I am looking to buy used SUV, around RM50-60k, preferrably less than 5 years old. Not Proton/ Perodua, not a BRV.

So far I am looking at the Nissan X-trail from ~year 2020, Have not decided on whether the Hybrid (5 seater) or non-hybrid (7 seater).
I am leaning towards the 7 seater, non-hybrid, which seems cost 10k more than then hybrid ones, despite hybrid models are more expensive new.

My questions:
1. Looking to buy this cash. If I buy it with a 50% loan (30k loan), what would be the interest rate look like? 3%? Would any bank even bother to lend this amt?

2. I know Nissan X-trail is prone to have CVT issues and gearbox replacement is around ~6k.
Is there any other parts that is prone to have issues that is expensive that I need to know?

3. Replacement of the Hybrid batteries is quoted by Nissan as RM25,000. Is there any shops that can replace the battery with a lower price? I cannot find any info online. (I figured this is the main reason why the hybrid version is much cheaper?)

4. I inquired a few dealership about the processing fee, and was quoted about ~4k (including ~2k insurance without CKD, ~450 road tax and other processing fees that is nearly 2k, another dealer quote me 3.8k processing fee?! ), Is that reasonable?

This post has been edited by perseides: Aug 26 2025, 11:14 PM