QUOTE(saddient @ Jan 8 2009, 08:54 PM)
2 questions here...
Im 20 years old this year... not even 20 years old because haven reach my birthday yet... on december liddat.
1) Is it necessary I turned to be 21 years old before I can get my myvi ( i mean the loan without asking my parents to be "penjamin"
2) Which bank gave the lowest loan rate to me? My salary range between 2k-3.5k

Im 20 years old this year... not even 20 years old because haven reach my birthday yet... on december liddat.
1) Is it necessary I turned to be 21 years old before I can get my myvi ( i mean the loan without asking my parents to be "penjamin"
2) Which bank gave the lowest loan rate to me? My salary range between 2k-3.5k
Q1. do u have pay slip from company? if yes, proceed to Q2
Q2. do your office confirmed u as permanent staffs?
if both Q u able to fulfilled, u only able to pay up to RM650+ per month for ur car installment if based on your lowest salary range... assumed u able to pay 10% downpayment of RM45000 car price with 7 years installment @ 4% interest, you definitely can get the loan... but the bank may concern that you are too young to get loan and no able to pay later if u no longer to earn salary or tend for further study, most probably required for guarantor to ensure the car can be pay by another party... unless u have worked for your company very long time the bank may consider that is ur permanent job and no longer for study in future...
Jan 8 2009, 09:07 PM

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