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 LYN Myvi Owner's Thread V14, It's A Passion

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saddient
post Jan 8 2009, 08:54 PM

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From: dine in the hell


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

notworthy.gif notworthy.gif notworthy.gif notworthy.gif notworthy.gif
saddient
post Jan 8 2009, 09:16 PM

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QUOTE(gkl83 @ Jan 8 2009, 10:07 PM)
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...
*
thats mean I only can get the loan by myself on or after 21 years old? Both Q I also able to fulfilly...

can i choose to shorter period of installment? and possible the 4 % rate will be decreasing too?


Added on January 8, 2009, 9:17 pm
QUOTE(Full_throttle @ Jan 8 2009, 10:04 PM)
aiya..i said go service onli ma..not complaint major service oso  sweat.gif


Added on January 8, 2009, 9:07 pm

how long have u been working?

not yet 20yr old but salary up to 3.5k? do wat ler? sweat.gif
*
about 8-9months... as a sales assistant... biggrin.gif

This post has been edited by saddient: Jan 8 2009, 09:17 PM
saddient
post Jan 8 2009, 09:32 PM

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Senior Member
686 posts

Joined: Jun 2007
From: dine in the hell


QUOTE(Full_throttle @ Jan 8 2009, 10:29 PM)
then i supposed d salary range u stated are inclusive of commisions,etc rite?
think they'd ask u for a guarantor then  hmm.gif
*
ya including commissions... so i still need someone to be my guarantor?
saddient
post Jan 8 2009, 09:37 PM

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Senior Member
686 posts

Joined: Jun 2007
From: dine in the hell


can i paid less down payment but more installment?

so i guess I have to reach till 21 years old only can get my own car without any guarantor right/
saddient
post Jan 8 2009, 09:44 PM

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Senior Member
686 posts

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From: dine in the hell


i get confirmed d by company and became permanent staff d..


already worked for my company for 9 months.


so Im possible get approved by the bank officer to get the loan? which bank offer the best rate? or all also same?

still dunno going for which model of Myvi... head aching now .

shakehead.gif shakehead.gif
saddient
post Jan 8 2009, 09:54 PM

yes or no
****
Senior Member
686 posts

Joined: Jun 2007
From: dine in the hell


QUOTE(gkl83 @ Jan 8 2009, 10:47 PM)
then u should consult with ur SA whether u r capable to get loan or not...
and different banks offer different interest rates when different seasons, consult this with ur SA too...

Q1 u want air bag and ABS?
Q2 u want auto and manual?
Q3 u want factory's bodykit?
*
sorry what is SA/

Q1 i want both of them
Q2 manual

and what is factory bodykit... sorry for my stupidity
saddient
post Jan 8 2009, 10:07 PM

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686 posts

Joined: Jun 2007
From: dine in the hell


the i q3 i dun nid... jst need abs and airbag
manual... pearl white... hehe ...
saddient
post Jan 8 2009, 10:21 PM

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From: dine in the hell


hw about EZi?? current model and discontinued model whats their diff except their prices?
saddient
post Jan 8 2009, 10:27 PM

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From: dine in the hell


QUOTE(gkl83 @ Jan 8 2009, 11:24 PM)
discontinued means no longer in production line lah... no more new car for it.... unless u dont mind 2nd hand myvi... sweat.gif  sweat.gif  sweat.gif
what shaking? dont compare with myvi with vios or city... definitely vios or city more comfort and solid than myvi...
*
oic... but the new model not nice wor.. aiyak... sorry one more n00b question.. all the price for myvi same? i mean.. no matter where i buy... Pahang, Kl, N.Sembilan or Johor still same right?
saddient
post Jan 8 2009, 10:39 PM

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From: dine in the hell


but u said not in the production anymore?
saddient
post Jan 8 2009, 10:55 PM

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686 posts

Joined: Jun 2007
From: dine in the hell


QUOTE(gkl83 @ Jan 8 2009, 11:42 PM)
maybe they built it before stop production and no buyer to get old pearl white SXI yet? who know?
nothing is impossible... maybe P2 factory can offer additional discount if u want to get the old design myvi...
*
u mean so far no one bought old pearl white SXI???

lol hopefully but i guess after 21 years old only can get the car

dunwan let my parents become my guarantor...

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