QUOTE(kenji1903 @ Aug 12 2010, 09:23 AM)
well, a RM110k with 9 years loan at 3.5% is just RM1.2k per month... with the 1/3 bank rule, definitely someone with no commitments and RM3.2k salary can afford it

Added on August 12, 2010, 9:26 amcheckout the dimensions... Polo and Jazz is just a few cm from each other... this is where the headache comes in... price is the same, Polo has full leather, 1.2 turbocharged engine, fuel economy and full leather... what does the Jazz give you?

I would choose the Polo over the Jazz without batting an eyelid since they are similar priced. But the fact remains that in terms of interior space, the Jazz offers more (esp the boot space) and there are people who need the larger carrying capacity.
All I can say that both the Polo and the Jazz (and many other B segments) are horrendously overrpriced in Malaysia... Regardless of which one you choose it's just not the best bang for buck.
As for whether someone with 3.2K salary should buy a 110K car, it all depends on the individual. 1.2K per month for loan is just the beginning... add up petrol+maintenance it'll almost reach half of the net income, and that's still not including stuff like food/entertainment/rent/pocket money for parents etc. At the end of the month, the amount entering the savings account should be at least 1/4 to 1/3 of the salary, ideally.
Never say that one has no commitments as that is ridiculous - in 9 years' time you'll probably end up getting married/buying a house/have kids/need to support family (both your kids and your retiring parents +/- siblings who might still be studying).
This post has been edited by StarGhazzer: Aug 12 2010, 02:06 PM