actually, the interest rate varies depending on the duration of loan as well as total amount of loan.
typically, if the longer the duration, the interest might be lower coz they still earning due to longer duration.
and for lower loan amount, the interest would be higher, cost the bank can't earn much if u borrow less.

it goes the same to house loan as well.

if you proudly pay cash for a car, the SA won't be happy coz he can't earn commission from the bank loan. FYI, SA when they sell cars, they do get a cut of commission from the bank loan coz this is how the bank officers "sell" their loan coz they got quota to meet too.

and for car loan, sometimes your monthly salary would affect the interest rate you're getting too. People with higher salary might get a lower interest rate because the bank sees it as less risky. I know this is very unfair to ppl who are earning less too but that is how it works. And if your salary is high and your financials are nice (meaning dont owe lots of money to bank for credit card/mortgage etc), then your loan will be approved very fast.

i learn these from my dad as he was an SA long ago for many years and also just by speaking to the present SAs and ppl in the bank industry.

This post has been edited by dARKaNGEl: Feb 5 2009, 02:27 AM

wah travis, u really want to change your myvi d?
give me a ride once when u get a new NHC or civic ya

go to this link and read more about the pug 308 first.
http://tzm.my/files/p308.pdf

very informative and quite a lot of details in it. I actually read all the 184 pages late late last night...
learnt a lot and i think it's definitely worth 96k.

you should read it too before deciding to really buy it.

yeah, agree that the 2k discount the Pug SA offer is a good discount. 2 weeks get car? sweet

Yes i believe the specs offered by nasim are covered well in there.

Standard Features - Cruise Control, Daytime Running Lights, Audio Control behind the steering, Auto Wiper, Auto Front Headlamp, Auto Dimming Rear View Mirror, Immobilizer, Follow Me Home Lights (i think this also standard), AL4 transmission with 4 modes (Normal, Sport, Snow, Manual), EP6 engines, Ambient light

Turbo - ABS, EBD, ESP, 6 airbags, Dual auto Climate Control, Rear air cond vents, Air Fragrance at the middle of the front air cond vent

I think what may not be offered by Nasim are 5 CD changer, Bluetooth module for the player

Not sure what I left out. Too many in the slides. Better read yourself. Btw, at the last slide, there's a Naza logo there, so I think the slides is according to the specs that they offer or at least 80% that I'm sure of.

Thought of changing car also. But now economy not good. Better stay put and see how it progress towards middle this year first. Moreover, my parents retired and my dad had some health problems recently, so keeping the money for emergencies. Can only say current commitment to family a bit high la.

I have been reading a lot on these few cars:

Altis 1.6 and 1.8
Civic 1.8
Slyphy
NHC
Pug 308 since the launch of it
Ford focus and Ghia
Upcoming new Mazda 3 2010

Been thinking a lot
Desire and urge to change a car is high within me, but rationale tells me to be patient, stay put and see first
Save to buy a property maybe a wiser choice... but again which man doesn't want/like to drive better cars right?

Naza Ria that bad? A colleague of mine driving it and not much complaint from him also. Just a bit on the servicing side that's all.

well, depends on how often u load up your boot full. usually happens only when u go travelling to different state or go for a real shopping spree.
again if shopping, maybe u dont have all 5 ppl in car, so then you can still use your rear seats as space for your shopping bags.

i took a look at the boot of the pug308 in showroom, and it's actually quite big although probably 100 litres less space compared to NHC. Should have any problem loading some big luggage.

just saw 1 PMM NHC at TTDI petronas area just now. Then one black one in Cyber and another silver at LDP near the KDU in Damansara Jaya.
can see getting more and more on the roads

i think calculate FC by KM per litre is better. Bcoz, regardless of the fuel price per litre, the FC calculated that way will remain the same.
ppl usually say km per litre or miles per gallon (in UK and US) for FC.

wow, ur bro S-spec and u E-spec. both brothers also bought NHC at same time. same taste ya

Banker's cheque? u mean bank draft is it? yea, can use bank draft. ask the SA what company name (Honda (M) sdn bhd??) to put on it.
You can also pay using your credit card. this way you get points too . just make sure u call ur bank first and inform them about it and tell them to make sure the transaction only goes tru once.
coz my ex-colleague when he paid using credit card, the SA swipe his card, but see no reaction from the machine, then simply swipe again. in the end, the bank called him right after he drove out the car from the showroom to inform him. he was basically charged twice..