5 yrs loan monthly around repayment RM1.2k
7 yrs monthly around repayment RM920
9 yrs RM750

I'm not an armchair financial advisor so I'm not going to make any assumptions. You sendiri kira after deducting your monthly expenses and savings, enough or not?

Remember to factor in insurance, maintenance and repair costs post warranty.

This post has been edited by dares: Feb 17 2024, 08:19 AM

You are not alone. Many Malaysians are struggling. Just because they can buy a Vios or City doesn't mean they are comfortable with the financial hit they are taking with the car. Don't just look at the surface.

You can do yourself a favour by not joining their ranks and make yourself suffer for your car.

Based on your usage (WFH, occasional highway travel), a Saga or Persona would do just fine.

Back then X50 and X70 could get 2.xx% p.a., not sure how it is now.


This post has been edited by dares: Feb 18 2024, 01:50 AM

Persona Premium RM60k, 12k D/P, 9 years @ 3.2% p.a = total paid RM74k
S70 Exec RM74k, 12k D/P, 9 years @ 2.7% p.a = total paid RM89k

Difference RM15k, assuming you can get 2.xx% p.a for the S70 to start with.

Not sure what are your expectations with S70's fuel economy, and if in reality it is better than Persona's. But considering you WFH and seldom drive, I gather that it will take quite a while to make up that RM15k difference in fuel costs.

Also, S70 maintenance fee in quite a bit higher than Persona overall.