Latest Car Loan Rate 2012-2021| 2021
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 Aug 11 2013, 11:20 AM
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#1
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Senior Member
6,483 posts Joined: Apr 2012 
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QUOTE(bsm88 @ Aug 11 2013, 10:08 AM) Hi, can someone kind enuf advice what is the latest used car interest rates? I heard that is about 3.8% interest rate for second hand carI am planning to get a second hand car. Thanks  Anyone can confirm here as well?? |
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Oct 11 2013, 05:20 PM
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#2
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(metaloid @ Oct 11 2013, 02:50 PM) ambank approved 2.34% 100k 9yrs honda. even though installment is more than 50% my salary lol. 50% of your salary also can get approved from bank!!??  haha  |
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Dec 18 2013, 12:59 AM
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#3
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Senior Member
6,483 posts Joined: Apr 2012
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loan 81k Ambank, interest 2.37% with 9 years
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Jan 17 2014, 11:35 PM
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#4
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(terrior147 @ Jan 17 2014, 11:23 PM) 85k loan from Ambank, 2.29%, 9 years. Better than Affin which offers 2.38% This is good offer by amBank for you... I have loan 81k from same bank, but the interest was 2.37%, 9 years |
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Nov 13 2015, 01:02 PM
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#5
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Senior Member
6,483 posts Joined: Apr 2012
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Wanna check with you guys, if the person be the guarantor, is it will effect the quote of loan application on next time for that guarantor??
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Nov 13 2015, 04:18 PM
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#6
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(anarchy04 @ Nov 13 2015, 03:48 PM) AFAIK, for HP loan (not house loan) it wont effect guarantor's CCRIS. No problem for future application. Unless the person didn't pay loan & blacklisted. Then it will appear into guarantor's CTOS. Alright thanks for your sharing If the bank asking to provide guarantor, it is an indication that that the person's CCRIS not good/high commitment/high margin compare to salary etc. Bank also will ask guarantor if the person's salary is not fixed (salesman/freelance/offshore etc.) Before u agree to be a guarantor, make sure he/she is able & willing to pay the debt.  |
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Feb 11 2017, 10:13 AM
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#7
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(mastedo @ Feb 11 2017, 10:00 AM) Loan 116k New car purchased ?Ambank 9 years. 3.0% Bank said because i never had history pay loan before. Before this car loan application, do you using any credit card ? Back to 4 years ago, I have applied car loan with AmBank too, and they didn't mention about this to me |
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Feb 11 2017, 11:52 AM
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#8
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(jhleo1 @ Feb 11 2017, 11:46 AM) No payment loan history meant good right? Scare to accept new kid? Actually no payment recorded is consider as like "fresh paper", so bank unable to identify whether or not you are in good payment.Therefore, with payment history with good payment is important when you applying loan (car/Housing) |
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Jun 6 2018, 07:41 PM
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#9
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Senior Member
6,483 posts Joined: Apr 2012
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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 My scenario totally different, SA said no need rush to apply loan first before knowing the stock to be assigned |
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Jun 6 2018, 08:28 PM
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#10
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(sgpdsmss @ Jun 6 2018, 08:25 PM) now every where no stock ...selling like hot cake during this 0 gst period ... Because unsure when stock assign, within Jul or Aug money come 1ST Serve ... let say stock assign after sst implemented ...so you still slow slow to apply loan ? Ya, therefore I insist want to apply loan first... now waiting to be call from bank |
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Jun 20 2018, 05:51 PM
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#11
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(greyshadow @ Jun 20 2018, 04:59 PM) RM100K for 7 years You guys submitted by yourself to the bank or Salesman is helping ?HLB quoted me 2.52% PBB quoted me 2.44% show PBB quote to HLB, they matched that rate for me  I go with HLB cos easier for me to make payment  |
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Jul 12 2018, 04:54 PM
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#12
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(mushigen @ Jul 12 2018, 04:09 PM) Guys, will the bank inform the applicant if loan is rejected or not approved? Didn't received any call but SMS sent to me for loan approved.By the way, it is from Maybank |
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Jul 26 2022, 06:53 PM
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#13
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Senior Member
6,483 posts Joined: Apr 2012
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Loan amount RM66,800, 9 years 2.29% with Maybank back in May.
And revised interest rate to 2.81% in this month |
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Jul 28 2022, 10:55 AM
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#14
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(Icehart @ Jul 26 2022, 07:53 PM) Ooh what car? Just got 190k 2.61% 9 years |
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Sep 8 2022, 07:38 PM
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#15
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(isr25 @ Sep 8 2022, 05:45 PM) So with OPR increased, surely car loan rates will go up Expected to be raised on this Sep month and now waiting for loan application, hope not too high |
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Feb 3 2023, 08:02 PM
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#16
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(soul78 @ Jan 27 2023, 11:34 AM) That's just too lenient , should just be 5yrs max. Depend on individual, I will always go to max like 9 years, if you can earn the money higher than the Bank interest, then why not? House 15 years max... If you need more time to pay off that means you do not qualify!... Max 9 years not meant you are not qualify, you know what is your financial condition right, don’t need to justify people, you could disagree the statement but I just calculate at your own that is good enough I would say |
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Mar 30 2023, 03:15 PM
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#17
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(canjeth @ Mar 30 2023, 10:11 AM) My question is how will customer be informed of loan approval. Will the banker inform customer directly or salesperson will inform customer instead? If you see "Pending Acceptance by Customer" in your eCCRIS, mean loan is approved or for those who don't have ccris account, they can ask banker or direct call bank And loan application was submitted by salesperson to bank. Not possible for bank submit to itself without a 3rd party. I would say banker should keep applicant informed, some really did a good job, some seem like don't care. From my experience, I check myself faster |
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