FINANCIAL CALCULATORS:
MONTHLY INSTALLMENT CALCULATOR : VIDEO Tutorial
DOCUMENT FOR LOAN APPLICATION:
1st Case: Apply with 10% Down payment
- Copy of MyKad (I.C)
- Copy of Driving License
- Latest 3 Months of Payslips
- Latest 3 Months of Bank Statements
2nd Case: Apply with 0% Down payment
- Copy of MyKad (I.C)
- Copy of Driving License
- Latest 3 Months of Payslips
- Latest 3 Months of Bank Statements
- Certificate of Diploma/Degree (Graduate Scheme Only)
- Working Offer Letter (Graduate Scheme Only)
3rd Case: Enterprise Applicant
- Copy of MyKad (I.C)
- Copy of Driving License
- Latest 3 Months of Bank Statements
- SSM Form
hi..i’m an isurance agent and want to buy my first car..i’ve no payslip..my commision is 2k..what other doc should i provide to make the loan?
car: saga fl(exec)-manual
d/p-0
Salam Wan,
How long have you been working? If you have no payslip, do you have any documents that prove you as an insurance agent who’s working for the company? You also need to provide your latest bank statement, where your monthly salary is deposited. Bank would need to see the cashflow of the bank statement.
i would like to know the current interest rate for making a car loan. As for proton inspira. tq.
Hai,
I graduated in January 2010. Does the Graduate Scheme can be applied to me?
If rm3000 downpayment for Honda City / Toyota Vios / Suzuki SX4 for 9 years loan. How much will my monthly payment be?
Salary RM4000.
TQVM.
Hi balqis,
Good question. Yes you are eligible to apply for the graduated scheme. In order to calculate the monthly installment, It would be best if you could use our online financial calculator at http://www.mybestcardealer.com
Or email us with a specific model of honda city/vios. Details can be obtained from our official website.
Am I qualified for graduate scheme? I am graduate at 2007, 29 years old now. for second hand used car(2 years). Loan amount 30K
What is the interest rate for graduate scheme and which bank?
Hi Han, the answer is no. Btw, graduate scheme is only offered for new cars.
I graduated in 2009 and im working for 1 n half years. Im interested in buy a new mazda 2 sedan or kia forte. my nett salary is rm2770. how much is the interest and how much do i need to pay per month?
Good day……Currently i’m working at Singapore.Just want to verify with u for your info i’ve no payslip provided by my company only that I have work permit,confirmation letter and bank statements.Every months I’m earning Sing dollar 3K ++ and it’s enough to apply bank loan with this particular??Pls advice.tq
The documents that you mentioned above, work permit, confirmation letter, and bank statements should be presented to your salesman.
Hi, i’m graduated since 2009/2010, as STPM leaver, am i enjoy for Graduate scheme? I’m looking forward to buy new local car.
It doesn’t count though. Graduate scheme gives you a benefit of not paying down payment and it will allow you to apply the loan without a guarantor. If these two benefits are the one that you’re looking for, then you should go for this scheme but you’re not eligible for it. What’s your current job? Grad Scheme would also charge you higher interest rate but if you have money to pay down payment, we suggest you not to go for it.
Hi,
Thanks for the info. Currently i am contract telemarketer, work more than 1 year, basic salary RM1500, commission RM1000+ monthly consistently. I do not apply any other loans.
However, confirmed to convert to permanent telemarketer in October 2011 with higher basic salary, estimated RM1800-RM2000++.
I expected to buy car by end of this year or next year as i need to take driving license 1st.
Prefer on Proton Saga FLX or Proton Persona.
Prefer to take 100% loan, but will prepare 10% downpayment just in case. Any suggestion or advice?
Thank you and regards.
In your case, we would definitely encourage you to pay at least 10% down payment to have a higher chance of loan approval by the bank as your basic salary is not strong enough although you’ve pretty good amount of commission.
In the event that you’re interested to purchase by the end of this year, we would encourage you to plan it accordingly. We are not sure about the stock/inventory of this model in the future and we recommend you to plan at least a month early before your expected date of receiving the car.
Our advice for you is to go for Proton Saga which has less maintenance cost and this model has received positive feedbacks from the customers. However, if you are willing to spend more monthly, then you can go for Proton Persona which has larger space but, higher fuel consumption. Up to you man, its hard to compare these two models that are totally different.
Salam bro,
My name is fadzli frm klang.I plan wanna buy toyota vios-standard one.So,if i put downpaymnet ard 7k and loan for 9 yrs.so,how much would be the monthly payment.
Wasalam, there’s 2 different model for standard version. Do you want to get manual or auto? The price is completely different. If you want to calculate your monthly installment, you can just go to our official website and use our online calculator at {http://www.mybestcardealer.com/find-a-car/payment/}. Call us now at 019-3559448 for booking.
Salam,
Im Nadiah from Selangor, graduated on 2008, now working at private sector with my basic salary of RM1700. Am I eligible to apply for graduate scheme?
Hi Nadiah, you’re not eligible to apply for the graduate scheme. It only applies to those who have graduated within a year ago.
i’ve started to work with government as a junior doctor last week. the basic salary is 2400++ with an allowance of 1500++.i have not on any loan currently.planning to buy the new version of vios..TRD sportivo. am i eligible for the graduate scheme? is it possible for me get full loan of 10 years repayment? how much will the monthly instalment b? what document do i need to produce?
==
i’ve just graduated june this year
If you are working under government agency, then you are eligible to apply for the 10 years loan. However, we encourage you not to apply for 10 years loan as it would bring a problem to you later in the future. 9 years is OK and you can apply for the graduate scheme and it won’t be a problem. The interest rate for a graduate scheme is around 3.5-3.8% depending on the bank’s approval but if you want to go for a normal financing, but requiring a guarantor, then the interest rate would be much cheaper which is at 2.7%.
Documents needed to apply for the loan can be found at the “financing” tab.
the only reason why i choose the graduate scheme is because of rm0 down payment..does a normal financing offer rm0 downpayment?
Correct. “0″ down payment only applies to gov worker and graduated students.
Hi
I’m a Singaporean who is employed in Singapore but travel lots to KL As we have an office there, can i get a car loan?
if yes, what are the documents needed?
It depends and there’s certain requirements that you need to pass. D/payment of the car must be at least 20-30% depending on your eligibility. Documents needed are your pay slip, singaporean ID, bank statements, proof of your office in KL, and any other documents that can support your financial status.
Hi,
I am a owner of Proton Perdana V6 year 2005. I wish to buy a new Honda City by trading in my perdana under graduate scheme. I am a postgraduate degree holder. Please advise me if I can go for the graduate scheme. Thank you.
Did you apply a loan for the Proton Perdana? If you did, then you’re not qualified for the second loan under graduate scheme.
what is the best interest rate now for new honda city or civic (6 yrs loan)
Approx. around 2.6-2.7% depending on your documents. Call us at 019-3559448 if you keen to use our services.
Hi, i am planning to get a Myvi end of this year, i have all the documents but i don’t have any bank statement and my pay is around rm4k.
Hi shirley, you don’t have any bank statement is it? Where does your pay is deposited into every month? So you get your pay by cash is it? Based on your pay, of course you’re eligible.
I wanted to apply loan, am i eligible? and what is the interest rate now?
hye.. nk tanye, mane lebih baik yer nk bli kereta skang tp dh hujung tahun rugi plak kalo nk jual blik next time. tp ramai ckp thun ni pling bgus beli coz interest rate rendah n maybe next year dh dekat election the interest nanti up tinggi..
plz bg ur opinion
tq
Kalau nak beli pada bulan disember, barulah kena pikir benda diatas. Selalu nya, ada promosi akhir tahun dan bukan semua model ada promosi dan lebih elok untuk anda membeli pada waktu sekarang kerana interest amatlah rendah iaitu pada 2.9% berbanding 3.5-3.9% (kebiasaannya) bagi local cars (Perodua dan Proton).
hai.
i just graduated and hv been workg about 6 months, a gov worker, basic salary 2k plus allowance about 3k. if i go for vios G auto or persona H line, what would be my monthly payment. what are the difference if pay 10% dp and full loan. and lastly, what’s ur opinion about interest rate for next year according to the Bajet 2012, bcoz i plan to buy a car next year.
Interest rate could be higher next year because of the increment of the salary and the bank might be able to charge us higher. That’s the possibilities but fyi, the rate offered at this moment is very low and it is the lowest since the past 5 years. Since you just started working, if you’re able to pay 10% down payment, it is better to do so because the interest rate you’ll be charged is lower (2.7% for toyota) and (2.9% for Proton). If you pay 0% down payment, you need to apply graduate scheme and the interest rate is 3.2%. You can calculate your monthly installment here :
{http://www.mybestcardealer.com/find-a-car/payment/}
hye nk tanya..i housewife,my hubby cadang nk beli 2nd car tuk kegunaan i n my kids..cadangnya nk beli viva je..masalahnya hubby blacklist pasal Personal loan 5K, kereta wira kitaorg dah abis bayar..so macamana yer agak2 boleh tak buat loan..lupa lak basic gaji hby RM 3200.
blacklist dah settle ke belum? Kalau belum, memang tak boleh buat pinjaman.
hi, i just graduated 2 month back and just start working. my salary is about rm4k (gov sector). im planning to buy perodua alza and perodua viva, can i still apply for loan? (since they need 3 month slips). btw, my friend used my IC for his ppstpaid bills and run away w/o settling the debts (celcom postpaid), can i still apply for loan?
thanks!
Hi, yes you can apply for the loan and do you want to buy the two cars at one time? For the postpaid issue, can you settle it on your friend’s behalf?
Hi, i would like to know what is the car’s price range that i am eligible to buy if my monthly salary is RM2200.
1) With 0% downpayment
2) With 10% downpayment
Thanks!
Based on your salary, the maximum loan you can get is around RM 65,000 and below or RM 700 monthly. The best car we would recommend you is the perodua Myvi or Proton Persona. Kindly call us if you have other options ranging from RM 65k and below.
hello..im just graduate on october 2011..i already have car loan b4..perodua viva on year 2008 and still have remaining 4 years..im still qualified or not to apply Graduate Scheme loan? tq
The car loan is under your name or the car is under your name? If this is not the first time you buy the car using your name, then you’re not eligible for the graduate scheme.
Hi, my basic salary is Rm 2000 plus fixed allowance RM 200 per month.. i would like to buy Suzuki Swift 1.5A/T GLX with 10k downpayment.. am I eligible to take 90% bank loan?
It would be easier for you to get your loan approved by having someone to be your guarantor bc your basic salary doesn’t meet the minimum requirement. Kindly call us at 019-3559448 to speak with our suzuki dealer.
Hi there, am interested to buy either a nissan, toyota, honda or perhaps persona. Can you give me some advice on their performance and advantage over one another specifically for auto transmission? And can you suggest models for me as well?
I have small kids to travel with me every time and a lot of kids stuff will come along. I also do a lot of travelling in town and throughout Malaysia. Can you advice based on in this?
I have no other commitment. My basic is around RM3k.
Can you also advice on the d/p and a 5 years repayment.
Thanks
I would suggest you to either purchase Naza Forte, Toyota Vios or Persona. In term of comfortability and performance, Naza Forte is the best choice for you. Many of our customers have chosen this model instead of Toyota Vios or Honda City. The interior is outstanding compared to Toyota Vios. Persona has its own quality and the maintenance cost is of course a lot cheaper as it is a local car. Honda city has no stock until the first quarter of next year. Example:
Naza Forte 1.6 Sx
OTR Price: RM 85,800
Downpayment: RM 8,000
Interest: 2.7%
Period: 5 years
Monthly: RM 1472
If you have any other models that you’re interested in, just give us a call at 019-3559448 (Ihsan) and we can meet up to discuss further on this.
Hi there, thanks for your prompt reply.
I read rather unpleasant comments about Naza’s car (am not sure if one model represents the performance of the other models as well), nevertheless I did not include Naza in my list. As for toyota, i am not into vios.
Thanks for the advice and will definitely check out here for more.
Hi just wonder I am blacklisted by the banks due to some credit card debts from my ex.
which has not been settled. I have a stable income now thinking of buying a new car but not sure if I could get a loan from the bank. what is your advice ?
Chloe, based on the current rules and regulations, bank would hardly approve your loan as you need to settle you debt first before submitting any loan application. Your loan application could be rejected right away.
Hi. Im interested in getting the new saga flx 1.6 under the grad scheme. Fyi, i hv a degree and jz started working for 5 months. However, i found out from the bank’s website (bank islam), the grad scheme is 100% financing (wifout d/p) and for period of 10 years. Not jz 9 years. Can you please brief me? Is it (the financing period) differ based on national or non-national cars?
p/s: if can i would like to take the grad scheme for 10 years.
It would be better for you to take 9 years of loan as you will be saving a lot on the interest. In addition to that, in case you want to sell the car later, your outstanding balance will be much higher than the market value and you’ll have a hard time selling that car. You’re also taking a full loan and the recommended period should not be more than 9 years
hi,
saya berhajat nak trade in my viva ezi year 2008..balance loan 6 year…
berhajat nak angkat vios j auto…
current salary basic RM 2600 + fix allowance RM 440 + commision RM 200++….keje private 3 thn
others commitment personal loan RM 220..
AGAK2 LAYAK TAK UTK BUAT 90% LOAN?
Hi Abu,
Bagi kes saudara mungkin tiada masalah dan anda boleh menghubungi pihak kami di 019-3559448 untuk keterangan lanjut. Terima kasih kerana menggunakan perkhidmatan kami.
Hi… saya mempunyai kereta honda civic 1.8 cc tahun 2008 yang dibeli dengan interest rate yang agak tinggi pada masa itu iaitu 3.8% dengan mengambil loan sebayak 100k, saya membayar RM 1300 sebulan selama 40 bulan sehingga sekarang. Sekarang saya mahu mengambil satu lagi large MPV 7 seater . Apakah cara terbaik untuk saya mengurangkan ansuran bulanan bagi kedua2 kereta saya iaitu satu large MPV plus dengan satu small car ( selain daripada viva, kancil ..iaitu saya mahu elakkan membayar jumlah ansuran bulanan melebihi RM 2500 sebulan…Saya kerja kerajaan dan kumulatif gaji saya dan isteri ialah 22000.
Adakah tuan ingin menjual kereta honda civic itu dan ingin mendapatkan 2 kereta baru? Adakah itu yang dimaksudkan? Kami mencadangkan agar tuan mengambil Honda Stream dan sebuah kereta Myvi 1.5 SE. Pihak kami rasakan ianya amat berbaloi bagi kes tuan.
Honda Stream:
OTR: RM 158,980
D/payment: 10%
Interest: 2.55%
Period: 9 years
Monthly: RM 1,629
Perodua Myvi SE:
OTR: RM 56,500
D/payment: 10%
Interest: 2.9%
Period: 9 years
Monthly: RM 594
Jika tuan berminat dan mempunyai sebarang soalan, sila hubungi di 019-3559448 supaya kita boleh berbincang dengan lebih lanjut tentang perkara ini.
Hi, my basic salary is rm1500, no any personal loan now. I would like to purchase brand new vios, can pay 10% downpayment, am I eligible for any bank loan?
Hi Jack, minimum basic salary to purchase Toyota Vios is around RM 2,200 – RM 2,300. However, your basic salary is far less than the amount required by the bank and we would suggest you to get any car with a price no greater than RM 50,000.
Hi, My basic RM 2,800.00 and I have personal loan RM 163 monthly up to 2016 (RM 7,000 loan for 5 yr with CIMB Islamic-good payment record). I interested to Honda City E and able to pay RM 10,000 for downpayment.
Am I eligible to get 9 yrs Loan without gurentor sir? I’am working about 1 yr 11 month in private Sdn Bhd and I’am 25 yr old in 2011……
You may not need the guarantor since you’ve been working more than a year. However, there is no stock available for Honda city and you may have to wait at least 3 months after your booking is made. Are you willing to wait? You do have other options such as Naza Forte, Ford Fiesta or Toyota Vios.
Hi Sir, if I order for Honda city E, do I need to start make monthly payment about RM945 (assume 2.75% int.for 9 yrs) during 3 month waiting period?
hi..
i’m gov worker..my basic is rm1800 and plus allowance is around 2400. currently me n and my hubby are interested with toyota vios and able to pay d/p around rm12k. are we eligible for the car loan w/out guarantor n for 9 yrs loan..any best advise from u?
Whats your husband’s basic salary? Can do joint income loan but the bank is getting stringent in the process of giving the approval if your salary does not meet the requirement. Need to double check on this.
hi, is grad scheme applied to used car?
if i just start working for 1 month with basic salary RM2500 plus allowance is up to RM3900 and i want to buy naza citra, can i still get a loan? because they require 3 month slip payment. thanks! really need to know if i can buy immediately or need to wait for 3 mths, coz im kinda need a car right now
Hi nil, we wont recommend you to buy a used car as the interest rate is so much higher. Near 4% and its better to buy a new car as it would reduce your maintenance cost and gas consumption. To answer your question, yes you can apply for graduate for a used car but, the interest rate is unreasonable.
hi, thanks for answering. if i want to buy a new naza citra then can i still get loan with 1 payment slip only?
Yes sure. Kindly call us for more information. You have to provide an offer letter, copy of IC, license, payslip and bank statements (3 months).
Worked in small company for about 1 year 5 months with payment 2400 basic. Will topup 30 000 n willing to wait for honda city type E. What will be my interest rate n am i eligible to get any loan. I dont have any loan.
What company is that? We can try to apply a loan for you but the bank might require you to provide a guarantor. It will be good if you can provide the guarantor’s documents just in case the bank needs it. We’d recommend you to make an early booking for this model to avoid longer waiting period.
hye.
saya bercadang utk ambil full loan untuk new car for VIOS J auto.graduated 2004.
basic salary 2700.nak tahu latest interest for 2012. adakah saya layak untuk dapat full loan?any other upfront payment for full loan?and berapa lama untuk booking kereta tersebut?
Hye Faz, graduate scheme adalah untuk pihak yang graduate tidak sampai setahun. Jika anda ingin mendapatkan full loan, interest mungkin berada dalam 2.7% dan mungkin anda perlu menyediakan penjamin. Pihak kami perlu mengetahui tentang commitment anda dan jenis pekerjaan anda. Tempoh untuk mendapatkan stock selepas booking adalah dalam linkungan sebulan. Jika saudari berminat, bolehlah saudari menghubungi pihak kami di 019-3559448 untuk mendapatkan maklumat lanjut.
terima kasih.
saya telah cuba call number tersebut.tapi tiada jawapan.
saya tidak mempunyai komitmen lain selain card credit dan saya adalah good paymaster. jenis pekerjaan saya adalah di sektor swasta sebagai account exec.
untuk kes seperti saya ini saya perlu menyediakan penjamin ya?
Boleh cuba hubungi pihak kami sekali lagi dan selalu nya line busy kerana on-call bersama client.
saya dah ada degree,tapi saya sambung belajar,and dapat scholarship rm1500/month. boleh ke if saya nak buat loan dengan bank untuk beli kereta? sebab tiada payslip. and boleh ke apply under graduate scheme?
Reez, ada penjamin tak? Nak beli kereta ape tu?
penjamin scholarship or penjamin untuk kereta? nak beli viva je
Hi I,m from the philippines and working here for 6 years already. I wanted to get a car with zero down payment. Is this possible? What shall i need to do? My salary is 7k per month.
Hi Joss, no you can’t buy a car with 0 down payment. Bank has set a rule that a non-citizen must pay at least 20% down payment with a maximum of 5 years loan.
hi. my basic is rm1300. any recommend car which suit with the budget and if can more spacios
Proton saga auto standard should be spacious, otherwise viva can be your other option. Can you find a guarantor?
ya. i got a guarantor ready. thanks for the info
If that’s the case, you can call us directly to discuss more on this.
Is it possible for expatriate (professional foreigner) get loan in malaysia without guarantor? I plan to have my second car here without guarantor. My first car, I bought in 2010 with local guarantor. My salary arround 15K/month. any bank can approved without guarantor? advice me. tq
Hi syah, it is possible and please note that you need to pay at least 20% down payment and your maximum loan period should be 5 years only. Otherwise, you need to have a local guarantor. I’d appreciate if you can call us to discuss about this.
hi,
my current basic salary RM 1500 + Fixed Allowance RM 700….keje private 2 thn
others commitment asb loan RM 250..
D/payment boleh bg 7k – 8k
Agak2 layak tak tuk Vios j atau e auto 90% loan??
Hi jo, anda perlu dapatkan penjamin bagi kes anda. Basic salary anda tidak memenuhi syarat minimum dan lebih elok bagi anda menghubungi pihak kami untuk mendapatkan keterangan lanjut. Pihak kami juga menawarkan promosi menarik pada bulan ini.
Salam, my basic now is 2550. Working as lecturer at private college. Without any commitment will i eligible to get loan for vios E or maybe honda city. Im willing to topup for 20 thousand. Ive been working for about almost two years.
Wasalam, Vios should be fine. If you plan to get Honda City, maybe you need to wait around 2-3 months. There’s a discount promo and free gifts for Toyota Vios if you are interested. Give us a call for more information.
Hi,
I’ll be finishing my final semester this May and will be graduating this September with a degree. I have steady monthly income of Rm 1700 from tutoring and other biz. I’m planning to get Saga FLX . How do i qualify for the 100% loan graduate scheme ? Need to a use a car urgently.
Hi, you need your parent to be your guarantor as you don’t have a fixed income. Kindly call us if you have the documents ready. The documents include your parent pay slip, bank statement, copy of ic, your ic and your copy of license.
Thanks for your reply. My dad is retired and my mom is not working. I can afford to purchase the car as i have a stable income for quite some time and I intend to tutor full time from now onwards. What can I do to get the Saga FLX ?
Boonean, Hi Boonen, if you could provide any documents that stated your pay from the tutoring center, that would be much helpful. Bank statement is helpful to verify your cash flow, and kindly provide that as well. Your dad can be your guarantor but he’s not categorized under a strong guarantor.
Hi, I’m a Malaysian currently working in Singapore for 1 year with basic salary $3,500 per month.
What is the car recommended?
Do I need to provide guarantor?
3,500 singaporean dollar? RM120k loan is max to apply without guarantor. You can either get Naza Forte, Toyota Vios, Honda City, Honda Civic, Proton Inspira?
I’m doing my degree now. ! But I have completed my stpm which is equivalent to diploma , so can I apply under graduate scheme
Hi Vinuta, you need to have a job in order for you to be eligible to apply for a car loan. Unless, your parent want to be your guarantor. Let us know if you are interested.
I’m working and my salary is more than rm1500 , so can I apply and I also want to know if I apply for car loan will it affect the study loan that I’m goin to take a year later ?
Study loan as in personal loan? Then the answer is yes. If its ptptn, its very unlikely. If you are interested, just let us know. You also need to provide a guarantor in your case. Thanks
hi,
how to apply full loan for used car?
i found the advertisement for used car (hyundai i10 RM33K / RM33.9K). So can i apply for full loan to buy the used car and how?
Am i eligible? My salary is RM1.4K. I already start working (contract) for 8 month already.
sorry, i just read your reply on others comment above,
so from my reading and understanding, it is possible to apply for full loan for used car right? it is my 1st car. can i deal with you for the loan? I will contact you by phone if you say can.
Sure, make sure you have the copy of the car grant, ic, license, pay slip and bank statements.
hi Matnor, you need to get a guarantor to be eligible. Interest rate for used car is a bit higher.
Hi I am J from Perak, can you suggest the best 1st car for me between Naza Forte / Ford Fiesta / Myvi 1.5 / Honda City / Honda Jazz hybrid.
My detailis as below:
-graduated on May 2011
-currently working in gov sector, basic rm2200+allowance rm1000
-no loan yet
-looking for fuel efficient,low maintenance,good resale value car
-can pay downpayment 5-6K
Hi J, the other day we have replied to your entry but suddenly we lost internet connection and we were not able to send our comment. Anyways, based on your eligibility, we would recommend you not to get a loan above RM 80k otherwise you need to provide a guarantor. Based on your interest of getting a fuel efficient, low maintenance, good resale value, the best choice of car should be the Perodua Myvi. It’s a lot cheaper to own this model compared to others. If you want a better looking car, we’d recommend you to get Naza Forte, as it is really worth buying it. One of our admins owns this car and he’s quite satisfied with the purchase. The resale value is not as good as buying honda cars but the satisfaction of owning the car is there. Maybe there’s a trade off there. However, honda city may not be a good choice for you since your basic doesn’t meet the minimum requirement. We’d recommend you not to take ford fiesta as it’s quite hard to resell it in the near future.
Thanx a lot MY for your advise. One more question. Is it worth to wait for the new Proton P321-A or should I just proceed to book the Perodua Myvi?TQ
It depends though, if you like a compact car and drive around the city, Myvi is fine. If you plan to have kids in the near future, myvi may not be the right choice. Let us know if you would like to purchase Perodua Myvi or Proton tuah from our team. We’d help you with it.
Hi, i would like to know what is the car’s price range that i am eligible to buy if my monthly salary is RM2600.
Hi Miss, whats your monthly commitment? down payment nk bayar berapa?
So far, not attached to any loan at all. Only have credit cards commitment. For downpayment, maybe around 0-10%.
Hi Miss M, based on your basic salary, you can get any car that is priced below RM 80k. So, your loan should be around RM 70k+. Your options could be Toyota Vios Type J Auto, Naza Forte Lowest Spec, Perodua Myvi or Proton Persona.
Good afternoon!
My income about 1.8-2k now,which got payslip document.Got works part time for account(which is don’t have payslip document)depends on season,from hundred till thousands side income.
Recently using car age old already,wish to get a new Myvi 1.3L EZi(auto) or Myvi SE 1.5L auto with lowest down payment(like 1-2k,is it can right for Perodua car?Because,I got others committment…don’t feel like so burden suddenly) and 9 yrs loan(plan just pump it back huge payment for loan in future if possible when financial better that time to shorter back loan period).Mine this situation is it possible?
Besides,may I know recently bank interest for local car loan is about how much?3.5 or lower?
Lastly,my situation is would like to own this new car in fastest time…because need it urgent,can success buy & receive car in one month?
Really thanks for your info reply~I plan go approach Perodua centre by tomorrow also!
Thanks you alot in advance!! =)
Winsom, we received your email and we have replied it. Kindly check your email. Thanks.
Oh ya…want to add on one more info for my situation,that is…I totally no attach to any others loan even a credit card loan also.Is it this condition may help on?Thanks.
Can we contact you if you are okay with it?
Contact through sms is it convenient for you?Because my job more convenient with sms,while I like sms too.Hehe!Thanks-thanks.
saya hendak membeli sebuah kereta terpakai vios, ansuran bulanan saya nak tetapkan kepada rm500 sahaja. apakah harga yang bersesuaian dan adakah saya perlu membayar downpayment utk kereta terpakai?
Hi,
saya student malaysia yg belajar di luar negara dan saya merancang untuk membeli kereta proton preve premium untuk kegunaan di malaysia. dari segi downpayment, saya boleh bayar 40-50% daripada harga kereta. masalahnya ialah saya tiada ahli keluarga terdekat untuk dijadikan guarantor. Ahli keluarga yg sedia ada pun tidak berpendapatan tetap. Elaun bulanan saya adalah sebanyak RM3200. Soalan saya:
1) skim pinjaman apakah yg bersesuaian (dgn interest rate yg rendah)?
2) adakah masalah yg timbul sekiranya downpayment sebanyak 40-50% (ie income tax tp saya tak kerja lagi)?
3) perlukah bank statement? kerana bank account saya adalah bank luar negara. Yang dalam negara pun ada tapi tak aktif.
4) Berapa lamakah purata tempoh untuk mendapatkan kereta selepas booking?
5) sebarang advise lain?
Hi! Roughly how much is the fees for processing to buy 2nd hand car eg all in fees (transfer fees, Puspakom inspection, loan agreement etc). Note : I engage an agent to process everything including car insurance, loan application etc. Apprecite your advice. Thanks
Hi sue, most likely to be around RM 500 depending on the runner.
Hi, Good morning, i wish to ask that if i finished exam end of may but convocation on October 2011 then actually our graduate scheme is based on which date and am i eligible for graduate scheme if i wish to get a car on August? Actually currently i am working in singapore with basic $1800 dollar( already 3 months),am i eligible for graduate scheme 0 downpayment for mayvi or vios? what is the interest rate for both cars now? Graduate scheme allows us to buy 2 car at different time but within short period of time? 2nd thing is that my boyfriend is a property agent with no fix monthly income and no basic,so do not has any monthly payslip,any 0 downpayment car he can take? (sorry if i ask too may question, hehe)
Hi, are you currently doing a part time job?
Hi, i am working in private sector since feb 2010, having basic rm2,800.00 and rm650 allwnce. No other commitment. able to pay 10% dwnpmnt. With strict loan approval, am i eligible to strike for vios trd sportivo without gerento?
With regards to your other entry on honda city, the answer is the same. If the RM 650 allowance is a fixed allowance, there is a higher chance for you to get the loan approval. Let us know whichever model that you are interested to buy. Waiting period for Honda city is around 2-3 months, but for TRD, it should be much shorter depending on the colors. Do call us at 019-3559448 for more info.
Hi sir, my hubby basic salary is RM2262 + fix allowance RM350 = RM2612, he have 2 cars loan & personal loan total RM1282 ( good payment), my basic salary is RM2950 and i just 1 month make full settlement of my personal loan. Can i buy Honda stream if combine loan with my hubby.
Salam ayu. can you let us know the nett combined salary of yours and your husband (after deducting all loans, tax and epf).
Hi, I’m 23 this year, I having difficulty to buying a car, my monthly income for past 2 months is about 15k-20k RM, I’m salary is fully base on my commission without basic, I keen to buy this car GTR35 second hand, the price of this car is RM350k. I’m putting RM100k for downpayment and after calculate my monthly installment will be RM4k. Bank has said I do not have solid prove and I’m young, they required guarantor, but my parents income has no better than mine. What should I do? p/s , i do not have EPF, SOCCSO and etc, salary all by cash..
Hi louis, the bank is very risk adverse. The amount of loan you are applying is so high. We would advise you to maintain a good cashflow on your savings and bank statements. Which company are you working at? Why is it fully based on commission?
I’m just doing my own online trading business. Is there any way else to apply for the loan that you could help? Thanks for the reply
You just need to maintain at least a year of cashflow in to your bank account (RM 15-20k) then you can try to apply again. Bank is very strict in giving out loans and your age is in early 20s+.
For hyundai elantra 1.6HS, 10% dp and 7 years loan. What is the minimum net income?
Hello,
Dahulu saya dalam program AKPK, tetapi sekarang sudah keluar dari AKPK dan telah menyelesaikan semua hutang hutang saya di bank.
Gaji bersih saya adalah RM2395.00 kakitangan kerajaan. Berminat dengan Proton Preve CVT 1.6 Premium (RM73,000).
Adakah saya layak untuk membuat pinjaman bank?
Hi joule, pihak kami boleh cuba dapatkan pinjaman tersebut bagi pihak saudara/i dan berapakah jumlah down payment yang ingin dilakukan supaya pihak kami boleh hantarkan quotation ke email tuan.
Terima kasih kerana reply pertanyaan saya.
downpayment yang saya ingin meletakkan adalah RM3K dan saya juga ingin trade in kereta Proton Gen-2 1.6 H-line saya tahun 2006 yang masih ada hutang di bank sebanyak RM29,000.
Hi, mungkin baki hutang Proton Gen-2 itu masih tinggi dan mungkin joule perlu bayar lebihan jika baki hutang lebih tinggi daripada market value. Berapakah down payment yang joule ingin lakukan?
Jika boleh saya ingin membuat Downpayment RM3000
**tambahan – ingin buat installment selama 9 tahun.
Wow great help here… After reading above, I have gathered tha a foreigner must pay 20% down for any amount of loan. I earn 8k per month (taxed 27%) as a foreigner. Take home pay 5840RM per month. I work for a very well known Malaysian company at managerial level, 31 years old. Bought my first car, Perdana with cash. I do not have a guarantor.
What docs do I need to apply? 3 month bank statement, 3 month pay slip, work permit, passport… did I miss anything? Appreciate your help
Makasih.
Yes mike, you should provide your driving license as well. Kindly let us know what type of car you would like to buy and we do accept trade if you would like to sell your current Perdana.
Give us a call at 019-3559448 so that we can provide you with more details based on your car spec, budget, etc. Thanks mike