you can find more in the fb groups,

mostly hovering 2.2 ~ 2.6 some higher some lower. depend what and how they analyze

See how much u loan and its duration

I loan 86k get 2.23% for 7 years from PB and Ambank

Any Sabahan book X50 here ? Any update from your SA ? My SA told me waiting shipment list from HQ.

Anybody know how many proton shipment per month for Sabah ?

72k for 9 years

If you ask financial planner then they probably advise you not to get X50 if you have a house loan and you are thinking about 7-9 years repayment period.

Keep the money for emergency bro especially during covid situation.

But yea the rate is quite low these day, you can easily get 2.21 - 2.28 no problem

most of us have a house loan la...what so common to have housing loan nowadays...

so u mean , got house loan cannot get car loan ?

Lol wutt. I have 500k house 35 years loan, and I still opt for 90% loan 9 years loan for X50. This is a good time to get loan in my opinion since the rate is low, so I can use more money to get higher return in investment. But of course, save some cash for rainy days especially in covid situation like you said.

Depends on the person's Debt Service Ratio.
If the person's DSR is still low even after add in the house loan, then the probability of getting car loan approved is quite high.

These rates are for variable or fixed rate loan?

I thought hire purchase always fixed rate?

Nope. You can have neither.

This post has been edited by MNF0: Jan 16 2021, 01:36 AM

Agree with you, I wished the x50 comes with AWD but too bad it doesn't as not many malaysians are interested to pay extra for AWD & yes there are a few features in the x50 which is useless to me which I wished I had the option to opt out...sunroof to begin with.

It would have been nice if they had configured the executive & premium specs slightly differently like having AEB on the premium & executive models would be a start instead of putting all those safety features for flagship. Anyways it is what it is, still waiting for my car....

Can a basic X50 be upgraded with features of flagship model at a later time?

quite hard especially on the safety package. but why settled with basic when looking for flagship features?

Cos can get basic much faster n got option to upgrade when need arise.

Quite hard. saw the yellow famous x50 on fb, even with an almost unlimited budget he had, he still unable to upgrade the low-quality camera on his car.

Hehehe femes itu yellow x50.
Such a big modification but on safety features, we can't upgrade so much.
As I seen on youtube, pinoy coolray got build in dashcam, just plug in memory card and it is done. Wish to have that features in x50 x70 as the car have 360° camera

The tech is there.

This post has been edited by eichikatsu: Jan 16 2021, 09:17 AM

If your house loan occupied 50% of your net income and therefore forces you to take longer repayment period for car loan so you still have tiny bit of allowance then, yes why not get a house loan and choke yourself everyday right ?

Yea that’s right if you don’t mind paying hefty tons (almost 30% more for interest) then by all means, go ahead.
Not to mention the appreciation (or depreciation you would say) value of the car ?
Talk about investment, why not save that monthly installment and 10% deposit for good portfolio for 2-4 years and buy the car for free after that ? But okay, that’s individual preference.

Loan approval is just the beginning. I was trying to make a point. But since people thinks that as long as bank approves and they have house loan means everything, this won’t make sense to them.