Vladimir

Dreamer - visionary, entrepreneur °

[Susan Jones @Waar_en_Wolhaar]

@Simphiw02617472 The Bill is in the puplic participating process. Citizens to submit their written submissions/objections before Friday 6 November 2026 at 16:00👇🏼

[Vladimir @TherealM_VIII]

@GYerathel Bru...you always post the most random shit, but never really explain anything, so I'm trying to understand the logic behind all this ?

[Malaisha⚒️🇿🇦 @Voys_ZA]

Selfish, greedy, fat cats, Cheap Labour, Hipocrites, lawlessness, opportunism
We know them

[Vladimir @TherealM_VIII]

@ThisIsColbert 🤣🤣🤣🤣

[VIEW4YOU @view4you_sa]

PLEASE SHARE THIS WITH EVERY PERSON YOU KNOW ‼️

Why is the Bank or Finance House allowing this⁉️WE CONSUMERS ARE ON OUR OWN !!!

I have tried to explain it here below 👇🏾

A Dealer Incentive Commission (DIC) also known as a Dealer Introduced Commission is a fee or markup that a bank or finance house pays to a car dealership for arranging your car loan. It is a lot of money they get back because of our ignorance, we were told it can range from 20k even up to 75k and more.

It affects you the consumer directly in two major ways:

1. Higher Interest Rates on Your Car Loan. When you apply for finance through a dealership's Finance & Insurance (F&I) office, the bank approves your loan at a minimum base rate (called the "buy rate"). It also affects the consumer in a way that the consumer struggles to uplift the deal because that DIC must be paid back if the Bank says deal must be uplifted. So dealerships fight to not uplift the deal.

How it works: The dealership is often allowed to increase that interest rate before presenting the final deal to you. The higher the interest rate they convince you to accept, the bigger the commission check the bank pays the dealer. 

The cost to you: Even a minor rate increase like 1% extra on a R200,000 loan over 60-84 months can add thousands of Rands to your overall repayments over the life of the agreement.

2. Conflict of Interest (Bias in Finance Offers). Because different banks pay different commission structures to dealerships, the dealer has a financial incentive to push you toward the bank that pays them the highest commission, rather than the bank offering you the lowest interest rate. 

How to Protect Yourself and Beat this !!!

Get pre-approved directly: Contact major South African banks (Standard Bank, ABSA, Nedbank, FNB, WesBank) directly for pre-approval before stepping into a showroom.

Ask the F&I manager directly: Ask, "What is the bank's base buy-rate for my credit score, and are you adding a markup/DIC to this rate?" MAKE SURE TO RECORD THIS OR LET THEM WRITE IT DOWN AND SIGN !!!

Negotiate the interest rate, not just the monthly payment. Dealers often hide higher interest rates by extending loan terms or adjusting balloon payments, DO NOT ACCEPT THAT !! Always negotiate against prime rate (e.g., Prime minus 1% vs. Prime plus 2%).

PLEASE PUT THIS INTO PRACTICE YOU WILL NOT BE SORRY BUT GRATEFUL🙏🏾

https://t.co/A51Z9VRFWI

[Vladimir @TherealM_VIII]

@Am_Blujay Moesko!!!

[Vladimir @TherealM_VIII]

@Sandile_43 The problem is "I sonto" homeboy must suffer because of "I sonto" I don't blame him, vele hunger is the best cooker

[Vladimir @TherealM_VIII]

@DrMatonga @my_azania I think you may have missed the point here my good sir,South Africans are marching against illegal foreigners,we have no problem with people that come into the country lawfully, These South Africans went to Mozambique for a vacation,trust me they have no intention to stay.

[Malaisha⚒️🇿🇦 @Voys_ZA]

Don’t judge me until you walked my path
This brother is spitting bullets🔥🔥🔥

[Vladimir @TherealM_VIII]

@CrimeWatch_RSA Nothing wrong here , keep it moving!!!

[Vladimir @TherealM_VIII]

@my_azania Don't let this go commanders !!!

[Vladimir @TherealM_VIII]

But why is it so difficult for them to take the same energy and go March in Malawi..F*@ck me

[Dr. Koena Moabelo 🇿🇦 @RealKoenaza]

Retweet to irritate those who hate South Africa.

[Vladimir @TherealM_VIII]

Petition for the Disbandment of the South African Human Rights Commission (SAHRC) - Sign the Petition! https://t.co/vZoCve0Fxc via @ChangeorgSA

[L E S E D I @_Hybreed_]

Ko majiteng 🤌🏽

[Vladimir @TherealM_VIII]

@RightPulseNewss Absolutely!!!

[Vladimir @TherealM_VIII]

@Oriana_RSA Done!

[Vladimir @TherealM_VIII]

@merSETASocial None of the numbers displayed here work, how do we get ahold of you

[Vladimir @TherealM_VIII]

@DjsdumoSA @khustazm 😂😂😂😂😂😂

[Vladimir @TherealM_VIII]

@Allegedlie @BafanaSurprise Hao Sbali Nkosi yam, but this is not Special Forces it's the airfoce Sbali..