Aug 4 2012, 05:25 PM
QUOTE(forter @ Aug 4 2012, 01:47 PM)
If u are looking for c segment 2.0 car...how come viva can also be considered..lol.. 
When/where did you read that I was giving suggestion to any particular person who is trying to look for a C-segment car? Let me put in simpler English so that you will understand what I was trying to point out....
Someone suggests that buying a cheaper car instead of a more expensive car can bring extra benefit by putting the extra unspent money in the bank to generate interest. So, Viva is used as an example as it is one of the cheapest car in the market, so buying Viva will be better as you can save more money and put in the bank, besides, no need to take so much loan from the bank.
If you still have difficulty to understand, kindly take tuition class for English alrite?
Added on August 4, 2012, 5:37 pm
QUOTE(K5WHITE @ Aug 4 2012, 01:23 PM)
that is not what i meant. I never say buying forte or viva is smart move or otherwise. Im just saying a parameter has been neglected in the value drop calculation when ppl talk abt RV. Thats all.
Some ppl dont have the actual amt to buy the car in cash, normally takes loan. But, by buying a more expensive car, say in this case, a civic 2.0s is not only 127k, it shud be 127k plus the interest or finance term incurred. Whereas, if buying a forte will incur less interest coz simply loan amt is less.
example :
10% dep for each car, same int 2.45% for 9 years. By the time, the owner completely service the car loan, it shud be:
civic : 12,700 + (114,300 x 9 x 2.45%) = 152,203
forte : 9,700 + (87,300 x 9 x 2.45%) = 116,250
besides the actual car difference of 30k, there is additional difference of RM5,953 consist of 9y int of the car difference. So when u compare RV, it shud be civic selling - 152,203, and for forte, it shud be forte selling price - 116,250.
Again, this is wat i suggest shud be in consideration, nothing more. Im not imposing that everyone shud buy cheaper car aka korean or watever.
Again, by considering only this factor, you have to ignore other added values of buying a more expensive/branded car. For instance, the satisfaction, rewarding experience, the pride, driving pleasure, hassle-free, wide support network etc..... all these can't be valued in terms of money. Some ppl dont have the actual amt to buy the car in cash, normally takes loan. But, by buying a more expensive car, say in this case, a civic 2.0s is not only 127k, it shud be 127k plus the interest or finance term incurred. Whereas, if buying a forte will incur less interest coz simply loan amt is less.
example :
10% dep for each car, same int 2.45% for 9 years. By the time, the owner completely service the car loan, it shud be:
civic : 12,700 + (114,300 x 9 x 2.45%) = 152,203
forte : 9,700 + (87,300 x 9 x 2.45%) = 116,250
besides the actual car difference of 30k, there is additional difference of RM5,953 consist of 9y int of the car difference. So when u compare RV, it shud be civic selling - 152,203, and for forte, it shud be forte selling price - 116,250.
Again, this is wat i suggest shud be in consideration, nothing more. Im not imposing that everyone shud buy cheaper car aka korean or watever.
And perhaps one should consider that the extra amount of money he/she spent is actually getting them these added values. Personally, I will regard this as paying for those immeasurable factors, and when I'm selling my car, I don't calculate like what you are suggesting. And my definition of Good Resale Value maybe different from others, and as long as I'm happy with the second hand car price during selling, I have nothing to complaint about.
Maybe Civic vs Forte may not show a wide difference in class and status, but if this is a budget brand vs Luxury brand scenario, and same car segment, I don't think a financially capable car enthusiast will settle for something less if he/she can afford something more expensive/branded.
Added on August 4, 2012, 5:54 pm
QUOTE(IluvProton @ Aug 4 2012, 02:31 PM)
I'm surprise. he he he
forgive me then, I not in the sales line. Nvr know such will happen. Thanks you for the highlight.
This post has been edited by landlily98: Aug 4 2012, 05:54 PM
Quote
.. i think everybody here know that someone suggest to buy a cheaper car means its in same category....someone who have decide to buy c segment car (2.0) and at the same time try to get as much as he can to save the money/make money from interest or the car with value for money....and our friend also gave the example between civic 2.0 and forte 2.0..comparrison between 2 c segment car regarding the price and also resale value...nothing to do with others car with different category..... 
...youre good in english does not mean you have smart brain..go back to polish your brain again.. 
not even seat belts.
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