trade-in.

💰 Up to R50,000 Deal Assist
⚙️ 6-Speed Auto (Si-Turbo)
✅ Tough, capable, and packed with value
📦 Immediate delivery available!

Bring your current vehicle, get a free valuation, and let’s talk numbers.

📞 Eugene Stander – 072 930 4334
📧 [email protected]
📍 CMH Ford Gezina

05/06/2025

🚘 Ford Ranger Fever Hits Pretoria! 🚘

Did you know? The Ford Ranger continues to dominate the streets of Pretoria, especially in areas like Gezina! In 2024 alone, Ford South Africa sold 25,552 Rangers, marking its highest volume since 2018. The Ranger secured a 24.3% share in the competitive light commercial vehicle segment, solidifying its position as the best-selling double cab bakkie in the country.

Whether you're navigating city roads or exploring off-the-beaten paths, the Ranger offers versatility and reliability. From the rugged Base model to the luxurious Platinum trim, there's a Ranger for every lifestyle.
ford.co.za

Looking to join the Ranger community? Let's connect and find the perfect match for you!