Welcome Guest ( Log In | Register )

Bump Topic Add Reply RSS Feed

Outline · [ Standard ] · Linear+

 Latest Car Loan Rate 2012-2021| 2021

views
     
ZeneticX
post Nov 25 2017, 06:38 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(Defallen @ Nov 25 2017, 11:20 AM)
Loan RM40,200
Perodua Car
9 years
Interest 2.85%
RHB Bank
*
is this the new myvi?
ZeneticX
post Nov 25 2017, 09:38 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(Defallen @ Nov 25 2017, 08:04 PM)
Nope. Just Bezza.
*
QUOTE(Asus @ Nov 25 2017, 08:32 PM)
new myvi loan 42k 9yrs @ 2.92% with kuwait finance house
*
thanks. good to know it's possible to get below 3% for perodua and new myvi

This post has been edited by ZeneticX: Nov 25 2017, 09:38 PM
ZeneticX
post Jun 4 2018, 06:11 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(iZuDeeN @ Jun 4 2018, 05:12 PM)
they say HLB now offer the best rate for new car  in market < 2.6% ... true?
*
not sure how true is this but based on the reply above, they tend to offer lower amount of loan

I applied for 44k for 7 years (car price total 51k) last thursday, today agent call back ask me whether willing to take 80% loan is which is around 40k doh.gif otherwise have to get guarantor

my agent help me to appeal now but if still same I'll just apply other banks
ZeneticX
post Jun 5 2018, 12:00 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(mushigen @ Jun 5 2018, 10:59 AM)
Let's say I book Car A from Showroom A, and at the same time book Car B from Showroom B because I try to secure a new car before SST kicks in. Car A and Car B are quite close in selling prices and the estimated delivery is July/Aug - not guaranteed.

Question: I apply loan for Car A through the bank officer recommended by Car A SA. Can I use the loan to finance Car B if I decide to buy Car B instead?
Q2:
*
dont think its possible, when you submit your loan application you need to submit your VSO (Vehicle Sales Order) from your SA as well. To get a loan for Car B you need the VSO from SA B
ZeneticX
post Jun 5 2018, 04:47 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(iZuDeeN @ Jun 4 2018, 05:12 PM)
they say HLB now offer the best rate for new car  in market < 2.6% ... true?
*
QUOTE(ZeneticX @ Jun 4 2018, 06:11 PM)
not sure how true is this but based on the reply above, they tend to offer lower amount of loan

I applied for 44k for 7 years (car price total 51k) last thursday, today agent call back ask me whether willing to take 80% loan is which is around 40k doh.gif otherwise have to get guarantor

my agent help me to appeal now but if still same I'll just apply other banks
*
got my loan approved just now

43k for 7 years (top up 1k for dp which is still reasonable for me)
2.63%

but need wait until end of month only got car

This post has been edited by ZeneticX: Jun 5 2018, 04:48 PM
ZeneticX
post Jun 5 2018, 05:00 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(Asus @ Jun 5 2018, 04:53 PM)
interesting to know the outcome of your application..wanna see if the ctos score really help in applying for loans and give better interest rate
*
my ctos score is 729, but granted I'm only a fresh grad who just started working for 6 months, no other loans except a credit card with 6k limit
ZeneticX
post Jun 5 2018, 05:25 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(Asus @ Jun 5 2018, 05:08 PM)
what car are you getting?
*
Picanto
ZeneticX
post Jun 6 2018, 03:03 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(sozai89 @ Jun 6 2018, 02:31 PM)
Apply loan for 80k but at the end approve 71.5k from.hlb 9 years 2.6%
Wonder why like this ? Or hlb quite strict ? Like public bank and Maybank is more easy to get full?
Or others bank is more easy?
*
tell your agent to appeal, maybe try 78 or 79k

if still same then just go other banks
ZeneticX
post Jun 6 2018, 05:11 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(sozai89 @ Jun 6 2018, 04:10 PM)
Can appeal? I ask my agent say bank there any fix
*
i applied for 44k for 7 years, they came back with 40k for 7 years, otherwise need to get guarantor

my agent appealed for me, came back with 43k for 7 years which I aceepted


if your agent say cannot appeal just move on to other banks
ZeneticX
post Jun 6 2018, 08:29 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(seankeith90 @ Jun 6 2018, 06:12 PM)
Do you guys normally sign the Loan agreement before the car stock is secured for u? Some SA not sure when to get the stock but suggest to sign the agreement first
*
no harms signing if you agree with the loan rate and most importantly trust your SA

you won't be paying your instalments until you receive your car

This post has been edited by ZeneticX: Jun 6 2018, 08:29 PM
ZeneticX
post Jun 19 2018, 07:51 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(whippy @ Jun 19 2018, 07:31 PM)
Getting a new Persona with 40k loan x 7 years
A lot of SAs quote me between 3.1-3.2%

Is it possible to get lower?
*
local car seldom can get below 3%, considered lucky to even get 2.8 or 2.9
ZeneticX
post Jun 25 2018, 07:47 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
49k
7 years
2.6%
HLB
ZeneticX
post Jul 19 2018, 10:19 AM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(WEE2000 @ Jul 19 2018, 10:01 AM)
perhaps u should try few more banks. 3.xx is quite high for a new car
*
very hard for local cars to get below 3%

best i've seen is 2.9
ZeneticX
post Jun 16 2020, 05:54 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
79k for 9 years @ 2.44% from HLB

Yaris G

Good to go?

This post has been edited by ZeneticX: Jun 16 2020, 06:01 PM
ZeneticX
post May 29 2021, 09:23 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
Anyone can let me know the approx rate bank will usually give for recon car? Is it following new car rate since recon car is considered unreg?
ZeneticX
post Sep 22 2022, 03:40 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
QUOTE(Icehart @ Sep 22 2022, 03:30 PM)
No wonder.
Lower rate due to green financing.
*
Does it applies to normal hybrids as well or only PHEV and EV?
ZeneticX
post Aug 22 2024, 02:05 PM

stars for what
********
All Stars
12,413 posts

Joined: Jan 2008
From: KL - Cardiff - Subang - Sydney
CX30 High+ Premium

148k 7 years

PBB - 2.41%
HLB - 2.41%
Muamalat - 2.5%

PBB and HLB rate surprisingly low... was expecting Muamalat to be the lowest
« Next Oldest · The Fast & The Furious · Next Newest »
 

Add ReplyOptions
 

Change to:
| Lo-Fi Version
 0.0671sec    0.81    7 queries    GZIP Disabled
Time is now: 4th December 2025 - 06:09 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.