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 Gross 4K can afford S70 ?

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ayamxxx
post Feb 19 2024, 10:44 AM

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QUOTE(Longway @ Feb 17 2024, 07:45 AM)
when i was making 2.4k gross 10 years ago i bought my myvi at 44k because i needed a car , now 10 years later i want to replace my myvi i should buy another myvi ?
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depend. my work require plenty of outstation, so I need a comfortable car and more safety if anything. comfortable for me is the car able to drove 140-150kmh at about 3k rpm or less.
ayamxxx
post Feb 19 2024, 10:47 AM

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if im at 4k and need car, i rather buy used Inspira with 2.0 engine. or best Perdana Accord used for 2.0 engine if need big car. price both affordable used unit
blanket84
post Feb 19 2024, 11:18 AM

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QUOTE(littlefire @ Feb 19 2024, 10:06 AM)
Buy is easy, but maintenance, insurance, petrol this will be a challenge later.
S70 will not be cheap to maintain like Myvi, need to standby 2X the maintenance fee from what your current Myvi.
Just look at the tires enough, Myvi using 14~15 inch, S70 16~17inch. The 16~17 inch tires logically going to cost more.

Example

Myvi 175/65/R14 - 185/55/R15 
185/55/R15 - Take Toyo CR1 price found in Shopee
MYR 193/pcs

S70 205/55/R16 - 215/50/R17
215/50/R17 - Take Toyo CR1 price found in Shopee
MYR 337/pcs

The tire price itself at least 75% more expensive compare to myvi.
Just imagine for other maintenance parts also.
*
This is something that people seldom consider when buying cars. Maintenance cost for wear & tear parts and insurance & roadtax.

I saw one guy in /kopitiam probably buying a car that is more than he could afford, end up downgrading tyres to the cheapest available and pay insurance & road tax using installment.

Really facepalm reading all those funny stuff.
ayamxxx
post Feb 19 2024, 11:38 AM

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QUOTE(blanket84 @ Feb 19 2024, 11:18 AM)
This is something that people seldom consider when buying cars. Maintenance cost for wear & tear parts and insurance & roadtax.

I saw one guy in /kopitiam probably buying a car that is more than he could afford, end up downgrading tyres to the cheapest available and pay insurance & road tax using installment.

Really facepalm reading all those funny stuff.
*
lately saw many, push the loan to 9 years, if possibe full loan. then day 1 getting the car, send workshop change rim bigger, take unknown brand tyre.
blanket84
post Feb 19 2024, 11:47 AM

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QUOTE(ayamxxx @ Feb 19 2024, 11:38 AM)
lately saw many, push the loan to 9 years, if possibe full loan. then day 1 getting the car, send workshop change rim bigger, take unknown brand tyre.
*
Change bigger rim would not void warranties?

technosakai
post Feb 19 2024, 01:36 PM

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QUOTE(blanket84 @ Feb 19 2024, 11:18 AM)
This is something that people seldom consider when buying cars. Maintenance cost for wear & tear parts and insurance & roadtax.

I saw one guy in /kopitiam probably buying a car that is more than he could afford, end up downgrading tyres to the cheapest available and pay insurance & road tax using installment.

Really facepalm reading all those funny stuff.
*
QUOTE(ayamxxx @ Feb 19 2024, 11:38 AM)
lately saw many, push the loan to 9 years, if possibe full loan. then day 1 getting the car, send workshop change rim bigger, take unknown brand tyre.
*
lol cuz looks over affordability
from a far, ppl already see the car and go 'fuiyo!!!! nice car, new one leh!!' then the owner ady happy..
so what if he cannot pay the parts or paying insurance and road tax in instalments? cuz nobody knows he does that
they offered the ability to pay in instalments, so he took it. loool..
then end up eat grass or have a hard time maintaining the car. lol..

nowadays a lot ppl are like this.
which is pure stupid..
take 9 year max loan, if possible full loan, cuz fk the monthly instalment. they want the car, they will get it no matter what.
come out from showroom, within next few days, mod here and there, fk up some wiring and shit, then after that come out some warning lights on meter, then join some fb group and asks 'eh gang, tadi aku buat mod ini, itu, apalanjiao, habis itu keluar warning ini, ape bende ni eh?' oooops..
lel..
after that some can also openly admit, 'wow I take this car, the monthly instalment is already killing me, now need to change parts, I cannot even afford' loooooooooool.
that kind of mentality, no wonder so many malaysians are poor as fk now.
buying shit they cannot afford.
buy apple iphone 15 pro max pay in 5 years instalment.


QUOTE(blanket84 @ Feb 19 2024, 11:47 AM)
Change bigger rim would not void warranties?
*
yeah, void those that could be affected by tyres. Suspension, arm rods, and what not.. but who gives a shit?
looks > warranty
whistling.gif

This post has been edited by technosakai: Feb 19 2024, 01:38 PM
littlefire
post Feb 19 2024, 02:11 PM

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QUOTE(blanket84 @ Feb 19 2024, 12:47 PM)
Change bigger rim would not void warranties?
*
Any non original parts fit can be void warranty, including those related parts like technosakai mentioned.

This post has been edited by littlefire: Feb 19 2024, 02:12 PM
Daylight_walker
post Feb 19 2024, 04:07 PM

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i same thought with ts. i brought axia back on 2016. and current salary is 4.5k, i paid off my 7 year loan last year, even now my axia is super cheap to maintain. my axia was super underpower, so i aim for the 2025 myvi (rumor say 2025 gonna have a new king). there is no wrong to drive a cheap car.
ayamxxx
post Feb 19 2024, 10:17 PM

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QUOTE(blanket84 @ Feb 19 2024, 11:47 AM)
Change bigger rim would not void warranties?
*
HM void warranty. sample case, U get gb issue, they reject your warranty claim cz use bigger rim. That why I will not buy another HM car in the future.
ayamxxx
post Feb 19 2024, 10:21 PM

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QUOTE(technosakai @ Feb 19 2024, 01:36 PM)
lol cuz looks over affordability
from a far, ppl already see the car and go 'fuiyo!!!! nice car, new one leh!!' then the owner ady happy..
so what if he cannot pay the parts or paying insurance and road tax in instalments? cuz nobody knows he does that
they offered the ability to pay in instalments, so he took it. loool..
then end up eat grass or have a hard time maintaining the car. lol..

nowadays a lot ppl are like this.
which is pure stupid..
take 9 year max loan, if possible full loan, cuz fk the monthly instalment. they want the car, they will get it no matter what.
come out from showroom, within next few days, mod here and there, fk up some wiring and shit, then after that come out some warning lights on meter, then join some fb group and asks 'eh gang, tadi aku buat mod ini, itu, apalanjiao, habis itu keluar warning ini, ape bende ni eh?' oooops..
lel..
after that some can also openly admit, 'wow I take this car, the monthly instalment is already killing me, now need to change parts, I cannot even afford' loooooooooool.
that kind of mentality, no wonder so many malaysians are poor as fk now.
buying shit they cannot afford.
buy apple iphone 15 pro max pay in 5 years instalment.
yeah, void those that could be affected by tyres. Suspension, arm rods, and what not.. but who gives a shit?
looks > warranty
whistling.gif
*
another hype nowadays since all car with Turbocharge engine (except slowpoke UMW Toyota and base model HM), many seller selling racechip and remap service. some with skill will checking first the torque limit the GB can handle, some just push it to the moon for better selling point. On X70 CKD, many shop remaps the engine to get 380Nm when the GB only can retain max 330Nm. Turbocharge engine, remaps just put bigger boost, sure can increase power.

Racechip, it just faking the signal to ECU, also got issue for some cases in Suprima S, Civic FC last time, engine k.o when they drove fast + racechip

This post has been edited by ayamxxx: Feb 20 2024, 11:04 AM
ayamxxx
post Feb 19 2024, 10:25 PM

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QUOTE(Daylight_walker @ Feb 19 2024, 04:07 PM)
i same thought with ts. i brought axia back on 2016. and current salary is 4.5k, i paid off my 7 year loan last year, even now my axia is super cheap to maintain. my axia was super underpower, so i aim for the 2025 myvi (rumor say 2025 gonna have a new king). there is no wrong to drive a cheap car.
*
back then I purchased my dads old Waja 1.6 Mitsubishi since the Usedcar Shop also takes very low prices on used unit. When had the car at 70k km, I used it till hit 300k km, only lost it to theft. The first 5 years with this car without the need to fork out a fortune on loan is great. if salary 4k nowadays in my office, they use Civic 1.5T already
cempedaklife
post Feb 20 2024, 10:52 AM

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QUOTE(Daylight_walker @ Feb 19 2024, 04:07 PM)
i same thought with ts. i brought axia back on 2016. and current salary is 4.5k, i paid off my 7 year loan last year, even now my axia is super cheap to maintain. my axia was super underpower, so i aim for the 2025 myvi (rumor say 2025 gonna have a new king). there is no wrong to drive a cheap car.
*
if axia is still well and can serve your purpose, try to stretch your car loan free period, like 3-5 years. then save up baru buy new car.

MegaCanonF
post Feb 21 2024, 11:02 AM

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QUOTE(Longway @ Feb 17 2024, 07:28 AM)
Gross 4K can afford S70 premium (79k) ? I'm not talking about loan approval , I'm talking about overall financial affordability .

0 Commitment , except for medical insurance . Don't drive much because WFH.
*
where do you stay ?
where is your workplace ?

last time my gross 3.5k , i buy honda jazz. (72k) that time ok since still live w pama/ etc.

however once i go out n rent outside live alone, then it started to bite. not factoring insurance, service, tyre change, etc etc.

if u foresee urself these 9 yrs loan u will continue stay w pa / ma, foreveralone no gf/waifu then go on . if not, suggest you not to.

another point to note that the proton resale value will be shit. so if anything happens in the future, you won't have the safety net to dispose the car.

if you ask me,salary 4k better replace your current myvi to either the new myvi or bezza. nothing wrong with changing to a same segment car. it is based on your affordability. new gen myvi has improved a lot since 10 years ago.
MegaCanonF
post Feb 21 2024, 11:04 AM

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QUOTE(ayamxxx @ Feb 19 2024, 10:47 AM)
if im at 4k and need car, i rather buy used Inspira with 2.0 engine. or best Perdana Accord used for 2.0 engine if need big car. price both affordable used unit
*
lol, no man. that is bad advice. the maintenance will kill you . plus it is prone to so much wear and tear, worse if it involves the GB. my friend inspira GB kong ady.
ayamxxx
post Feb 21 2024, 11:12 AM

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QUOTE(MegaCanonF @ Feb 21 2024, 11:04 AM)
lol, no man. that is bad advice. the maintenance will kill you . plus it is prone to so much wear and tear, worse if it involves the GB. my friend inspira GB kong ady.
*
ok then no CVT. take Accordana with 5 gear auto, reliable
Quazacolt
post Feb 21 2024, 11:21 AM

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QUOTE(ayamxxx @ Feb 21 2024, 11:12 AM)
ok then no CVT. take Accordana with 5 gear auto, reliable
*
D segment accord
Cheap to buy doesn't mean cheap to own

That's applicable to anything used (including recond)
alexei
post Feb 21 2024, 01:29 PM

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when I was grossing 4k, I find 30k used car bah... 7 years, monthly < 500, also half dead makan roti
now Exora Bold 2013 I don't ever wanna change car until it's totally KO

This post has been edited by alexei: Feb 21 2024, 01:31 PM
ayamxxx
post Feb 21 2024, 01:48 PM

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QUOTE(alexei @ Feb 21 2024, 01:29 PM)
when I was grossing 4k, I find 30k used car bah... 7 years, monthly < 500, also half dead makan roti
now Exora Bold 2013 I don't ever wanna change car until it's totally KO
*
when grossing 4k last time, I bought a townhouse in Seri Alam Johor last time back in 2012. Now the price hitting almost double if i wanna to letgo. Sorry unrelated to cars.

This post has been edited by ayamxxx: Feb 21 2024, 03:37 PM
alexei
post Feb 21 2024, 03:09 PM

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QUOTE(ayamxxx @ Feb 21 2024, 01:48 PM)
when grossing 4k last time, I bought an townhouse in Seri Alam Johor last time back in 2012. Now the price hitting almost double if i wanna to letgo. Sorry unrelated to cars.
*
it's alright, sometimes we need this kind of examples to shake up financial management among us
I'm not referring at TS, just generally speaking, wish I had done something similar

some kids I know are very financial literate, already owning up few houses for rental at slightly above half my age, and they drive shit cars or some hand down from parents
D.gRave
post Feb 23 2024, 11:44 AM

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QUOTE(ayamxxx @ Feb 21 2024, 01:48 PM)
when grossing 4k last time, I bought a townhouse in Seri Alam Johor last time back in 2012. Now the price hitting almost double if i wanna to letgo. Sorry unrelated to cars.
*
How much permonth and how much dp?

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