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Latest Car Loan Rate 2012-2021| 2021
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Ginny88
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 Nov 28 2016, 12:10 PM
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QUOTE(Buydirect @ Nov 16 2016, 01:00 PM) You can apply loan on your own, but you will need to present to the bank a Vehicle Sales order (or Buyers' Order), which will be issued to you when you place a booking with the car company. However, some car companies prefer to do loans with their panel banks only, due to their financing facility, and may not accept other banks that you wish to apply with, so it all depends. That is not his question. His question was whether banks will entertain loans for direct owner to buyer sale which doesn't go through a dealer. |
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Ginny88
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Sep 3 2017, 11:09 AM
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QUOTE(degionz @ Aug 18 2017, 10:43 PM) guys, today my credit card application rejected next month i going apply car loan. so at ccris record can affect my car loan due to my credit card rejected? QUOTE(degionz @ Aug 19 2017, 12:05 PM) Sry i miss something Actually the car loan is my brother name i just a guarantor so the bank will see my ccris or my brother? My brother still studying no yet work. You are a guarantor for your brother's car loan who is still studying. The bank may take it as you paying the loan as your brother has no source of income. This may reduce your ability to get another car loan. By all means apply for your car loan as it may come under a different set of criteria from credit card but don't be too hopeful. |
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Ginny88
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Sep 15 2017, 04:54 PM
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QUOTE(outsider @ Sep 14 2017, 08:32 PM) Usually need to take how long to apply a loan from public bank and maybank? I do have HP in maybank, I plan to trade in and buy new hybrid car. Should I settle the HP first before I buy new car? Cause the agent say no need to settle as they will settle everything for me. I now waiting for the PB bank Hp for 80k loan approval Better settle the loan yourself first. When the agent say they will settle you don't know if they will settle in one lump sum or continue your instalment and hence make use of your loan to finance their cash flow. |
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Ginny88
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Oct 3 2018, 03:03 PM
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QUOTE(joshgm_119 @ Oct 3 2018, 02:25 PM) Quick question, I want to get a car under my dad's name. However, he's retired, no fixed source of income. In this case, can I stand as guarantor to ensure the loan gets approved? I'll be the one paying for the car, just don't want the car to be in my name. Inputs appreciated! I doubt the bank will approve a loan for your Dad if he has no source of income. The guarantor is just a fallback thing. The loaner must still have the capacity to pay. |
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Ginny88
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Aug 27 2019, 01:15 PM
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QUOTE(myteam94 @ Aug 27 2019, 11:56 AM) my epf figure macam fluctuate according to them *because i have commission occasionally* so number kejap naik, kejap biasa thats why... waiting at least nampak cantik sikit.. that time only PBB available,if got CIMB/Maybank maybe i can try at that event. but i do plan for it.. next month i will be taking half-day to check with these 2 banks (as I have history with them) The bank is more concerned about your income fluctuating. By 'nampak cantik' you mean the amount of your EPF balance? This has no effect on the bank's decision as you are not able to access your EPF until you are 55. By all means shop around and see if other banks require a guarantor. If no choice asking your parents to guarantee is not the end of the world. It will not affect them financially if you are able to fulfill your commitment. |
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