QUOTE(jinyee80 @ Jan 18 2008, 07:58 PM)
Try Soft99. It helps in removing small scar. Somemore its affordable, roughly RM29.90 saja. Many people is using this Japanese brand anyway!
The interest rates(IR) vary. Before the bank hands over the Letter of Undertaking to you, they can quote whatever or whichever rates that you are comfortable with, then of course this is attract you to put in your application.
But, one should really understand that the IR will also based on the car model, loan amount and the conduct of the borrower's account throughout the nation.
Thats why you say PROTON's car IR is higher 3.99% for 9 years loan, but in the other hand, ACCORD is 1.38% for the same tenure. This explains because the bank presumed the depreciation for HONDA's car is marginal compared to PROTON. The bank is facing lesser risk to resell the car if installments were not being pay for consecutive 3-4 months.
Loan amount is the most fundamental thing. The higher the amount, the higher the IR because the bank is facing more risk to recover the capital, thereby high risk comes with higher return.
As for conduct of account, since we knew that our central bank did maintain the CCRIS system after the 97-98 economic crisis to unite all the banks and financial institutions to know the financial standings of an individual nationwide before the banks lend out money.
Say you have personal loan that have 3 months accummulated arrears, then the bank will view you as a higher risk borrower because it comes to the basic, even your existing loan also you can settle every month, will I face the same problem if I lend it to you? The record for the past 12 months for your liabilities outstandings will be shown in the CCRIS, thats why some people can get cheap rate, some people did not; some people can get the loan approved at higher amt, some cannot and vice versa.
I hope these will help!
Jinyee
First, I would like to say thanks to u (and apisgogo) to provide me some useful information. Today I just went to look for my SA again (pay the extra 150 for the windscreen insurance), he help me to fix the rubber problem (near the window edge). I ask whether got any paint work touch-up service or not and show him the scar and he say yes, but will cost about RM40-RM50 (re-spray the entire right side fog lamp area) and will look as new as before (no joining line between the original and new spray paint), I'm thinking whether or not want to go for it next time when I send my car for service.
oh ya, I bought the T-Rex steering lock with the shock sensor (model: CH390AD) last 2 days ago and that lock is d@mn not stable, even without any shock, about 15-20mins it will automatically trigger the alarm, very annoying. So today I decided to return back the lock and ask for a replacement, that sales guy replace me another new one (same model) and when I back home and I try again, watlau...another same problem, terrible....
Added on January 20, 2008, 12:48 amQUOTE(raist86 @ Jan 19 2008, 07:01 PM)
Hie guys, am looking for a car at the moment. Contemplating between the Honda City, Toyota Vios and Proton Persona.
I'm conscious about FC, but also would like some performance to go with once in a while. Should i opt for the vtec specs or should i go for i-dsi? what's the difference (mileage) between the two?
Also, i'll be getting my dad to purchase the car first (including paying down payment) and i'll take over the loan re-payment once i graduate (after 1 year). Is there anything i should know about (in terms of ownership and loan repayment)?
Is it a good time to get the car now or should i wait couple more months for the rumored new model to arrive then only buy? I am currently driving an old car which is sufficient but costs too much to maintain.
directly put your name as an ownership rather then your dad's name (to eliminate any unnecessary complicate change owenership procedures). As c.o.o.l said: if u r not urgent, then wait loh, think and decide yourself carefully, so that next time you wont feel any regret for your decision
This post has been edited by terence4ever: Jan 20 2008, 12:48 AM 
Jan 17 2008, 11:28 PM
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guys, know any place provide touch-up paint work service? cheap and good one. D@mn it, the first day i drove back and park inside my house parking area already carelessly hit my house the front staircase during parking (not so hard, but still got the ugly scratch near the front skirt). Coz previously I drive kancil and small car easily to park, now change to city and its hard for me to do the space judgement during parking...
but now gone! smooth as silk, like new. 
long line from front of passenger side until the back!!! This news broke my heart...sad 
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