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 [Official] Perodua Alza MPV Club V5, All about New Alza 2022 and prev version

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Confession
post May 26 2023, 03:45 PM

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QUOTE(steventan85 @ May 26 2023, 02:18 PM)
Maybank , 90% loan , 9years , 2.54% ..... any lower than this ?

i m checking with AMbank , PBB , CIMB for better rate .
*
checking yourself or with the help of SA?
LostAndFound
post May 27 2023, 08:26 AM

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QUOTE(F1meteor @ May 26 2023, 01:19 PM)
my SA just called me, there is black AV available
asked me if I want it.. can collect car next week
i declined.. i booked for silver
*
Black AV should be the most popular combo I think? Can't be too hard for them to find buyer who will move up the bracket.

QUOTE(steventan85 @ May 26 2023, 02:18 PM)
Maybank , 90% loan , 9years , 2.54% ..... any lower than this ?

i m checking with AMbank , PBB , CIMB for better rate .
*
blink.gif 90% and 9 years!
dogbert_chew
post May 27 2023, 05:03 PM

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QUOTE(LostAndFound @ May 27 2023, 08:26 AM)
blink.gif 90% and 9 years!
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Can't touch the banks and powerful automobile players all who continue to ply their dirty trade in broad daylight..
justincrazy
post May 27 2023, 05:49 PM

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QUOTE(Gold_Moderator @ Apr 16 2023, 09:50 AM)
rm75k ++ only.
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OTR 75k? Can share the Seller contact?

Thanks
LostAndFound
post May 27 2023, 09:33 PM

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QUOTE(dogbert_chew @ May 27 2023, 05:03 PM)
Can't touch the banks and powerful automobile players all who continue to ply their dirty trade in broad daylight..
*
Well.. can buy Axia rather than Alza and reduce how much blood they suck....
throwawayacclmao
post May 28 2023, 12:11 PM

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QUOTE(F1meteor @ May 26 2023, 01:19 PM)
my SA just called me, there is black AV available
asked me if I want it.. can collect car next week
i declined.. i booked for silver
*
When did you book bro
steventan85
post May 28 2023, 12:23 PM

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QUOTE(LostAndFound @ May 27 2023, 08:26 AM)
Black AV should be the most popular combo I think? Can't be too hard for them to find buyer who will move up the bracket.
blink.gif 90% and 9 years!
*
Any issue with that ?
dogbert_chew
post May 28 2023, 01:01 PM

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QUOTE(steventan85 @ May 28 2023, 12:23 PM)
Any issue with that ?
*
https://www.wapcar.my/news/if-you-need-a-9y...rule-of-78-4197
steventan85
post May 29 2023, 08:31 AM

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QUOTE(dogbert_chew @ May 28 2023, 01:01 PM)
ROT is always a reference only ... a guide ... i can afford it with my current income , that is for sure , just that i want to have better cash flow .... EIR of 4.5% is basically like ASM interest ... i can generate more income from that.

fyi , i sold my car every 9yrs and the disposal value is higher than the total interest i paid during my loan tenure...

This post has been edited by steventan85: May 29 2023, 08:33 AM
LostAndFound
post May 29 2023, 09:19 AM

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QUOTE(steventan85 @ May 29 2023, 08:31 AM)
ROT is always a reference only ... a guide ... i can afford it with my current income , that is for sure , just that i want to have better cash flow .... EIR of 4.5% is basically like ASM interest ... i can generate more income from that.

fyi , i sold my car every 9yrs and the disposal value is higher than the total interest i paid during my loan tenure...
*
First sentence - if you are utilising the savings to generate income higher than EIR then fair enough. Compare earned dividend/interest with paid interest.

Second sentence doesn't make sense. Why bother comparing disposal value with total interest? If you bought cash with no loan the disposal value will differ? The interest paid doesn't increase (or decrease) the value of the car at point of sale.
steventan85
post May 29 2023, 09:42 AM

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QUOTE(LostAndFound @ May 29 2023, 09:19 AM)
First sentence - if you are utilising the savings to generate income higher than EIR then fair enough. Compare earned dividend/interest with paid interest.

Second sentence doesn't make sense. Why bother comparing disposal value with total interest? If you bought cash with no loan the disposal value will differ? The interest paid doesn't increase (or decrease) the value of the car at point of sale.
*
means i didnt make loss ....
steventan85
post May 29 2023, 09:45 AM

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QUOTE(Confession @ May 26 2023, 03:45 PM)
checking yourself or with the help of SA?
*
SA... they will forward to their banker
LostAndFound
post May 29 2023, 10:00 AM

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QUOTE(steventan85 @ May 29 2023, 09:42 AM)
means i didnt make loss ....
*
So if you purchase a 100k vehicle (for ease of calculation) with 10k downpayment and 90% at 2.5% for 9 years... your total payment over 9 years is MYR120,250 (20.25k in interest). And let's say you sell the car for 35k.

Compared to purchasing the 100k vehicle with cash. Total payment over 9 years is 100k (0 ringgit paid in interest). Your car sells for 35k cash.

Your 'loss' is the interest paid. Because if you buy in cash you won't pay that interest.

Of course, if that 90k had earned you 4.5% over those 9 years, you would have earned MYR19,168, so your loss is only about 1k ringgit. Need 4.7% to breakeven with 2.5% flat interest rate. But that is about investment returns, nothing to do with the resale value of the car (because that part doesn't change whether you bought for cash or by loan, so comparing it with interest paid is pointless).
F1meteor
post May 29 2023, 10:53 AM

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QUOTE(throwawayacclmao @ May 28 2023, 12:11 PM)
When did you book bro
*
booked on Dec 2022..
SA just msg me to buy car plate num.. my turn coming soon~~~
and car loan also need to renew
steventan85
post May 29 2023, 11:19 AM

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QUOTE(F1meteor @ May 29 2023, 10:53 AM)
booked on Dec 2022..
SA just msg me to buy car plate num.. my turn coming soon~~~
and car loan also need to renew
*
which variant ?


throwawayacclmao
post May 30 2023, 08:23 PM

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QUOTE(F1meteor @ May 29 2023, 10:53 AM)
booked on Dec 2022..
SA just msg me to buy car plate num.. my turn coming soon~~~
and car loan also need to renew
*
Dang thats fast bro
My SA just updated to expect mine in August..crazy
emment85
post May 30 2023, 09:43 PM

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wanted to ask if anyone do add on tinted or remove all the tinted and install a new 1? I'm in a dilemma making this decision.. some say remove all will void the waranty
TongCN
post May 31 2023, 11:24 AM

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QUOTE(emment85 @ May 30 2023, 09:43 PM)
wanted to ask if anyone do add on tinted or remove all the tinted and install a new 1? I'm in a dilemma making this decision.. some say remove all will void the waranty
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Lol ... my SA even ask me to visit his friend's workshop to tint the car XD
TSKiefer
post May 31 2023, 02:21 PM

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QUOTE(emment85 @ May 30 2023, 09:43 PM)
wanted to ask if anyone do add on tinted or remove all the tinted and install a new 1? I'm in a dilemma making this decision.. some say remove all will void the waranty
*
should not be voiding whole car waranty as I understand. it may void the warranty on the ori tint that installed on alza.

You can also ask the Service Advisor if wanted to.
emment85
post May 31 2023, 03:48 PM

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ya lo.. thanks for the advise ya.. hehe..

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