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> dilemma utk lepaskan myvi aku tukar keta baru, loan da approve.. banker da suh sain

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SUSTY-TY
post Jan 14 2013, 03:48 PM

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335K loan , 3K monthly repayment !!! for 9 years ??

kalo saya, baik gi beli umah, nanti hang keta ni
dua tahun lagi value drop 50% taw ?





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TSCetak Tak Mati
post Jan 14 2013, 03:48 PM

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QUOTE(princezs @ Jan 14 2013, 03:32 PM)
This post has been edited by Cetak Tak Mati: Today, 03:25 PM
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lek la bro aku ni bukan jenis yang suka riak dan takbur. hanya sekadar ingin berkongsi pengalaman dan ilmu bersama para2 ilmuan kopitiam

amik loan 9 tahun kurang sikit bulanan ... sbb ak pikir nanti kereta nak kena ada servis,mentenan,minyak,roadtax dan insuran.. sbb insuran saje da lebih seribu .. belum kira roadtax.. tahun2 kena bayar. nanti ketat pulak takle lepak makan kat pelita atau kayu ==
SUSDucki3s
post Jan 14 2013, 03:49 PM

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Lol, org bodoh je beli kereta mahal Tarik 9 tahun lol..

Kalau tak mampu jgn beli, ini mentality "biar papa asal gaya"
heavenly91
post Jan 14 2013, 03:51 PM

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Mercedes E Class Coupe

No need secret secret la.
Opinion saya.
You tak ada wang nak beli kete jangan beli la.
Orang paling maksimum pun ambik 5 years loan.
You pulak ambik 9 tahun.

You ingat kete you boleh tahan 9 tahun?
Biasanya kete lifespan 5 tahun.
placenta
post Jan 14 2013, 03:53 PM

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sepatutnya xpayah tukar kereta. pakai sahaja kereta tu sampai habis bayar. seronok pakai kereta dah habis bayar.
ruzainiazfar
post Jan 14 2013, 03:54 PM

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beli cash le kalau masyuk.. loan buat apa
TSCetak Tak Mati
post Jan 14 2013, 03:54 PM

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QUOTE(heavenly91 @ Jan 14 2013, 03:51 PM)
Mercedes E Class Coupe

No need secret secret la.
Opinion saya.
You tak ada wang nak beli kete jangan beli la.
Orang paling maksimum pun ambik 5 years loan.
You pulak ambik 9 tahun.

You ingat kete you boleh tahan 9 tahun?
Biasanya kete lifespan 5 tahun.
*
mane u tau saya tak ada wang =.=

QUOTE(placenta @ Jan 14 2013, 03:53 PM)
sepatutnya xpayah tukar kereta. pakai sahaja kereta tu sampai habis bayar. seronok pakai kereta dah habis bayar.
*
myvi da abis bayar pon dulu beli cash =.=
ruzainiazfar
post Jan 14 2013, 03:55 PM

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QUOTE(heavenly91 @ Jan 14 2013, 04:51 PM)
Mercedes E Class Coupe

No need secret secret la.
Opinion saya.
You tak ada wang nak beli kete jangan beli la.
Orang paling maksimum pun ambik 5 years loan.
You pulak ambik 9 tahun.

You ingat kete you boleh tahan 9 tahun?
Biasanya kete lifespan 5 tahun.
*
rclxms.gif rclxms.gif
TSCetak Tak Mati
post Jan 14 2013, 03:57 PM

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tau la korang semua kaya jgn la hina aku sampai macam ni sekali , aku nak merasa keta baru jugak, dulu aku naik myvi org hina aku skrng tukar keta pon orang hina aku jugak . susah betul nak please org kopitiam ni
heavenly91
post Jan 14 2013, 03:57 PM

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QUOTE(Cetak Tak Mati @ Jan 14 2013, 03:54 PM)
mane u tau saya tak ada wang =.=
myvi da abis bayar pon dulu beli cash =.=
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U ambik 9 year loan.
U bagi bank gembira sebab u punya wang semua kasi dia makan interest.
Buat apa bagi bank gembira?

F the bank.
Jika u mahu beli baik 5 years loan.
placenta
post Jan 14 2013, 03:58 PM

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QUOTE(Cetak Tak Mati @ Jan 14 2013, 03:54 PM)
mane u tau saya tak ada wang =.=
myvi da abis bayar pon dulu beli cash =.=
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guna je la myvi tu. enjin pun ok kan? buat apa membazir? kalau byk sgt duit, beli la rumah banyak2. buat properties. kereta ni utk travelling, xpayah fikir sgt.
TSCetak Tak Mati
post Jan 14 2013, 04:00 PM

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QUOTE(heavenly91 @ Jan 14 2013, 03:57 PM)
U ambik 9 year loan.
U bagi bank gembira sebab u punya wang semua kasi dia makan interest.
Buat apa bagi bank gembira?

F the bank.
Jika u mahu beli baik 5 years loan.
*
mula2 nak amik 5 year loan tapi lepas kira2 , bulanan kena bayar 5k . so pas pikir balik, 2k tu baik simpan esk cukup 5 tahun da jadi 120k+ bole buat kawin ke downpayment keta lain ke

ada rezeki bole beli keta empat pintu pulak

This post has been edited by Cetak Tak Mati: Jan 14 2013, 04:05 PM
TSCetak Tak Mati
post Jan 14 2013, 04:01 PM

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QUOTE(placenta @ Jan 14 2013, 03:58 PM)
guna je la myvi tu. enjin pun ok kan? buat apa membazir? kalau byk sgt duit, beli la rumah banyak2. buat properties. kereta ni utk travelling, xpayah fikir sgt.
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tapi aku ni jenis berkelana bukan duduk setempat aku merayau merata2 ke utara, keselatan , ketimur, kebarat semua aku menetap. lebih 50 peratus kehidupan aku dihabiskan di jalan raya , travelling sana sini. keta ni da sebati dengan aku.. myvi aku pakai 2 tahun lebih pon da dekat 200k km

This post has been edited by Cetak Tak Mati: Jan 14 2013, 04:06 PM
heavenly91
post Jan 14 2013, 04:02 PM

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QUOTE(Cetak Tak Mati @ Jan 14 2013, 04:00 PM)
mula2 nak amik 5 year loan tapi lepas kira2 , bulanan kena bayar 5k . so pas pikir balik, 2k tu baik simpan esk cukup 5 tahun da jadi 120k+ bole buat kawin ke downpayment keta lain ke
*
65k kasi bank makan
I tak tau apa u pikir bang.
Anyways enjoy u punya new Mercs k?
cheers.gif cheers.gif cheers.gif
Battle-Hardened
post Jan 14 2013, 04:02 PM

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Oh my... 9-year loan! Don't know what emergencies you gonna encounter within this loan period. Mati oooo mau layan ini loan!

Accepting depreciating liabilities is a bad financial decision & planning unless you buy under company's name for tax purposes.
soultaker
post Jan 14 2013, 04:03 PM

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TS, baik u saving semua duit tu lg 1-2 tahun, pastu beli cash je.. lg untung..
TSCetak Tak Mati
post Jan 14 2013, 04:03 PM

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QUOTE(Battle-Hardened @ Jan 14 2013, 04:02 PM)
Oh my... 9-year loan! Don't know what emergencies you gonna encounter within this loan period. Mati oooo mau layan ini loan!

Accepting depreciating liabilities is a bad financial decision & planning unless you buy under company's name for tax purposes.
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ko ni dari lembaga hasil ke
maxpudding
post Jan 14 2013, 04:03 PM

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lol kesian tengok pipu liddis
placenta
post Jan 14 2013, 04:04 PM

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QUOTE(Cetak Tak Mati @ Jan 14 2013, 04:01 PM)
tapi aku ni jenis berkelana bukan duduk setempat aku merayau merata2 ke utara, keselatan , ketimur, kebarat semua aku menetap. lebih 50 peratus kehidupan aku dihabiskan di jalan raya , travelling sana sini. keta ni da sebati dengan aku.. myvi aku pakai tahun pon da dekat 200k km
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jadi beli kereta continental akan menyelesaikan masalah? baik pakai myvi tu je. rosak pun murah je nak repair. lg cepat kau dpt kawin anak org. aku rasa kau dah besar, boleh fikir pros and cons, buat lah perhitungan sendiri. kalau aku, aku xtukar kereta.
lucifah
post Jan 14 2013, 04:05 PM

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QUOTE(Cetak Tak Mati @ Jan 14 2013, 03:23 PM)
aritu gua da buat thread tanya pasal nak angkat keta baru.. lepas tolak myvi gua tambah duit utk bayar downpayment 50% utk kereta baru ni.. supaya kurang beban bulanan .. so lepas baca2 tgk pendapat rakan2 kopitiam gua da buat pilihan.. da bayar booking semua skrng cuma tinggal utk sign loan agreement.. tapi masalahnya rasa agak membebankan.. myvi pon ada sayang jugak yerla da pakai dekat 2 tahun kan.. susah senang myvi tu jugak bawak aku kehulu kehilir... patut ke teruskan ? dilemanya la

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yang pangkah2 tu semua tempat banker suruh sain nak sain ke tak paayah?
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hahahah... 108 months repayment? poor fag


kalau nak 9 tahun, sumer org boleh beli keta bai


dari kau derma duit kat bank, baik derma kat rumah anak yatim
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