You are talking about two different segments altogether. Someone buying a foreign branded D segment car will not have the same mentality as someone who buys a B or C segment local ride. Put it simply, if one can't even afford 9% depreciation on a RM140k car, he/she doesn't belong in that category. The loan officer who approved his/her loan is either on the take or a jackass who deserves to be fired.

Let's take an example of a popular D-segment car, Toyota Camry 2.0G facelift version.

Brand new OTR price: RM154,990
http://www.motorcar-malaysia.com/2009/09/t...facelifted.html

After 2+ yrs: RM120,000 (rounded up) WITHOUT INS, ROAD TAX ETC
http://www.mudah.my/Toyota+Camry+2+0G+Auto...ew-12680031.htm

So let's see: RM154,990 LESS RM4,151 (ins.) + RM380 (road tax) + misc RM500 = RM5,000 (rounded up)

Hence: RM154,990 minus RM5,000 = RM150,000 (rounded up) is the actual cost of the car. After 2+ yrs, RM120,000, so the total drop is RM30,000.

(Amount of decrease/Initial value) * 100
=> (RM30,000 divided by RM150,000) * 100 = 20% depreciation or 80% residual value

So, how now? Even Camry owner need to shed RM30,000 in 2+yrs.

And please, don't say a person spending RM130-140k. He didn't "spend" that amount, he merely paid a downpayment and took a loan for the balance. At the end of the day, to calculate how much he actually spent on the car all he needs to do is count how much deposit paid, how many months repayment paid, deduct the balance that he got back after selling the car. THAT is the true amount of what he "spent" on that car.