Wow.. everyone do let me know how much your tint cost ya. Will put a price list in first page hehe.
QUOTE(onibaru @ May 10 2012, 05:44 PM)
managed to get my nyam nyam number 7776... paid rm410... plate wws or wwt
Wah congrats onibaru. May i ask what colour is your prius c. I add u to owner list.
QUOTE(tishaban @ May 10 2012, 07:48 PM)
3M is on par with V-Kool I think but RM2600 is way too high for V-Kool. I paid RM1850 for my BMW.
In my personal experience having owned many tints V-Kool is the best, but Solar Gard is the best value, about 80% of V-Kool's performance at 40% of the price.
Added on May 10, 2012, 8:03 pmOT but need to clarify here, don't compare car loan and home loan just based on interest that you see because they're based on different calculations. 2.43% car loan is closer to 5% APR. Your BLR is probably around 4.x% APR so the home loan is almost always cheaper.
Hi tishaban, thanks for your info. Oh mine is not based on this calculation. My housing loan is calculated by i borrow loan of RM600k for a house and repay 30 years. So i repay around RM20k per year for interest and RM20k for principal annually. As by end of day. in Year 30 i pay a total of RM1,200,000.00 with current BLR> And i know first 5 years we pay more interest than principal so i took the total payment i need to pay and divided by years i need to pay.
So interest around 100% per annum for a house.
For Prius C i took this calculation.
I borrow RM90,000.00 loan as car is RM100,00.00 and stretch to 9 years. So monthly i pay around RM1,028.00 per month. And by end of 9 years i pay total of RM111,024.00. And if you take the interest amount is around RM21,024.00. The you divide the total interest of RM21,024.00 by 9 years and you get RM2,336.00 per annum and divide by 12 months i pay RM194.67 for interest monthly. Compare to amount i pay monthly of RM1,028 monthly the % of real interest i pay is around 18.9% of total monthly payment i pay compare to 100% i pay for my houses.
Of course we need to calculate NPV but i took the total repayment by end of the years and divided by no of years and also the total interest i need to pay throughout the tenure.
And of course if i pay off earlier i can save more interest in housing loan by doing a flexi home loan package which im doing it now. Hehe.
If you need my detail calculation. I dont mind sharing. Just pm me your email and i sent you file how i work it out.
And for this i assume inflation rate and time value of money is constant as we are both comparing loan for a long period. Of course if we do APV it seem housing cheaper but dont forget we pay longer for our house.
Maybe you pay lesser but I'm just a normal person striving for living so can't afford to pay housing loan at fastest rate. Just kidding. No harsh feeling ya. Just sharing out why my calculation different than other ppl.
If only i can borrow corporate loan like my boss it will be perfect which is KLLIBOR plus margin so around 3.4% p.a for short term revolving credit facility. But as they say the richer u are cost of debt is superb cheap. Hence rich get richer and middle ppl get poorer as days goes by.
Or maybe you can work out a package of housing loan cheaper than car loan and share with us. I would like to learn more as well. As my calculation may have flaw in it.
QUOTE(fizlan75 @ May 10 2012, 09:32 PM)
Wow! That's great

It just like the UMW SA told
Wow. what you mean Fizlan ?
This post has been edited by timeonce: May 10 2012, 10:27 PM