i'm going to buy cash. aside from that there is no option.

my loan was 4%. in reality it's about 8.05%. if you add in the 1250 QAR processing charge, it comes to 9.2% (for a loan of 58500 QAR). if i sell my car after 2 years then there's a management fee of 1500 QAR to buy out the loan.

unless you can earn 10% in a reasonable risk security, you're better off paying cash if you can afford it.

i think this flat rate loan system is illegal in the west because this is the first i've seen of it.

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"Even a stopped clock gives the right time twice a day." Withnail & I