Just pm-ed you about my request.

Thanks for the pic. I visit u tomorrow if I can.

Sorry to hear that .. What bank u went for??

Reject due to lots of commitment?? I worried mine also .. I sold off my car, if the loan not approve, means like I got no car to work.

Find out the price exactly and ask them if it includes balancing, allignment and valves. Get a total price then tell me. Dont confirm anything with them. I know a good tyre shop which can give u a good deal. Ive recommended many ppl.

aiyoh.. why sell so fast? at least get the loan first, cos the new rules really strict now..

omg ...if jb no car
sure die wan

If the car no sell, I worried after get the loan but cannot sell off the car ...

true also, but loan results take 1week now, so just hold for 1week better.. aiyoh now no car for u to use summore..

Just check my tyre today as the ride is a bit firm and saw its at 350kps..

Quickly lower it to 240. now ride is more quiet and comfy.

Those guys sure is crazy to pump it so high... good thing it did not explode... if not...

For better chance to approve, always remember this

1. Make sure your total credit card utilization below 80%. If possible, below 50%
2. Calculate your average NETT income (latest 3 mths payslip) after deducting all those reduction such as EPF, Sosco, PCB and etc
3. Your repayment behavior for the rest of your facility (latest 6 mths)
4. Your current loan application repayment dont exceed 30% of your NETT income
5. Submit your latest 3 mths saving account bank statement to show ur repayment capability. e.g. u paying 20k DP and ur new installment around 2k. So if you have at least RM32k (20k DP + 6 mths worth of installment) in your acc, showing that you are in good financial standing.
6. Sometime by submitting your job letter of offer, latest 2 years of EPF and Income tax to show your progress in your financial standing and to justify the purchase of a segment D (luxury sedan) car.

You can get CCRIS report by printing it by kiosk in Bank Negara.

Just for sharing:-

During my application, I submitted the following document to Maybank

1. IC (back and front)
2. Driving license (back and front)
3. Latest 3 mths payslip
4. Latest 3 mths bank statement to show the deposit of salary
5. Latest 3 mths my saving bank statement
6. 2011 / 2010 Borang BE (Income tax)
7. 2011 / 2010 EPF statement
8. My business card and job letter of offer

Submitted full doc to agent and loan approved within 30 hours.

This post has been edited by irangan: Mar 29 2012, 09:42 PM

Very easy to know. How many percent is your car loan mothly repayment in relation to your nett salary (after all deductions)? Any home loan?

Hey guys... which service center u went to do your service. Is their technician good? Any branch to recommend?

I plan to go to the red cube beside federal highway. any1 done your service there b4?

Plan to do my first 1k service tmr after coming back from penang..

This post has been edited by Landy: Mar 29 2012, 10:03 PM

deleted

This post has been edited by Felice821: Mar 29 2012, 11:13 PM

Here's what I have found out from a few sources. The banks will take your nett income after deducting all monthly commitments as below:

1) CC - Calculated as 5% min repayment. So if you owe RM2,000, then RM100 la
2) Housing loan
3) EFP/Socso/PCB no need to say la, sure included ady
4) Personal loan etc

After deducting all that, the balance divided by three. If the car's monthly installment falls within one-third of whatever you have left, then you're safe.

If you are selling your car, make sure to mention that so they won't take the present car installment into the calculation. Perhaps produce a deposit receipt from the buyer.

This post has been edited by gregy: Mar 29 2012, 11:04 PM

Please remove the details that you posted. P&C personal detail should not posted in public forum.

You have a good financial background. Should be no worries in ur loan.

the info/figures in blue, can delete first..

anyway.. looks healthy.. tenency agreement stamped right?

I going to send my car back to my SA which is also a 3S center (Serdang Jaya). Dont know about their technician skill but their boss very nice and responsible.

its Maybank and Public Bank. Guarantor for personal loan. But that person died a year ago. Didnt know he didnt paid the installment. Need to clear it off, by letting go two other cars I supposed. Teana sure cannot let go since not even 1 year yet, and Naza Ria afraid need to topup summore..

If the service centre as bad as its salesmen, then i strongly recommend you avoid this Red Cube. Really pathetic service which normally means the branch manager is ineffective.

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Added on March 30, 2012, 7:42 amRM5K is the benchmark for good salary? Common la! That salary is barely enough to survive in KL if you have a family and a housing/car loan to pay. Thats why im quite happy with the new Bank Negara ruling regarding car loans. Will take some of those wannabies off the streets.

This post has been edited by cybermaster98: Mar 30 2012, 07:42 AM

i mean for those who hvnt married yet.. of cos if married ad if with rm5k salary, no need to think bout owning this car...

Thanks for the info.
Now the only thing i worry is the tyre noise, because my brother's accord also have the same problem and quite annoying...