Sep 10 2012, 07:09 PM
QUOTE(hey_there @ Sep 8 2012, 04:12 AM)
Hi all, I need some help
I bought my 1st car in 2006. 4 years old Proton iswara. I took a 5 years loan. I've finished my loan last year. I dont plan to change to a new car but until recently, I realised that I've spent average 400/mth on fixing it. I've just spent rm650 last week. I'm tired of fixing it thus, I plan to buy a new car.
I'm not that type of person who change cars every 3-5 years. I'll be driving my car until it koyak after 10 years.
My question is, should I buy a used car or new car? I don't have to travel outstation for work, the most, I travel back and forth from kl - pj. I'm intrerested in nissan's almera (80k) which will be out soon or a used vios (rm50k). I would like to buy an international car rather than local cars. I don't want to spend too much on car loan as I'm planning to buy a house. Since there's pros and cons in taking 5 years or 9 years loan, so I decided to take 7 years. Not too long and yet not too short. If I buy a used car, I can have more money to spend buying a house.
Assuming that a car's life span is 10 years, by the time I finish my 7 years installments, the used car will be more than 10 years old (assuming that I buy a 4 year old used car) and right after my installments, I'll have to start a new installments for a new car cos the car will then be 11 years old. If I buy a new car now, after my 7 year installments, I still have 3 years of driving without paying any loan.
I can afford both cars just that I don't want to spend so much on depreciating cars and yet, I want the comfort of travelling to work. Err, hope u guys understand what I'm trying to refer here...
Btw, anyone knows the int rate for new Nissan and used vios for 7 years? I heard someone saying about Nissan has higher int rate. Is it true? If yes, why?
Hi,I bought my 1st car in 2006. 4 years old Proton iswara. I took a 5 years loan. I've finished my loan last year. I dont plan to change to a new car but until recently, I realised that I've spent average 400/mth on fixing it. I've just spent rm650 last week. I'm tired of fixing it thus, I plan to buy a new car.
I'm not that type of person who change cars every 3-5 years. I'll be driving my car until it koyak after 10 years.
My question is, should I buy a used car or new car? I don't have to travel outstation for work, the most, I travel back and forth from kl - pj. I'm intrerested in nissan's almera (80k) which will be out soon or a used vios (rm50k). I would like to buy an international car rather than local cars. I don't want to spend too much on car loan as I'm planning to buy a house. Since there's pros and cons in taking 5 years or 9 years loan, so I decided to take 7 years. Not too long and yet not too short. If I buy a used car, I can have more money to spend buying a house.
Assuming that a car's life span is 10 years, by the time I finish my 7 years installments, the used car will be more than 10 years old (assuming that I buy a 4 year old used car) and right after my installments, I'll have to start a new installments for a new car cos the car will then be 11 years old. If I buy a new car now, after my 7 year installments, I still have 3 years of driving without paying any loan.
I can afford both cars just that I don't want to spend so much on depreciating cars and yet, I want the comfort of travelling to work. Err, hope u guys understand what I'm trying to refer here...
Btw, anyone knows the int rate for new Nissan and used vios for 7 years? I heard someone saying about Nissan has higher int rate. Is it true? If yes, why?
Let me share some experience together, i have been using brand new car like Proton Iswara, Proton wira, proton Waja when i was young, the local car will gave you peoblem after 3 years, although not a major problem, but minor problem like the window can 't wind up, alot of sound will surface when it getting older, like some lossen screw here and they, and most importantly is the noice, vibration and hardness.
After owning a Waja of two year, due to alot of problem, like water leak into car seat, engine suddenly stop at the middle of of driving. After all , decided to loo for a CBU Japanese car, In my mind this car need to be my work horse for my next 10 years, after looking around and abit help from my friend, decided to buy a A32 Nissan Cefiro, 2.0, outlook at that time still quite impressive to me, quite a big and conformtable car to drive, a 6 year used car with 63k mileage only. I trade in my Waja, and topup abit and took 1 year loan , thus i am loan free for another 9 year. This car still with me after own it for 10 years. The experience was much more comfortable, easy to maintenance, spare part easy to source fr chop shop, even change a GB it coat me 1.2k only.
For the sake of value buy, i would suggested buy a car that is CBU fr Japan instead of CKD locally, the superior in QC is far ahead from local CKD car. Please also look at the car mileage, if for 4-5 year used car, it shall not <70k mileage, for the light car user, it shall be <15k each year, for sales man car, it shall be> 25k a year. and i also believed a car price which is more than 100k( when new car price), is worth to consider rathar than a new car of 80k. The CKD car life span is far longer, at least up to 15 years IMHO.
If you are doing Sales, a new car is prefer, while for normal working adult, a good and reliable used car is not a problem at all. For the sake of conformtable, you can look for Nissan Sentra 1.6 or 1.8 4-5 year old, is more spacer and comfortable compare to Vois.
For 2nd hand car, the current HP rate is 3.71%.
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