Fine example of lacking in financial strength

That's the reason never take 90% and 7 or 9 years loan. 5 years 50% cukup, else means you cannot afford the car.

Downpayment too little and loan tenure too long?

Carsome also lowball nowadays?

He thought what, sold the car can complete cover loan ar?
Right now 28k down in equity.

Sell already buy another bezza 50k.
Still Owe back 78k.

Baru tau car is a trap.

If Jepang cars already low RV, then EV must be even lower??

i ingat HRV previous good value, price around 100K with 1.8. now vios 95K with 1.5 only

Likely both, those who take 9 yr loan and think they can sell and fully settle with residual amount really got problem with maths

Those take 9 years u usually don't want add extra commitment monthly.. For example there are company pay car allowance up to XXX amount as long as prove your loan repaymwnr.. So they stretch the loan to maximum and get the best car they want just to capitalise the full amount of car allowance.

Buy car and expect GOOD resale value = stab yourself in the heart and pretend it doesn't hurt.

ppl these days regardless of age, race and sex tends to stretch the loan to the max

plus die die dont want to put any deposit

I think if got 12,15 years loan also they will take

Nothing to do with resale value, rather financial literacy. Most likely the owner bought the car with full loan / high loans and at max 9 years. So what outcome was he expecting?

Pay until finish loan ler. What he expect?

they can hug and die with that good RV car

look into both way.
probably owner expecting that 2021 hrv have 60~70k if sell out

bezza: i got ur back during ur worst times

how come drop so fast.

TS didn't post the full thread.....

that HRV kena accident before, that's why the value so low

This post has been edited by ZeneticX: Oct 7 2025, 11:23 AM

recently learned.

proton and hondas share same rv %.

if you take 9 year loan, confirm cannot cover if you want to dump, have to top up.

unless you p2. 9 year loan any point in time u can just dump, either top up sikit or no need top up at all. not even toyotas have this rv.

all bank loans favourable are 4-5 years, won't kill you, but your downpayment must be high. for vehicle best to just treat it as point A to point B, level up and always do business. Every year try to save additional rm20k in epf until you retire if you makan gaji

This post has been edited by Avex: Oct 7 2025, 11:20 AM

wait few more years when market price go even lower, the value will not drop any further la

7 years 90% still ok depending on what brand and model. managed to sell my car last year and settle the loan with surplus

9 years is really pushing it unless you plan to own the car for 10 years

This post has been edited by ZeneticX: Oct 7 2025, 11:20 AM

Gomen should control. Max 5 year for car loan...

most likely he will getting back pain after that. lulz

When a poor man want to act gaya.....

Depends wat H models la
If city n Civic sure ok, my ketam lost not even 40k after 7yrs+ but FE suffers lower RVs.

another H. lol

Semua ingat kereta macam P2 walhal harga resale p2 la merosakkan market

Can't understand why ppl take 9 years loan and show-off the car.. So silly

My car market price RM 30k+ and outstanding loan left less than RM 10k.. If I trade in, can use it as DP for new car.. Just that no new cars that caught my eye now

poor still wan buy HRV, janji bergaya kan

i cant say he show off or not.
but 100% planned to 'normally pakai' the car until financially gone south, then thinking about jual that car fully recovery from it.


mcm my x50 now market 35-40k max, maybe slightly lower. loan less 12K now.. but i probably will drive few more years until better BEV or big capacity PHEV coming.

This post has been edited by josh5671: Oct 7 2025, 11:50 AM

For decades now, Msians have been taken for a ride until China comes in with their cars!

Insane profits Car companies have been milking from Malaysian!

either the car is accident/flood damaged or the carsome advisor is trying to do hanky panky.
for year 2021 honda hrv(lowest spec) can take around 55k-60k

Its not about the loan tenure or how much dp paid la

It all about how much can you pay per month without any burden. And many can only afford to pay for axia TBH but die die mau kereta lain

Not planning to change EV car ? I am still waiting for the right EV car to catch my eye especially the Perodua EV

Most likely plan to keep my current car once finish the loan and buy a new EV car for city drive while current car use for outstation

Buy JDM can BBB UUU

That's why you buy EV. Won't get RV shock.

Don't keep buying obsolete tin kosong tech.

49k should be fair , o rbid ++ 50-55k?

2021 is pre facelift

now is new HRV and got 1 facelift summore .

old HRV especially no tebu sure drop kaw

btw used car really bad now . ppl will just buy new or china cars . even new cars summore got many rebates .

true H no longer got high RV

only P2 selected models can get good RV like alza or bezza due to long waiting time for new

perodua EV i give grain of salt for a while, because their tech mostly based on jap, but jap not really good on pure EV (hybrid probably okay)

for me, really hand itchy got plan to change, but mcm not worth for now. because all these thing improve real fast.
HEV/PHEV: H6 (thailand FL version, with straight DRL look better), Sealion 6 DMI (not yet coming malaysia)
BEV: Sealion 7, Model 3 LR
ICE: C9 (not yet test drive)


especially x50 replace part before it broke down not really cost a lot.
i recently changed timing belt, fan belt, alternator pulley. parts + labour total 650 ish. worth.

also i mention big battery... what i mean like HEV/PHEV(whatever you call it) with like 30kw or more, maybe 50kw battery on it. so i can get pure electric 150~200km, and still can use it with petrol

that why u should buy cheaper car then upgrade. not expensive car then downgrade.

Jepang or Siamese

nasib last time i bought car with 5 years loan but 90%

that's why i prefer second hand car. find those good owners can last very long at good deal

good RV have to buy GR86, MX5, Civic Type R, GTR, etc..

heck even AE86 RV is extremely good.

thats TRUE JDM la...

i once owned a honda city , i bought it new then resell it back within 1 year , i sold off no need to top up , can cover the whole loan , maybe rugi abit on installment interest ... yea lucky me

aktelli, i in byd group malaysia, got lot of people selling 2023 dolphin standard range (rm100k ori) for 75-85k

much better that the german cars haha

toyota cross used car rm90k 2021

yes. ayam haz saddings. ayam wan downgrade to saga 4at je .

Many people buy to flip and make profit. Current market low, just hold from selling and wait for better market only sell. Buy low sell high.

soon new saga will get CVT.
but fc wont be good as it using the same engine like current model.

cos both under DRB? :X

Carsome also no different from used car dealers. 😅

I put 19k deposit and stretch loan to 9 years with the intention of using at least 12 years. Heck, if after 12.years low RV just keep as kereta pergi pasar or buy durian.

My previous Alza, used for 13 years, sold for 19k. I use that money as deposit.

This post has been edited by tupai: Oct 7 2025, 01:12 PM

because they are..i not sure since when people thinking they can get higher price from carsome lol

Er idk about you but interest for car is cheap though

Why not 9 years loan

Ive sold mine last time (toyota car) after 8 years, not only i can use the money to pay for the new car deposit, i got enough spare money to buy electrical equipment and kitchen cabinet too from the sale..

Unless u buy car with no RV then u lingkup la

u need to know flat rate vs effective rate.

2.65% of flat rate like in a car loan is 5% effective rate like a house loan.

HRV bukan stand for high resale value meh?

user like u are hard to find these days.

some ppl make 9 year loan, then on 3rd-4th year wanna trade in for newer model then shocked to see the amount that they need to top up to the bank

2015 launched around rm100K

nowadays u can find it cheap cheap in carlist rm30K onwards

I think honda jazz got better resale value

rm73K in 2015

now resale value around rm30K onwards


This post has been edited by JimbeamofNRT: Oct 7 2025, 01:48 PM

this kind of car customer group will be very niche

in short ..got value hard to have market

my pren just value his GT86 at mytukar ..mytukar x makan ..but only help to share in bidding platform (and take commission if deal is ON)

This post has been edited by fantasy1989: Oct 7 2025, 01:50 PM

This is the excuse ppl give to themselves so they feel good after overspending

jazz no more , the whole name plate is dead . now can mod becum JDM weekend car

HRV still plenty otr

This post has been edited by MegaCanonF: Oct 7 2025, 02:18 PM

Lel kesian.

Cant manage ur money dont blame other ler

singapore still selling the current honda fit rebadged as Jazz

https://www.honda.com.sg/shopping-tools/price-guide.html

if max 5 years loan... straight new car sales drop like stone into river

Rakyat spend big portions if their income in car... Not good for economy also actually...

our gov where got think long term 1.

they always practice "siapa cepat, dia dapat" when come to reward themselves

when come to responsibility "I tak tahu" or straight no reply and command other junior to take the heat or blame or worse, blame the rakyat "who ask u take this decision"

just look at gov study loan... no politician or party dare said or take strong action against defaulter for how many donkey years. Scare no vote them or opposition use it to fan the issue.

This post has been edited by Iceman74: Oct 7 2025, 02:34 PM

Perumpuan punya minor accident xleh caya

originally the whole 1st world and 3rd world countries got the same specs of honda fit/jazz.
now, 1st world still getting the honda fit and 3rd world got the honda jazz/city hatchback(cheapo and lower quality product).

Later 7 9 years loanee also said 5 years also cant afford

Buy cash la if you can afford 😁

Politicians mana care about the lives of the Rakyat when they treat Rakyat as tools to accumulate wealth?

then they are those that say if you cant afford ten of the same item means you cant afford it

ini salary 4-5k beli take 9 years loan - 0 or 10% DP , baru settle 3-4 years and expected got credit balance .

btw carsome also lowball for open bid for dealer car shop . if direct owner at least can get 5xk

This post has been edited by skloda: Oct 7 2025, 03:51 PM

but latee buy cash lhdn kirkkirkkirk pula

Fit RS looks gooding mang

it was like that what before 1990s

max loan 5 years, deposit 20% interest > 8%

I know what you mean.. Me from that era too.
me want to approve those loan also not easy tim, all documentation needed or need guarantor

housing loan also max 20 or 25 years loan only... now 35 years loan

This post has been edited by Iceman74: Oct 7 2025, 04:41 PM

Apa pun gomen kena control. Macam ada otak= tak de otak
nanti nak kencing pun kena tanya gomen dulu

Kalau ade sikit cerdik.. Tak paya ambil 9 years loan with 1/3 of salary for car loan..... Lol

this car industry generate so much income to gomen-of course they will keep creating more creative ways to make money

"In 2023, the Malaysian government received RM12.4 billion in excise duties from motor vehicle sales, which was projected to be a 1% decrease from the previous year. "

This post has been edited by JimbeamofNRT: Oct 7 2025, 05:01 PM

look ada, power ilek

who was the finance minister that time? 97-98 he pushing kaw kaw for us to accept the IMF deal. people mudah lupa..
the interest rate that time was the golden age for car salesman. they will get 1-2% from that interest.

This post has been edited by ulet: Oct 7 2025, 05:02 PM

9years loan lessen learnt

true

and again

https://1-million-dollar-blog.com/new-2012-...negara-malaysia



This post has been edited by JimbeamofNRT: Oct 7 2025, 05:07 PM

ado Honda ado .... hgggnh

Got 1 guy said better take Tesla with 9 year loan wor.

Always lol. Offered 30K for my estima. I sold to 2nd hand dealer got 41K. Anyway car was fully paid before I sold.

This post has been edited by saiga: Oct 7 2025, 07:05 PM

its tru, they have 0% promotion currently.
if you want buy car and have the cash, buy the tesla with 0% interest rates and park the money somewhere else to earn the interest.

The 0% is for 5 years loan only.

Did I miss anything? I just went to Tesla website, 5-year loan is 1.38% while 9-year is 1.88%.

This post has been edited by Fantasia: Oct 7 2025, 07:18 PM

Next time buy perodua. My Axia bought for RM33k in 2016, sold for RM20k in 2024. After 8 years only 40% depreciation.

I always don't like to opt for any down payment.. for me putting in my investment account will be the wisest choice.. in 15 years I've changed 6 cars.. 4 of them all did early settlement, 3 to Carsome since they always give me good price. I like 9 years loan it just made me richer in my accounts.

My dividend pays for the installment.. I buy car base on what my dividend can afford nowadays. So

Bbbutttt gaji 2500 boleh beli honda

Mana? Macam diuable