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 1 Ogos beli kereta tak boleh full loan

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ticke
post Jul 12 2024, 11:18 AM

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pakat je la...kan jenis spesis yg nak utg...
Red_rustyjelly
post Jul 12 2024, 11:21 AM

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Good. I sapporkk.

Especially that idiot shopee policy buy now pay later.

RM 30 also buy now pay later



dawho
post Jul 12 2024, 11:23 AM

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QUOTE(iGamer @ Jul 12 2024, 09:45 AM)
Which maggi flavour best suited with amoi ketiak juice?
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buy tomyam also gooding...can give the masam2 flavor naik sikit
God Grid
post Jul 12 2024, 11:24 AM

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QUOTE(aziratul @ Jul 12 2024, 09:19 AM)
Eh.. i thought when u loan from bank, ur contract still show ur car value still based on after deposit deduction?

Its not 100% loan on ur bank loan contract

Tak fhm why u guys need to buy the car before August.. kek
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i think macam buying house, developer give rebate

for example, house value actually 500k, then developer put in SNP 700k, then tell you rebate 200k, so you just take loan 500k

means can take 100% loan already
msacras
post Jul 12 2024, 11:24 AM

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QUOTE(Red_rustyjelly @ Jul 12 2024, 11:21 AM)
Good. I sapporkk.

Especially that idiot shopee policy buy now pay later.

RM 30 also buy now pay later
*
You go outside eat jiken lice also can buy now pay later, gooding yoh

This post has been edited by msacras: Jul 12 2024, 11:25 AM
MishimaZ
post Jul 12 2024, 11:25 AM

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Won't change anything, just markup to sell recond/2nd hands and don't take the downpayment.
kelvinlym
post Jul 12 2024, 11:26 AM

Yes, that was my car.
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Add in cheap accessory for 10% of car price. Boom, problem solved.
msacras
post Jul 12 2024, 11:26 AM

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QUOTE(-PuPu^ZaPruD3r- @ Jul 12 2024, 10:03 AM)
So disgusting to see so many ppl buy cars with 0% downpayment and 9 year loans..

If have 15 year loans, I am sure ppl will sign up in droves too

Other countries don't have this type of financing.. Janji ada gaya

Earn RM 2k and drive Myvi
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Other countries cars = disposable

In Malaysia cars = society status + resale value
plc255
post Jul 12 2024, 11:29 AM

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QUOTE(JimbeamofNRT @ Jul 12 2024, 10:24 AM)
and EVERYTHING between it
sales tax, consumption tax from plebs buying car
road tax, petrol tax, tax from car insurance, tax from spare parts, tax from service when pleb send to SC, etc
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Malaysians pay over RM 10 billion in car taxes every year. How did we end up like this?

car industry contributed a relatively large amount of tax (assuming > RM10billion) , but gov spend a even larger amount (2024 budget RM394 billion).
Gov have no enough money every year to spend.. you are rite not going to happen.. in fact who knows 10+ years loan may happen???

surely from those working in finance department of gov someone will think of tax on petrol one day if not already thought off and rejected before.. since so much car on the road haha
jasondotcom
post Jul 12 2024, 11:29 AM

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QUOTE(Icehart @ Jul 12 2024, 09:13 AM)
No.
Traditionally bank loan is 90% of car price.

But full loan these days are done via markup on their invoice. With the implementation of e-invoicing, this cannot be done anymore. Hence full loan will not be possible for new cars.
Used cars and recon still possible.
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Used car and recond still possible? If that is true, then used car and recond car business will grow faster than before.
Heroicage
post Jul 12 2024, 11:34 AM

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kereta = 50k

loan = 60k
10k loan kedai sebab epf tak ada duit lagi....

LOLLLLLLL......kedai kereta jadi ahlong v2.0


JimbeamofNRT
post Jul 12 2024, 11:35 AM

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QUOTE(plc255 @ Jul 12 2024, 11:29 AM)
Malaysians pay over RM 10 billion in car taxes every year. How did we end up like this?

car industry contributed a relatively large amount of tax (assuming > RM10billion) , but gov spend a even larger amount (2024 budget RM394 billion).
Gov have no enough money every year to spend.. you are rite not going to happen.. in fact who knows 10+ years loan may happen???

surely from those working in finance department of gov someone will think of tax on petrol one day if not already thought off and rejected before.. since so much car on the road haha
*
fact is, Gomen are too addicted to the car taxes, if possible they want to encourage plebs to change car every 2-5 years

THERE ARE SO MUCH MONEY TO BE MADE FROM THIS ACTUALLY! cool2.gif

at one point I still remember naza did give loan 12 years offer for their Naza car

user posted image

This post has been edited by JimbeamofNRT: Jul 12 2024, 11:35 AM
jasondotcom
post Jul 12 2024, 11:36 AM

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Just buy car cash lah. Simple and easy.
keyser soze
post Jul 12 2024, 11:36 AM

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loan kedai boleh?
TOMEI-R
post Jul 12 2024, 11:40 AM

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The Hire Purchase Act clearly states that a minimum 10% downpayment is required for all hire purchase.

But Malaysians are so used to taking full loans for everything not only cars, I dont know how we are going to go around that.
JimbeamofNRT
post Jul 12 2024, 11:40 AM

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QUOTE(God Grid @ Jul 12 2024, 11:24 AM)
i think macam buying house, developer give rebate

for example, house value actually 500k, then developer put in SNP 700k, then tell you rebate 200k, so you just take loan 500k

means can take 100% loan already
*
that cashback scheme lagi pkmk I tell you, drowning these plebs into forever debts

summore got so many enablers agents brainwashed these plebs " u buy now, later can flip, sure make money one "

This post has been edited by JimbeamofNRT: Jul 12 2024, 11:40 AM
JimbeamofNRT
post Jul 12 2024, 11:43 AM

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QUOTE(TOMEI-R @ Jul 12 2024, 11:40 AM)
The Hire Purchase Act clearly states that a minimum 10% downpayment is required for all hire purchase.

But Malaysians are so used to taking full loans for everything not only cars, I dont know how we are going to go around that.
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sarahan who now? everyday u can see salesman promise FULL LOAN! FULL LOAN!

bank also closed one eye what, as long documents all proper ctos ccris cantik ok already, diff officer diff bank can give diff results. lulz

I am sure every salesman have their own fav officer. they both need each other,salesman need everything settle within fastest time frame, officer chasing kpi for the month

after all BANK NEEDS TO GIVE OUT LOAN OTHERWISE HOW TO UNTUNG BILLIONS?

This post has been edited by JimbeamofNRT: Jul 12 2024, 11:44 AM
yhtan
post Jul 12 2024, 11:44 AM

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QUOTE(JimbeamofNRT @ Jul 12 2024, 11:35 AM)
fact is, Gomen are too addicted to the car taxes, if possible they want to encourage plebs to change car every 2-5 years

THERE ARE SO MUCH MONEY TO BE MADE FROM THIS ACTUALLY!  cool2.gif

at one point I still remember naza did give loan 12 years offer for their Naza car

user posted image
*
wah last time pun ada 12 years loan sweat.gif sweat.gif sweat.gif
wong_86
post Jul 12 2024, 11:44 AM

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QUOTE(Red_rustyjelly @ Jul 12 2024, 11:21 AM)
Good. I sapporkk.

Especially that idiot shopee policy buy now pay later.

RM 30 also buy now pay later
*
sometime if you use pay later, you can get good voucher.
different payment method , different voucher..

This post has been edited by wong_86: Jul 12 2024, 11:44 AM
lagenda110
post Jul 12 2024, 11:46 AM

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QUOTE(limfreelance @ Jul 12 2024, 09:19 AM)
support, too much kereta on road
beli moto jer
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Motor pun ada full loan boss...so lepas ni takda 0 deposit lagi hahaha

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