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.