Cash? Loan? Credit card?

I noticed motorbike loan mostly from AEON and is sibeh taik punya interest. Has anyone bought using credit card before?

Ayam looking at less than 20k bike, so maybe 5k down payment and the rest credit card and settle within a year. Got any easy payment plan? Can ah?

Some shops have CC machine and can do 0% interest installment. but u go ask those kedai la..

Naiseeee I guess have to physically go ask la
Otherwise online almost everyone keep pushing for AEON loan wtf, I guess they probably get some commission kot

i tot all /k 20 a month? no need epp lohh

kedai ada installment kan? tengok awak bagaimana settle je

spaylater

loan kedai is oso normal

Of course, they get to mark up the bike's price.

kesian.

please work hard and reduce time sosial media.

bought a rm9k bike before using aeon credit with rm1 down-payment several years ago. the loan is for 5 years. when I calculate the interest is very high (if u follow the payment schedule). After 5 months get my bonus & paid lump sum. if I'm not mistaken I did save about rm6k+ when I reduced the loan tenure from 60 months to just 6 months.

the only good thing about aeon credit for me is just rm1 down payment (no need to fork out too many cash). then u just need to pay more every month. don't follow the schedule. just pay x3 or x4 of the installment if u can afford it. in the end, its way more cheaper than *loan kedai* (with many hidden costs + vague interest calculation).

Loan kedai is how? With the shop? Monthly pay cash? How does it work actually?

That's why dowan AEON loan, because after calculation you pay almost double kot

Cash.. never eber go with Aeon
Loan kedai interest lagi tinggi, usually for blacklist people or problem to get normal loan approved

This post has been edited by darkLapland: Oct 25 2021, 02:42 PM

yup..this is far normal compared to aeoncredit

got mine with cash. If u want to slowly pay with cc also can but it depends on the shop and card

kedai is the creditor

monthly online transfer/cash to kedai. lower interest rate than aeon too

loan kedai require high DP to lower the risk

any motoshop will charge u 2% if u using card. this one konfem. only cash will save u from riba

yes. this is true. even though BNM said cannot charge the 2%, 10/10 kedai motor u go will charge u the 2% transaction fee. lol

Thought 2% supposed illegal? Lol

their shop, their rights

Bike is toy

Toy should be bought with cash

K only buy moto with cash

Ducati RM170k cash

0% instalment is offer from bank or kedai moto?

If settle 1 year might as well save up and buy your bike next year. No different 1 year

quickcash cc then pay aggressive

Use public bank cc then convert to flexipay.

Huehuehue betul jugak ni

I think eang chun setapak can do maybank 0% credit card installment. But i believe theres 1 time service payment fee.

Personal loan (if you can get approved) is better than AEON.

1.25%/mth. or 15% a year.
Fuhhh......

bought my nvx cash 2 years back.

I bet liv win 5 0 at old Trafford. Menang 20k terus

15k, CC, 0%, 18 months.

Call shop ask payment option.

not all
I ask before there are that wont charge anything

cash is king, beli kapcai je la

credit card machine

bought all of my bikes cash.

but when say wanna buy cash, straight away shop say motor no stock lel

show tuan kedai the bike is there, slamber say ohhh that bike booked la, got buyer ady

ini semua vavi

Diu, 20k moto just pay cash jer la.

"If you need to open tered to ask it means you can't afford it." - random ktard

motor using cash lah, not so expensive also

me too. 12.3k cash otr. the feeling is hnghhhh when u buy cash.

Go to shopee, find bike shop nearest to you (for self pick-up) that offer 0% interest. you could get max 18 months zero interest from Maybank

Interesting. How to search for this? I search mostly keluar spare part only lol

cash 47k

This used to be very popular, heard it still is pretty popular now

https://www.bsnccorp.com.my/index.php?page=motorcycle

you get to ride a bike during that 1 year time.

Find boss James.

exactly..nothing beats the feeling of buying, owning it & not owing the banks any money

This post has been edited by feekle: Oct 25 2021, 04:54 PM

the problem is selling prices different.

Use credit card then pay off keep the points lel

50% deposit, remaining pay shop loan for 5 years. gila kau nak beli big bike cash.

Sapa ni
Ktard ka

Famous Tiktoker.

I can buy using cash but I decided to buy using my credit card instead.... Just to collect the cc points.... 😁

This post has been edited by arcadicus: Oct 25 2021, 05:29 PM

Bought from my bro since mileage still new. They say if loan, u plus interest, etc = 2bijik moto lol...

kedai got give loan one i think,.. find reputable kedai,... with good mechanics,..

bank transfer oneshot, rm170k+ for a bike. Their loans is just not attractive enough, furthermore this is just for a hobby purchase, so can scrape the idea of "how-to-earn-more", instead just use to enjoy on the rare occasion, like 2-3 times a months.

for CC, seriously, the points is pointless, usually i use to change aeon voucher only.

Nowadays can even buy bike on Shopee or Lazada, with 0% but max time frame is 12 months to 18 months only and you need like Maybank or Public Bank CC.

rosak claim warranty who service for u ???

Bayar muka, then bulan2 bayar kedai direct. zaman baru keje beli 125zr hihi

Can ask the seller itself how, I'm not too sure how.

But these sellers got good rating so don't think they out to cheat you.

Here's example:
https://s.lazada.com.my/s.WvjBb

This post has been edited by kuci_mayong: Oct 25 2021, 06:04 PM

Link apa ni...

Modified

https://s.lazada.com.my/s.WvjBb

Oh thanks! I was just checking them out too haha

I thought once you establish credit history... If credit score good, they give smoll interest? No meh?

Fuck.


Anyway I bought mine on loan with aeon.

yes,.. just trust anonymous online seller,... btter than physical shop,..

How many years loan?

I still prefer go physical shop for these type of purchases. Just sharing other ways on how to buy here.

5 years @rm682

less than RM20k bike for what purpose ?

daily use?

despite my username, i dont actually own a motor now.

last time i only ride my dad's bike.

fuhhh motor apa hang beli

Discipline to save each month susah...

U keep sampai 6k... Tiba2 some unforeseen shit happen...

I rather pay in installments.

Honda rebel 500... Tapi X cukup... Now need Vstrom 1050 xt

If 10k and below. Cash ajelar. Interest very mahai.

aeon credit = legalized ahlong

sometimes u can get better rate loaning from ahlong

I know right... Also. While saving that 9k... Tiba2 "wow... That drone is 2.5k.... murah saja... Wow.... Kalau beli delonghi barista machine 3k best ni."


Lol

Smart man 😉

iCity motorworld Shah alam offers 0% instalments through CIMB and maybank credit cards, they even did a pre-order for the new mt-09. Beli bellliiiiiiiiiiii 😄

Use baisikal la sifu. Cheaper oso and now can go highway oso.

Healthy oso ma. Jimat no use oil

I buy my RM32k++ Kawasaki Vulcan S in 2015 via Bank Rakyat's Personal Loan (3 years, monthyl RM1050+).

Got the loan money lump sum - immediately buy the motorcycle, within 2 days motorcycle out already complete with 'geran motor', 1st party insurance etc.

Good thing:

- Can immediately sell the bike if needed since ownership 100% is mine already.
- Can buy 3rd party insurance instead of 1st party (Bank wants 1st party only).
- Can settle loan faster.

Bad thing:

- Personal loan have higher interest rate.

This post has been edited by CyberSetan: Oct 25 2021, 07:35 PM

Cash only, bike loan interest so high. Not worth it.

Ayam paid
Cash
Used for like 2-3 years onli
Now wanna sell back

i bought cash , but if youre into superbike high cc better go for used.
the depreciation is crazy. not worth imo to get new one.
as theres a plenty good used bike with low milleage.
more often than not youll find owners that purchase purely on impulse.
then wife/kids forbid them from riding afraid got pancake on road.

ayam last time loan kedai

the shop that quoted me is cheaper than other shop that selling cash by rm100