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What “EVİM system” is doing (business mechanics)

The “home improvement system” branded as EVİM is essentially a financing + procurement structure that sellers can’t directly run profitably because they must fund inventory upfront.

The system relies on:

• Car price / distributor discounting to manage upfront costs and margins.
• Fleet buyers (not dealerships) that buy cars with a ~6-month resale restriction, then profit by either:
  • Reselling after the waiting period, or
  • Renting during the waiting period.
• Two delivery models offered to participants:
  • Leasing/rental-style delivery (the car becomes available after a waiting rule)
  • Direct purchase (faster, but with higher fees and stricter eligibility)

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Framework / playbook (how to think about it)

Cost build-up logic (explicit in the example)

The example cost logic includes:

• Base car price
• + organization fee
• + rental/lease cost for the waiting period (e.g., 6 months)
• + down payment
• + installments (the structure depends on the delivery model)

Eligibility gating

• Direct purchase requires minimum banking/credit qualification (noted as FİNDEX).

Inflation risk model (macro-to-micro)

It works only if inflation + timing benefit the participant’s cash-flow.

The biggest loss risk for ordinary users is:

• Receiving cash later at a lower real value, or
• Mis-timing relative to price inflation.

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Concrete example and numbers (Ateca case)

Model 1: Leasing / rental delivery

Example vehicle: Seat Ateca

• Promotional list price: 2,205,000 TL
• Fleet buys at: 850,000 TL (example spread)
• Participant is charged a “delivery price” (described as +45,000 TL extra to the dealer in the example)

EVİM organization fee: 7%

• Example fee: 157,500 TL

Waiting rule: 6 months / 6,000 km

Monthly rent (during waiting period): ~108,000 TL

Rental-period total (described math):

• 108,000 TL × 6 ≈ ~632,000 TL rental cost

Additional ongoing payments during waiting period:

• Example installments shown as ~32,000 TL per month, described alongside total around ~140,000 TL/month in the explanation.

Resulting total cost outcome (as stated)

• “Delivery price” component: ≈ 45,000 TL
• • organization/rental costs: ≈ 157,000 TL
• • rental-period total: ≈ ~850,000 TL cost basis used in explanation
• • down payment: ~675,000 TL
• • installments over total term (described as 25 installments after deposit)

Implied effective purchase price: A car that would effectively cost ~2,205,000 TL ends up costing roughly 3,100,000–3,150,000 TL in installments (per the narrator’s conclusion for this scenario).

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Model 2: Direct purchase

Presented as better for short-term (earlier delivery), but with key drawbacks:

• Requires FİNDEX above a threshold
• Organization fee increases from 7% → 13%
  • Example: 157,000 TL → 325,000 TL
• Delivery timing:
  • ~35 days (about 3 weeks)
  • 14-day cancellation right

Fees/extra costs described:

• In the correction, direct purchase price effectively becomes ~2.5M TL instead of 2.205M TL in the example.
• Additional total cost vs. leasing example: ~620,000 TL extra (as stated)
• Installment pattern described as heavier earlier/middle payments (example ranges mentioned: 40k / 60k / 90k / 140k).

Takeaway: Direct purchase reduces waiting time but increases the total “take” via higher fees and eligibility constraints.

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“Normal purchase method” / customized installment case

• The narrator selects a custom scenario (based on Necmettin’s list) to demonstrate flexibility.

Assumptions in this scenario:

• Car amount: 2,500,000 TL
• Delivery timing: ~7 months
• Total installment term: 26 months
• Organization fee example: 175,000 TL
• Down payment example: 1,000,000 TL upfront
• Monthly installments:
  • 20 fixed monthly installments
  • later “adjusted” large final installments, including examples:
    • 63,000 TL (months 21–22)
    • 189,000 TL (months 23–24)
    • 576,000 TL final

Total paid outcome (stated):

• “Total amount” around 2,675,000 TL (base scenario)

Interest/inflation thought experiment:

• They approximate extra cost from holding a 1M deposit for 6 months:
  • “official interest” on initial deposit mentioned as ~150,000 TL
• Expanded conclusion totals:
  • ~2,825,000 TL including “inflation difference” (narrator estimate)

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Strategic / business insight (why it works for some, fails for others)

Primary users described

People who already have significant assets/cash and can arbitrage price movements.

Example logic described:

• Having a car,
• putting cash in the system,
• leveraging inflation/price increases to sell/transfer before buying again,
• effectively converting 1M → 2.5M purchasing power (as described).

Risk for ordinary/middle/lower income participants

The key risk is inflation mismatch.

Narrator framing:

• If inflation averages ~40% over 20–24 months, real value can deteriorate sharply if timing is wrong.

Motivation vs banks

Described as avoiding bank credit constraints (credit limits), especially after a 2021 regulation change that affected many users.

The narrator notes:

• Safeguards improved,
• but future regulatory direction is uncertain.

System dependency on growth

It is explicitly stated:

“This system needs to grow. If growth stops, the system stops.”

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Actionable recommendations (explicit / implicit)

• Prefer scenarios with:
  • Clearly defined delivery timelines (e.g., 7–8 months with predetermined dates)
  • Structured installments that reduce uncertainty
• Avoid models where you are exposed to unbounded inflation timing risk.
• Ensure FİNDEX eligibility is met for direct purchase.
• Before joining, stress-test whether inflation and price trends will favor the participant’s cash-flow timing.

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Key KPIs / metrics mentioned (financial + operational)

• Organization fees
  • Leasing/rental: 7% (example 157,500 TL)
  • Direct purchase: 13% (example 325,000 TL)
  • Normal/custom scenario: example 175,000 TL
• Waiting period / delivery constraints
  • Leasing model: 6 months / 6,000 km
  • Direct purchase: ~35 days (~3 weeks) + 14-day cancellation
• Rental cost
  • Example: 108,000 TL/month during waiting period
• Price points
  • Promotional baseline: 2,205,000 TL
  • Example reference list/market: 2,500,000 TL
  • Effective total cost outcomes stated:
    • Leasing model: ~3,100,000–3,150,000 TL
    • Normal/custom model: ~2,675,000 TL (base) to ~2,825,000 TL (with inflation-difference estimate)
• Inflation assumption used for risk
  • ~40% average over ~20–24 months (to illustrate potential losses)

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Sources / presenters

• Presenter / narrator: “Car Diaries” channel (speaker throughout the video)
• Source contacted: Necmettin Sungur (provided calculations, PDFs, and lists)
• Sponsor mentioned: Lubx (Lubex Belgin / automotive lubricants)