Jan 27 2016, 12:05 PM
QUOTE(Looi90 @ Jan 25 2016, 09:05 PM)
Hey sifu-sifu,
am interested to buy a used car with Hire Purchase from a dealer. Car price 49,500
Going to loan 48k from bank i suppose.
Runner charges :-
1. Agreement fees, runner fees, transfer or ownership:- RM2950 FIX
2. Puspakom Inspection fee :- RM550 FIX
3. GST : RM1080
4. Road Tax: RM380( 2000cc car)
5. Insurance : RM2200+ , no NCD ( based on car market value 62k)
6. P.A and miscellaneous: RM200+ RM150
So total up OTR become 57k, is these fees above are market price or are those fees neccessary for me to bear?
Really clueless on what is P.A and miscellaneous, GST ( how they charging?), and Agreement fees, runner fees, transfer or ownership?
Need u guys advise sikit sikit.
Thanks.
If you got banker contact, can try do settle everything by yourself with the bank. But in most cases, used car dealer will not allow it to be done. In my Hire Purchase case, I bought 2nd hand car directly from the owner where the car already fully paid before. So things that I spent in my loan application :am interested to buy a used car with Hire Purchase from a dealer. Car price 49,500
Going to loan 48k from bank i suppose.
Runner charges :-
1. Agreement fees, runner fees, transfer or ownership:- RM2950 FIX
2. Puspakom Inspection fee :- RM550 FIX
3. GST : RM1080
4. Road Tax: RM380( 2000cc car)
5. Insurance : RM2200+ , no NCD ( based on car market value 62k)
6. P.A and miscellaneous: RM200+ RM150
So total up OTR become 57k, is these fees above are market price or are those fees neccessary for me to bear?
Really clueless on what is P.A and miscellaneous, GST ( how they charging?), and Agreement fees, runner fees, transfer or ownership?
Need u guys advise sikit sikit.
Thanks.
1. Insurance : RM1.6k (no NCD)
2. Puspakom : RM90
3. Handling fees by bank : RM300 (include PA plus all related fees)
4. Roadtax (1500cc) + ownership claim fees (RM90 + RM150) : RM240
No runner charges as everything I done myself (Puspakom, JPJ, bank). No GST also, this part I'm not really sure how it was done.
In your case, they are making quite some of money since normally used car dealer will charge between RM3-5k all in depending on type of car.
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