anyone here know when u buy a new car , u wish to have 0 donwpayment , SA actually willl markup the car price , which is higher price. Just to cover the price of your buying car . But , at the same time , you also need to pay innsurance premium for the markup price ?

For example , u buying a 37 k car . they markup the price to 40 k . The premium u paid is actually refer to 40k price , which in turn paying more premium. Is that true ? Anyone know about this ? Correct me if i am wrong

ya lo....so i don think worth it to pay a higher premium ... buygin 37 k car , but paying 40 k premium .

the f**king thing is the SA seems like tipu me

so it s what i saying is true ? is that i really need to paying higher premium ..

yeah ... i better get another SA..and pay d/p .

if i am not wrong , for all who make 0 d/p , ur need to do a markup price for your car ... subsequently ur insurance price also need to follow the markup price , means for 1st year insurance will be higher . but 2 nd year u can choose ur own insured value ...

this is what the SA told me ..don know he got tipu me or not ..if not for the whole life , i need to pay higher premium .

hmm ...i am doin my loan now .... either affin bank or maybe bank ...see which one faster to approve....but the SA told me 3.88 interest ....anywhere i am getting a 9 year loan....

and he told ... next month for 8 years rate is 4.1 , 9 years 4.3 ..//if u wanna get a car, better be fast ...

i think if bank aproved my loan with higher than 3.88 , i wont wan to get the loan ...

i only buy the car if the loan interest is 9 years with 3.88 interest ... because the SA promise i can get if i start to apply the loan b4 end of this month ... if can get , i don think i wanna let the SA earn the commission. ....

i wish to ...but you in kl ..i not ...lazy to go kl ...lazy wanna take car also don know how to go kl ....
sorry dude ... but i will advertise for you if any fren in kl wanan buy ...

Affin bank just called me saying 3.88 interest for my loan ..

just wanna ask , since u just sign agreement. Actually how many agreement have to sign ? bank loan agreement ? car purchse agreement ?


and when we sign those agreement , can we keep a copy as well ? or we only sign on single copy of agreement ? what are the things need to see clearly when we sign agreement ? a bit worried cus never buy a new car ... advise advise?

thanks for all the reply ...but still seems complicated .... so in the end , when i sign all the agreements , what should i keep in order to take my car ... i feel nonsense when i already sign all the agreements but i do not have any doc to show that i already paid or bought the car ... and what is the prove when i wanna take the car ?

another thing is that , is there any checklist to check if all the acceceries if there ? how to go , where to go to take the car ? as i know we wont take the car from sa shop... i was told i could take the car somewhere kelana jaya ...but not from sa shop ... i mean , what doc need to show when u wanna take the car, when ur sa is not with u ?

another thing is, after we take the car , what doc should i keep ? car registration card ? or any doc can prove i am the owner of the car ?

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Added on November 1, 2007, 12:43 amAnother question for all perdua owner ...which insurance company u go for ????
when i buy new car , can i select any insurance compnay from perdua panel ?

This post has been edited by lunacy: Nov 1 2007, 12:43 AM

MY LOAN PAPPROVED D ...

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Added on November 3, 2007, 5:09 ambut got one problem ... the sa ask me to take MSIG for insurance ...cos he said only got one type can choose ... damn never heard b4 .... secure or not ? he said if i wanna take other insurance panel then i have t wait for refund and do insurance my self ... that one called opton or by force ? if i am not wron , MSIG is Mitsui Sumitomo Insurance (Malaysia) Bhd. and Aviva Insurance Berhad. Combine of both compnay ....

no choice , i am lazy to do ext6ra thing ...just take this insurance compnay as 1st year ...later only change .... i think we can change to other compnay at 2nd year right ?

This post has been edited by lunacy: Nov 3 2007, 05:09 AM