338 Comments

Graduate Scheme : Car Loan Interest Rate 2012


Good news for our young fresh graduates! Our bank panel is now offering lower car loan interest rate for graduate scheme (skim graduasi) starting from June 2012. The interest rates are categorized as follow:

Down Payment Car Model Rates
0% down payment All models 2.98%
10% down payment Local Cars 2.88%
10% down payment Non-Local Cars 2.78%

1. What is graduate scheme?
Graduate scheme is a another type of car loan offered by certain bank to fresh graduates (age less than 30).

2. Why should I take graduate scheme?
There are few reasons why you can’t avoid taking a loan under this scheme. Firstly, you haven’t worked for at least a year. Your net salary does not meet the minimum requirement. Under a normal loan, you are required to provide a guarantor, however by having this scheme, guarantor is not needed unless you are applying for extremely large amount of loan.

3. Why is the interest rate higher?
Bank has their own way of managing risk and how the amount of interest rate was determined shouldn’t be questioned. In their point of view, fresh grads carry a higher financial risk as compared to other older group.

4. What documents should I prepare?
5 important documents should be submitted to the banks. These documents include a copy of your IC, license, 3 months pay slips, and 3 months bank statements. You also need to give us a copy of your degree/diploma slip.

5. I haven’t started working, but I only have the job offer letter?
You are still eligible to apply for the this scheme. You don’t need to provide a copy of your pay slip if you already of your job offer letter.

6. I want to buy a second car, can I apply for Graduate Scheme?
The answer is YES and NO. You cannot apply for this scheme if you have had any previous car loan with any banks.

7. I only have SPM, can I apply for this scheme?
NO you cannot. You need to have at least a diploma/degree.

8. I am still studying at a university, am I eligible?
NO you are not. You need to have a guarantor, preferably your parent.
 

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338 comments on “Graduate Scheme : Car Loan Interest Rate 2012

  1. Ko biar betol interest rate tu..tu macam normal interest rate je..

  2. 2nd hand car can apply for Graduate scheme? how about the interest rate? normal interest rate for 2nd car are more higher right. 3.5-3.8%. However under this scheme the interest rate is 2.98%. little confused here. it’s looks like better to take this scheme whenever some one buying 2nd hand car (for 1st time of course)

  3. seriusly rate tu??

  4. kalau kerja dah lama, (12 tahun), guru siswazah. berapa interest rate untuk model proton saga?

  5. aritu ade dealer proton bgtau untuk skim graduan ni interest nye 3.1%… mane yang betul ni..

  6. sy dah grade tahun lepas. diploma. skrg ni sy kerja online part time tanpa slip gaji. boleh ke apply?

  7. Kalau dah grad lebih setahun, adakah boleh apply guna Graduate Scheme?

  8. Salam, would like to ask, does this offer applicable to proton cars?

  9. Salam. How about the loan limitation?

  10. just want to ask how bout contract worker for example, contract balance is only 2 month can i apply for this scheme?Another things can postgraduate student with scholarship apply this loan?

  11. bro..saya nak tanya,misal kata..gaji saya pda bulan pertama,rm866..pda bulan ke 2,rm1015 dan bulan ke 3 rm 985..bleh ke sya nak bwat loan perodua myvi secondhand..?sya ingin memiliki perodua myvi..dan sya target rm400 byaran sebulan..

  12. saya mak beli suzuki swift GX model~ gaji saya dalam 2300~ and downpayment 10%. berapa bulan2 and berapa interest? boleh ke guna skim graduan ni?

    • Wasalam Nor, jika saudari baru mula bekerja, saudari memang seharusnya mengambil pinjaman menggunakan skim graduasi. Jika saudari mempunyai penjamin, saudari boleh apply menggunakan pinjaman dibawah skim biasa kerana interest yang dikenakan adalah jauh lebih rendah. Hubungi pihak kami di 019-3559448 untuk maklumat lanjut.

  13. cn i knw the rate is fixed base on the table u giving? cus many of them say 2.88 n i will help u to fight n get the lower rate, but every time is 3.2+ something…and then i js only have 2 month payment n i will give 5k down payment is it i still need a guarantor? my net income is 1700. and the last one what offer u cn give except cn get the lower rate?
    thnk!

    • Hi tee, you didn’t mention to us the car model that you are interested with. As for Perodua and Proton, the interest rate is around 2.88% and sometime we can get 2.85% for our previous customer. The rate may vary depending on the banks and also the customer’s eligibility. Do call us if you are interested at 019-3559448

  14. salam..sy nk tny..sy guru KPLI n masi under latihan lg…thun dpn br dpt kj tetap..skrg ni sy just dpt elaun jak rm1300..bole ka sy apply skim ni?sy b’mint nk bli keta rush 1.5S (auto)..

  15. bro..apa dokumen yg diperlukan oelh guarantor..??

  16. Hi…I feel wanna buy Honda civic with 0 down payment…my salary is rm1500..basic rm1200 allowance rm300.and I have work part time rm 500-1000..and some freelance job..so can I buy my dream car?I m diploma graduated student..what is my next step?

    • Hi there, the bank will take into account your basic salary and your fixed allowance. A chance of getting a civic is impossible. The max loan you can go with a guarantor should be roughly RM 50k and below.

      • hi,,so in my case fixed rm1500. And part time rm 500-1000 and freelance some job……I wanna buy a car with skim granduasi and without penjamin,and 0 down payment ..what ur advise to me? I prefer non local car..or u can provide me some local n non local car model for refence ? Sorry so trouble u .but I hope can get help from u guy.thanks and happy working..

      • Bank will tk into my account of my fix part time job salary not..I mean can I join my both job salary to summit bank? Or if my basic salary salary is rm1900 plus my part time salary is it possible to get civic? Sorry for trouble and many question

      • Hi Kumbang, what Zaki said is correct. You need to have at least RM 3,500-4,000 basic salary.

    • bro, you need to have basic salary at least 3.5k-4.5k to make loan for honda civic. =.=”

    • Kum bang…mana nak lepas lol..now days loan lagi ketat..wanted salary 3500 and abovee..parttime job tidak dikira pun

  17. Kalau gaji sy rm2030,nk ambil preve lepas x? Dh keje dlm 6 blan dgn company yg sama, sblom ni keje tmpat len

  18. salam…hai wanted to knw if i can apply for this graduan scheme…i already qualified last year and currently already working…planning to have toyota camry 2.0G.May i knw how the procedure for the scheme.Much appreciated if u can update me.TQ

    • May us know what is your net salary?

      • my net salary is rm6500++

      • That’s a big amount but are you sure you want to buy this car using this scheme? You can save a lot of money on interest if you can pay at least RM 5,000 and get a lower interest. The interest for camry can be as low 2.38% and if you go for grad scheme, the rate is 2.98%. The waiting period for this model could be within a month, and you could probably save some money to pay for the down payment. If you are interested, just give us a ring at 019-3559448.

  19. salam..nak tanya.saya merupakan fresh graduate dan akan start kerja 18hb jun ni di Mardi (badan berkanun) tetapi sebagai pekerja sambilan harian.boleh ke saya apply utk graduan scheme ni?

    • Wasalam, tiada masalah. Saudari boleh apply cuma saudari perlukan penjamin kerana status pekerjaan sambilan. Ayah atau ibu boleh menjadi penjamin kepada saudari. Jika saudari berminat, boleh hubungi kami di 019-3559448.

  20. Assalamualakum, i’ve a question, sekarang saya dah habis Degree and will start a new job on 16th July (estimated). Tapi masalahnya sekarang saya belum grad lagi (tiada sijil grad). And nett salary is rm1400 and fix allowance is rm100. saya nak kereta myvi SE 1.5 .. How?

  21. hi…gaji bersih sy ialah rm2.4k…fresh grad…diploma holder. sy berminat dgn proton preve premium. adakah gaji sy mencukupi utk membeli kereta ini?tq

  22. Hi maxwell, you boleh apply pinjaman menggunakan skim graduasi dan kami boleh bantu. Sila sediakan salinan IC, lesen memandu, pay slip 3 bulan dan bank statement 3 bulan dan slip diploma. Hubungi pihak kami jika you sudah membuat keputusan.

  23. skim grad tersebut berapa tahun?

  24. Klo basic salary 4.4k
    Lepas x loan tuk kia optima k5 full loan..thanks

  25. bro..jst nak tanya la kan….gaji saya rm3000…boleh ke saya beli preve high spec Rm73k atau polo sedan….
    full loan tuk kedua-dua model…berapa bayran bulan2 eh?

  26. o..ok2….berapa bayran bulanan kalau full loan?

  27. hye
    gaji saya 3200 tapi dah ada dua kereta atas nama sendiri..
    satu proton satu toyota..total loan 1500 dlm sebulan..
    berminat dgn golf gti boleh lepas tak gaji mcm ni?
    maby nak jual proton jadi tolak rm400…

    masalah skrg pernah masuk loan dgn bank tpi reject sbab payment bermasalah..
    ianya disebabkan pernah jual kereta di used car dan mereka biarkan payment tertangguh 3 bulan baru depa bayar sebulan..begitulah smpai ada buyer baru… nama x tukar selagi kereta lum jual..jadi rekod tak cantik…

    kalau gaji x ckup boleh sertakan simpanan asb kan..?asb ada 45k.dan ada saving 31k dlm akaun lain
    kalau masalah mcm ni boleh tlg x..?
    nak bayr deposit 20k…montly berapa ye?
    deposit ni x ambik duit asb..

    Reply ye..nanti saya follow up kat cni..Tq..

  28. lupa nak ckp saya minat yang model Golf GTI 2.0 Turbo TSI. harga dalam rm209,888.00 ataupun Polo GTI 1.4 TSI 135,888.00

    gaji saya lepas ke?kalau saya jual 2 kereta saya ni adakah gaji bersih saya diatas lepas?gaji bersih 3200 + elaun tetap 700
    kereta skrg x de masalah nak jual sebab downpayment masa beli tinggi ..hutang x banyak..

  29. bro,im a fresh graduate.already get my surat pelantikan bt not yet start workg.my basic salary stated is rm2700. if i take preve premium using skim graduan is it possible?when must i make the 1st repayment for the loan?how much will i have to pay monthly?

    • Yup, it shoud be possible. We can apply a loan under the graduate scheme for you and we have handle similar case before this. Give us a call at 019-3559448 and we have sent you the quotation for your reference.

  30. hi, saya sudah berkerja hampir 5 thn, berkelulusan ijazah. tak pernah ade kereta.. bole ke apply graduate scheme?

  31. hi kalau sy nak amik saga flx 1.3 stndard,basic 1000,tp gerentor keje kerajaan,boleh lepas tak?tp gerentor sy baru je keje,tak sampai sebulan,kalau lepas,berapa rate sekarang,dan berapa bulan2 yg sy perlu bayar?0 downpayment…

    • Guarantor tu kawan ke? Pihak kami boleh cuba dan sila sediakan salinan IC, lesen, pay slip 3 bulan, bank statement 3 bulan. Penjamin perlu berikan salinan ic, job offer letter dan bank statement 3 bulan.

  32. Saya interested with vios(E) or (J) auto, ingin mengunakan graduate skim,umur 29 thun this year, dah bekerja 2 years, married, basic rm2600, after deduct epf rm2300 going to have a commitment end of this month with personal loan amounted rm334..Adaka sy eligible utk amik skim graduan ni, interested to trade in myvi se 2009 yg sedang sy gunakan sekarang but that myvi under my brothers name..any advice from you all guys..?

  33. Salam, Nak tnye… graduate scheme nie mcm hire n purchase scheme ker??? Die gne Islamic loan x or conventional loan???…

    then kalau saya nk bli proton saga flx exec mt solid white brape down payment kne letak n monthly brape or de beza x interest rate kalu amek 100% graduate loan ngan byar 10% for down payment dpt lgi lower interest rate x… n de promosi latest x…

    knape kalu g showroom keta ble nk tnye brape interest rate yg sy kne kne ltak booking price dlu n then die tgk bank mne… kalu interest tinggi n sy xminat burn ke booking tu huhu… mcm ne sy nk tau layak ker x n brape interest rate tuk sy huhu…

    Please help me… Saya lost n tkut silap berhutang smpi xmampu byar huhu…

    Gaji bulanan : rm2400 (tolak epf dll, rm2100)
    Umur : 26 thun
    Kelayakan: Degree
    Kerja: lebih 6 bulan…

    • Maaf kan saya, tapi kenapa pertanyaan saya tidak dibalas, adakah saya bukan pelanggan yang penting atau tidak berminat dengan permintaan saya?

      Thanks.

      • Salam, maaf kerana pihak kami tidak perasan comment ini. Graduate scheme menggunakan islamic loan dan ditawarkan oleh bank islam. Jika tuan ingin bayar 0% down payment, interest adalah 2.98% dan bagi 10% down payment, interest nya adalah 2.88%. Tetapi jika tuan sudah berkerja lebih daripada setahun dan mampu membayar down payment, rate mungkin lebih kurang dan tuan tidak perlu mengambil skim graduasi ini.

        berkenaan dengan interest rate, selalu nya berubah mengikut bank. Betul apa yang tuan cakap dan jika tuan berminat, kami akan hantarkan quotation dengan segera ke email tuan. Mohon ampun di situ.

  34. saya otw beli used car saga blm m-line model 2009 daftar tahun 2010.
    kerja dah 7 bulan
    gaji bersih tolak itu ini rm1133.
    1st time loan.
    harga kereta rm35000
    deposit ready rm5000
    dealer bg rm500 dis.
    guarantor kerja kerajaan gaji bersih dalam 3500++

    1)jumlah di pinjam rm29500 jadi berapa interest rate sepatutnya bank akan bagi?

    2)loan dah submit ambank. dah sign aggreement tapi guarantor belum sign lg sebab nak kena pos tempat guarantor. ambank bagi 5% interest. ini ka interest paling rendah? tiada bank lain paling rendah??

  35. nak tanya interest terkini untuk used car bape eik?

  36. hi,
    sy nk tnya, sy dah hbis dgree, tp konvo dijangka bulan 10 ni. sy dh dpat keje tp kontrak 1year, basic salary rm2600. boleh ke sy nak apply skim graduan ni, n current rate bpe skang? kalau sy layak, blh ke lau nk myvi extreme n monthly bpe ?

    • Ass, kami boleh cuba dapatkan pinjaman bagi awak. Status pekerjaan awak adalah kontrak dan besar kemungkinan tuan perlu sediakan penjamin. Jika penjamin diperlukan, adakah tuan dapat menyediakan nya? You nak apply 10% or 0% down payment?

  37. tq for quick respon.. macammane yea sbb susah sikit nak cari penjamin coz parent tak kerja.. saya nak apply 0% down payment.. so document apa yang perlu saya sedaikan? n kalau saya nak ambil Myvi SE 1.5 Auto brape m0nthly payment encik?

  38. kalau beli dgn ko dpt byk free gift x n recommendation elaun x? aku nak beli n rsnya layak utk scheme ini.

  39. Hi MyBCD,

    Saya merupakan fresh graduate, Bekerja dan sudah confirm(baru 5 bulan keje), Gaji bersih rm2000.00
    Sy plan nak mendapat kan kereta. yang zero 0 dwnpymt. Bulan2 bawah rm500
    Saya plan nak mendapatkan kereta Persona kerana saiz dan cc yang agak economical(long term) utk saya. Soalan saya:

    Loan biasa atau Graduate scheme yg sesuai?
    Boleh ker dapat persona baru xpn kene amek 2nd?
    Any Possible car yang saya boleh dapat dgn Monthly RM500 & Zero DP?

    • Hi, you can apply for 0% down payment and only b-line manual is available in the market. Let us know if you are looking for auto or manual and please note that we don’t have any used cars to trade in at the moment. Give us a call at 019-3559448 if you are interested to get the manual version. Thanks! Interest sekarang ni hanya 2.98% bagi skim graduasi.

  40. If i d take loan before i graduate ,but now im graduate can i change the to enjoy car loan interest 2012

  41. Hi, i have my offer letter to join work next month, i have just graduated, basic rm2700.. I can put a d/p of rm10k.. how much of maximum loan amount can I look at? is it better for the graduate scheme or shall i work for 3months and take a normal loan? I can provide a guarantor(parents).. I am looking up to a two door car.. either used or new..any recommendations?

    • Hi Jay, the only model we can think of is the Forte Koup but the price is around RM 115k. We are not sure about your budget and kindly give us a call at 019-3559448. Neo cps has been stopped for awhile and if you have any other model in mind, just let us know. Thanks!

  42. hai..saya nak tanya la.
    gaji basic saya RM1400. gaji bersih dapat RM15++.
    saya lepasan graduan & sudah setahun lebih bekerja & tidak pernah berhutang dengan bank.
    berapa gaji basic minimum untuk membeli toyota vios?terbaru ataupun terpakai.
    saya nak 0% dp.

  43. Hi, I’ve been working in Singapore for 7 years now since graduation, 27 years old, with an annual income of 50k Singapore dollar and above, hence would like to know if I’m eligible for loan, what is the max loan allowing, and what are the documents requires? Can I use the CPF(Central Provident Fund, 20% of monthly income, similar to EPF in Malaysia) contribution as a prove of my income?

  44. hi .im going to graduate on sep (2012) so can i apply this scheme …
    thank u

  45. If I already worked for more than 1 year, should I apply under these scheme (Graduate scheme)? can I apply under normal loan? if I can apply under a normal loan, what is the interest rate for a local car? Thanks…:)

    • Ain, it would be much better to purchase using the normal loan. Are you able to pay some amount of down payment? or 10%? Interest rate for graduate scheme is 2.98% if full loan. 2.88% for 10%. 2.8-2.9% for normal loan

  46. saya nak tanya untuk proton preve gaji basic bpe. saya kerja swasta tp based on komisen. dalam rm2000 lebih. perlu kena ad penjamin ke kalau nak ambil preve. kalau guna skim graduan. dokumen ape yng diperlukan untuk aplly.tq

    • Salam din, you berminat nk ambil model preve yang mana? Jika tuan baru berkerja dan gaji berdasarkan komisen, kami sarankan agar din dapatkan penjamin. Gaji basic at least kena RM 1,500-2,000 ke atas.

  47. hye guys..:)

    i will be working after raya, salary rm1800, fresh graduate… is it better for me to wait untill three months then apply for the loan or i can just apply for the loan straight away>?? is there any differences between the rate? what type of car is suitable for me based on my salary? zero downpayment please..=)

    • Hi there, the only difference it would make if you can provide a guarantor or not. If you work less than a year and you want to do zero down payment without using a guarantor, you have to use this grad scheme. Based on your salary, we would recommend you to get either proton saga flx 1.3 executive, Perodua Myvi 1.3 Standard atau Perodua Viva Elite Standard. Jika berminat, boleh terus call kami di 019-3559448.

  48. salam,
    saya nak tanya.currently saya merupakan pekerja sambilan harian di badan berkanun.saya nak beli kereta ViVa 1.0.saya rasa situasi saya perlukan penjamin right?kalau ayah saya jadi penjamin..boleh ke?ayah saya pesara kerajaan dan pencen rm1.2k..

    • Salam erra, berapa gaji bersih you? Yes, you perlukan penjamin dan kami boleh cuba submit dokumen pinjaman bagi saudari jika saudari berminat.

      • Gaji bersih lepas tolak epf+socso=rm1096.macamna?rasa-rasa boleh lepas x?

      • Kami boleh cuba dan adakah saudari ingin membuat pinjaman penuh? Sediakan:

        Copy of IC
        Copy of License
        Copy of Bank Statements (3 months)
        Copy of Pay Slips (3 months)
        Copy of Job offer Letter (if any)
        Copy of degree/diploma slip

        Your dad pulak kena sediakan:
        Salinan IC, slip pencen 3 bulan dan bank statement 3 bulan.

  49. hi, im a PhD student and i have scholarship from KPT myPhd. The myPhd gave me RM2300 per month. I’m interested in Toyota Vios. is it possible for me to get this car?is it possible to get this car with 0 downpayent?If it possible, what is the montly payment for the car?Thank You.

    • Salam Muhammad, based on your employment status, you are not eligible to apply for any loan. However, if you would like to purchase this model, you need to have a guarantor. Give us a call if you need further assistance. Thanks!

  50. Hi,
    Im a fresh graduate and I have obtained a job 5 months ago.I was thinking to take a
    second hand myvi but after read the above replies, i understand that the graduate
    scheme is not applicable for second hand car buyer.

    Can u explain to me the interest rate and the monthly commitment if im taking a
    brand new myvi? Prefer minimum monthly payment since my basic salary is
    RM2000+Allowance only.

    Thanks.

    • Hi Moli, please note that the interest rate for a brand new car is much lower than the used cars. If you are planning to get 100% loan under graduate scheme, the interest rate is 2.98%. If you get a brand new Perodua Myvi, you dont have to worry about the maintenance cost as it is must be much lower as well.

      Do call us if you are intersted to purchase a brand new Perodua Myvi. Here’s your option: http://www.mybestcardealer.com/perodua-myvi/

      • hi thanks for the responce.cud u advice me wat wil be the minimum monthly payment i wil have to pay (approximately) if go for myvi with the lowest price wit 9 years repayment and wit zero down payment under this graduate scheme.kindly advice me.

      • Looking for auto? Standard Auto under grad scheme is around: RM 550-560 bergantung kepada warna solid atau metallik. Jika you berminat, boleh call kami dengan segera. Thanks!

  51. Hi..juz wanna know..I’ve been working abt 10 years with KPM, my total for salary is 4k ++…I plan to buy a new exora bold premium 1.6..so could u plizz inform me the details of interest & downpayment…:) TQVM

  52. Hai..sy kerja swasta, dah 2 1/2 tahun, basic rm3400, x de apa2 commitment, just kad kredit. Berminat naza forte 1.6sx, downpayment 10%, loan 9 tahun, bulan2 berapa bayar dan sekarang ada rebat tak.

  53. hi…saya pekerja badan berkanun,,, kalau gj bersih saya rm11170.. adakah saya layak untuk loan kereta perodua myvi 1.3 auto? 0 downpayment dan saya lepasan diploma 2009.. tq

  54. hello, if this year i’m 30 masih eligible ker utk this scheme:) else if i nak go for honda city / vios lowest spec with bersih dlm 2500 bole lepas and what interest rate.. do u also take trade in – kelisa 1.0gx 2004?

    • Hi mas, you are not eligible to apply for the graduate scheme. Kalau you buat down payment, at least kami rasa should be RM3,000 and above. The interest rate should be around 2.5-2.6% for your case. Kalau berminat, you boleh sediakan dokumen yang diperlukan.

      Copy of IC
      Copy of License
      Copy of Pay Slips (3 months)
      Copy of Bank Statements (3 months)

  55. Saya baru graduate. Belum cukup sebulan lagi kerja. gaji basic 2.8k. takde tanggungan apa-apa selain hutang PTPTN. Layak tak saya ambil kereta second hand berjumlah 80k w/o any d/p di bawah scheme ni? Kalau tak layak. berapa maksimum loan saya boleh buat kalau tak d/p.

  56. sy keje kerajaan. basic gaji sy 2100 campur elaun sume dalam 2700 tolak utang dalam 500. sy nk tanya kalo sy berminat dengan preve premium bpe monthly perlu sy baya n deposit akan sy baya dalam 20,000. boleh sy tau tak antara range harge kete between 70 k ke 80k yg mane yg bagus? n satu lagi sy penah menjadi penjamin kepda kawan tp dia gagal baya kete dia so kete sudah di lelong adakah sy masih layak membuat pinjaman?

    • Salam adam, jika you pernah menjadi penjamin kepada kawan, you pon maybe akan ada masalah utk mendapatkan kelulusan pinjaman. Lebih elok tuan dapatkan penjamin jika tidak memang agak sukar bagi bank utk berikan kelulusan.

  57. salam, kalo saya ada penjamin untuk beli honda city grade s bpe monthy saya akan baya sekiranya d/p dalam 20k. adakah saya masih boleh membuat loan. boleh berikan saya quotation sekiranya boleh

  58. salam… sy dah 4 tahun keja (swasta), baru permanent, basic 2200, bersih 2400 ade, loan asb n insurance about 300 per month.. berminat ngn myvi ez, boleh beli under scheme ni x? apa doc yg perlu? n berapa down payment sy kena bayar kalo xnk installment every month xlebih 500?

  59. Hai dealer,
    Saya nak tanya, saya akan graduate hujung bulan ini dan telah mendapat offer kerja, gaji 2.8K. adakah saya layak untuk mendapat plan ini? perlu ada penjamin? jika layak, apa dokumen yang saya perlu sediakan? Based on bakal gaji, kereta apa yg mampu sy beli dengan 5-10K d/p. ?

    • Salam Faiz, kami cadangkan tuan utk dapatkan model kereta kurang daripada 80k. Jika berminat, boleh try dapatkan Proton Preve, Naza Forte Ex, Toyota Vios, atau Perodua Myvi SE. Ada yang berminat?

      • Salam.
        Agak berminat dengan dengan Toyota Vios, boleh berikan quotation harga untuk kereta tersebut dengan d/p yang saya sebutkan. adakah saya perlu berkerja selama 3 bulan untuk dapatkan 3 month payment slip kemudian proceed dengan pembelian?

      • Kalau you sudah ada job offer letter, salinan IC, salinan lesen, dokumen slip degree/diploma dan bank statements 3 bulan. Jika Faiz beminat, kami boleh hantarkan quotation dengan segera.

  60. I see, belum ada offer letter sebab menunggu transcript penuh dari pihak university. Parents saya sedia jadi penjamin untuk pembelian kereta ini, jadi adakah saya perlu tunggu dan sediakan offer letter dan dokumen yg disebut? Boleh pihak encik hantarkan quotation.? terima kasih.

  61. Salam Dealer,

    Saya bercadang untuk menukar kereta baru tanpa sebarang bebanan. Pertama sekali, saya mahu trade in Proton Saga BLM (B-Line Auto) 2008, berapa value kereta ni sekarang? dan outstanding loan untuk kereta ini adalah RM17,800.

    Saya memilih Honda City s sebagai kereta pilihan. Berapa interest rate untuk kereta ini? atau sebrarang rebate?berapa bebanan bulanan untuk 9 tahun dgn additional 10% downpayment dan keuntungan jualan dari saga BLM. Basic salary saya 5K.

    Harap tuan dapat membantu.
    terima kasih.

  62. salam…boleh pihak encik hantarkan quotation utk saya..Lagi satu utk vios G limited edition and Vios TRD u ada buat offer mcm ni tak?if ada please send the quotation gak utk i review..TQ

  63. hi,,saya berminat nak beli vios model j..basic sy rm 2.5k per month? am i eligible undergraduate scheme? and d/pymnt i boleh bayar only around 4-5k.. i boleh lepas rate rendah lg ke?btw..plz send me ur quotation too..

  64. saya bekerja d company swasta, basic 2.5k + elaun 500..jika sy bminat untuk memiliki myvi 1.5 se..melalui skim graduan..adakah sy layak?

  65. hi dealer,
    sy berminat untuk membeli ford fiesta, boleh guna scheme nih?
    nett salary around 2600++.dah boleh tak cik tlg calculate berapa saya perlu byr setiap bulan included tax if d/p saya 15k. Thanks

  66. hi, kalau bekerja sendiri dgn pendapatan at least 3k bersih monthly..boleh ke apply scheme ni? im a degree holder.

  67. salam…pertanyaan saya encik belom jwb lagi.. hope u can reply as soon as possible.. TQ..

  68. Salam, saya nak tanya dengan basic RM1800 layak tak kalau nak apply shceme ni?

  69. salam… sy ada pertanyaan tntang pinjaman kereta. sy bercadang nk beli odyssey OTR rm152k. sy kerja kerajaan… gaji kasar rm2500, gaji bersih rm1300, ayah sy kerja felda nk support slip gaji (rm1500) dy utk kukuhkan dokumen. d/payment sy letak dlm rm40k+…. agak2 boleh lepas x loan sy nie. terima kasih :)

  70. new – rm152k… 2.5%
    used – rm120k.. 3.xx%
    9 years

  71. terima kasih respon. maksudnye sy hnya layak untuk kenderaan yg bernilan <100k ke…. loan 50k + d/p 40k….

  72. Salam,

    Baru plan nak beli kereta pertama lepas 3 tahun bekerja. Berminat utk Preve Premium. Basic 3k + 500 fixed allowance. Komitmen housing loan 900 (joint acc). Personal loan tiada, cc full payment.

    Agak2 lepas ke loan 90%? Berapa interest rate boleh dapat ye? Bank tengok annual income ke monthly income? Sbb kalau annual income memang dah hit 50k plus (lepas tambah yearly bonus).

    Terima kasih.

  73. assalamualaikum..selamat hari raya..saya cadang nak beli vios E (AT).d/p 15k..
    kalau saya buat 7 tahun,bulan2 RM900++,9 tahun RM700++.saya nak tanya,yang mana lagi untung,buat tahun pendek atau tahun panjang?

  74. nak tanya. boleh tak sy nak buat graduate scheme untuk vios 1.5 auto 2nd hand dengan basic 2300?

  75. Hello,
    Basic 3K, Nett 2.6K kebarangkalian untuk membeli honda insight without down payment. possible tak? anggaran monthly installment?

  76. salam..
    sy da grade dlm staun n skang ni br dua bulan tukar tempat kerja baru..gaji sy dlm rm2500 n monthly commitment dlm 400 sebulan..dgn gaji sy tu lepas x kalo nk amik preve ex mt utk full loan?kalo full loan xlepas, kalo letak d/p lepas x?
    in case preve xlepas, saga fl 1.3 lepas x utk full loan?
    tq..

  77. saya nk tanya. dengan basic 2300 boleh tak saya nk ambik alza?bulan2 berapa ye kalau 0 d/p? kalau d/p dalam 2k pulak berapa bulan2?

  78. hi, if i pay downpayment 17k and i make it 3 years instalment, how much the interest rate would be for myvi ezi? how about 17k downpayment and 2 years instalment? thank you.

    • Hi Sean, based on your case, the interest should be roughly around 2.7-2.8% depending on the bank and your eligibility. We can submit your documents to different banks in case you would like to survey for the lowest rate.

  79. sy baru habis degree tapi dah berusia lebih 30thn n berkhidmat dgn kerajaan…boleh sy apply skim ni?terima kasih

  80. hi, if i already have job offer letter but not yet graduate, ( coz, for the last semester, we’re required to go for job training but instead i am getting a job at the same time ), can i get a preve premium with rm2000+300 payment without the need for guarantor?
    thank you very much..

    • When you mentioned that you’ve received the job, you meant that you are now a permanent staff? Is that correct? and you have your pay slip at the moment? If yes, then you may need a guarantor. Kindly check your email for more information.

  81. if i can’t, what is the requirement of the guarantor(financial)? tqvm.

  82. Hi,

    Sy baru bkrja di sbh ipta di kl umur 23thn..br 2 bulan kerja..status keje kontrak..basic gaji rm 2190 + allowance rm 800.. tlk kwsp sume dpt rm27++ tiada komitmen lain melainkn dgn MARA (RM100 sbln)..brmnt utk mn2 range preve dan honda city s..dgn status kewangan sy, blh ke sy apply skim ini dan pilihan kereta mn yg plg seswai?

    • Hi Azwan, berdasarkan maklumat yang diberikan, admin lebih syorkan tuk azwan dapatkan model Toyota Vios J, maintenance nya lebih murah daripada honda city dan fuel efficiency nya sangat menarik. Sila hubungi kami jika you berminat. Thanks!

  83. hi, i’m interested with this scheme. i wish to purchase a saga flx. i just receive the offer letter from company with basic salary of 1600 . can i have more information if i wish to have 0 down-payment? thank

    • Hi lili, based on the info given, you may need to provide a guarantor if your net pay minus the monthly installment is less than RM 1,000. Kindly check your email for the quotation and let us know if your net pay is sufficient.

  84. hi, i’m interested with this scheme. i wish to purchase a saga flx. i just receive the offer letter from company with basic salary of 1600 . can i have more information if i wish to have 0 down-payment? thank

  85. what wrong admin. normally you reply within 1 day,

  86. Hello there, I’m doing first year major. I have not completed my degree and I’m not working as yet. As you afromentioned, I need a guarantor as per my parents. Is it alright if they are blacklisted? Would it affect my application? Thanks.

  87. Hi,
    I would like to ask about this scheme. I am 30 years old and graduated with a MSc degree on April 2012. I just started work as a lecturer (2 years contract basis) in a local university college with a monthly salary of 3500. I am interested to buy Honda Insight.
    1. Do I need a guarantor?
    2. If I am interested to take 0 down payment with 9 years plan, how much is the estimated monthly installment?

    Thanks :)

  88. Hi..klu sy part time student diploma sekarang kerja basic 2030 sy layak tak apply scheme ni?

  89. Hi, i’m interested with this scheme. I graduated and I wish to purchase an used vios . i received the offer letter from company and already start work for 1 months with basic salary of 2500 +350(allowance) Can i have more information if i wish to pay more than 10% down-payment? thanks

  90. Hi, i’m interested with this scheme. I completed my Foundation which is equal to Diploma level and I wish to purchase MYVI SE 1.5 with zero downpayment . Currently I’m working in a company with basic salary of RM1600 + RM600 (OT) more than 4 months. Can I have more info?
    Thank you.

  91. Yes..pls assist me..

  92. If I have all the relevant docs n also willing to pay RM5000 as downpayment can I purchased Myvi 1.5se??

  93. Hi MBCD,
    I graduated just over a year ago and received an offer letter to work with the Government. Interested in purchasing a brand new Suzuki Swift. Wondering if it is better for me to pay 10% down-payment or simply make use of this Graduate Scheme with no down-payment? Which is more beneficial, in terms of interest rates and monthly payments?

    Many thanks.

    • Hi Max, based on your status, if you would like to apply for the loan, you need to apply for this scheme. Unless, you have a guarantor who can support your application. It is always better to pay 10% down payment so that you’d save a lot on the interest charged. You won’t see much of the difference. Based on your current status, if you pay 10% down payment and take this grade scheme, the interest is fixed at 2.88%.

  94. Hello, can you provide me the interest rate for grad scheme (0% downpayment) of proton persona B-line auto and the monthly payment (7 or 9 months)? Thanks.

  95. Hi!
    i just graduated a year ago and im 24 right now..currently im doing my master with research assistant salary of 1.6K per month(contract)..i’m planning to buy perodua myvi..am i eligible for this scheme? and do i need a guarantor for this?

    thanks

  96. sy akan mule kerje on januari 2013,offer letter sy da ade.basic sy 3k n contract selame setahun..boleh ke kalau sy nk gune scheme ini utk beli honda city or vios?berapa bulan-bulan?bile sy boleh gunakan scheme ni memandangkan sy mule bekerja pada 1.jan.13?

    • Hi nedd, grad scheme hanya valid jika you sudah berkerja at least sehari. Jika belum, you perlukan penjamin. Kami sediakan quotation ke email you untuk maklumat lanjut tentang bayaran bulanan model Honda City dan Toyota Vios. Thanks

  97. hai..nk tny..sy bkerja dgn astro…basic 1.9k.permanent staff. blh x lulus utk preve auto or persona auto?? n klau sy ltak dp 10% blh lg x pkai skim ne?tnpa slip 3 buln gaji tu… tq….

    • Salam tuan, yes you layak. Cuma sekarang ni Proton ada problem dengan stock Persona. Jika you berminat utk mengambil Preve auto, ia lebih baik. Cuma pihak kami sarankan agar tuan membuat booking secepat mungkin untuk mengelakkan tempoh menunggu stock yang lebih lama. Sila hubungi kami jika you berminat utk membuat booking. Thanks!

  98. hye..sy nk tny..sy keje ngn swasta.baru 3mth++….basic 2k..klo nk bli kereta skim graduate tu blh ke?full loan…auto preve @neo cps which is better?thanks!

    • Hi Shida, pihak kami sudah emailkan quotation. Pengeluaran Proton satria neo telah diberhentikan buat sementara waktu sejak awal tahun lagi. Lebih baik saudari mengambil model Preve. Kami sudah emailkan quotation utk rujukan.

  99. Hai, saya dah keje 8 bulan, salary 2700++, tolak epf 2400++. Tapi status kontrak. Lepas tak kalau nak amek ford fiesta sedan? Or any other recommendation?

  100. hi just wonder,

    am i still entitled for graduate scheme if i graduated july last year , already twice change job , and my current job – is 3 months , contract, salary 3.8K ….

  101. hye nak tanye, saya skrg belum bekerja..dh habis belajar amek degree..tapi skrg saya sambung belajar amek certificate utk 7 bln.. bln 12 ni baru habis..boleh ker apply skim ni?

  102. Salam. Saya graduate degree last year. Sudah bekerja. Basic salary RM2777. Gaji bersih selepas elaun tetap ialah RM4100. Saya berminat utk beli Perodua Alza Premium (A), Honda City E atau Honda Civic 2.0Navi.

    Downpayment 10%.

    Boleh bagi pendapat tentang kesesuaian kereta? Berapa monthly installment?

    Terima kasih.

  103. helo..sy br grad diploma..br kerja 3bulan..gaji rm1.7k..ingt nk bli kereta..boleh pkai skim ni kah?

  104. hii..im degree student and i know that i not eligible to apply this scheme..but if i had my parent as guarantor did i can apply this scheme?my parent is a businessman. if can what documents that i need to provide? ohh and im interested on myvi auto 1.3 @ 1.5..

    • Hi Farsha, are their business registered? May us know their net salary per month on average? You can provide us a copy of your IC, license, matrix card. Your parent should provide a copy of IC, copy of SSM certificate (if business is registered) and bank statements (6 months latest).

  105. Salam…. saya baru umur 23 dan bru nak konvo bulan ni, tapi dah bekerja selama sebulan …Gaji basic saya dalam 2.2k dan fixed elaun dalam RM300-800.. …….boleh x emailkan monthly payment detail and interest rate untuk kereta import (below 100K) dan local kat saya…Sebab ni kereta first saya nak beli n susah sikit nak buat keputusan untuk beli..

  106. Boleh emailkan quatation untuk kereta ini kalau pakai skim graduasi dan 0 downpawment…dokumen apa yang perlu….tq
    nissan almera
    Preve premium
    myvi ex
    Persona H-line
    Inspira 2.0 premium dengan 1.8 M
    mazda 2

    Tq pasal ada member2x nak usyar jugak….

  107. sy tiada kelayakan diploma , kerja swasta dan gaji basic cuma rm1300 tp ade fix allowance…agak2 lepas tak…kalo lepas pon kereta ape?

  108. Hi, sy brumur 27thn. bekerja di sektor swasta. Gaji basic 2200. elaun dlm (250-1000). komitmen 200(mara+ptptn). klu nk angkat honda city pki skim graduate boleh x? selain city, vios pon boleh. Mohon pencerahan quotation..

  109. salam,

    bole tau bape latest interest rate for a new suzuki swift?

    Thanx..

  110. salam,
    car loan rate nih still valid lg ke? saya sudah bekerja hampir 6thn tp umo still bwh 30, klo nk amik civic 1.8s leh ke pakai graduate scheme nih? can u send me quotation for 7yrs & 9 yrs loan period?

  111. sy student final year.kalau sy nak gune skim graduasi nie mcm mane yea?

  112. persona H-line and Myvi SE 1.5 ada lagi x

  113. salam, saya nak tanya kereta apa saya layak apply using gradute scheme..basic salary 2500k..

  114. Can i apply this if i want to buy second hand car?

  115. I am a fresh graduate, has been graduated for more than 1 years and haven’t start work yet. But I already have an offer letter from the company. Currently I don’t have any pay slips or bank statements. Only with IC, license and degree, am I eligible to apply for this loan? I am interested in Myvi 1.3 Ezi Premium. Can you send me the quotations? Thank you ^^

    • When is your first day? You need to work there for at least a day. Please check your email and you can prepare your documents in advance. Once you started working, we can process the loan for you.

      • Ok. My first day would be 1 and half months later because I give the company 6-8 weeks notice period. How about if I pay 10% down-payment or more? What is the interest rate? Can you send me the quotations as well? Or you have other better options to offer?

      • The quotation we have sent you earlier is based on 2013 price and usually, there will be no cash rebate promotion available in the early year.

  116. hai. Saya nak tanya kalau saya dah grad degree & kerja on contract basis for 3 months, saya layak tak nak apply skim ni. Income around rm1800 per month. thanks

  117. Hi. I nak tanya. I know that i need a guarantor if i am still studying right? What are the requirements for the guarantor? Because my mom is working on her own and she doesn’t have any pay slips whatsoever and i still have a semester left. So still boleh ke i nak apply for this? Thank you :)

  118. salam.sy nak tanye pasal kereta nissan almera.
    sy pernah pergi showroom nissan tanye boleh ker guna skim graduan tuk beli kereta nie.dealer tu cakap tidak boleh sebab kereta nie bawah edaran tan chong motor dan mereka tidak menyediakan skim graduan.
    betul ker mcm tu? saudara boleh bgtau mcm mana sy nk beli kereta nie pakai skim graduan?
    terima kasih

  119. salam,

    sy dah bekerja dekat 9 bulan.Basic sekarang 2750. sy berminat nk beli Chevrolet Sonic dlm 77k. lepas tak? komitmen ada credit card (bayaran setiap bulan x pnah tertunggak) ngn personal loan (rm3k- bayaran ok takat ni).

    situasi lain : misalan kate saya tuka kerja basic RM 3k ke atas. bape lame sy kene tunggu baru sy boleh apply?

    lepas tu ada syarat company tak? company skng sdn bhd. kalau ada syarat, sy tunggu msk company satu lagi.

  120. Salam,

    Bolehkah saya membeli kereta suzuki swift dengan pendapan bulanan hanya 2k? Berapa bulanan yang perlu saya bayar sekiranya menggunakan skim graduan? dan berapa tahun? jika saya tidak menggunakan skim ini berapa d/payment yang perlu saya bayar? minta emailkn pada sy..terima kasih :)

    • Wasalam Fadhli, kami tidak sarankan agar you beli model Swift kerana harga nya yang tinggi, maintenance yang tinggi dan juga resell value nya yang rendah. Ia tidak berbaloi utk beli melalui skim graduasi dan you akan sukar menjual kereta ini kelak. Sila check email you utk maklumat lanjut.

  121. asalam,nak try search harga myvi 1.3 cc premium.how much my monthly instalment? and if i pay for d.pymnt, 10% tu mmg wajib ke?x boleh ke 5% from oustanding?i nk tau quotation for 8&9 year installment.tq

  122. Hi, just got my offer letter and i am interested to apply for a 0 downpayment loan to buy a car, salary will be 3.5k a month. Could you please give me a list of cars that are eligible for me to apply for a loan with the monthly commitment. Thanks

  123. Salam..0% dwn pyment available utk grad scheme je ke?kalo normal loan blh buat jgk x?brminat nk beli preve cfe..

  124. hai dealer. saya asal dari sabah. sy nk tnya, sy fresh graduate last year 2012. start kerja bulan ogos 2012. skrg sudah kerja dalam 4 bulan. ada slip gaji. basikc rm1750. potong epf n socso tingal rm1547++ sahaja. tapi sy berminat sangat nk ambil myvi SE 1.5. HUHU. adakah sy layak?? klu x pun, klu sy ambil myvi premium 1.3 .. layak ka? harap sgt awk boleh assist sy. ni 1st tym nk beli kereta.

    • Boleh cuba apply utk myvi SE, tetapi peluang utk dapat kelulusan lebih rendah.

      • Klu peluang rendah…kreta apa yg boleh sy loan?

      • Perodua Myvi 1.3 Standard/Premium boleh cuba. Kalau you nak try dapatkan myvi SE, itu pon tiada masalah. Kami boleh cuba tgk maximum loan you boleh apply.

      • Hai sekali lg dealer.. sy nk tnya pendapat, 1 hari lepas sy try submit doc pada dealer tmpt sy (sabah) dgn keadaan gaji bersih rm1547++. dealer 2 ckp sy kena suruh bayar utk 1 month installment myvi se 1.5 yg sy nak 2 plus dgn insurans plus rm50 utk register kereta. so total dlm rm800++.Mmg wajib bayar benda ni semua?sebab kata 100% loan and zero downpayment… lagi 1, dia blm submit ke bank lgi doc sy. sy nk tnya, adakah sy perlu guarantor utk dptkan myvi se ni? tq admin.

      • Yes, bagi skim graduasi, ada additional insurance yang you perlu bayar dan juga bayaran one month advance payment. Tetapi, pembayaran perlu dibuat di Bank, bukan kepada dealer.

  125. knpe admin xreply eh??

  126. Hai.. sy nk tanya.. sekarang tengah survey2 samada nk ambil myvi se1.5 or 1.3 premium. I grad degree, n kerja dah setahun. basic dlm 2600. nk tny, if i nk apply pki skim grad tu, plus 5% dp for se1.5 myvi, berapa paling rendah sy akan byr tiap bulan. i bajet dlm 5++ tiap bulan pon ok dah. if sampai 600, i amik 1.3 ja. boleh tlg syorkan x? lg satu, skim grad, tak payah penjamin kn?

  127. Salam,

    Nak tanya psl scheme ni. kalo saya nk angkat viva elite 1.0, full loan, brape kene bayar bulan2?
    saya graduate 2010. first job, da 2 tahun lebih kerja. gaji saya rm4650 + allowance rm1000 (seconded allowance,company bley tarik balik but stated in payslip. setakat ni maintain je ada, dah setahun lbih)
    interest rate brape kena?
    bley tolong kira brape max loan bley lpas x?

    thanks

  128. Waslaam tuan, sila check email you utk maklumat lanjut.

  129. saya bekerja sebagai pekerja sambilan harian di jabatan perangkaan. bolehkah saya memohon. tolong send sekali quotation and list kereta sekali. tq

  130. I would like to know the interest rate for used car. I’m planning to buy a 2nd generation honda crv and the price range surveyed is around 50-60k. What is the interest rate and how long is the loan tenure. Thanks.

  131. Hi, I’m keen for the proton preve. I just want to know ify basic salary will be around 3500-4000, will I be eligible for a loan for that car? N also will the figure of the interest be consistent for all the years? N also if I would like to trade in my old proton will that be considered? Appreciate your reply.thks.

  132. Salam bos..Nak tanya kalau honda odyssey harga dlm rm150k,layak ke saya untk buat loan(full loan atau dwnpyment)..Saya kerja gverment gaji bersih dlm rm2500-rm2600..(tlg reply ke email ssya..tq)

  133. Hi mybestcardealer,

    Saya rina. Saya ingin kepastian berkenaan pinjaman bank untuk kereta. Sy berminat untuk beli MyVi SE 1.3 yang S series. Kerja swasta selama 7 tahun dalam company yg sama. Gaji bersih sy tak sampai RM1,200.00. Dan ibu sy menjadi guarantor kepada saya. Dan saya ingin trade in Saga Iswara saya pada tahun 1997 dimana salesman dah anggarkan dalam 3K sahaja. Jadi, harga Myvi (RM44,924) – Trade in Saga (RM3,000) + duit sendiri dalam RM1,500 : RM40,424 adalah pinjaman yg perlu diluluskan oleh pihak bank. Jadi, persoalan saya adalah adakah ibu (kerja kerajaan, lagi 4 tahun pencen) saya akan lulus untuk menjadi guarantor saya sedangkan dia dah ada loan dengan pihak bank dan dalam masa yang sama menjadi guarantor untuk kereta Viva850 adik saya. Bayaran masing2 untuk pinjaman alhamdulillah cantik.. So, ianya meragukan saya sama ada loan saya akan diluluskan atau tidak. Terima kasih.

    • Salam rina, kami boleh cuba bantu saudari dan kami perlu tahu gaji bersih your mom. You sediakan ke semua dokumen seperti yang kami paparkan dalam email kami dan kami akan cuba bantu saudari. Sila hubungi kami di 019-3559448 jika berminat.

  134. Hi mybestcardealer,

    Nak tanya psl scheme ni. kalo saya nk angkat preve executive CVT under graduate scheme d/p RM3000,
    da 6 bulan lebih kerja. gaji saya 2250 (sudah tolak epf). company swasta.
    boleh lpas loan x?
    interest rate brape kena?
    brape kene bayar bulan2?

    thanks

  135. Aslmkm..sy bergaji bersih 2300.sy dah mgajar 4thn. Sy ada sbuah myvi. Lukus tak gaji sya utk trade in myvi dan ambk odessey scnd yg harga dlm 120k kbwh

  136. Hi,,want request for myvi Se 1.5 auto. im fresh graduate..My bsc salary 1600 n allowce 200 ++,,,i working At Rhb..contract 1 year,, eligible for Me to apply this graduete skim ? or i hv find a guarantor? if i cannot find a guarantor what Car i should choice??

  137. Hi Admin,

    Any new promotion for the newly launched Jazz petrol?

  138. Hi. Saya student degree. Nak beli mini cooper 1.6 registered year 2008. Guarentor emak saya. Gaji rm10000. Boleh saya apply ? Saya ada terbaca secondhand car is not allowed. So any suggestion on student loan for second hand car ? 😊

  139. Salam..sir,i wanted to buy a car using this Grad scheme but in the same time I want to trade in my current car that I’m using…do you have any idea..thanks

  140. Asalamualikum, gaji bersih saya after tolak socso and epf rm1800. saya berminat untuk beli vios j manual, boleh tak saya gabungkan nama husband saya dan nama saya untuk buat pinjaman? gaji bersih saya dan husband rm3600.d/p 20k, boleh lepas ke loan saya?terima kasih.

  141. Hi. Saya seorang kakitangan awam dan gaji bersih saya RM3.8K lepas tolak personal loan RM400. Saya berminat nak memiliki Honda Civic 1.8S baru. D/P boleh bayar 10% drp harga kereta. Bolehkah saya dpt loan? Tq.

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