Manyak panas the thread since yesterday. Cool bros and sis (??)...
I think correct procedure shud be get the chassis number then sign loan. Then when u receive the car, make sure is same as the chassis number stated in r agreement. Therefore no question of showroom car test drive car etc..
If not mistaken, once bank get back ur signed agreement with ur chassis number, then only they will give the hak milik letter (or some letter) to u (or ur SA) to register the car with JPJ. U take loan from the bank ma, of cos they must know that they really disbursing money to a car that really exists.
Then once ur SA settle the insurance (NCD transfer and all that), go to buy ur plate no., together with letter from bank, register at JPJ.... Complete liao then hooray! U can get car from showroom..
But of cos u must settle the downpayment la.... Haha...
Edit: i think even u sign loan without chassis number also no use. Bank cant process and SA will just hold it until get car. Worse still, give u showroom car cos u already sign ma....
Hey Kawan, some ppl sign the loan first and then ask the bank to update the chasis number later. If the chasis number different from the loan agreement, you will "untung lah" mean when you didn't pay for your installment, Bank may not have a right to pull your car since the chasis number is different.
Do you know how long is the process taken from bank to submit the e-hak milik until car registration at JPJ complete with the Geran?