depends on those who want to be cash rich or "debt deep"...hahaha
if u earn 5k/month, but drive viva, you are saving more cash
use cash grow cash
Latest Car Loan Rate 2012-2021| 2021
Latest Car Loan Rate 2012-2021| 2021
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Feb 17 2012, 10:42 PM
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#1
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
depends on those who want to be cash rich or "debt deep"...hahaha
if u earn 5k/month, but drive viva, you are saving more cash use cash grow cash |
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Feb 22 2012, 12:57 PM
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#2
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
QUOTE(eistern @ Feb 19 2012, 03:11 PM) that is a good value car. hope the premium variant is less than or around 70k.with 4k/mth and a baby coming soon, is your spouse working? if yes then ok if you have house loan or other commitment then maybe need to reconsider. for 4k-5k salary, if u are single, and no other commitment, will be more comfortable for this car loan Added on February 22, 2012, 1:03 pm QUOTE(reapertiew @ Feb 19 2012, 01:34 PM) they said after election car tax will be reduce This post has been edited by stargate8: Feb 22 2012, 01:03 PM |
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Feb 23 2012, 09:23 PM
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#3
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
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Mar 7 2012, 09:27 AM
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#4
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
what is the lowest rate for national car?
45K - 5yrs 65K - 5yrs and 7yrs. |
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Apr 8 2012, 12:11 PM
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#5
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
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Apr 8 2012, 11:34 PM
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#6
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
depends on loan amount, loan years, credit history, salary...
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Apr 10 2012, 08:48 AM
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#7
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
QUOTE(nagapelangi @ Apr 10 2012, 02:51 AM) Guys, need some advise here. if this is your first car, is a good choice, save up more cash for bigger purchase later such as, a house.My salary is rm 3k. now 7 months into my job, monthly i save around rm1500 nett after food and rent. at first thinking to buy a used Mazda/Honda/Toyota, the loan would set me back easily around rm800 per month. but after some mature financial thinking, i think im just gonna buy a second hand Wira Mivec 1.5, price range 12k to 18k. With a bit of downpayment, monthly i would be paying rm150-rm200. Good choice or not? Petrol is no problem, coz i often go site visit to the construction site. After claim, can get around rm300 per month. get someone to check the car if you don't know about cars. used car tend to have some repair here n there. |
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Apr 24 2012, 10:19 AM
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#8
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
if it's fixed for 9yrs, its really too good to be true.
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Jun 10 2012, 06:56 PM
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#9
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
QUOTE(crazeepunk @ Jun 10 2012, 05:50 PM) Hi gurus, usually the lesser the loan amount the higher interest rate would be.I would like to ask if I wanna buy Kia Forte Koup(ard 115k) and my basic is 4.3k with no other commitments, what interest can I get for 7 years . If i put 10% downpayment or 50% downpayment got difference in the loan rates? Thanks you better check with your banker |
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Jun 10 2012, 07:28 PM
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#10
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
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Jun 10 2012, 08:20 PM
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#11
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
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Jun 12 2012, 11:45 PM
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#12
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
QUOTE(cutejams2004 @ Jun 12 2012, 11:35 PM) i recently planned to get a car and my loan was approved from RHB, However, now i wish to switch the car dealer and the new dealer said I can get my approved loan to be transferred over since I did not sign anything yet. The new dealer is in the process to do so, but somehow the previous car dealer got to know. Both are perodua dealers by the way. Now the old dealer is kind harassing us by calling off and on to tell us they'll match whatever offer given by the new dealer but would not allow the loan to be transferred. the dealer has no right to stop you from changing dealer, you may call perodua and report this SA.Can the car dealer do so since the loan approval is by right subjected to the bank's approval? but why change dealer? due to better offer? |
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Jun 13 2012, 12:20 AM
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#13
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
QUOTE(cutejams2004 @ Jun 12 2012, 11:53 PM) Yups better offer. Actually I did try to nego with the intial dealer but the SA had the guts to tell me the other dealer is just offering loads of freebies and additional discount of 1K to attract me...I was like well you may tell your new SA to apply new loan with other bank.I just want to have my loan which is already approved by rhb to be transferred to the other dealer... when buying new car, you may have multiple bank approved your loan application, but still your right to choose. getting new car loan approve only few days,not point wasting time to get your previous SA to transfer the loan. |
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Jun 13 2012, 12:37 AM
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#14
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
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Jul 26 2012, 11:38 PM
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#15
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
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Jul 27 2012, 07:47 PM
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#16
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1,224 posts Joined: Nov 2009 From: Kuching + KL |
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Jul 29 2012, 12:33 PM
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#17
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