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In these days of changing ways, is buying a car on credit and paying for insurance, maintenance and vehicle tracking still a have-to-do thing? Not to mention the years of credit commitment in these uncertain times for income.

Figures released last week by the vehicle manufacturers’ body, Naamsa, show a sudden slowdown in local new-vehicle sales and a sharp decline in exports. Perhaps this is the right time for carmakers and financiers to reinvent vehicle ownership schemes...

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