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 1 Ogos beli kereta tak boleh full loan

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Sichiri
post Jul 12 2024, 04:06 PM

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QUOTE(blmse92 @ Jul 12 2024, 09:31 AM)
Use rebate discount as 10% DP. OWAI
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thats what happened to me.
10% DP but rebate 8k so waived from DP.
Red_rustyjelly
post Jul 12 2024, 04:25 PM

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QUOTE(wong_86 @ Jul 12 2024, 11:44 AM)
sometime if you use pay later, you can get good voucher.
different payment method , different voucher..
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ya, if you have the finance to do it is ok.
but those who have no idea the circumstance are an idiot

US$380 million and counting: Rising ‘Buy Now, Pay Later’ debt in Indonesia amid greater ease of access
https://www.channelnewsasia.com/asia/buy-no...s-gen-z-4343856
nasiputih
post Jul 12 2024, 05:31 PM

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QUOTE(Balanced @ Jul 12 2024, 01:04 PM)
Cilaka u wan rap me ka lol.

Because i have been using a good fully synthetic oil and changing it every 5000km or by 3-4 months for 8 cycles liao. It has no effect for the first 5-6 cycles then it slowly reduce eating the engine oil.
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that sounds like a quality product. any komplaint or issues after using it for about 2 years?

This post has been edited by nasiputih: Jul 12 2024, 05:34 PM
SourLemons
post Jul 12 2024, 05:34 PM

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QUOTE(nasiputih @ Jul 12 2024, 12:57 PM)
how come your original engine no longer eating oil?
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Cos dah minum bold earlier
Balanced
post Jul 12 2024, 05:34 PM

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QUOTE(nasiputih @ Jul 12 2024, 05:31 PM)
that sounds like a quality product. any komplaint or issues after using it for about 2 years?
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No complains about the product at all. Cheap and good.
In fact, i was thinking to switch from 5w40 to 5w30 since now no more losing engine oil.
bugipunch
post Jul 12 2024, 05:35 PM

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QUOTE(krusellblazar @ Jul 12 2024, 09:14 AM)
This is good move, people need to face it, if you can't pay deposit you can't afford it. i hope govt will consider limiting car loan duration too. 9 years is too long for a car loan. 7 is still acceptable.
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kesian bobby. His cars all he take 9 year loan if 7 how he want to buy the ferrari?
nasiputih
post Jul 12 2024, 05:35 PM

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QUOTE(JimbeamofNRT @ Jul 12 2024, 01:04 PM)
one day you will be just like us. last time i also think that way, die die want to drive manual, love the adrenaline rush

but over times things will settle down, and you will get mellow a bit here and there

time change, taste also change
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now you change and like berisi? or extra berisi?

hotdayum

This post has been edited by nasiputih: Jul 12 2024, 05:35 PM
nasiputih
post Jul 12 2024, 05:37 PM

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QUOTE(Balanced @ Jul 12 2024, 05:34 PM)
No complains about the product at all. Cheap and good.
In fact, i was thinking to switch from 5w40 to 5w30 since now no more losing engine oil.
*
is it just a placebo feeling or got technical test results to show engine in good condition with 2 years of use?
Balanced
post Jul 12 2024, 05:41 PM

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QUOTE(nasiputih @ Jul 12 2024, 05:37 PM)
is it just a placebo feeling or got technical test results to show engine in good condition with 2 years of use?
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Definitely not placebo as before I needed to topup engine oil before my oil change at 5000km. Now no need to topup at all, oil level is still good almost at the top level after 5000km.
emburrar
post Jul 12 2024, 06:19 PM

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Mahal dah ni
aziratul
post Jul 12 2024, 06:20 PM

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Tered divert to engine oil kek
JimbeamofNRT
post Jul 12 2024, 08:14 PM

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QUOTE(Cannabis @ Jul 12 2024, 02:43 PM)
yet there are still people trying to justify that they can save the downpayment as deposits as part of their financial planning, if they are given full loan.

so your financial planning includes scheming against bank?
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rules of the game: the house always wins
JimbeamofNRT
post Jul 12 2024, 08:17 PM

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QUOTE(Cannabis @ Jul 12 2024, 03:13 PM)
bank's policy is simple, they do not allow full loan cos they want to see the buyer to show their initial commitment in order to consider the application.

it's those sale agent that include add-ons to mark up the loan amount so when bank approved 90% of whatever that markup amount, the final amount will be the same as the retail price of the vehicle.

in another word, it's defrauding the bank.
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just to let you know
banks are fully aware of the practice cool2.gif

have you heard any case in the newspaper bank sued sales agent over this kind of thing?

did you know that every loan officer in every branch got KPI to achieve every single month? they even need to visit car dealers to promote their service

what does it mean to you when BANKS need to visit car dealers?
Akaashi
post Jul 12 2024, 08:17 PM

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QUOTE(knwong @ Jul 12 2024, 08:58 AM)
Buy house giving cash back how?
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Isn't that normal?
JimbeamofNRT
post Jul 12 2024, 08:21 PM

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QUOTE(Red_rustyjelly @ Jul 12 2024, 04:25 PM)
ya, if you have the finance to do it is ok.
but those who have no idea the circumstance are an idiot

US$380 million and counting: Rising ‘Buy Now, Pay Later’ debt in Indonesia amid greater ease of access
https://www.channelnewsasia.com/asia/buy-no...s-gen-z-4343856
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BNPL is just another scheme by financial co. , blessed by the Gomen to further control the population

u ask around, will u give utang to anyone with no proven financial tracking record?

with BNPL, AS LONG YOU ARE 18 years old, even no proof of income you can apply for one. and we got several BNPL provider here in MY.
JimbeamofNRT
post Jul 12 2024, 08:24 PM

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QUOTE(Akaashi @ Jul 12 2024, 08:17 PM)
Isn't that normal?
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it was just another scheme by dev after BNM FINALLY banned compressed loan

dev need to sell their overpriced properties , lured plebs to buy one with literally rm0 deposit by giving em cashback

this one is also another timebomb cool2.gif
MAGAMan-X
post Jul 12 2024, 08:26 PM

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Welp... you people want digital currency, this is but the first step towards total tracking of how you spend your money.

Pretty soon, you won't even be able to buy a tampon without the govt's approval.

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