Tips Sahabat

What is SPK in Car Purchase? Understand Other Terms Here!

09 April 2025
Apa itu SPK dalam Pembelian Mobil? Pahami Istilah Lainnya di Sini!

There are several terms that are often encountered when you are going to buy a new car, one of which is SPK. SPK car is an abbreviation for Vehicle Order Letter and contains various important information within it. In addition, there are still other terms that will be explained this time.

Important Terms When Buying a Car

Here are some important terms you need to understand when you are about to buy a car, especially in new condition.

1. Vehicle Order Letter

The first is SPK or Vehicle Order Letter. As the name suggests, this document serves as a means in the purchase of a vehicle, whether from the manufacturer directly or from a dealer. SPK contains information related to the vehicle such as color, model, CC, type, and others.

Some also often show additional information such as payment terms, price, delivery date, and other information related to the vehicle order. When the buyer has received this document, the order will be processed according to the written details. Generally, the buyer will be asked to make a down payment (DP) first.

2. Down Payment

The next term is Down Payment or commonly referred to as DP. DP is the initial payment as an agreement between the buyer and the seller in the transaction of purchasing an item, in this case, a car.

When the vehicle is ready, the buyer will be asked to settle the initial payment. Regarding the amount, each seller usually sets different figures. However, generally, the DP is in the range of 20% to 30% of the price of the car.

3. Total Down Payment

Still related to the previous point, there is another term Total Down Payment or TDP. TDP is the amount of money that must be paid with details consisting of DP plus credit service fees, the first installment, and vehicle insurance.

The amount of TDP is generally the result of an agreement between the buyer and the car unit provider. TDP has various functions, including as collateral, reducing the number of installments, and maintaining the balance of the vehicle's value during the credit period.

4. Leasing

You may already be familiar with this term. Leasing is a vehicle financing institution that is officially registered with the OJK or Financial Services Authority. The function of leasing is to assist buyers in the transaction of buying and selling cars using a credit process.

However, you still need to be careful in choosing a leasing company because many also provide poor quality. Make sure the leasing is legal by showing an official certificate and having a clear identity.

5. Credit Price

Credit price is the amount of money that needs to be paid when purchasing a car in installments over a certain period. With this method, you are not required to pay the full price of the vehicle when the purchase process takes place.

However, the buyer will be required to pay a portion or DP, and the remainder is paid in installments. The credit price varies, depending on several factors such as vehicle specifications, installment period, and interest rates.

Read Also : This is the Right Time to Buy a New Car and Its Tips, Let's Find Out!

6. Inden

Lastly is inden. Inden is a condition when you as a buyer will order a car in advance, but the unit will be delivered some time later. So, it can be said that this is a pre-order system and is common for new vehicles that have not yet been produced.

During the inden period, the buyer will be asked to pay a DP or down payment first as a sign of the vehicle order. The inden period varies, depending on the vehicle model, stock availability, production capacity, and others.

So, it can be said that the SPK car is an important document that must be understood when making a purchase. By understanding the terms above, you can be much more prepared when buying a vehicle.

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