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 After sell EV still owe bank lots of money

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haturaya
post Jun 16 2025, 10:24 AM

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QUOTE(Zer0 c00L @ Jun 16 2025, 10:19 AM)
a zeekr X below rm100k would be awesome hahaha
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Nice one if you manage to get 2nd hand with that price point. Happy hunting. thumbup.gif
rempit_mastarace
post Jun 16 2025, 10:27 AM

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"Full 9y loan 0 DP"

Mastarace detected.
Kurang tahun bayar mean kurang malais gene
kira_88
post Jun 16 2025, 10:32 AM

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buy EV and expect to sell without loosing money is bodo
lkyoong
post Jun 16 2025, 10:34 AM

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Buy ICE or EV your mindset should be just to use like a tool. Dun expect u can sell for profit. Just drive and maintain the car as best you can.

U treat the car well and it will do the same. When time to change then when u sell, use what u get to cover some cost for the new car.
cikalakacikaci
post Jun 16 2025, 10:36 AM

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I don't buy car to resell it,but a good RV is the good escape plan in case things go wrong


noien
post Jun 16 2025, 10:36 AM

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Buy 2nd hand to get the best value
yhtan
post Jun 16 2025, 10:50 AM

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QUOTE(Dothan @ Jun 16 2025, 09:54 AM)
When there is a demand, there is a market.

Believe it or not, Malaysia will be full of 3rd party EV battery replacement service in coming years.

As EV owner shall not worry and just enjoy the ride. Let the ICE owners keep mumbling sh*t like boiling water.
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Last time ada manyak complain hybrid battery mahal, cakap replacement will cost RM15-20k, now below RM10k can replace liao, if not mistaken with RM6-8k can replace liao.

Then u can see more and more workshop who able to fix hybrid car sudah beli EV diagnose machine and start venture into this business.
Sichiri
post Jun 16 2025, 10:53 AM

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QUOTE(TOMEI-R @ Jun 15 2025, 04:39 PM)
Unless you have the mindset of buying a car and can accept full depreciation value like one of our forummer Boy96, then EV is definitely not for you. If you noticed our friend here buys all the "cold" cars like Ford and VW and yes the mentioned BYD Atto. Basically he doesn't mind the depreciation that comes with it.
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He's rich. doh.gif
apa apa mindset blahblah. If you're rich you don't care about RV. Thats all.
Boy96
post Jun 16 2025, 10:59 AM

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QUOTE(Sichiri @ Jun 16 2025, 10:53 AM)
He's rich.  doh.gif
apa apa mindset blahblah. If you're rich you don't care about RV. Thats all.
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If rich already buy aston martin, jaguar, maserati, bentley, lotus


Not pijot, ford, vw, caina ev doh.gif
TSknwong
post Jun 16 2025, 12:01 PM

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QUOTE(Boy96 @ Jun 16 2025, 10:59 AM)
If rich already buy aston martin, jaguar, maserati, bentley, lotus
Not pijot, ford, vw, caina ev doh.gif
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What will be your next car after Atto?
Boy96
post Jun 16 2025, 12:05 PM

That's a tripod.
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QUOTE(knwong @ Jun 16 2025, 12:01 PM)
What will be your next car after Atto?
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No plans yet, thinking of just selling the peugeot and/or ford because underutilized, one year mileage less than 1k km travelled. So no need any additional car
zerorating
post Jun 16 2025, 12:08 PM

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QUOTE(yhtan @ Jun 16 2025, 10:50 AM)
Last time ada manyak complain hybrid battery mahal, cakap replacement will cost RM15-20k, now below RM10k can replace liao, if not mistaken with RM6-8k can replace liao.

Then u can see more and more workshop who able to fix hybrid car sudah beli EV diagnose machine and start venture into this business.
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i dont think people complaining those less than rm10k replacement, but rather rm100k replacement from beloved conti brand.
Sichiri
post Jun 16 2025, 12:11 PM

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QUOTE(Boy96 @ Jun 16 2025, 10:59 AM)
If rich already buy aston martin, jaguar, maserati, bentley, lotus
Not pijot, ford, vw, caina ev doh.gif
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I know you're rich ok? Friend told me wan. biggrin.gif
jasontoh
post Jun 16 2025, 12:13 PM

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QUOTE(Avangelice @ Jun 15 2025, 06:16 PM)
My petrol usage in kuching per week. Myr 60 half tank fill. That's how little I drive in this city.

60 x 4 weeks = 240 myr
240 myr x 12 months. 2880 myr per annum.

Battery life of byd?

This is the following from other thread

BYD Atto 3: RM22,835 total cost, or RM3,262 per year on average
Chery Omoda E5: RM23,031 total cost, or RM3,290 per year on average
GWM Ora Good Cat 500 Ultra: RM18,047 total cost, or RM2,578 per year on average
BYD Seal Performance: RM31,148 total cost, or RM4,450 per year on average

In short.... Ice still wins with petrol subsidy. Only change when goverment remove subsidy
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Those saying solar don't realized they actually are paying the electricity/fuel in advance
yhtan
post Jun 16 2025, 12:23 PM

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QUOTE(zerorating @ Jun 16 2025, 12:08 PM)
i dont think people complaining those less than rm10k replacement, but rather rm100k replacement from beloved conti brand.
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RM100k mainly is those inverter, conti punya hybrid better avoid at all cost, the most reliable punya still toyota/lexus punya.


jasontoh
post Jun 16 2025, 12:23 PM

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QUOTE(yeapsc73 @ Jun 15 2025, 08:40 PM)
Depends on rate whether worth or not. I took 9 year loan for my Tesla at 2% rate or effectively 3.7%. I have the cash to pay direct but figured that there are much better uses elsewhere for it.
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Similar. I'm taking 9 years loan instead of paying more and taking shorter tenure because of high monthly repayment, which if lower can be use as investment, and the extra cash that I put even by waiting for some passive investment also enough to pay the car maintenance. In financial, I think we need to be more flexible on how to play around so that we can optimized the money and get the highest ROI out of it.
TSknwong
post Jun 16 2025, 12:58 PM

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QUOTE(jasontoh @ Jun 16 2025, 12:23 PM)
Similar. I'm taking 9 years loan instead of paying more and taking shorter tenure because of high monthly repayment, which if lower can be use as investment, and the extra cash that I put even by waiting for some passive investment also enough to pay the car maintenance. In financial, I think we need to be more flexible on how to play around so that we can optimized the money and get the highest ROI out of it.
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Car loan can pay more installment meh?
Can only pay 1 lump sum early settlement (with rebate somemore)
...never heard hire purchase works like home loan - pay more, can shorten tenure
dickybird
post Jun 16 2025, 01:01 PM

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QUOTE(jasontoh @ Jun 16 2025, 12:13 PM)
Those saying solar don't realized they actually are paying the electricity/fuel in advance
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exactly this!
pay for expensive EV and then add on PV package on roof
EV SA banyak earning!
jasontoh
post Jun 16 2025, 01:45 PM

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QUOTE(knwong @ Jun 16 2025, 12:58 PM)
Car loan can pay more installment meh?
Can only pay 1 lump sum early settlement (with rebate somemore)
...never heard hire purchase works like home loan - pay more, can shorten tenure
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There are 2 type, one is the HP and another is like the housing loan. But my higher installment here meaning 9 years the repayment will be lower than 5 years. Eg 200K 2.8% for 9 years meaning repayment is 2785.19 vs 5 years 3.8K. The 1K difference can be use to generate money.


The one like housing loan works like housing loan. Even HP if you are able to finish it in 5 years, but you get 9 years loan, they will deduct all the interest before you do the final settlement.

This post has been edited by jasontoh: Jun 16 2025, 01:48 PM
SUSlurkingaround
post Jun 16 2025, 01:59 PM

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QUOTE((haturaya @ Jun 16 2025, 09:32 AM)
EV = kereta pakai buang.

Still want to buy using 9 years loan?
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QUOTE(Dothan @ Jun 16 2025, 09:36 AM)
do you question other people buying iphone/samsung?
Why bother?
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The other people buy iPhone/Samsung with 9-years bank loan.?
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