I think financing a motorcycle is disadvantageous; it's better to pay cash. Why? Let me give you an example. Suppose you buy a Nmax Neo S priced at Rp35,190,000. If you finance it with a down payment of Rp3.6 million over 2 years, you will need to pay approximately Rp2,243,000 per month. Total amount paid over 2 years = about Rp51.5 million.

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