i m looking to refinance my staff car loan. Anyone has any experience with car refinancing? Any banks that do this? I think i shall expect rates that apply to second hand car already right?

huh? 7 years car, interest oni 3.5% ??? are you sure ?  so u bought perodua car ?
cos before july, the lowest interest is 3.65%, now ur interest seems like lower than the previous wan..
i call for the SA, he said now started to clearing out the 2010 cars , so ..
interest might be lower, but also above 3.9% - below 4.15%.

He gv me discount up to 2k if i buy Myvi SE .  the rest of the myvi is RM 1000 . ( 2010 stock )
if wan to buy 2011 manufacture .. oni discount RM 500 .

yeah just receive a call from the bank to validate all the personal details and to open a savings account with that bank. Very fortunate to get the low rates, my SA told me that his boss has a strong connection with the banks.

I'm irritated by how everyone is lamenting how a car is a liability etc etc in the past few pages. Don't be stupid. Its an investment alright. Its an asset in its own right.

Just because it doesn't bring in cashflow directly doesn't mean it doesn't bring you benefits indirectly. Its just like saying "My factory workers are liabilities.. I'm paying them but they don't bring in money for me. Only my sales department is bringing in the revenue". Padahal if you have no factory workers, your manufacturing collapses, and therefore your business dies.

So don't be stupid. A car will transport you back and forth to and from work. Having a car will open up your career options, employment options. Having a car will increase your customer outreach if you are doing your own business.

PS : Having a car might even score you a partner that is looking for someone that can provide. And that, is a lifetime investment in its own right! :@

PS2 : But how big/expensive/fancy a car you are willing to get is up to individual desires.

mind to introduce ur SA to me huh?
  since u get d lowest interest for 3.5% for 7 yrs,  issit oni for Year End Promotion?
if next year duno stil got dis kind of lower rate or not ..

guys, i already booked my Myvi and managed to get 3.5% rate for 7 years loan. Is it a good time to get a car now?..i ought so.

Alot of car manufacturers are clearing out their 2010 production cars. Eventhough my car will be tampered as this year's production, however it will still be registered as next year ownership. Furthermore, if you planning to get your car at the beginning of next year, the chances of getting 2011 prodcution car is still slim as the old stocks car are still in the process of clearing.

As for my sales agent, he quoted a personal discount of rm 1,800. As year end is coming, he has to strive and hit his sales target.

wah gud..which bank u make loan get 3.5% rate??

hi all, i am planning to get persona elegance 1.6 MT.

now the dealer offer me 4% interest. is that fixed? or i can bargain with them or i need to find orther bank for loan?

ur help is highly appreciated! Thanks!

I just got my hp loan approved from maybank, 2.7 interest rate servicing 5years loan. Kia forte.

damn...i just got quoted 2.73 for 62k loan 15 minutes ago...ur margin finance???