Bro nk tanye, loan al rajhi u submit ur self or the shop help to submit for u?

I call bank, die ckp get invoice from shop then submit urself for approval.

I ask shop, they promote Aeon and Loan kedai. But if I want al rajhi then they said they can do also on behalf.
I just worried mana tau die adjust higher interest so that i take Aeon or their loan.
baru 1st time mau apply

katakan lah harga CBR650F tu RM 40k

dan kau buat loan 5% interest utk 5 tahun = agak2 dalam RM 850 sebulan bayar

RM 1,000 utk insurans setahun
RM300 utk road tax
4 kali servis setahun = sekali servis = RM 250 x 4 = RM 1,000

jadi setahun belanja utk mentenen, insurans dan road tax = RM 2,300 = RM 200 sebulan

minyak pulak RM 300 sebulan

jadi bulan2, kau belanja RM 850 + RM 200 + RM 300 = RM 1,350

cincai2 kau agak2 lah dalam RM 1,400 sebulan belanja moto

mengikut formulasi aku, kau kena ada gaji RM 14,000 sebulan baru mampu kot

takkan ada moto je. kete pun mesti ada. nak mentenen awek lagi. duit kasi mak bapak kat umah. sewa umah / beli umah. simpanan utk kawen.

so, min RM 14k per month salary baru cukup
oh wai...

pencek ?

penyet?
ayam penyet