Your naiveness is beyond the realm of reality. you think MOST people earning 5k++ per month paid cash to buy cars? Unlike you, some of them SAVED their earnings for rainy days.. and put some for long term investment.


Even some Datuks with millions stashed "somewhere" also take loans to for their bungalows/posh cars/and children's education.

without trying too hard to be silly.. you'd probably achieve almost the same result if you attempt to rationalise this with a swine.. as opposed with ts..

it doesn't take much to see that you have totally different value perception in opposition to ts.. it's just too polarize to get the other part to see yours.. although i applaud your attempt at doing so.

LOL, earning 5K to 6K you think that many? grow up la.

Yes, I'm probably wasting my time trying to explain to him how infantile his statements are. Yet, there's a part of me that finds his ludicrous statements amusing. It compels me to reply to see what silly remark he will post next.

ahahahaha TS reply again hahaha

TS u not yet post ur car's picture leh.

post the picture of u and ur car, and the car's gf as well please

I can't wait any more to see it...

this dude is awesome. his thinking too simple, nvm he'll learn more from mistake. he choose the expensive way to get a lesson.

pardon me... however, as far as i know,

Basic qualification To qualified to get a car loan without Guarantor :

1 ) Rm2.2/months
2 ) Age 23

However, if you are age 21, with these below qualification :

1) Rm2.5K/month
2) at least 10% or higher deposit

Wei! I earned gross of RM9.3k also got take loan la, 1 car & 2 hse loan. The thing is the more we earned, the more commitment we eventually end up as our lifestyle change and we planned for our retirement incl kids edu fund. On kids edu fund, i'm not dependant on getting G loan although i do hope as i'm Msian.

OK, Enuff OT ady!!!!

i thought this thread had already closed?

if closed.. pun.. will automatically revived.. due to its mud-slinging magnet abilities..

unless it's gonna be certified boonasai-ed!

funny thing i had noticed it why this thread is at Finance, Business and Investment House?

qc(quality control) issue gua.. once in awhile such thread comes around..

but on retrospective.. it does have learning points to take home. displaying seemingly erroneous decisions in life can be examples that we all can learn to avoid..

avoidance is no less a lesson too, as opposed to making the mistake oneself and getting out of it.

U still need a guarantor coz ur salary is not convincing.My bro bought a Myvi but his salary is about RM5K plus commission.His basic is just RM1.5K.The bank still wants a guarantor.

RM 5K per month is not bad...

well, sometime RM5k plus one month but might be not consistent every month so due to the bad economy now..
a lot of banks are very strict with their conditions..hehe...

if i stand at bank site , 3.75% per annual is low margin and ur 1.2k basic is too risky.

thats y most of the bank dint approve ur case.

You didn't read past the first page, did you?

my car coming tomorrow....i can go fing gf wahahahahaha

Yep, definitely not worth teaching him. Totally Hopeless.