3 days to 1 week?

Your SA didn't help you follow-up is it?

Rate wise, Pubic is quite competitive. So, either you go 1 Malaysia(Cina India Malay Banggalah) bank or Am for slightly easier approval, but also more expansive on interest rate

If interest low in public bank then its okay~
HELLO EVERYONE!!!

Long time no see

I know you prolly have your reasons, but I need to ask: RM33k and RM34k is just 1k difference, can't borrow RM1k from your dad and pay him back later?

Ah I see  good luck then

Change bank?
I wanted to try Maybank too because my salary is credited through Maybank every month but my SA said Maybank has higher interest rate compared to others.
Not sure how true is that, you can try though.

You can try. My Maybank2Card was invited by them, called to offer me but I didn't go for them for loan.

If not, save another month for RM 1k?

Plotong car loan is the easiest, usually can do full loan at all with any banks.

It's not entirely a bad idea for MayBank if you have all the quality as you mentioned. However, interest rate is kinda anal, other than that their approval criteria is kinda insane as well. Bear in mind, bank greatly relying on their customer's debts to make profit. Hence, if you have clean credit card record, your bank is going to hesitate to lend you more. If you have direct salary banked into the same bank, rest assured the bank know your general ledger inside out, where you spend those cash, how many standing instruction monthly fixed expanses, all within their assessment. If you ask me as a bank officer, hell I will definitely do the same like Pubic bank, approve your loan at lower sum, make u shorten repayment with higher interest rate

On the contrary, should you smart enough to drag 1 or 2 months of your credit card, leave some unsettle balance in the car, like 200~300 debts all the time. You'll get loan approval immediately no question asked! I'm saying you should continue service a small debt, I didn't ask you skip payment. Skip payment will kena CTOS, loan will kena reject.

The hell?!
You are now digging your own graveyard.
Let me put in a blunt way. Don't get a credit card if you cannot afford. Full stop.

I don't know what sorcery is this...
You only need to have credit history, you don't need to be in debt.

If like this, my car loan will not be approved from the first day. I have never owed back a single cent.
Even I checked with bank on the possibilities to get house loan, they said I shouldn't have any issue for this. I'm getting my own house next year. I'm too poor for now.

Sorry guys. I know I'm a bit harsh.
Because I will never encourage people to pay minimum amount or late payment since young days.

My second sister was a classic example and she was in a great debt before. She took 5 years to pay back to my aunt because my aunt helped her to pay everything to the banks.

Now only she started to have some savings. She only had RM 100 every month for 5 years but luckily she stayed at PD home. So food and accommodation were saved. RM 100 for her petrol because she needs car to work.

I have received calls from lawyers and etc. Banks la whatever you can think of. Luckily not loan sharks.

Then, sorry that means you cannot afford to have so many things at one time.

Communication. Tak cakap mana tau.
Though my parents know how much I earn every month, I'm being frank to them how much I can give them because I still need savings for my own house.
They are OK with RM 800 from me every month.

They are happy, I'm happy.

2.85 is ok ah... very low.

booking fee paid = 0

D/P paid: 4,500 (10% of RM 44,995).

Whats wrong with TRD









+50hp
Wah! My komani gib u so gud rate ar? Which branch apply geh?! Tibai ayam gonna get them revise the loan rate liao Faster go make downpaymen liao. My komani seldom gib so gud rate, like I mentioned on previous post.

yalo... i also shocked to see such rate coming from AMBank.

When I TRIED to sell cars last time, AmBank is only good for those 100% loan and usually the interest will be super duper high.