Mar 8 2021, 04:39 PM
QUOTE(prescott2006 @ Mar 8 2021, 04:22 PM)
1. When we buy an used car, is it we can apply loan on our own? The sale person told me not all bank can apply, only panel of his shop can be applied.
2. Loan 61k, 9 years, foreign car, around how much is the interest? He told me is around 3.8%, but I saw in RinggitPlus, lowest is 2.9% for Bank Rakyat and 3% for Affin Bank.
1. You buy from private seller or second hand car dealer? if got sale person i assume is second hand car dealer. from what i know, mostly they have their panel bank, can just let them settle for you, they got runner do all stuff for you. Usually with panel bank, they can get better interest rate (correctly me if i wrong)2. Loan 61k, 9 years, foreign car, around how much is the interest? He told me is around 3.8%, but I saw in RinggitPlus, lowest is 2.9% for Bank Rakyat and 3% for Affin Bank.
2. The one in ringgit plus is not accurate. I go bank rakyat, the staff told me only loan for second hand car for goverment servant. I got loan approved from HLB, ringgit plus written 3.78%, but i got 3.34%. MBB written in ringgit plus is 4.x% but i got 3.62%. so i think is not accurate, and based on your financial profile. i guess for a fixed loan period, loan amount and financial profile, it should be around some figure and not lari much.
From what i can see, 'bigger' bank (MBB, Public Bank, CIMB etc) will tend to give higher interest rate compare to 'smaller" bank.
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