QUOTE(hongzheng @ Jun 28 2016, 06:03 PM)
» Click to show Spoiler - click again to hide... «
what is the interest rate you all getting for your used car loan? i know on paper most bank can go lowest 3.4-3.5%. But when it is done through car dealer it is complicated.
i get an offer from Hong Leong 3.7% for 7 years, small loan amount below 50k.
wanted to get maybank but the sales man says maybank do not layan small amount used car loan,
Ambank were so tedious asking so many question, until your neighbour gold fish also they want to know the name, kiasi betui
my guess is that the sales man only apply bank following his own interest...
usually the sales man will always prefer certain banks and certain insurance brands because they get kickbacks/benefits from them.
of course if u ask they'll give u all sorts of bullshit reasons.
QUOTE(Drian @ Jun 28 2016, 06:23 PM)
» Click to show Spoiler - click again to hide... «
Planning to get a car for my wife, this is a second car and only will be driving to work and fetching my son from baby sitter. Her yearly mileage is only 6k so I don't think it's worth it to get new. The usage is too low to justify a new car.
However I would like the car to be safe, big enough for a car seat, have isofix and the boot big enough to say put a stroller.
What do you think of Iriz , vs polo sedan (1.6a, normal auto gearbox) ? Any other car in the equation? Currently driving 2003 vios (vios is really reliable btw).
Polo Sedan/Hatch iinm stock clearance price would be around RM50k - RM65K.
Both would have ISOFIX seats.
The hatch doesn't have as big a boot for shouldn't be an issue putting a stroller inside, infact putting stuff like stroller in hatches is easier because of the lower tailgate for sedans you've gotta lift it high then drop it in (kills your back), and unless you've got twins and using a twinstroller the hatch would be spacious enough.
Safety wise it is pretty good with 4 airbags, brake assist, ABS, and stability control.
QUOTE(rainning @ Jun 28 2016, 10:45 PM)
» Click to show Spoiler - click again to hide... «
1. Brand : Mazda 2 or Suzuki Swift
2. Budget : < 50k
3. New/Used/Unreg : used
4. Specs : -
5. Transmission : auto
6. NA or FI : -
7. Type : hatchback 5 seats
8. Remarks : car not more than 5 years old
Hi all currently i surveying this 2 type of car , any other suggestion ?
They're both decent cars.
Any reason why these two in particular?
QUOTE(nelsonmui87 @ Jun 29 2016, 10:11 AM)
» Click to show Spoiler - click again to hide... «
Hi morning, every sifu.
Having 2 questions regarding Used Camry .
1. Camry 2007 pre-facelift (ACV40) vs 2009 facelift (ACV40 Face Lift)? Any advice?
View both car. Found the following difference.
A. Keyless entry & Push Start & Better look of car key
B. HID headlamp vs XENON. (What's the difference? Does HID visibility is better a lot than XENON?)
C. Auto dimming rear view mirror (For me is nothing)
D. New Grill, bumper, Rear lamp (didn't found the difference yet, except rear lamp)
E. New player that compatible with reverse camera (This is a must to me, because is my wife driving, she insist need camera, so will install aftermarket if stock doesn't come with this, any advice for model and price?)
F. Price. 2008 pre-facelift around RM70k vs 2010 facelift around RM90k.
2. Car color. Prefer white color. Does this pearl white hard to maintains? So far I found there's only several white camry for sell in JB area.
A. These are just additional fancy stuff. I don't think they are critical so it is up to your taste.
B. For me HID is better and brighter. You wanna go aftermarket route a HID kit can cost anywhere from RM250 to RM800.
C. Not really critical I guess, up to your taste.
D. Not really critical I guess, up to your taste.
E. Just my dua sen, I've installed aftermarket ones before and the price can be very cheap. The rear camera price starts from RM50 onwards and a basic player that can play video/mp3/and use the rear camera starts off at RM300 for china brands. So it isn't really that expensive but the quality and installation isn't as good as OEM. The OEM installed camera you can fully 100% trust the guidelines and alignments, for aftermarket installation I guess 70% for cheapo ones and about 95% for real good ones and installer does a good job.
F. I guess basically the important bits are the HID lights and player, so you can think is it better to pay the extra 20k for everything OEM or you wanna do aftermarket route?
G. Not really, for me I don't find any problems with any color. My usual regiment is bringing it to the RM10 car wash once a week. RM50-80 Wax and polish once in 2-3 months. Never had any paint issues.
QUOTE(tekplyrX @ Jun 29 2016, 12:49 PM)
» Click to show Spoiler - click again to hide... «
Hello sifus,
If I want to buy a 2nd hand car (cash not loan). How much "extra" do I need to have in hand to cover the other expenses (e.g. insurance, change of ownership, inspections e.t.c)? In particular i am considering this one
bmw e46 320i
1. First of all, is your Seller still owing the bank any money? If so, he needs to do a settlement with the bank first. You probably need to make an agreement with him that you write a cheque and get him to settle the bank loan first. Within a week, the car will be ready for transfer.
2. Seller to proceed to Puspakom to have his car checked. He need to provide you with the B5 (for JPJ transfer). This will cost him RM30. Or he can get a runner to do it, add about RM100 (he will bear it all).
3. You need to purchase the insurance for the car. You can use
iMoney to get more information on this and compare before going to the insurance agent/office.
4. Bring your Puspakom documents and Insurance cover note and proceed to JPJ to complete the transfer.
a) Both Seller and Buyer must be present. If not, you need to get a commissioner of oaths to verify the absent parties on a Borang Akuan (
JPJ-SAB01 and
JPJ-SAB02). Write a simple authorization letter for a representative along with photocopies of his identification card.
b) Fill up Borang
TM-1 and two copies of
JPJ-K3.
c) Transfer costs is borne by the Buyer (i.e. you) and should cost RM100. If you do not have the time, you can hire a runner to do it (add about RM200).
5. Once done, you pay the Seller the rest of the money owed and Seller will hand over the car and keys to you. This can also happen in step 1, depending on your arrangement with your Seller.
sos