if rejected by a bank how long before can re apply with the same bank
Latest Car Loan Rate 2012-2021| 2021
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 Nov 30 2012, 08:34 PM
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Senior Member
841 posts Joined: Mar 2005 From: PJ  
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Nov 30 2012, 08:59 PM
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(vinnyjian @ Nov 22 2012, 07:03 PM) Hey sifus, another question for all of you. What's the longest repayment period for used cars? 7 or 9 years? depending on the age of the used car, some banks are skeptical to issue 9 years repayment for cars that has been around for close to decade.  QUOTE(sridoughnut @ Nov 23 2012, 10:53 AM) New MyVi loan 25K for 5 years - interest rate 3.2% - reasonable? quite ok  QUOTE(selvenz @ Nov 30 2012, 08:34 PM) if rejected by a bank how long before can re apply with the same bank ask ur SA to "gaotim" for you.  if not 3-6 months. |
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Nov 30 2012, 11:52 PM
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Junior Member
15 posts Joined: Aug 2010
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Sorry newbie here...just want to ask
Income RM5-6k but 22years old...I plan to buy a 2nd hand JDM car RM1xxk,can I get loan from bank without guarantor ? I am planning to pay deposit RM30k...does anyone know how to make the possibility higher? |
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Dec 1 2012, 10:11 AM
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Junior Member
113 posts Joined: Dec 2009 From: KL 
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QUOTE(Minifans @ Nov 30 2012, 11:52 PM) Sorry newbie here...just want to ask Based on the info given, u should be able to get ur loan approved. Unless u have a bad repayment track record.Income RM5-6k but 22years old...I plan to buy a 2nd hand JDM car RM1xxk,can I get loan from bank without guarantor ? I am planning to pay deposit RM30k...does anyone know how to make the possibility higher? |
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Dec 1 2012, 02:21 PM
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Senior Member
832 posts Joined: Sep 2012 From: Richmond, Oakland hills  
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How much the interest for 2nd hand car in Malaysia up to this day, which bank offer the lowest?
Already Google and still not found, what i received is 3% interest above from last time. |
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Dec 1 2012, 07:28 PM
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Junior Member
15 posts Joined: Aug 2010
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QUOTE(Eclipse80 @ Dec 1 2012, 10:11 AM) Based on the info given, u should be able to get ur loan approved. Unless u have a bad repayment track record. I don't have any bad repayment....new recordBTW I am still worrying my age doesn't meet the requirement |
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Dec 2 2012, 01:11 AM
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Junior Member
219 posts Joined: Jul 2011
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may i ask what the interest rate for new proton car ????
9 year or 7 year with 90% loan |
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Dec 3 2012, 07:31 PM
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Junior Member
113 posts Joined: Dec 2009 From: KL
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QUOTE(Minifans @ Dec 1 2012, 07:28 PM) I don't have any bad repayment....new record 22 years old. Should not be a problem.BTW I am still worrying my age doesn't meet the requirement |
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Dec 5 2012, 12:02 PM
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Junior Member
48 posts Joined: Jun 2005
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QUOTE(MR_alien @ Nov 20 2012, 10:45 PM) wanna ask loan expert here Hey, that is a very competitive rate. Mind share from which Bank do you get the rate? Can PM me the contact as i am sourcing for a car loan now.my loan is approved car price is RM67480 DP with all the discount is RM8080 period is 7 years the interest rates given is 2.58% wanna ask members here, the interest rate consider low? and how low can i request the bank to give?...i'm planning 2.5% |
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Dec 5 2012, 05:17 PM
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Senior Member
1,573 posts Joined: Apr 2008
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non local car - 2.3~2.5%
local car - 2.8 - 3% so if used car - 3.1-3.3% thn it is pretty cool Roughly is the market rate now? |
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Dec 5 2012, 06:52 PM
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(Minifans @ Nov 30 2012, 11:52 PM) Sorry newbie here...just want to ask Education level?Income RM5-6k but 22years old...I plan to buy a 2nd hand JDM car RM1xxk,can I get loan from bank without guarantor ? I am planning to pay deposit RM30k...does anyone know how to make the possibility higher? |
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Dec 5 2012, 07:13 PM
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Junior Member
15 posts Joined: Aug 2010
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QUOTE(Icehart @ Dec 5 2012, 06:52 PM) Education level? SPM? on my Singapore Poly course...Erm does it related to loan?  This post has been edited by Minifans: Dec 5 2012, 07:16 PM |
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Dec 5 2012, 07:43 PM
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(Minifans @ Dec 5 2012, 07:13 PM) SPM? on my Singapore Poly course... yes of courseErm does it related to loan? are u working in mnc? if ur working at mnc then there is still chance to get approved otherwise bank will perceive high risk due to spm education and u will need guarantor |
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Dec 5 2012, 11:09 PM
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Junior Member
15 posts Joined: Aug 2010
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QUOTE(Icehart @ Dec 5 2012, 07:43 PM) yes of course Yup,working in MNC in SG for 2 years ++ are u working in mnc? if ur working at mnc then there is still chance to get approved otherwise bank will perceive high risk due to spm education and u will need guarantor  |
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Dec 6 2012, 07:15 AM
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Junior Member
11 posts Joined: Dec 2012
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think of the maintenance in the future,or break down.small and old car i got cost me average rm100 per month
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Dec 6 2012, 10:02 AM
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(Minifans @ Dec 5 2012, 11:09 PM) Yup,working in MNC in SG for 2 years ++ then should be no problem QUOTE(rhymeofjazz @ Dec 6 2012, 07:15 AM) think of the maintenance in the future,or break down.small and old car i got cost me average rm100 per month what car is that?small and old like kelisa is proven to be reliable, good fc and ample spare parts.  |
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Dec 6 2012, 07:43 PM
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Junior Member
15 posts Joined: Aug 2010
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QUOTE(Icehart @ Dec 6 2012, 10:02 AM) then should be no problem Thank you very much for the info....dont know that education level effect the result what car is that? small and old like kelisa is proven to be reliable, good fc and ample spare parts. Appreciated  BTW just want to ask...Can higher deposit makes the possibility of success even higher? |
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Dec 6 2012, 07:57 PM
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(Minifans @ Dec 6 2012, 07:43 PM) Thank you very much for the info....dont know that education level effect the result of course, higher deposit means lower loan amount, less risk for banks.Appreciated BTW just want to ask...Can higher deposit makes the possibility of success even higher? normally if u apply loan of say 100k and bank perceive u as high risk, then u have 2 choice: get a guarantor or apply less loan (higher deposit) |
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Dec 6 2012, 09:45 PM
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Senior Member
1,191 posts Joined: Sep 2004
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hi recently mach group by hong leong offer reducing balance interest rate
https://www.machbyhongleongbank.com/ anyone looking for such loan, can pm me i direct from bank |
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Dec 6 2012, 09:54 PM
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All Stars
14,899 posts Joined: Apr 2005 From: Kuala Lumpur & Selangor
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QUOTE(maru @ Dec 6 2012, 09:45 PM) hi recently mach group by hong leong offer reducing balance interest rate 6.6% follow blr? wah very high ler https://www.machbyhongleongbank.com/ anyone looking for such loan, can pm me i direct from bank  |
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