1,647 Comments

Interest Rates


LAST UPDATED: 1 June, 2012

MALAYSIA CAR LOAN INTEREST RATE (Applicable to brand new cars only):
LOCAL CARS INTEREST RATES :

Proton : From 2.85 – 2.95 %  (Grad Scheme: 2.98%)
Perodua : From 2.85 – 2.95 % (Grad Scheme: 2.98%)

IMPORTED CARS INTEREST RATES:

Honda : From 2.38- 2.55 %
Toyota : From 2.38 – 2.55 %
Hyundai : From 2.45 – 2.55 %
Naza Kia : From 2.45 – 2.55 %

USED CARS INTEREST RATES:

The rate should be higher 0.8 – 1.5% than the rates listed above.

TERM & CONDITION:

Kindly note that the rates listed above exclude any specific promotion available on certain model. Please be advised that if your financial conditions do not meet the bank’s requirements, the interest rate could be higher than the rates listed above. Click on the financing tab to find out the lists of our bank panels.

FINANCIAL CALCULATOR:

  1. Monthly Installment Calculator: Click here
  2. Affordability Calculator: Click here
  3. Loan Settlement Calculator: Click here
  4. Road Tax Calculator: Click here

1,647 comments on “Interest Rates”

  1. Didi January 20, 2010 at 12:30 pm

    Hi,

    adik ipar saya plan nak beli kereta viva. tapi salary dia basic + OT dlm 1200 sebulan.

    Gerentor ada masalah dgn bank. bole tak adjust untuk dapatkan kereta for my adik ipar.

    thanks

    • mybestcardealer January 20, 2010 at 1:19 pm

      Hi,

      Kami tidak dapat menjawab soalan anda sebelum anda mengemukakan jawapan kepada soalan di bawah:

      1) Berapakah gaji bersih beliau?
      2) Apakah model Perodua viva tersebut? Bx,Ex, standard, etc?
      3) Berapakah jumlah down payment yang ingin dilakukan?

      Terima kasih.

    • zahirah aimi November 24, 2011 at 12:32 am

      hi…
      skrg sy mempunyai basic salary Rm1523.. jika sy buat loan utk Myvi SE 1.5L – Automatic dgn downpymnt Rm5k.. bolehkah sy dapat kereta yg diidamkan? berapa monthly saya perlu bayar utk 9thn dan interestnya? terima kasih =)

      • Mybestcardealer.com November 24, 2011 at 7:05 am

        Monthly akan berada dalam sekitar RM 59+,++. Ia mungkin agak tinggi dan sudah berapa lamakah anda berkerja? Interest akan berada dalam sekitar 2.9%. Untuk mendapatkan pinjaman yang lebih mudah, boleh suruh parent jadi guarantor atau suami yang dh bekerja.

      • addy February 8, 2012 at 5:51 pm

        i am currently a graduate, if i get a myvi car but i have an offer letter with a job in coming march of 2.8k.. can i get a loan ? or can my parent which is 55 years old get a loan ..etc?

        thanks

      • Mybestcardealer.com February 22, 2012 at 9:33 pm

        Addy, if you have the offer letter, yes you can. Are you interested in getting the loan under graduate scheme or normal scheme? If you choose to get a normal loan, you may need to provide a guarantor. You parent can be one. Give us a call at 019-3559448 and we’d help you with it.

  2. xana January 26, 2010 at 2:42 pm

    Hi..
    I interested in buying Vios E spec. Auto..Wit 10% deposit..I need to know what is the interest rate for Toyota Vios?And how much I have to pay per month..After the promo (rebate options)..Dan ape free gifts yg saya boleh dpt..

    Thanx

    • mybestcardealer January 26, 2010 at 3:13 pm

      The latest interest rate is 2.8%

      Model: Toyota E Spec
      OTR Price = RM79,425
      If you are paying 10% down payment = RM7,942.50
      Total Loan = RM79,425-RM7,942.50 – (RM2,000 cash rebate) = RM69,482.50
      Your monthly payment will be estimated around = RM805

      Free gifts are listed on our promotion page.
      Promotion, Click here!

      Thank you

      • xana January 26, 2010 at 5:06 pm

        how about honda city S?with a 10% downpayment?
        My budget is 800/month for 9 years and I still considering between this two..Any tips that I shud consider?

      • mybestcardealer January 27, 2010 at 2:48 pm

        The estimated rate of interest charged is between 2.9-3.1%

        Model: Honda City S
        OTR Price = RM84,980
        If you are paying 10% down payment = RM8,498.00
        Total Loan = RM84,980-RM8,498 – (no cash rebate) = RM76,482
        Your monthly payment will be estimated = FROM RM893

        The best tips that we could suggest are totally depending on you:

        1. Have you ever had any of those car brands?
        2. Do you know any services center nearby?
        3. Ask anyone close to you who’s driving the cars about gas consumption, comfortableness, car handling, maintenance fee, etc.
        4. Are you willing to pay more for Honda City?
        5. Which design do you prefer the most?
        6. In term of color availability, which one that’s offered and which one that’s not.
        7. You might need to consider the depreciation value of the car. (if you want to re-sell later)

        By answering these questions, you are actually making the right choice. Let us know if you still need any further assistance.

        Click here to give your feedback or comment: RATE US

      • muhansul April 12, 2012 at 4:26 pm

        what is the criteria to get cash rebate..is it base on car model or discounted priced for old stock model…what i know from other sale person..each month they will give discounted price.is it true?

  3. xana January 26, 2010 at 5:09 pm

    and for the Vios E spec..is this price for non metallic?how about metallic?

  4. miss January 27, 2010 at 9:40 pm

    hi…

    i planning to trade in my car to a viva or myvi for d/p..

    1.can i know the range of current trade in market value of
    Proton wira aeroback GLi Auto year 1999?

    2. should i make full loan settlement for my wira before trade in or is there any other way for me to have new car?
    thanks and regards

    • mybestcardealer January 28, 2010 at 11:09 am

      Hi,

      Thank you for your inquiry. What’s the outstanding balance of your Wira Aeroback?

      • miss January 28, 2010 at 4:10 pm

        hi…

        this is some info for my wira loan..

        loan amount : 18000
        interest rate : 6.2%
        total installment period : 84mth
        installment period paid to date :19mth

        Total rebate if you settle your loan :4551.93

        Total to pay your finance
        company as settlement :15408.47

        please advice the best way,
        thanks

  5. miss February 1, 2010 at 6:23 pm

    ok thats help alot..i will email you to discuss further..

    thanks

  6. Ahmad February 6, 2010 at 1:53 pm

    Hi,

    I’m planning to buy a new Myvi SXi (Ebony Black) for my first car. Is it possible for me to apply full loan for it? If not, what is the minimum down payment do I need to pay? & how much do I need to pay for the installment for 9 years?

    My basic salary is RM2700 p/month. & I’d graduated from a local university 3 years ago.

    Thanks.

    • mybestcardealer February 7, 2010 at 3:56 pm

      Hi,

      Yes, you are eligible to apply for a full loan if you do not have any other personal loans.

      Price: RM46,700
      Down payment: RM 0
      Loan: RM46,700
      Monthly: RM578
      Interest: 3.75%

      Call En. Ihsan at 019-3559448 if you want to make an appointment.

      Thanks

  7. iena February 8, 2010 at 10:01 am

    hello, i’m planning to buy saga SE with d/p rm15k or 10k loan for 7 or 9 years. how much i will pay for monthly installment with both d/p and years? thanks in advance.

    • mybestcardealer February 8, 2010 at 11:42 am

      Price (Solid): RM 42,048 (MT), RM 44,548 (AT)
      Price (Metallic): RM 42,498 (MT), RM 44,998 (AT)

      Interest: 3.75% (9 years), 3.65% (7 years)

      Example: Proton Saga SE Solid
      Down payment: RM 15
      Monthly (9 years): From RM 335
      Monthly (7 years): From RM 404

      Down payment: RM 10
      Monthly (9 years): From RM 397
      Monthly (7 years): From RM 479

      Calculate your exact monthly installment at…
      http://mybestcardealer.com/loan/loan.php

  8. mybestcardealer February 9, 2010 at 12:11 pm

    Ahmad :

    Is the full loan for government servant only?

    No, anyone could apply for a full loan but it strictly depends on his/her documents.

    Thanks

  9. afi February 18, 2010 at 12:26 am

    hi…i planning to trade in my car iswara 2004 to avanza 1.5 type e/d or alza 1.5 premium
    1.can i know the range of current trade in market value of
    Proton iswara lmst year 2004?
    2. any cash rebate for avanza or alza?full loan?my salary is rm3300
    3.fix interest for avanza/alza?

  10. JIA JUN YEAP March 5, 2010 at 2:51 am

    HELLO I WOULD LIKE TO BUY THE KIA FORTE 1.6 SX TITANIUM SILVER HOW MUCH DISCOUNT ARE YOU GIVING AND THE WAITING PERIOD FOR DELIVERY.BUT I HAVE A PROBLEM WITH MY PAYSLIP, MY BLACK AND WHITE SALARY IS ONLY RM1200.I AM ALSO PAYING DOWN PAYMENT OF RM 40000.IS TI STILL POSSIBLE TO GET LOAN FOR THE REST OF RM41800 TO APPROVE .ALSO WHAT THE BEST RATE FOR 9 YEAR LOAN.

    • mybestcardealer March 8, 2010 at 12:41 pm

      Hi,

      Thank you for your inquiry. There’s no discount available for this new model and waiting period is within 1-2 months (Make an early booking is recommended). If you have a problem with your payslip, please provide us your bank statement or any other saving account statement. We could not guarantee if you could get the loan without having to look at your documents. The best interest rate is 2.9% for 9 years, but since you’re paying a huge down payment, it may be reduced by the bank. Contact En. Ihsan at 019-3559448 if you are interested.

  11. Sean Tey March 14, 2010 at 12:55 am

    HI,

    I wanted to trade in my Gen2 1.3cc registered 2005, can you let me know what’s the maximum price now and I’m interested to buy Kia Forte 1.6 SX. Hence, can you let me know how much I need to pay for the loan instalment in every month if my loan tenure is either 7 or 9 yrs.

    THANKS

    • mybestcardealer March 15, 2010 at 11:19 am

      Hi Sean Tey,

      Can you please provide us more info on your Gen2 outstanding balance?
      Kindly tell us how much down payment that you want to pay.
      Click here if you would like to calculate your monthly installment for your new Forte:

      http://mybestcardealer.com/loan/loan.php

      Price (OTR) = RM 75,800 (1.6 Ex), RM 81,800 (1.6 Sx) and RM 93,800 (2.0 Sx).
      Please use our new estimated rate of interest = 3.2% for 7-9 years loan.

      If you need an immediate reply, simply text/call En. Ihsan at 019-3559448.
      Admin

  13. krazy April 6, 2010 at 10:36 pm

    hi,
    saya ingin membeli toyota vios J(manual)…basic gaji saya rm1200…tapi kalau cmpur dgn ot, bersih dlm rm2200…saya ade pinjaman perumahan(rm400)…layak kah saya utk membeli model tersebut??? saya ingin letak d/p sbanyak 15k….
    berapa bayaran bulanan utk 9 tahun serta interest??? ada promosi utk model tersebut???

    • mybestcardealer April 8, 2010 at 1:49 pm

      Hi,

      Terima kasih diatas pertanyaan yang diberikan.
      Persoalan tentang kelayakan dalam mendapatkan pinjaman itu bergantung kepada pihak bank yang akan memberikan kelulusan.
      Tetapi perlu diingatkan bahawa bayaran bulanan tuan/puan adalah 1/3 daripada gaji bersih/basic.

      Harga Kereta: RM71,990
      Down Payment: RM15,000
      Interest: 3.5%
      Bulanan: RM69x.xx

      Minimum gaji bersih perlulah sekurang-kurangya RM2,400 dan jika tuan/pyan tidak menepati syarat ini, dinasihati tuan/puan mendapatkan penjamin/guarantor.
      Jika tuan/puan mempunyai sebarang soalan, sila hantarkan emel ke admin[at]mybestcardealer.com

      Sekian terima kasih.

  14. fiza April 21, 2010 at 9:52 pm

    i want to buy saga ML 1.3 at…how much does it costs? if deposit 10k, how much is monthly installment for 7 yrs? can get below rm400 mthly?

    • mybestcardealer April 22, 2010 at 10:11 am

      Hi,

      Thank you for your inquiry.
      Model: Proton Saga M-Line AT (Solid)
      Price: RM 41,548
      Down Payment: RM10k @ interest 3.9%
      Monthly: RM478

      Your monthly installment would be around RM402.xx if you pay RM15k as a down payment.
      Feel free to contact us for more info.
      Thank you,
      Admin

  15. zamme April 22, 2010 at 3:46 pm

    Hi,

    I intend to trade in my Perdana V6 (end 2003) which has a balance of RM32,900with Public Bank.

    I am planning to get an Alza (RM65,000)or Vios (RM77,000)with a downpayment of RM5,000 and repayment period of 9 years. What are the interest rates for both?

    Would appreciate if you can calculate for me the monthly payment for both options (my budget is RM700). Currently i am paying RM1,037 for my V6.

    Tq.

    • mybestcardealer April 23, 2010 at 10:14 am

      Hi,

      We’ll check the best price range for your Perdana V6 and if you are a serious buyer, you can set an appointment with En. Ihsan or you can email us your contact number and our representative will contact you asap.

      (1) Perodua Alza AT (Special Metallic) = RM64,190
      Downpayment = RM5,000 @ interest rate = 4.0%
      Monthly = RM745.xx

      (2) Toyota Vios AT (Type J) = RM76,990
      Downpayment = RM5,000 @ interest rate = 3.5%
      Monthly = RM876.xx

      Feel free to contact us if you need further assistance. TQ

  16. Jung Zhen May 16, 2010 at 1:33 am

    Hey,im planning to buy a honda city E class.
    my estimated downpayment will be around 20,000.
    can u give me the details about the interest rate and how much should i pay by monthly.
    thx

  17. Jung Zhen May 16, 2010 at 2:07 am

    wah,i’m just a student.
    is it possible to make it to 800/month with topping up my down payment?

    • mybestcardealer May 16, 2010 at 2:13 am

      The best way to deal with this is by having 9 years loan period + more down payment if possible.
      Your interest rate may go down to 3.2% for 9 years. Let us know if you are interested.

      If 9 years loan = RM841 monthly @ i=3.2% and RM20k downpayment

  18. VinC May 18, 2010 at 10:05 am

    What is the best interest rate can get from which bank as for proton exora mline with downpayment 10k and 7 years loan period?

    • mybestcardealer May 18, 2010 at 2:11 pm

      Please note that the current interest rate charged for any proton cars is fixed to.. (all banks)

      9 years: 4.00%
      7 years: 3.90%
      5 years: 3.75%

      If you have any other questions, feel free to ask. Thanks

  19. Ryan YOng May 21, 2010 at 10:15 am

    I planning to buy a kia forte 1.6SX. RM81,800. my down payment will be 10K.
    i would like to know what tis he best interest i can get from which bank?
    this is the 1st car i buy. my salary total is RM4800. my monthly commitment only RM964 for a condo installment. other than that my record is clean.

    please advise me. thanks

    • mybestcardealer May 21, 2010 at 11:31 am

      Hi,

      Based on the information given, I would say you have a pretty strong document and maybe we can try to assist you in getting the lowest interest rate which is 3.2% for 7 or 9 years. Typical interest rates would be:

      9 years: 3.5%
      7 years: 3.4%

      Monthly Installments @ i = 3.2% would be

      9 years: RM1,034
      7 years: RM856

      You can set an appointment if you would like to purchase with us. Call 019-3559448. Thank you.

  20. Ryan YOng May 21, 2010 at 10:16 am

    forgot to tell than i will go for 7 or 9 years loan period.

  21. Terrence May 26, 2010 at 2:51 pm

    hi,

    im interested in VIOS E spec with 10% down payment, may i know what is the current interest for toyota now? go for 7 or 9 yr loan depends on interest

    • mybestcardealer May 27, 2010 at 2:09 pm

      Hi,

      There’s RM1,000 cash rebate for Toyota Vios. Current interest rates are from 3.2%-3.5% depending on the bank. Bank will normally charge 3.4% (7 years) and 3.5% (9 years). However, if your documents are strong, you might be able to get a lower interest rate. You can submit the documents to us if you are interested. Feel free to call En. Ihsan at 019-3559448.

      Thank you.

  22. hafizah May 29, 2010 at 9:47 pm

    Hai,

    Abang saya mahu beli vios 1.5J AT. Down payment 10%, loan 9 tahun. Jadi, bulanan berapa yang perlu dibayar?

    • mybestcardealer June 1, 2010 at 11:08 am

      Salam,

      Bayaran bulanan nya adalah seperti berikut:

      Model: Toyota Vios 1.5J AT
      Price: RM76,990
      Discount: RM1,000
      Down Payment 10%: RM7,699 – discount = RM6,699
      Interest Rate: From 3.2%-3.5%
      Monthly installment: RM 826- RM844

      Hubungi En. Ihsan untuk mendapatkan maklumat lanjut di 019-3559448. Sekian.

  23. iena June 7, 2010 at 3:42 pm

    hello.. do u have ready stock for BLM SE Manual/auto white colour or VIVA elite auto/manual white colour?

    if not, what colour available for both model?

    thanks!

  24. amir June 13, 2010 at 4:40 pm

    hi,
    i’m government servant and planning to buy honda city type E
    for your information , my basic salary is around RM2k +(allowance). minus personal loan RM600.can i apply for full loan and 10 years payment with dwpyment rm3k

    • mybestcardealer June 14, 2010 at 12:25 am

      Thank you for your inquiry.
      Based on the information given, you are saying that you want to pay RM3,000 right? Your basic salary does not meet the minimum level requirement (RM3000) and we would suggest you to find a guarantor OR make a joint-income loan with your wife (if you’re married). These two alternatives would likely to increase your chance of getting the loan approval. Call us at 019-3559448 for more info. Thank you.

  25. girl June 25, 2010 at 1:05 pm

    Hi..im planning to buy a perodua viva elite (Auto). Can i have RM 0 downpayment as my basic salary is RM1300 per month.
    How much is the monthly installment. thanks.

    • mybestcardealer June 26, 2010 at 10:55 pm

      How long have you been working? Are you working for a government, GLC or private company? You may also need to have a guarantor and are you able to find one?

      Perodua Viva Elite (Auto) ::
      Price: RM40,500 @ 0 down payment
      Transmission: Auto
      Interest rate: 4.1%
      Monthly Installment: RM513.xx

  26. huijun80 June 27, 2010 at 2:24 am

    Hi,I’m 19years old and not Government servant. My net salary is rm 1400.00(++) and working 1 year already. Is that allow me apply car loan for Viva 660BX solid(basic) or Viva 850EX solid? If sure can, may I know that the
    1) Price both type car
    2) minimum downpayment
    3) monthly installment for 9 years?
    4) Interest rest
    This is first time having car for myself, may I have some tips for buying car?
    thanz^^

  27. Eza July 9, 2010 at 1:54 pm

    Hai nak tanya..saya nak amek Saga BLM 1.3 Manual RM36998(OTR)
    Gaji basic RM1450..Tolak EPF dll dan campur OT Nett Pay around RM138+.++ / RM14++.++. Saya nak bayar muka RM6K je &
    Tempoh pinjaman 9thn. So lepas tak nak amek saga ni? n monthly nye brapa pula??

    • mybestcardealer July 9, 2010 at 11:35 pm

      Hi,

      Based on your salary info and if you don’t have any other personal loans, you won’t have any problems applying for the car loan. Feel free to set an appointment with En. Ihsan at 019-3559448.

      If you are serious buyer, you can bring along all of the important documents for the loan application. Thank you.

  28. Sean Lim July 11, 2010 at 11:47 pm

    Hi, i would like to know the price of Toyota Vios 1.5 J (MT).
    What is the interest rate for 5 years, 7 years, 9 years loan?
    Any rebate or low interest rate promotion and what is the terms of condition applied for the promotion?

    I’m having car loan with the details as following:
    Car Type: Proton Sage BLM (full spec)
    Year: June 2008
    Car loan RM34000
    Interest rate: 3.88%
    Monthly installment: RM515
    Months of payment paid: 24

    If i would like to trade in for Toyota Vios 1.5J(MT) then what will be the monthly installment for 5 years, 7 years, 9 years loan?

    Thanks for information in advance.

  29. hakimi July 12, 2010 at 1:56 pm

    hi,
    just wanna ask. i’m want to buy a car. probably new saga or maybe second hand car. This will be my first car. i just finish my degree and will be working as gov servant about another a week. so thinking of apply loan to buy car. the question is whether i could afford a loan since i still dont have salary slip..

    • mybestcardealer July 16, 2010 at 10:33 am

      Hi, the question of whether you could afford the car loan cannot be answered without enough information about your basic salary. If you are talking about your eligibility of applying the car loan, then the answer would be “no problem”. You need to provide us:

      1. Photocopy IC
      2. Driving Licence
      3. Degree certificate
      4. Offer letter from your employer.

      If you have any further questions, feel free to ask or call En. Ihsan at 019-3559448.

  30. Eza July 12, 2010 at 2:04 pm

    Thanks..but just want to know first, how much should i pay by monthly?

  31. mia July 13, 2010 at 6:27 pm

    I planning to buy HONDA CITY S. My down payment will be 20K.
    I would like to know what is the best interest i can get 4 9yrs loan?
    My salary total is RM2900.i’m gorvent servant. TQVM

  32. antheroo July 14, 2010 at 4:51 pm

    Hi. If I were to buy a car now (14-16 July), will the new rates come into effect since it’s stated as 17th July?

    Let’s say I want to buy a Myvi SE 1.3 with downpayment of RM20k with a 6 years loan, what kind of interest rates can I get?

    Thanks

    • mybestcardealer July 15, 2010 at 7:21 pm

      Hi,
      Thank you for your inquiry. Please note that there’s a typo on the last updated date. It should have stated as 17th of June. We are sorry for any inconvenience that may cause. However, if you are interested to buy Perodua Myvi, the rate would be 4.00%. You may also check your eligibility of getting lower interest rate by clicking on this link. Click here

    • mybestcardealer July 16, 2010 at 10:59 am

      Hi there,

      Thank you for your inquiry. Please note that the rates stated above are the latest rates at this moment of time. If you are interested to purchase any proton vehicles, feel free to ask.

      We look forward to working with you. Thank you

  34. Isz July 17, 2010 at 12:57 am

    Hello,
    I juz wanna ask. I want to buy a 2nd Proton Gen2 (2005)n the price is around RM28k.My salary is RM1200.Am I eligible to apply for a loan?If can what choice I have for the payment?

    TQ

    • mybestcardealer July 17, 2010 at 3:42 pm

      Hello,

      Your monthly payment should be around RM380.xx for 9 years loan and it shouldn’t be a problem for you to apply for the loan if you don’t have any other personal loans. Thank you. However, if you want to buy a new car, you can purchase Perodua Viva or Proton Saga based on your eligibility. May i know how much down payment you are willing to make?

  35. siva July 21, 2010 at 10:00 pm

    how about honda city S?with a 20% downpayment?
    My budget is 800/month for 9 years and I still considering between this two..Any tips that I shud consider?

  36. Anandh August 6, 2010 at 10:29 am

    Hi,

    I plan to buy a car (not national car) by 2011, this will be my 1st car n loan. Looing a sedan below 1600cc. My salary Rm2500 basic. I willing to pay monthly rm500 to rm600… which car wil u suggest me. Tq.

  37. Sab August 14, 2010 at 12:24 pm

    hi.. jus wanted to enquire. i have a 2003 wira SE , with a loan balance of 18000. i wish to trade in in for a myvi. my monthly budget is about RM 400-500. wira in good conditon, no accidents.thanks

    • mybestcardealer August 17, 2010 at 5:58 am

      Hi,

      Thank you for your inquiry. Please note that your car market price will be around 13-14k and the balance should be paid to the bank as amount of settlement. If your monthly budget is about that range (rm500-600), the best option for you is Perodua Viva, not Perodua Myvi. You can use our “affordability calculator” at CLICK HERE and please use 4.25% as your interest rate for 9 years loan.

  38. amal August 16, 2010 at 12:09 pm

    assalamualaikum.

    did the interest rates may vary with every show room? a show room offer 4.1% for 4 years loan for a m-line BLM.

    • mybestcardealer August 17, 2010 at 5:53 am

      wasalam, it really depends on which car that you are buying. Different banks sometime offer different interest rates. If you could provide us more information about the car you are buying, we’d find out the latest interest rate for you.

      Thanks

  39. CT August 18, 2010 at 1:16 pm

    hello,

    my salary is rm3k. i wud like to have monthly payment for rm900 – rm 1k.can i know,what car is affordable for me if i’m willing to engage for 9 years car loan.tq.i’m not a credit card holder n dun hv personal loan.how much is the interest charged?tq

  40. carol August 19, 2010 at 5:21 pm

    hi i would like to know about getting new Myvi SXi (Ebony Black). My basic salary is RM1400.00.what is the minimum down payment do I need to pay? & could u kindly provide me the details of how much do I need to pay for the installment for 5, 7 & 9 years?

  41. Addy August 24, 2010 at 4:34 pm

    Hi…i planning to buy a 2nd hand kelisa …do i need to prepaid my bank statement ? my bank oni left few k…is that any problem to apply loan? My salary is rm 1800 and i plan to give rm15000 down payment .

    • mybestcardealer August 26, 2010 at 12:51 am

      To be honest with you, you don’t need to deposit your money into your account. Since you are paying a high amount of down payment, we don’t think that you have a problem applying for the car loan. Have you found any 2nd Kelisa or you are still looking for it? Call me at 019-3559448 and provide me some details on car spec, transmission, preferred color and year manufactured (range).

  42. Rydia August 24, 2010 at 8:44 pm

    Hi,saya plan untuk membeli keta proton Saga-M line,Auto,Metalic ,loan untuk 9 tahun….boleh kah saya tahu interest rate terkini untuk model ini,dan bank mana yg menawarkan interest paling rendah buat masa ini di sarawak @ Kuching,kerana saya bingung mana satu bank ingin dipilih untuk membuat loan bank yg terbaik..TQ.

    • mybestcardealer August 26, 2010 at 12:46 am

      Hi,
      Thank you for your inquiry. Please read the latest entry on interest rates at our new blog: http://www.mybestcardealer.com/blog/
      Malaysian gov. has set a new policy on interest rates in which the rates will be determined based on the car’s cubic capacity (CC). The best choice is to make sure you choose the bank that you are familiar with in term of policy and accessibility (distance from home). We encourage you to consult with your salesman before making any decisions (our services are limited within KL, Selangor and nearby areas) . We wish you the best luck.

  43. Haizam August 26, 2010 at 8:40 am

    Hi, I planning to buy hyundai i10 I inspire, my downpayment around 6k.

    My salary 4k monthly

    what is the cheapest interest rate could i get and on which bank.

    • mybestcardealer August 31, 2010 at 1:38 pm

      Hi,

      Thank you for your inquiry. Please note that the new interest rates are determined based on the cubic capacity of your car and please click here to find out the latest interest rates. In other words, each bank will charge the same interest rate.

      Admin

  44. nina August 27, 2010 at 5:55 pm

    Hi,

    i plan 2 buy d new altis 1.8g (otr: 124k).n plan to take a 9-yr tenure. may i know wats the interest, say if d car is released smwhere in november this year? do u think the present rates will be reduced by the end of this year?

    • mybestcardealer August 31, 2010 at 1:55 pm

      There’s no guarantee that the rates will be the same by the end of this year. It might go up and down but based on our observations, interest rates have been increased twice in a year and it would probably stay the same or move down gradually for a certain period of time when the economy starts to recover. How long does it take is questionable. But, if you are working under government or GLC, you might have an option to get lower interest rates (for toyota and other selected brands only).

      Call us for more info and we’d be happy to assist you from A-Z. Thank you.

  45. emtri August 28, 2010 at 7:35 am

    SAlam.
    Berapa interest rate terkini untuk kereta terpakai?
    Adakah ianya telah ditetapkan oleh Bank Negara?

  46. adam August 29, 2010 at 7:30 am

    Hi. I would like to buy a Satria Neo M-line or H-Line. But i didn’t know how much can be for DP. then if my paycheck per month is around 2k and doesn’t prefer DP which company can offer me to buy with them. How much the interest that bank will charge on me.

    • mybestcardealer August 31, 2010 at 2:10 pm

      Please note that Satria B-Line and CPS models are the only models that available in the market right now. Based on your basic salary info, yes you can apply for a full loan. Read the latest entry on interest rates at our blog, click here. If you plan to get graduate scheme, the interest will be slightly higher (0.1-0.3%).

    • mybestcardealer August 31, 2010 at 2:10 pm

      Please note that Satria B-Line and CPS models are the only models that available in the market right now. Based on your basic salary info, yes you can apply for a full loan. Read the latest entry on interest rates at our blog, click here. If you plan to get graduate scheme, the interest will be slightly higher (0.1-0.3%).

  47. harris August 30, 2010 at 2:35 am

    hallo my name is harris….im interested with kia forte 1.6 high spec…currently im driving a myvi 2007…..i wanted to trade my myvi with kia forte..but my big problem is i dont have any money for downpayment yet….i just started working for 6 month with my new company already with a basic salary rm4450 and i have credit card and personal loan that i need to pay around rm350 is there any bank that can offer 100% loan i dont mind if i need ta pay higher for the monthly installment plz help thank you

    • mybestcardealer August 31, 2010 at 2:15 pm

      Before answering your question, could you provide us more information on your loan balance/settlement for your Perodua Myvi? You’ll have to pay the difference if your loan balance is higher than the car market value. Based on your salary information, you may be eligible for the full loan, but if you pay at least RM3k as a down payment, chance of you getting loan approval is definitely higher.

      • harris August 31, 2010 at 6:13 pm

        well i bought it in 2007…for the loan balance i think its around rm 36000….my myvi is auto green color and i didnt do anything to that car so everything is standard…..but the 3k downpayment is for the low spec kia forte….i wanted to get the high spec but i need to put 10% for it….let say if i have 3k is it posibble for me to put 3k downpayment for the high spec? do they accept 3k because every kia showroom that i went all of them say that i need ta put 10% for the high spec

      • mybestcardealer September 2, 2010 at 1:05 pm

        Sir, can you please email us your contact number at admin@mybestcardealer.com. We need further information to answer your question and it’d be easier if our sales representative could talk to you directly or you can reach me at 019-3559448.

        Thank you and sorry for any inconvenience that may cause.

  48. juno September 2, 2010 at 5:27 pm

    sir, i interesting vios J spec auto.
    vios promotion still available ?

    if i paid rm3000 as a down payment , can u count to me the monthly installment?

  49. razman September 20, 2010 at 10:27 am

    hai~

    saya berminat utk beli kereta proton persona h-line Auto Metallic.
    tapi masih memiliki kereta wira aeroback tahun 2002 yang masih dalam tempoh hutang.
    repayment period utk wira adalah 7 thn.
    utk kereta persona berkenaan, saya tidak akan meletakkan apa2 d/p.
    adakah saya layak memohon pinjaman bank utk kereta baru + utk settle hutang kereta lama saya (wira)?

    harap saudara boleh membantu. tq!

    • razman September 20, 2010 at 10:30 am

      ..maklumat tambahan:
      gaji bulanan bersih saya adalah sekitar rm2200.
      bekerja dlm sektor awam.
      kereta wira berkenaan adalah 2nd hand, dibeli pada tahun 2008.

    • mybestcardealer September 20, 2010 at 10:53 am

      Hi,

      Terima kasih di atas pertanyaan yang diberikan. Boleh kami dapatkan maklumat tentang baki pinjaman kereta wira tersebut? Jika tuan sudah berkahwin, tuan boleh membuat pinjaman joint-income dengan isteri bagi mendapatkan kelulusan pinjaman dengan lebih mudah. Kami pasti hutang kereta tersebut masih tinggi berbanding harga pasaran kereta tersebut. Untuk maklumat lanjut, sila hubungi En. Ihsan di 019-3559448.

      • razman September 20, 2010 at 12:10 pm

        baki pinjaman kereta wira adalah rm18894, dan saya telah berkahwin.
        berkenaan dgn joint-income car loan tu, mana2 bank ada sediakan ker?

  50. are-peez September 20, 2010 at 2:45 pm

    Hi,

    I’m interested to buy a 2nd hand Honda Civic, price RM85,000 (Year 2006). Can I know what is the current interest rate for it and the monthly payment for 8 or 9 years.

    Thanks

    Notes : Monthly commitment for housing loan = RM720 and my salary is RM3K

  51. syam September 25, 2010 at 2:47 pm

    sy bercadang nak beli honda jazz 2nd,jazz 1.5 idsi 04 or 05..market range yg sy dah survey around 55k-60k skang. income sy 2k lebih je sebulan. tp,payslip basic rm600,allowance rm600. yg lain incentive xde tulis kat payslip. downpament sy budget 3k je. brape loan yg sy boleh dpt? dan,brape interest for 7thn? & perlu guarantor ke? lg satu pasal ‘NCD’,xbrape faham laa.. orang kate insuran for keta 2nd yg sy nak beli ni mahal,lg baik transfer ncd keta sy skang,then beli insuran baru for keta sy skang..

    • mybestcardealer September 28, 2010 at 11:02 am

      Hi sham,

      Berdasarkan gaji bersih yang dinyatakan, tuan perlu mendapatkan penjamin untuk mendapatkan kelulusan walaupun gaji anda mencecah sehingga lebih 2k. Tuan boleh menggunakan financial calculator kami di http://www.mybestcardealer.com untuk mendapatkan julat harga bulanan.

      Berkenaan NCD kereta tersebut, NCD atau No claim diskaun di mana jika tuan tidak accident di dalam tempoh 12 tahun atau tempoh masa yang ditetapkan, tuan boleh mendapatkan discount untuk memperbaharui insurans tersebut.

      NCD – A reward scheme for the policyholder if no claim was made against the policy during the preceding 12 months of policy. Different NCD rates are applicable for different classes of vehicles. For a private car, the scale of NCD ranges from 25% to 55% as provided in the policy.

  52. Azi September 26, 2010 at 5:51 pm

    Berapa market value utk myvi 1.3, registered 2005..

  53. azziz September 28, 2010 at 9:34 pm

    1. saya nak tanya bahawa berapa harga trade in untuk kancil 850 ex 2005?
    2. gaji saya Rm 2700 , saya ingin membeli Honda city E spec dengan D/P rm7000 + Trade in Kancil saya dengan loan 9 years, adakah saya akan dapat pinjaman?

    • mybestcardealer September 30, 2010 at 10:22 pm

      hai,

      the market value of you car will be around 11k, depending on the car condition.

      You may need to have a guarantor based on your basic salary info. If you don’t have one, you can apply for a graduate scheme but you need to provide your degree/diploma certification.

  54. alann September 30, 2010 at 3:49 pm

    hi there,
    here i have enquiry..
    1) may i noe what is the latest lowest or standard interest rate for Honda Civic 2.0 L?
    2) is dat possible for me to buy this car if my salary is RM2500?(stay with family+status single)
    any advise?

    thanks~

  55. hafizushi October 4, 2010 at 5:12 pm

    hi,

    i’m interested with naza forte 1.6sx version, i have some question for you..

    1) what the current interest for 9 years…

    2) my basic salary is 2k plus rm150 allowances n im work with glc company…with 10% d/payment how much i need to pay monthly?

    3)and can i get the loan after i pay/with 10% d/payemnt?

    TQ…

  56. wan October 11, 2010 at 2:50 am

    Hi,

    I plan to buy 2nd hand car by this nov, this will be my 1st car n loan. Looking a sedan below 1600cc with 0 d/p and the target is 2nd honda city yr 05′-06′ or 2nd vios type j or e spec yr 07′-09′ and i want to take 9 years loan agreement. My salary Rm2500 basic + allowance rm400. I willing to pay monthly maximum installment rm750… . Tq.

    • mybestcardealer October 11, 2010 at 11:30 am

      Salam,

      Thank you for your inquiry and please note that we are not a used car dealer. If you are interested to make a request on specific car, you can go to carlist.my. You’ll find a space for you to make any car requests based on your interest.

      Thank you.
      Admin

  57. Don October 12, 2010 at 2:29 pm

    i’m planning to get a car..viva or saga blm..my salary is rm1250 including allowance…can I apply for loan

    • mybestcardealer October 13, 2010 at 6:52 am

      Hi there, how long have you been working? If you just graduated, you can apply for a graduate scheme. If not, you need to provide a guarantor for your loan application. Feel free to contact me directly at 019-3559448 if you need further explanation. I look forward to hearing from you soon.

  58. linda October 17, 2010 at 1:16 am

    hi.. bkn ke vios j type harga >< 71k++? utk auto brp monthly instlment perlu sy byr if d/p sy $8k/$10k?selama 9thn&brp interest rate? basic saya 1.9k..perlu guarantor x?tqvm..

  59. alann October 18, 2010 at 5:36 pm

    Salam,,

    nk tny sket brader..
    brape interest rate utk honda civic 2.0?
    brape minimum salary yg. memampukan saya memiliki civic 2.0?

    thanks~

  60. mybestcardealer October 19, 2010 at 9:36 am

    Interest can go as low as 2.88% but it still depends on your financial records. Minimum basic salary usually must be 300% more than the monthly installment. The higher the better, but that’s just an estimation used by most of the dealers. (Example only) Let’s say your monthly installment is RM1,200, your basic salary must be somewhere at least RM 3,600. Otherwise, guarantor is needed.

  61. sarah October 29, 2010 at 5:13 pm

    i nak tau klu gaji basic RM2K…blh ke amik kete satria neo CPS…nw interest brp?…should i buy nw?…o wait until next year tggu interest jatuh?…o interest akn naik lg

  62. Ben November 4, 2010 at 11:22 pm

    hi there,

    I’m planning to get a saga se a/t price at RM 44548. Downpayment will be 5k. Looking at 9 years loan. My basic salary is rm1200. Allowance is rm1000. Total 2.2k. Both are stated in the pay slip. Jst started working less than 3 months and I have offer letter as proof. Bank balance not much so I guess the 3 months statement they want won’t help. And i don’t have a guarantor. Is it possible for me to get loan? If I pay more downpayment (let’s say 7k), will it be easier to obtain loan for my case? Please advise.

    • mybestcardealer November 6, 2010 at 10:09 am

      Hi there, you can apply a loan under graduate scheme with slightly higher interest and this way, you won’t need to provide a guarantor (provide your dip/degree certificate). Larger amount of down payment is always preferable by the bank and you might want to do that in order to get easier loan approval. Call En. Ihsan, our Perodua Star Club (Top) Dealer at 019-3559448. Let us know if you have any questions.

  63. mok November 5, 2010 at 4:43 pm

    HI,

    I’m looking for a brand new car next year end (either Vios/ City, forte..1600 cc below).

    Currently i have house loan and personnel loan that need to be settle for quite some time.
    I just need to know what will be the interest rate like for loan of 7 & 9 years for these cars? Also, do they offer full loan? (will not be able to collect 10% in short time)

    What is the requirement to get full loan in order to get the car?

    • mybestcardealer November 6, 2010 at 10:03 am

      Hi,

      You can click here for more info on financial part: http://mybestcardealer.wordpress.com/2010/11/06/monthly-installment-calculator/

      I can’t promise what the interest rate is gonna be in the future but now the interest rate falls between 2.8-3.++ (%) for Honda and Toyota. However it still depends on your documents. If you need to get a full loan, you might want to provide us your document before we can tell you what to do. If your salary doesn’t meet the requirement, you can apply for joint income loan with your wife or find a guarantor, whichever works best for you.

  64. Ben November 6, 2010 at 10:19 am

    I didn’t further my studies so I do not have a degree/diploma. Please advise.

    • mybestcardealer November 6, 2010 at 10:32 am

      Interesting. It’s kinda hard for your case but for now, all you can do is try to apply for the loan.

      Submit your document to us and we’ll apply it for you. Call En. Ihsan at 019-3559448 and he’ll explain everything for you.

  65. NABILA November 8, 2010 at 10:16 am

    HI..BASIC SY 1000 DAN SETELAH DICAMPUR DGN OT KEBIASAANYA SY AKAN DAPAT 13++ KE 1600 SBULAN.SO LAYAK KE SY NAK BELI I10 I INSPIRE..TQ

    • mybestcardealer November 15, 2010 at 12:25 pm

      Kami perlu mendapatkan maklumat lanjut tentang status pekerjaan cik/puan bagi menjawab soalan tersebut. Jika cik/puan baru mula bekerja lebih kurang daripada setahun, penjamin akan diperlukan.

  66. alann November 8, 2010 at 1:23 pm

    boss,

    if i wanna buy a new car (honda), how long usually i can get my car?
    i meant that do i need to book 1 or 2 month before i can get it?

    thanks~

    • mybestcardealer November 15, 2010 at 12:15 pm

      Hi,

      Thank you for your interest, and sorry for the late response. It really depends on the car model and colors but usually it will take at least 1 month for Honda and an early booking is highly recommended.

  67. Ann November 10, 2010 at 2:25 am

    Hye,sy ingin membeli kereta Honda Jazz/Suzuki Swift tahun 2003-2004,boleh ke loan smpai 9 tahun jika kereta tersebut RM50-60K..Tq

    • mybestcardealer November 15, 2010 at 12:08 pm

      Hi, minta maaf diatas kelewatan ini. Bagi menjawab soalan tuan/puan, selalunya ia tidak menjadi masalah untuk mendapatkan loan sehingga 9 tahun tetapi ia bergantung kepada record account bank tuan/puan sendiri.

  68. king November 16, 2010 at 1:51 pm

    i would like to ask what is the minimum salary for the loan 49 k….

  69. zie November 17, 2010 at 4:31 pm

    i’m interested with viva elite (metallic) -Rm40900.
    what is the current interest rates for now(nov 2010) for 7 years?
    any promotion for this month?
    can i apply for 0 d/p loan? fyi, i am a gov servant with basic salary-rm 1900

    tqvm

    • Mybestcardealer.com November 21, 2010 at 2:54 am

      Yes, you may eligible to apply a car loan from bank rakyat if you re thinking og getting a full loan. I call me directly to discuss on the promotion and i would answer any questions that you jave.

  70. epuul November 17, 2010 at 10:51 pm

    hi, I want to ask interest for Suzuki Swift cars in 2005 and month of the car. This car may make loans up to 9 years, can or not? My monthly salary of between RM1600 to RM2000 plus overtime and allowances fixed. basic salary of RM950. I work less than a year and have no other liability, because I still live with the family. tQ

  71. nazri November 18, 2010 at 11:09 pm

    hi, i m looking for second hand toyota avanza 1.3. what is the interest rate for this model?

    • Mybestcardealer.com November 19, 2010 at 11:56 pm

      Hi,

      Interest rate for used car may vary depending on the bank and the loan tenure. Also, your bank statement will also be taken into account. Frankly speaking, the interest rate may fall in between (2.8-3.2%) + (1.0-1.5%).

  72. Eunice November 19, 2010 at 9:14 pm

    I’m planning to buy a new Viva 1.0. May I know the current car loan interest rate?
    Thank you.

  73. mas November 30, 2010 at 9:07 am

    saya becadang untuk membeli vios 61 k dari car owner masalahnya saya menjual kereta saya kepada used car dan saya bercadang semua loan diuruskan used car , boleh cadangkan kedai yang boleh buat urusan jual beli begini sekiranya sya bayar 17k deposit monthly nya berapa ?tempoh bayaran 7 tahun

  74. Daniel November 30, 2010 at 12:21 pm

    Hi,

    I’m interest to buy a car – My basic is RM2400 + OT about RM 3500 ~ RM3800 / mth.
    I’ve house loan about RM 500 & personal loan abt (RM550 for 5 years.)

    I prefer to buy Honda civic 1.8. How much is the interest rate & monthly payment for 9 years. Deposit will be 10%. Please advise which car is most worth for me if plan to sell later. Looking foreign car.

    Thank you.

  75. suzy December 3, 2010 at 4:04 pm

    hi, i want to trade my car n plan to buy Honda City E type.

    car: Perodua Kelisa (A) 2002
    total loan balance with interest (Nov’10): RM16,000
    interest rate:4.75%

    what’s the value of my current car (Kelisa)?
    if i want to pay 10% down payment & loan 7@9 years for Honda City E, how much will i pay monthly?

    Thanks

    • Mybestcardealer.com December 7, 2010 at 9:24 am

      Your car outstanding balance is definitely high compared to its market value. Can you please call directly me to inquire for your Kelisa’s market value? The interest rates for Honda Cars may vary and it’s better for you to see the difference of the calculations by yourself. You can calculate your monthly installment at: http://www.mybestcardealer.com/find-a-car/payment/

      Price for Honda City E is RM 90,480. Interest rates may be in between 2.7%-3.1% for 7-9 years. Call me if you are interested to purchase the car! Look forward to hearing from you soon.

  76. hud December 7, 2010 at 1:41 pm

    hi…
    with basic RM1.9k,can i get proton saga M-Line (AT)?
    can i apply under graduate scheme? almost 1years i finish my study?
    i need guarantor or not.. if i don’t want guarantor how the step? do i need put some deposit & how much

    • Mybestcardealer.com December 7, 2010 at 2:38 pm

      With your basic salary, yes it is possible. If you applied for the graduate scheme, you don’t need a guarantor. It’s always better to pay some portion of down payment and we always recommend our customers to do that. Call me if you are interested. Call me, submit documents, loan approved, stock available, and you are good to go! :) 019-3559448

  77. Fran December 10, 2010 at 12:12 am

    hi
    i am interested to purchase toyota altis 1.8 any special offer

    regards
    Fran

  78. lu December 10, 2010 at 9:34 pm

    Hi,I m interesting to buy Myvi 1.3 (M) SE RM53000.My basic salary is RM3000.Just working for a half year.I plan to pay RM1000 for the deposit.Am I eligible to get a full loan?I don’t have any personal loan except PTPTN.is it ok?

    • Mybestcardealer.com December 13, 2010 at 6:05 am

      Hi,

      You have two options to apply for the loan application. First is through graduate scheme and 2nd is through normal application (requiring a guarantor). Interest rate for graduate scheme is slightly higher. To answer your loan eligibility question, i might need to talk with you on the phone because you might get confused. Feel free to call me at 019-3559448 if you are interested to purchase.

  79. Interest Rate Promotion 2010-2011 « Malaysia Car Dealers December 12, 2010 at 10:37 am

    [...] HomeAbout UsContact UsInterest RatesOur ServicesTestimonialUsed Cars [...]

  80. jana December 13, 2010 at 11:43 am

    I’m planning to buy a Honda City E Spec.
    Can i know the current promotion available & what is the maximum cash discount can i expect ?
    I’m planning to take a loan of RM50k for 9 years.
    What is the best interest rate i can expect & what will be my monthly installment for 7 or 9 years.
    My pay is RM3200 and my current house loan installment is rm800/mth.

  81. Charlie December 13, 2010 at 12:04 pm

    Hi there. I need to a get a car soon and was thinking between Inspira and Triton. It’s an uncalled circumstances and I’ll only be able to put down payment about RM2500 – 3000.

    I know proton allows zero down payment option but with interest rate between 3.45 – 3.75 according to the tenure (5/7 or 9 years) whilst I assume Mitsubishi gives out lower interest – 2.8%?

    Would you know if I could also get zero % down payment from Mitsubishi with a good interest rate?

    My basic is about 3.5k but with commissions on a monthly basic – on average my take home is about 4.5k – 6.5k.

    Do you have any recommendations? i.e. between the 2 cars or any other cars? or a best interest rate I could possibly get out there with a low down payment?

    Appreciate your thoughts on this.
    Thanks

    • Mybestcardealer.com December 16, 2010 at 1:37 pm

      Based on our experiences, the buyers would compare Proton Inspira with Toyota Vios, Honda City and Naza Forte. These cars fall in the same segment and it’s easier to differentiate them one by one. Sooner or later, it all comes down to your preferences in term of budget and design. If you have read our latest entry on interest rate offered for Proton, RHB Bank could offer you as low as 3.65% for 9 years loan and cheaper rate for shorter duration. One thing that you should keep in mind is that the trade in value of your purchase car. Which model would depreciate more than another. Hope this will give you some idea.

  82. sham December 15, 2010 at 12:27 pm

    Hi Bro,

    My basic is RM 3k plus OT about RM 3500. I’ve housing loan about RM 500 already
    5 years im paying housing loan “payment good no any pending”. Now plan to buy car with 20k deposit. For time being this two car in my mind, did i need any guarantor ?
    Is this car worth if sell later? plz share your information

    Honda – 1.8 – Loan 9 years = Monthly ? Interest ?
    Kia Forte – Loan 9 years = Monthly ? Interest ?

  83. ema December 15, 2010 at 5:46 pm

    sy nak tanya, berapa interest utk kereta 2nd hand?

    • Mybestcardealer.com December 16, 2010 at 11:41 am

      Kami memohon maaf kerana tidak dapat menjawab soalan cik/puan kerana ia adalah terlalu general. Apakah model kereta yang bakal dibeli itu? Kebiasaannya, kadar faedah bagi kereta buatan malaysia adalah dalam linkungan 4-5% (berdasarkan tempoh pinjaman). Jika kereta buatan luar negara, ia nya dalam linkungan 4%.

  84. leana December 15, 2010 at 10:02 pm

    hai!
    i’m planning to purchase myvi 1.3L ez. i was started working on oct n my salary rm2200. how much the interest rate for 9 years with 0 d/p? can my loan easy approved?

    • Mybestcardealer.com December 16, 2010 at 11:36 am

      In your case, if you don’t have a guarantor, you need to apply for graduate scheme. The interest rate might be slightly higher and it’s not easy for you to get loan approval without paying down payment but we can try it for you. Submit your documents and we’ll see how it goes from that point, is it alright? Call me if you need more explanation and I would be very happy to assist you.

  85. Mybestcardealer.com December 17, 2010 at 11:03 am

    Salam,

    Bolehkah tuan mendapatkan maklumat tentang baki hutang kereta Persona tersebut? Dikhuatiri harga pasaran kereta tersebut jauh lebih rendah dari hutang kereta tersebut. Dan tuan perlu membayar perbezaan hutang itu. Ia tidak mempunyai beza yang besar jika trade in atau menjual kereta kepada used car. Kebiasaannya, trade lebih memudahkan proses pembelian kereta tersebut dan harga yang ditawarkan mungkin lebih tinggi. Tuan baru sahaja mula bekerja dan tuan perlu mendapatkan penjamin untuk membuat pinjaman.

    • pitt December 17, 2010 at 4:58 pm

      Terima kasih kerana reply.. Balance hutang utk kereta persona lebih kurang 36k lg.. kalau under skim graduan kene ade penjamin juga ke?

  86. jak December 19, 2010 at 11:56 pm

    sir,

    I planned to a get a car soon and was thinking Honda City Grade S. My net salary minus epf socso is RM2,050.00 and i didnt have any facility with the banks. So, is it possible to get financing to purchase that car if i put 10% d/payment? Seeking your advice. TQ.

  87. ila December 26, 2010 at 11:57 am

    hai,
    saya baru bekerja selama tiga bulan dengan gaji 1700. bolehkah saya mendapat full loan untuk beli viva elite auto. berapakah jumlah yang perlu saya bayar setiap bulan jika tempoh bayaran adalah 9 tahun? apakah perbezaan dari segi bayaran bulanan antara “0 downpayment” dan “Skim Graduan”?

  88. chy January 4, 2011 at 1:01 am

    I want to trade in my Gen2 (M) 04, financial loan balance is around 16k. I planning to buy a used Mazda 6 year 05, around 68k. May i know what kind of interest rate would be for this year 05 Mazda 6?

  89. athena January 5, 2011 at 1:11 pm

    Hi, I have a 2005 waja MT with OS RM30k. I would like to trade in with any of Toyota Vios, Honda City or equivalent. I have a very limited cash to put as d/p. Please assist or which of ur sales rep should i contact. Thanks.

    • Mybestcardealer.com January 5, 2011 at 2:37 pm

      The outstanding balance of RM30k? That’s pretty high and you might need to pay the difference if the market value of the car is lower than outstanding balance. In your case, we need to talk directly as we need to have all of your information to discuss further on this matter. Reach me at 019-3559448. Thank you for your time.

  90. athena January 5, 2011 at 1:16 pm

    Skim graduan tu apa? Macam mana nak apply? Apa kelebihannya? Thanks

  91. Balraj January 7, 2011 at 1:06 am

    Hi,

    My name is Balraj and I planned to buy Inspira 2.0 Premium. I’m working in Singapore with basic salary of SGD1885. Am I eligible to get the car with RM5K downpayment.

    Inspira 2.0 Premium and Honda Civic 1.8

    • Mybestcardealer.com January 10, 2011 at 2:08 pm

      Absolutely. You’re eligible for both cars and please send me your documents if you’re ready. The basic idea is that, if your basic salary is 3 times higher than the car’s monthly installment, you’re good to go.

  92. Priya January 8, 2011 at 4:25 am

    hi… saya ingin beli Myvi SE auto di Sabah. Berapakah harganya? saya merupakan kakitangan awam. ada ape2 special jika pekerja awam? :-)
    Berapakah downpayment yang perlu saya bayar?

    • Mybestcardealer.com January 10, 2011 at 2:01 pm

      Hi, sorry Priya. Pihak kami hanya beroperasi di kawasan sekitar Selangor dan Kuala Lumpur sahaja. Kami mencadangkan agar tuan berhubung dengan mana-mana salesman di kawasan tuan untuk maklumat yang lebih lanjut.

  93. spacecasy January 10, 2011 at 10:51 am

    Hi,
    Any idea on the latest interest rates for used cars?

  94. Bob January 10, 2011 at 10:43 pm

    Hye,

    My salary is rm 3500. I have a satria neo year 2008 which i would like to trade in to get a honda civic 2.0 fd second hand. can you please advise me if i am eligible to apply a loan for such car?

  95. Bob January 11, 2011 at 4:08 pm

    Hello,

    My Basic Salary is RM 3500 before deduction. Am i eligible to apply a loan for a Honda FD 2.0 second hand?

  96. dots January 12, 2011 at 8:06 pm

    Salam…
    Sy cadang nak bli viva elite solid auto..
    Gaji sy around 1k ke 1.2k..keje govt tapi kontrak..klau 0 d/p bleh ke klau nak wat full loan?

    • Mybestcardealer.com January 13, 2011 at 3:28 pm

      Wasalam, di dalam kes ini, saudara/i perlu mendapatkan penjamin bagi mendapatkan loan tersebut. Agak sukar untuk mendapatkan full loan bagi viva elite berdasarkan jumlah gaji yang dinyatakan dan penjamin anda perlulah mempunyai dokumen yang baik. Sila hubungi saya di 019-3559448 jika anda bersedia untuk membuat tempahan dan disertai dengan dokumen2 penjamin.

  97. Azam January 13, 2011 at 12:33 pm

    saya sedang mencari toyota wish recon xs..so nak tanya berapa interest loan bank terkini…
    basic 3k..downpayment 10% ..harga wish bout rm120,000

  98. Azraf January 17, 2011 at 6:00 am

    Hi There,

    I am planning to get the new 1.6SX 6 speed. Do you have any offer? If i settle for 9 years, what is the interest like? Which bank will you liaise with? Price OTR is 85800 if i am not mistaken. Please let me know the best interest rate.

    My Salary is 3.8k basic. I currently drive a wira aeroback year 2003 still got a few more years to go.

    Would appreciate if you could email me the details :)

    Thanks

  99. Cherry January 21, 2011 at 3:31 pm

    Hi,
    I wish to buy Toyota Vios 1.5J AT, how is the interest rate??

  100. Ahmad January 21, 2011 at 7:36 pm

    Hi, I want to buy new Honda City (Grade E)
    My basic salary RM1808.00
    My downpayment is RM30000.00
    Interest rate?
    Loan for 9 years or ….????
    What is the best option for me in the process of paying back loans?
    ___________
    Exora or City?
    two choice.. feninnnnnn…

    • Mybestcardealer.com January 24, 2011 at 3:22 pm

      Assalamualaikum,

      Thank you for your questions. The lowest possible interest rate at this time is 2.67% but we still need to have a look on your documents before we can make any further confirmations. The choices that you’ve are totally different in nature. Exora and City and you probably need to meet our sales advisor to discuss further on each cars. We would be very happy to assist you and call us if you need to schedule an appointment at 019-3559448.

      Thanks

  101. nana January 24, 2011 at 10:43 am

    I would like to buy Suzuki Swift 1.5 with 10% down payment how much do i need to pay monthly?for 7years or 9 years..can u help me with this?thx

  102. rin January 29, 2011 at 1:15 am

    hi there..
    I’m planning to buy a new car due to my health constraints where I’m switching to an automatic car,I have no probs in calculating the figure of the instalment. But i need your opinion on the interest rates of my desired car’
    I want to buy the new version of honda city V-Tec and I would like to know about the newest interest rate (of any banks) for the
    1. new car (manufactured in 2011)
    2. second hand car 2010
    3. second hand car 2009

    On top of that, I would want to trade in my myvi 1.3 SE 2009 (white &manual) Do you have any idea what is the selling price of this car currently?

    • Mybestcardealer.com February 10, 2011 at 12:20 pm

      Hi Rin,

      Sorry for the late response and your health is getting better now. The interest rate for a brand new Honda City is from 2.5% based on bank approval. However, the interest rate for second hand Honda City would fall within 3.5-4.5%. If you would like to trade in your Myvi year 2009, you might need to pay the difference if your the car’s market value is worth less than the outstanding balance of the loan. It would be best if you could contact me directly at 019-3559448 to discuss further on this matter. Thank you for your time.

  103. syam February 1, 2011 at 1:57 am

    sy nak trade in kereta sekarang proton persona 1.6A dark grey metalic tahun 2009..gaji bersih 3.5k…buat loan dgn bank islam 10 tahun, klu sy nk trade in dgn any kereta let say caldina, berapa monthly yg perlu dibayar sebulan dan juga berapa perlu dibayar kepada pihak bank?plx reply via email asap….tq bro!!

  104. seliparpink February 6, 2011 at 10:56 pm

    hye…i got iswara aeroback 2002 dah habis bayar…berapa market value kalau nak jual?i was just thinking samada nak beli vios AT……or honda city AT….d/p 10k..my net salary about RM1700 + RM900 (potongan utk simpanan ASB)….I’m a gov servant,working about 7yrs….berapa monthly utk 7 and 9 years installment,for both cars…pls….tq in advance…

  105. ida February 9, 2011 at 12:17 am

    hi, sy bcadang mbeli persona m-line auto metalic…gaji bersih sy rm1.9k…sy bru keje swasta dlm 6 bln.adakah sy layak buat full loan utk 9 thn & blh x kirekan mthly installment tanpa d/p or 5% d/p.sy x de ape2 komitmen dgn bank.

    • Mybestcardealer.com February 10, 2011 at 3:34 pm

      Salam Ida,

      Berdasarkan kes saudari, saya ada beberapa soalan utk dikemukan kepada pihak saudari. Saya cadangkan agar saudari menghubungi saya terus di talian 019-3559448 untuk mendapatkan maklumat lebih lanjut. Saya akan menerangkan segala proses pembelian dengan lebih terperinci jika saudari berminat untuk mengetahuinya dengan lebih lanjut.

      Saudari juga boleh mengira bayaran bulanan kereta tersebut di website official kami di http://www.mybestcardealer.com/find-a-car/payment/

  106. siet February 9, 2011 at 11:13 pm

    Hi..
    I interested in buying KIA Forte 1.6SX With 10kdeposit..I need to know what is the interest rate for KIA Forte? And how much I have to monthly?for 7years or 9 years? currently basic salary RM4500. Thanks

    • Mybestcardealer.com February 10, 2011 at 3:31 pm

      Hi Siet,

      So far, the lowest interest offered by the bank is from 2.5%. The rate would be based on your documents and eligibility. Based on your basic salary, we don’t think that you’d have any problems of getting low interest rates. Give us a call at 019-3559448 if you are interested. Set an appointment with us will be great!

  107. dekloahlia February 11, 2011 at 4:50 pm

    hai..im a gov servant..baru bekerja selame 2 bulan..sy bercadang membeli Myvi SE (auto). My net salary 2k+850(allowance)=2850. So with 3k deposit, sy nak tahu how much i have to pay monthly for 9 years and brape lowest interest rate i can get.

  108. sham February 16, 2011 at 4:12 pm

    saya nak tanya..saya nak trade in sentra sport 1.6 manual 2009 warna putih dgn livina 1.8.tolong ceritakan sedikit pada saya.saya tanya balannce pada bln january 2011 masih ada lg RM67000.

    • Mybestcardealer.com February 17, 2011 at 1:52 am

      Pihak kami kurang pasti tentang penerangan yang ingin diperjelaskan tetapi, jika tuan ingin trade in kereta tuan, tuan boleh menghubungi pihak kami di 019-3559448 untuk mendapatkan market value kereta tersebut. Jika tuan bersetuju dengan harga yang ditawarkan, pihak kami boleh melengkapkan proses seterusnya dengan berurusan dengan sales advisor kami dari Nissan.

  109. syikin February 18, 2011 at 1:07 pm

    Hi,

    Saya fresh grad dan akan mula kerja bulan 3 ni. Saya ingin beli kereta lama ’97 vitara sebab saya mmg suka dia comel. Tapi used dealership tu kata financing bank mmg tak bole sebab kereta lama sgt kene amik kredit interest 10%. Adakah dia nak tipu saya?

    Btw, gaji bersih start keje RM3200 and garantor saya cikgu no kredit problems.

    • Mybestcardealer.com February 21, 2011 at 3:07 pm

      Bukan, anda bukan ditipu. Kereta lama memang sukar untuk mendapatkan financing daripada bank dan kereta itu agak lama dan dikhuatiri kereta itu mungkin akan membawa masalah kepada saudari kelak. Kami tidak menyarankan agar pihak saudari membeli kereta tersebut dan jangan lupa tentang spare part kereta lama yang susah dijumpai pada waktu ini. Jika saudari telah membuat keputusan, tidak mengapalah. :)

      Selamat memandu kereta comel anda.

  110. khairul February 20, 2011 at 6:28 pm

    Hi there!

    I’d like to know the price for Kia Forte 1.6SX + Bodykit. Is the lowest interest still at 2.5%? And is that for 9 years loan? Let me know which bank offers the lowest rate too.

    One more thing, how long I have to wait for this model before they can deliver it to me?

    Thanks in advance for your help.

    • Mybestcardealer.com February 21, 2011 at 3:03 pm

      We have to check the price again for the bodykit. The last time check it was RM2k+ but the price may increase or decrease. The lowest rate is at 2.7%. To answer the question of how long will it take to deliver this model, it really depends on the color of the car. It might take 2-4 weeks after the booking has been made. The earlier the booking is made, the better. Just give us a call if you are interested.

      Thanks.

  111. daniel February 24, 2011 at 7:50 pm

    is that true government servant will have lower interest for the bank load? i would b government servant in 2 month time.. should i buy my new car now or buy after working? i plan to buy a Honda City (Grade E) with 40d/p and load for 3 year is that possible?.

    • Mybestcardealer.com March 1, 2011 at 3:51 pm

      Hi Daniel,

      Yeah, it is possible. However, what is the status of your current job? What is the basic salary for the future job that you’ll be offered? Please email us or call us directly at 019-3559448. Tq

  112. pavel March 1, 2011 at 1:40 pm

    Can give me the all price -> Kia Forte 1.6??

  113. roy March 4, 2011 at 10:20 am

    hello… saya nak tau interest rate untuk pinjaman kereta bagi kereta national dan non-national termasuk bagi kereta baru, terpakai dan recon…

  114. Aslan March 6, 2011 at 5:23 am

    Hi there,

    Im planning to buy a car. I recently started working and my starting salary is RM2200 not including OT, etc. Is it possible for me to buy a new Kia Forte 1.6 Sx? If I am eligible for that type of car. What are your suggestion for me to get a lowest interest rate and the suitable payment plan for me to pay for the car. Thanks

  115. virtua_listener March 8, 2011 at 5:43 pm

    Selamat ptg, boleh saya tau best price utk inspira 1.8manual dan auto dan brp interest sekali? Saya plan bayar utk 9 thn. Tq

    • Mybestcardealer.com March 13, 2011 at 1:47 am

      Selamat Petang.
      Proton masih tidak membuat sebarang promosi bagi model kereta tersebut dan jika tuan ingin mendapatkan promosi yang lebih baik dari pihak kami, disarankan agar pihak tuan menghubungi pihak kami dengan segera utk berbincang tentang perkara ini. Hubungi En Ihsan di 019-3559448

  116. David March 9, 2011 at 12:04 am

    Hi , i’m planning to buy a second hand kancil 660 gx make 2006 year , is posible to apply loan to buy this car ? thank u

  117. MAGES March 9, 2011 at 10:55 am

    I am 54 years old. I want to buy a VIVA (any type but Auto). Am i still eligible for a car loan. My Salary is RM1500. My down payment will be Rm7000.

    • Mybestcardealer.com March 13, 2011 at 1:39 am

      It would be great if you could apply a car loan for less than 9 years. Below 7 years is much better and are you planning to retire soon? What’s your current job at this moment? It would be great if you could provide a guarantor i.e your son.

  118. Fiz March 13, 2011 at 2:43 am

    as salam..
    saya bermint dgn civic type r..DP dalam 70k..berapakah interest rate? dan bolehkah saya mendptkan bayaran bulanan bawah 2k per month? kalau boleh minta tolong nyatakan kiraan..dan sy xberapa phm dgn loan period tu..tolong jelaskan

  119. Derus March 26, 2011 at 8:41 pm

    Salam, saya tengah pening nak pilih antara persona atau myvi. saya kakitangan GLC. gaji bersih dalam RM 1900. tiada commitment lain. lepas tak nak amik persona basic auto atau myvi EZI tanpa ada guarantor. Ermm..antara 2 kereta ni mana yang lebih bagus. tq.

    • Mybestcardealer.com March 28, 2011 at 2:08 pm

      Wasalam. Perbandingan antara myvi dan persona memang sangat jauh beza nya. Engine myvi 1.3 dan semestinya cost maintenance lebih murah berbanding persona. Jika tuan audah berumah tangga dan mempunyai anak, dinasihatkan agar tuan membeli persona. Ramai customer kami yang berpuas hati dgn proton persona dan tidak kurang nya dengan myvi. Pengeluaran myvi model lama akan dihentikan pada bulan ini dan diharapkan tuam dpat membuat keputusan yamg lebih cepat sementara stock masih ada.

  120. SY March 27, 2011 at 3:50 pm

    Saya bercadang untuk membeli new Honda Civiv 2.0S tahun ini, berapa interest rate utk loan 9yrs dpayment rm 15K. Base salary rm6500

  121. wan March 28, 2011 at 3:13 pm

    hai..i would like to know how much i need to pay monthly for new suzuki swift 2011?loan for 9 years and also its latest interest rate..thanks for your cooperation…^_^

    • Mybestcardealer.com April 7, 2011 at 2:25 pm

      Hi wan, thank you for using our online services. However, we don’t have any Suzuki dealers who are working with us and you may want to visit the nearest Suzuki dealership to find out about the info.

  122. Derus March 28, 2011 at 11:51 pm

    Ermm..skrg ni ada promosi interest untuk persona kan..2.58%..ke hanya untuk golongan tertentu sahaja…kalau d/p RM 3000…perlukan sy kena ada guarantor?tq

  123. nurlia March 29, 2011 at 1:11 pm

    hi,
    gaji bersih sya rm2400/mnth. utk bajet rm700 sebulan, dwnpayment rm7000+ kereta apa yg affordable utk sya?
    t.kasih.

    • Mybestcardealer.com March 29, 2011 at 11:11 pm

      Hi, adakah saudari prefer auto atau manual? Pihak kami mencadangkan agr pihak saudari mendapatkan proton persona/ toyota vios/ naza forte. Jika honda city, anda perlu mempunyai penjamin dan bulanan sekitar 9++.

  124. TheDJisSam March 29, 2011 at 9:44 pm

    Greetings, I plan to buy a Toyota Vios J Manual with 14k d/p, my salary 2.5k/per month, do you think I can get loan approval from bank? Thanks!

  125. zack April 1, 2011 at 1:05 am

    sy kerja gomen tetap & berpencen, gaji kasar sy rm3500/bulan, setelah tolak segala potongan tinggal bersih rm1700, layak x sy nak ambik proton exora Hline dgn d/p 10%.

  126. ashraf April 1, 2011 at 12:02 pm

    Hey man,
    I’m interested in buying my first car.
    Top choice, Forte EX. With salary 2.5k and downpayment around 4k, u think i can get a loan for 9 yrs and hopefully no guarantor needed?I have no other loan and i have a good credit rating from my cc.
    Bank never call me carik gaduh.hahah.

    • Mybestcardealer.com April 1, 2011 at 1:04 pm

      Hey Ashraf, how long have you been working? It should not be a problem if you have worked more than a year. If you work under government or GLC, it would have an advantage. Call me if you have made up your decisions. My phone number is 019-3559448.

  127. ashraf April 1, 2011 at 2:36 pm

    Been working for over a year at two places. Now just 3 months coverted to permanent at Scope International(Standard Chrtered sub). My decision pretty much made. Just need to save up for downpayment which about 50% more :(
    May i ask, is there any showroom i can visit? My location is Setiawangsa,KL.
    And is it arrangeable if i want my plat # from Melaka (M)?

  128. ashraf April 1, 2011 at 5:48 pm

    From your Loan Affordability Calculator, i find it quite helpful. And bitter pill to telan oso…seems like i cannot afford to buy Forte EX with my salary and proposed downpayment..BUMMER!!
    Maybe for another 1 year perhaps..Now better stick to riding my bike :(

  129. Aftab Ahmad April 4, 2011 at 9:24 pm

    I am planning to buy a Honda Accord 2007. I called few banks today. I have been offered the best interest rate as 3.3% for 7 years. Can I get better than 3.3% intrest rate? I am planning for 85% loan. Salary wise I am quite fine, 9K.

    Also , wants to sell my wira 1.5 A/B (2007 Sep) Auto. What kind of price can I get?

    • Mybestcardealer.com April 7, 2011 at 1:22 pm

      That’s really a good deal for you actually. It’s mainly because of your high salary that would drive down the rate of interest. You didn’t tell us which banks that you’ve called. Have you contacted RHB Bank?

  130. Reek April 4, 2011 at 11:53 pm

    What’s the interest rate for Honda Accord & Toyota Camry.. 7 yrs & 9 yrs. Thanks.

    • Mybestcardealer.com April 7, 2011 at 1:20 pm

      As for now, it should be around 2.6-2.65% depending on your documents. If you have strong financial documents, you may not have a problem to get a lower interest rate. Let us know if you are interested to purchase your new Honda or Toyota with our agents. Thank you.

  131. Aliza April 6, 2011 at 2:07 pm

    i’m interested to buy a second car for my first car.i’m choose perodua kancil as a my first selected to i buy,because the price is more cheap & item for maintenance easy to get.My problem is,my basic salary is around rm1500(private comp),no ot n allowance.Recently,i see my dream car,n already too buy kancil(2004),auto tranmission,850cc.The price is 16k,d.pymnt 1k,n 264rm (per month)for seven years
    The prob is my range salary not suitable to do loan car..i need have a guarantor for do my loan car?that is true???help me

    • Mybestcardealer.com April 7, 2011 at 1:18 pm

      Yes, you need to have a guarantor because of two main reasons. Firstly, you’re working in a private company and 2nd maybe, you just started your career (we presume). If you have worked at least more than a year, then it may not be a problem. What i would suggest you to do is to find any of your family members or relatives who are willing to be your guarantor. Or if you’ve married, you can apply for a joint income loan. Let us know if you still have a problem. Tq

  132. man April 6, 2011 at 5:53 pm

    Assalammualaikum dan selamat ptg
    Sy amat berminat utk membeli sebuah proton exora M-line, A/T, metallic
    sy telah bekerja swasta selama 10 thn. pendapatan bersih sy setiap bulan (gaji pokok + elaun) adalah sebanyak RM2300.00
    Komitmen yang perlu sy jelaskan setiap bulan; RM360 untuk rumah dan RM110 untuk insuran anak.
    Soalan sy; adakah sy perlu menyediakan penjamin utk membuat permohonan pinjaman?
    Tempoh pinjaman sy adalah 9 thn dan jumlah pinjaman yg sy akan mohon adalah 90%. (10% adalah downpayment)
    sekiranya permohonan loan sy memerlukan penjamin, apakah option lain supaya loan boleh approved tanpa menggunakan penjamin? (leceh utk mencari penjamin)
    sekian, terima kasih

    • Mybestcardealer.com April 7, 2011 at 1:13 pm

      Waalaikumussalam. Soalan yang cukup menarik. Berdasarkan maklumat yang diberikan, bank akan hanya melihat gaji bersih tuan tanpa mengira elaun bulanan dan tuan perlulah mempunyai penjamin. Sebagai alternative, jika tuan mempunyai isteri yang sedang bekerja, tuan boleh memohon joint-income loan bersama isteri untuk mendapatkan pinjaman yang lebih mudah. Sila hubungi saya untuk mendapatkan penjelasan yang lebih lanjut tentang maklumat seterusnya di 019-3559448.

  133. nan April 7, 2011 at 7:49 pm

    assalammualaikum dan selamat petang
    saya berminat hendak memiliki kereta honda city secondhand dan toyota vios(at)…gaji saya basic rm1400 dan bersih dalam rm 12++…kadang-kadang gaji bersih saya boleh melonjak naik ke rm19++…saya nak buat full loan dan penjamin saya adalah ibu saya yg berkerja di sektor awam…saya ingin kereta yg dalam lingkungan 2004-2005….layak kah saya untuk memiliki kereta tersebut..terima kasih.

    • Mybestcardealer.com April 9, 2011 at 10:04 am

      Waalaikumussalam. Bagi soalan seperti ini, pihak kami perlu mengetahui jumlah pinjaman yang ingin dilakukan. Berapakah harga kereta secondhand tersebut? Adakah tuan baru mula bekerja kurang daripada setahun?

  134. cliff April 9, 2011 at 4:03 am

    hi..sy bminat utk mbeli my first car Saga FL Exclusive Auto kaler putih…sy kerja guru dgn gaji rm2.2k n tiada komitmen…
    soalan sy,brp sy perlu byr bulanan utk keta ni dan apakah option sy utk dapatkan interest yg paling rendah.perlu deposit atau tak perlu?adakah sy perlukan guarantor?adakah saga berbaloi utk dibeli berbanding myvi/viva?sy dengar enjin saga banyak problem,adakah itu betul?sy tak nak menyesal lps beli..dan sy nak kaler putih metalik.agaknya,brp extra kos utk spray metalik di proton atau bengkel lain?

  135. Eric April 13, 2011 at 5:41 pm

    Hello! Am interested to buy a new Hyundai Sonata.
    What’s the interest rate for RM100K loan for 1yr, 2yrs, 3yrs, 4yrs or 5yrs? Thanks.

  136. Oliver April 13, 2011 at 9:37 pm

    Hi, what’s the interest rates for perodua cars now in april 2011? and which bank offers the lowest interest rate for loan? thank you

  137. drspy25 April 13, 2011 at 11:10 pm

    hi i want to buy a used 2009 audi with a 90% bank loan. what are the best interest rates out there for 9 years for a loan 225k? i’m a doctor earning about 10k.
    how does a bank calculate how much car loan a person is eligible for?

  138. kmr April 14, 2011 at 11:38 pm

    If my salary is ~1500 and wanting for apply for a 80k car loan, installment is 900++. I dont meet the installment x 3 requirement for loan approval, can i get a guarantor with 3k salary to get it approved? i have other source of income but unable to declare as its a side business…..what are my chances,?

    • Mybestcardealer.com April 17, 2011 at 2:10 pm

      It’s very hard for you to get the loan approval. The bank will always look at your basic salary first, but if you have enough savings, and the transaction of the side business incomes are recorded in your bank statements, it should be no issue. But, you need a guarantor for your case.

  139. shahid April 16, 2011 at 3:15 pm

    HI,

    sy berminat untuk membeli Alza premium auto, dan saya bercadang untuk apply full loan melalui graduate scheme (0 d/p), basic salary 2300, dan saya sudah 7 bulan bekerja. boleh sy tahu smada sy layak n brape monthly installment? kalau boleh sy nk tahu juga monthly installment untuk persona 1.6 h-line.. thanks

    • Mybestcardealer.com April 17, 2011 at 1:51 pm

      Berdasarkan maklumat yang diberikan, saudari perlulah menyediakan penjamin untuk mendapatkan skim pinjaman ijazah. Antara sebab-sebabnya adalah, saudari ingin membuat full loan dan saudari baru mula bekerja kurang daripada setahun. Interest rate bagi skim ijazah akan berada dalam lingkungan 4.1-4.3%.

      Proton Persona H-Line
      Price: RM59,599
      D/payment: RM0/=
      Monthly: From RM 75+

      Perodua Alza Premium :
      Monthly from RM 80+

  140. rina April 17, 2011 at 2:24 am

    hi..saya sudah membeli kereta vios type E 1.5 setahun yg lalu dan membuat loan dgn sebuah bank dgn nilai intrest sebanyak 3.3%.downpayment sebanyak 15k dan bulanan rm873.boleh ker saya menukar loan saya kepada toyota capital untuk mendapatkan rate interest 2.XX ?dan berapakah bayaran bulanan saya sekiranya dapat berbuat demikian?

  141. Oliver April 17, 2011 at 7:18 pm

    HI,

    actually my age is a factor. im only 20yrs old. :) but income wise monthly average im getting roughly around RM2.5k.

    can u let me know which bank actually will approve loan with my this amount of income coming in and how much is the interest. my deposit for perodua viva elite auto 1.0 will be estimate only RM634. :)

    any advice for me? thank you

  142. Oliver April 17, 2011 at 7:20 pm

    and i dont have anyone to be my guarantor :)

  143. kaizou April 18, 2011 at 9:50 pm

    Bro, handset unreachable. serious boleh dapat loan rate 3.5% utk 9 years? Proton Saga FL executive Manual Solid.

  144. bing April 27, 2011 at 5:50 pm

    Hi bro, may i know what is the minimum down payment for myvi ezi 1.3?

    • Mybestcardealer.com May 1, 2011 at 2:23 pm

      Hi, no specific answer to that unless you provide us your documents so that we can check the max loam that you are eligible to make. Call me at 0193559448 if you have any questions or if you need further assisstance.

  145. wanchoonong May 1, 2011 at 1:51 pm

    cuma nak tanya, interest rate untuk kereta luar negara kenapa lebih murah?

    • Mybestcardealer.com May 1, 2011 at 2:21 pm

      Hi, actually this question should be answered by the bank. One of the argument is that, bank will be risk averse to loan out money to the low/middle class income people. The risk is taken into account in this matter. The probability of these group not being able to pay the loan is higher and therefore they would increase the premium. Others would say the imported cars tax is higher, so they provide lower interest for it.

  146. wanchoonong May 1, 2011 at 2:11 pm

    then, if i buy a car under 2 person name (me and my wife). The bank will consider the loan for our sum salary or only 1 person??

  147. zan May 2, 2011 at 7:27 pm

    berapakah interest jika saya ingin beli honda city sekarang? dan bank manakah yang offer interest yang rendah itu? terima kasih

  148. kevin May 2, 2011 at 8:09 pm

    hi, i would like to buy saga fl executive, i would like to know how much is the rate for the loan and have any rebate?

  149. raj May 3, 2011 at 9:57 pm

    hi.. if I would like to but saga FL, and take loan only 19k (after selling my previous car), what is the best interest rate that i can get? thankss

  150. raj May 3, 2011 at 9:58 pm

    and its 5 yr loan… or is there 3yrs???

  151. ollie May 8, 2011 at 2:02 am

    hello. im thinking of getting a brand new honda city. whats the best interest rate at the moment?
    My salary is 3,200/mth. Incentive 8-10k (every quarter of the yr). pls advise.thx

    • Mybestcardealer.com May 8, 2011 at 2:31 am

      As for now, the lowest interest rate is at 2.64%. Submit your documents to us and we’ll proceed to the next step once the you the loan is approved. You have to wait at least 2-3 months to get your car delivered and we advise you to make an early booking. Call us at 019-3559448 if you need to set an appointment.

  152. rosnizam hamad May 23, 2011 at 9:41 am

    sy ingin membeli honda city s class pada tahun hadapan..kereta pertama
    basic salary sy setakat ini adalah rm2345/month…
    komitment setakat ini
    motosikal – rm163/month
    card credit – rm700/month
    bil2 laen – rm100/month
    asb loan – rm200/month
    downpayment kereta – rm8000.
    soalan sy:
    adekah pembayaran kad kredit termasuk dlm komitment?
    ada masalah x dengan urusan pinjaman bank jika basic salary sebyk ini?
    patutkah sy membeli city?

    • Mybestcardealer.com June 2, 2011 at 10:58 am

      Salam Rosnizam,

      Berdasarkan maklumat basic salary yang telah dikemukakan, saudari perlu mempunyai penjamin untuk membeli kereta tersebut. Kebiasaannya, pihak bank akan melihat jika basic salary anda adalah tiga kali lebih tinggi berbanding bayaran bulanan tersebut. Anggaran bayaran bulanan kereta tersebut adalah RM1,000 sebulan (9 tahun pinjaman) dan seelok-eloknya basic salary anda perlulah sekurang-kurangnya RM3,000. Kami mencadangkan agar saudari cuba mencari pilihan kereta yang lain yang berada dalam lingkungan RM60,000.

  153. kid May 24, 2011 at 1:08 pm

    hi,

    saya nak tanya,kalau gaji basic saya rm1200 bersih dalam 1000 lepas tolak epf,saya nak beli kereta proton saga fl dan down payment 0.bole ke?

  154. bala May 24, 2011 at 2:30 pm

    Hi, my basic salary wud b RM2500, 24 yrs old grad working less than a yr.. well im thinking of Naza Forte or Toyota Vios for 9 yrs. I dont have any other loans. Can pls advise me on the most least/ lowest dwn payment & monthly installment?

  155. aina May 26, 2011 at 2:03 pm

    nak tau interest rate proton ezora yang latest…booking brape lama??igt nak pakai b4 raya aidilfitri…bole ke dpt cpt?.

    • Mybestcardealer.com June 6, 2011 at 12:37 am

      Interest rate yang latest boleh lihat di sini: {http://www.mybestcardealer.com/latest-car-loan-interest-rate-proton-perodua-2011/} Stock bergantung kepada model yang saudari berminat, auto/manual, dan warna. Saudari boleh hubungi pihak kami di 019-3559448 untuk mendapatkan maklumat lanjut tentang stock availability.

  156. hessa May 27, 2011 at 10:30 am

    hi,
    Im thinking of buying a car and i have to types in view. Either Kia Forte or Mazda 2 sedan. With a down payment of 10% or rm10k. What is the lowest interest rate i can get. My nett salary per month is rm2700.

    • Mybestcardealer.com June 6, 2011 at 12:35 am

      Hi Hessa, there is a quite few models for both Naza Forte and Mazda Sedan. It would be great if you specify the exact model. Please visit Mazda 2 Page: {http://www.mazda.com.my/mazda2/prices.aspx}
      or {http://www.mybestcardealer.com/naza-forte-for-sale/}. The interest rates fall between 2.96-2.98%. Could be lower if you have outstanding financial record. Call us at 019-3559448

  157. eliza May 31, 2011 at 4:19 pm

    HI, I PLANNING WANT TO BY MY 1ST CAR IS PROTON SAGA FL FOR STANDARD ONE.IF I TAKE FULL LOAN,HOW MUCH MY MONTHLY PAYMENT FOR THAT CAR.

    • Mybestcardealer.com June 2, 2011 at 3:02 am

      Do you prefer auto or manual? We also need to look at your basic salary info to find out if you are eligible to get a full loan for this model.

      Full loan @ interest rate 3.83% with 9 years tenure (could be higher since you’re applying for a full loan)
      Standard (Manual) : RM 468 /=
      Standard (Auto): RM 504 /=

  158. rosnizam hamad June 2, 2011 at 9:12 am

    not even answer my question

  159. yan mohamad June 3, 2011 at 10:09 am

    saya berminat dengan saga blm tp gaji bersih saya cuma rm1200 dan d/payment 10%…rase2 en/cik layak ke memiliki nyer…..

    • Mybestcardealer.com June 5, 2011 at 11:55 pm

      Tiada masalah jika saudari mempunyai penjamin. Jika saudari sudah berkahwin, saudari boleh apply for joint income loan bersama pasangan. Lebih elok jika saudari menyediakan dokumen-dokumen penting untuk kami serahkan kepada pihak bank untuk mengetahui jika saudari layak atau tidak. Call En. Ihsan di 019-3559448.

  160. shaun sarawak June 5, 2011 at 4:22 am

    hi there, i find this site’s admin to be very proactive in helping its customers. :)

    and i have an inquiry too:

    i am starting work soon as a housemen. with expected pay of roughly 4000/mth. i am planning to get myself a non-national 1st car if it’s possible. what car/price range do u advise me to get? with a d/p of 8000. and a maximum monthly payment of 800 for a preferably 7-8 years loan.

    and i might be based in JB. i don’t know how it works, but i can buy a car from u even if i am in JB right?

    thank you so much for your time mr. admin

    • Mybestcardealer.com June 5, 2011 at 11:52 pm

      Hi Shaun, thanks for the kind words. You can use our affordability calculator to find out the maximum loan you should get at: {http://www.mybestcardealer.com/find-a-car/affordability/}

      D/payment: RM8,000
      Monthly: max RM800
      Loan: 96 months (8 years)
      Maximum Car Price: RM70,000

      It’s hard to find a non-national car that is priced below RM70k. Your option could be either Hyundai i10 or Kia Picanto. If you are willing to go for 9 years loan, and pay extra RM100 per month, Toyota Vios or Naza Forte could be your other options.

  161. Ken June 5, 2011 at 12:51 pm

    Hi, im 21years old, my basic salary RM 1,600.00 and i am planing to get a Hyundai i10 Auto 1.25 Kappa High Spec, with 0 downpayment and 9 years loan period, is it possible for me to get the approval for bank?
    From your previous comments, bank is considering my salary is 3 times of the installment, so these are my calculation :-
    Price : RM 51,178.80
    Loan interest : 3.03%(based on this website provided)
    Monthly instamment : RM 604.09

    Please comments.

    • Mybestcardealer.com June 5, 2011 at 11:43 pm

      Hi Ken, considering your age which is now 21 years old, and you’re applying for a full loan, bank would require you to have a guarantor. Your basic salary minimum might be OK with the bank, but they may ask you to have guarantor. Interest rate might be higher if you go for a full loan, just so you know. Call us at 019-3559448 if you want to make a booking.

  162. ct June 5, 2011 at 5:07 pm

    hi..
    sy plan nak beli honda city s…basic salary saya 1980 plus elaun tetap 700 so total 2680,,saya plan untuk bayar 15 k for downpayment..dan sy tak de komitmen lain…keje swasta 2 tahun bekerja…berapa rate sekarang dan ada saya perlukan guarantor for my loan?

    • Mybestcardealer.com June 5, 2011 at 11:39 pm

      Salam, saudari perlu mempunyai penjamin bagi kes saudari. Bank akan hanya melihat gaji bersih saudari iaitu RM1,980 dan ia nya RM1,000 lebih rendah daripada basic salary minimum (RM 3,000) untuk memiliki kereta Honda City tersebut. Interest rate sekrang berada dalam lingkungan 2.96% (9 tahun) dan monthly installment mencecah RM 826 dengan down payment sebanyak RM 15k. Hubungi En. Ihsan di 019-3559448 jika saudari berminat untuk membeli kereta tersebut.

  163. Priya June 5, 2011 at 11:07 pm

    hi……i plan to buy car end of this year! i need to know price of viva elite n proton saga! and also…..abt the loan details! my salary is monthly RM 1200.00 n am i eligible to apply for 100% loan! advise me the monthly payment 100% loan n 90% loan monthly payment as well!

    Thanks!

  164. Ken June 6, 2011 at 8:55 am

    So i nid a guarantor huh…if i dint wan a guarantor, how much is the maximum car loan i can apply currently?

  165. noor June 7, 2011 at 1:45 pm

    berminat dgn saga fl 1.6..basic rm1.9k status contract dgn uni,d/p dlm rm7k..bpe interest rate leh dpt?ada problem dgn payslip, bln june je ade payslip..bole lulus ke loan?

    • Mybestcardealer.com June 7, 2011 at 1:53 pm

      Salam, saudari perlu mempunyai penjamin jika status contract. Selain daripada itu, mungkin tidak akan menjadi masalah. Lebih elok jika penjamin itu ada hubungan kekeluargaan dengan saudari. Jika saudari berminat, boleh lah terus hubungi pihak kami di 019-3559448.

  166. GOH June 7, 2011 at 5:16 pm

    Hi.. im from Klang. I would like to buy second hand car. Myvi, Viva or Saga which is most suitable? The most important thing is the car is saving on petrol. What is the interest rate for 2nd hand car? What is the qualification to apply full loan? Any promotion and 0% down pymt?

    • Mybestcardealer.com June 9, 2011 at 11:48 am

      We are not a used car specialist. However, we’d say that you may want to choose Viva to save the money on the petrol. There’s not much of a promotion for a second hand car but you should negotiate with the seller in order to get a better price. Full loan might not be possible, depending on the year of the car.

  167. balaram June 9, 2011 at 12:33 pm

    My basic is RM2700, 23 yrs old without any other loan..im looking at Honda City 1.5S, I know i need a guarantor for this. Is it possible if i pay RM7++ monthly installment and how much the least down payment i need to pay?
    Hope for a prompt reply.
    thanks

    • Mybestcardealer.com June 9, 2011 at 1:02 pm

      Yes, you do need to provide a guarantor. In your case, you need to pay at least RM 17,500 to push the monthly installment down to at least RM 800. Use our affordability calculator to find out about the calculation. Please use interest rate of 2.95-3.00%.

  168. naw June 14, 2011 at 10:40 pm

    hye..is the graduan scheme still avaiable for the new myvi?thanks..

  169. anonymous June 15, 2011 at 12:33 am

    may i know government servant car loan interest rate? for a new honda city… thanks:)

    • Mybestcardealer.com June 16, 2011 at 6:35 pm

      It’d be almost the same, but please refer to the interest tab based on the amount of loan you’re planning to get. Sure it’d be lower if you have better financial records. That would depend on the bank itself.

  170. idda June 16, 2011 at 2:10 pm

    may I know the interest rate for toyota prius for 7 years and years?

  171. izkandar June 19, 2011 at 8:49 pm

    hi.. i just wanna to know, i just saw at mudah.com 2nd hand BMW E46 318i (2006), RM 74 800.. may i know the interest rate for 2nd hand BMW car. n monthly payment for 9 years,

  172. Christopher Boreh June 20, 2011 at 6:28 pm

    Is it true there’s no more car full loans from bank with commence 15 June for Proton and Perodua car?

  173. Daril June 20, 2011 at 9:15 pm

    Hi,

    I’m planning to trade in a 10 year old Waja 1.6 for a Saga FL executive (RM 43289 OTR). What is my minimum salary to qualify for a 9 year loan? I am 29 years old.

    Thanks!

  174. agroseta83 June 20, 2011 at 9:35 pm

    Hi, boleh saya tahu berapa monthly installment yg harus sy bayar jika saya ambil vios J type (MT) dengan downpayment RM 15,000 n 9 tahun loan….

  175. girl June 22, 2011 at 11:29 am

    saya nak beli pesona m-line.basic rm 1200 + 200 allowance + OT. Bersih sbln Rm 1800 up.. more than 2 years experiance keja.swasta.so,lepas tak if i nak beli pesona m-line?

  176. Mr Jack June 22, 2011 at 5:11 pm

    Salam,

    Nk tanya psl 0 downpayment.Sy ada pegi satu showroom kereta baru2 ni..Sales tu bgtau yg gov sekarang dah ttpkan utk 0 downpayment kereta dah tak boleh bagi lg pd customer…Betul ke..?

  177. Shatia June 24, 2011 at 12:25 pm

    I want to get a mahindra scorpio year 2005, my basic salary is RM1500,
    Can i get the current market value, and the price range for the vehicle.
    Is it possible to get full loan.

  178. mani June 25, 2011 at 9:35 pm

    hi,saya berminat beli perodua alza 1.5L GH model,downpayment Rm15,000.00…monthly nnstallment saya kena bayar berapa ?….tq

    • Mybestcardealer.com June 26, 2011 at 7:18 pm

      The price for solid colour model is RM 60,490. Your monthly installment should be around RM 544 /= with the 15k down payment. The cash rebate promotion will be deducted from your 15k down payment. Call us for our promotion at 019-3559448. Thanks

  179. Emilyz June 25, 2011 at 10:19 pm

    Hai..saya baru kerja 4 bulan dengan one of big company in Malaysia. basic salary 4000. i plan to buy my first car. im interested to buy a compact car like myvi or honda jazz(i would go for second hand car). My budget is under 55k. what is your suggestion?anyway what is the lowest interest rate for 2nd honda jazz? Thanks.

    • Mybestcardealer.com June 26, 2011 at 7:08 pm

      Your basic salary is quite high as a fresh graduate and you may not have any problem applying for 55k loan. To be honest with you, I would say it is always better for you to purchase a new car, which is the Myvi. The interest rate will always be cheaper for a new car. One thing for sure. you don’t need to worry about any maintenance issue, and the car accessories are even cheaper when something bad happens. The interest rate for the 2nd hand Jazz could be at least 3.5-4% depending on the banks.

  180. chefmel June 26, 2011 at 1:57 am

    Is it possible to get an imported car (Suzuki Alto, Naza picanto) with zero downpayment?

    My pay is RM 3.5 K – 4K , Fresh grad, working 6 mths.

    • Mybestcardealer.com June 26, 2011 at 7:04 pm

      As a fresh graduate, you can apply for the fresh graduate scheme, but the interest rate is higher and to answer your question, yes it is possible. We only have NAZA dealer, not Suzuki. Call us if you are interested at 019-3559448.

  181. Dick June 27, 2011 at 9:15 pm

    hi, i would like to get a Forte 6-speed 1.6 around RM80000, my basic salary is RM6000.
    1) May I know possible to get full loan without guarantor?
    2) What is the interest rate for the full loan?
    3) Which bank will you recommend for the loan?

    Thank you!

    • Mybestcardealer.com June 28, 2011 at 11:54 pm

      Hi Dick,

      You may be eligible to apply for a full loan if you’re a fresh graduate, or if you are working for government/ GLC. Otherwise, you need to pay 10% down payment according to the new Hire Purchase Act that has been implemented recently. Your basic salary is impressively high and you may not have any problem. If you want to go for full loan, bank rakyat is the only bank that can offer you. If you are interested, contact us at 019-3559448 for more information.

  182. fais June 27, 2011 at 9:58 pm

    hai…sye merancang utk membeli saga FL 1.6…..berape kadar interest jika saya byr dowpayment 20% dari harga asal kereta….brape pula bayaran bulanan saye?

  183. Fauzan June 28, 2011 at 5:38 pm

    hye…

    saya nak tny, tunang saya nak beli honda city S, dengan tangga gaji setelah potong EPF n perkeso semua, dpt la gaji bersih 2600. bleh dpt x loan untuk honda city S, kalo downpayment 10%?

    • Mybestcardealer.com June 28, 2011 at 11:47 pm

      Pihak kami boleh cuba submitkan loan ke bank-bank dan diharapkan agar tunang saudara dapat stand-by dokumen guarantor jika diperlukan. Lebih elok jika saudara/i dapat bertemu dengan pihak kami bagi berbincang mengenai hal ini. Hubungi pihak kami di 019-3559448 untuk maklumat lanjut.

    • Mybestcardealer.com July 1, 2011 at 8:35 am

      Here’s the list of the documents:

      1) Copy of MyKad (I.C)
      2) Copy of Driving License
      3) Latest 3 Months of Payslips
      4) Latest 3 Months of Bank Statements

      Contact En Ihsan and provide your guarantor’s contact number.

  184. demojako June 28, 2011 at 8:01 pm

    saya ingin membeli honda city gred E, , so monthly installment and downpayment saya kena bayar berapa??

    • Mybestcardealer.com June 28, 2011 at 11:44 pm

      Jika saudara/i bukan fresh graduate, atau pekerja kerajaan/GLC, saudara/i perlu membayar 10% down payment. Kiraannya adalah seperti berikut:

      Harga: RM 90,480
      D/payment: RM 9,048
      Interest: 2.75% (approximation)
      Loan: 9 years
      Monthly : RM 940

  185. imran June 29, 2011 at 1:33 am

    Sy bercadang utk beli kia forte 1.6 EX end of this year.
    Basic salary: RM2000 (++others income)
    Current car: VIVA660 (2007) milage:70,000KM. loan balance = +/ – RM10,900
    1)Berapa nilai trade in if saya trade in viva660 sy?

    2)Berapakah monthly installment if sy pilih 9 years loan?

    3)Possible ke if monthly installment below RM700? (Berapa extra downpayment perlu sy bayar? plus dengan trade in VIVA660 sy?)

    Terima kasih

  186. romeodad June 29, 2011 at 2:26 pm

    Hi there, i wish to get Perodua Alza or Toyota Vios 1.5G (A), monthly i would earn around 2.5k. so how much do i need to pay for my monthly installment and down payment? Thanks

    • Mybestcardealer.com July 2, 2011 at 9:54 pm

      If you are working in a private sector, you need to pay 10% down payment. Perodua Alza has many variants, and please check out this link to find out about more details:

      http://mybestcardealer.com/perodua-alza

      You can use our online calculator on our website: {http://www.mybestcardealer.com/find-a-car/payment/}

      Toyota Vios G (A)
      Price: RM 87,300
      D/payment: 10%
      Interest: 2.75%
      Monthly: RM 907

  187. demojako June 29, 2011 at 7:52 pm

    so kalau fresh graduate or pekerja kerajaan, so kena bayar berapa??

  188. slkckw July 1, 2011 at 2:55 am

    want to buy new produa myvi (AUTO) the cheapest with basic salary only rm1500..i can get a guarantor..

    d/p rm10000…

    question is the interest rate for 7 n 9 years ?
    and the monthly installment for both years?

    dont know how to use the loan calculator anyway zz

    • Mybestcardealer.com July 1, 2011 at 7:18 am

      Hi,

      The price of the new standard perodua myvi is RM 46,900. The interest is from 3.2% (Approx).

      7 years : RM 537
      9 years : RM 440

      Submit your documents to our perodua representative by calling him at 019-3559448. We’ll submit your documents to the bank and we’ll move to the next step once the loan is approved.

  189. zani July 2, 2011 at 7:45 pm

    salm,saya pemegang diploma dari politeknik . .sy gred pd hjg thun lepas. . .sy berminat dengan perodua myvi mt (terpakai ) 2007.sy bru keje 4 bln sahaja. . basic 900+200(elaun) + OT dlm 1300 la bersih .. . layak ke sy nk bli kereta ni?boleh tak sy nk gna pakej graduan?

    • Mybestcardealer.com July 2, 2011 at 8:27 pm

      Salam Zani, pakej graduan hanya digunakan untuk pembelian kereta baru sahaja dan interest rate bagi kereta 2nd hand myvi berada dalam linkungan 4.5% (anggaran). Pihak bank akan hanya melihat gaji basic anda untuk proses kelulusan, soal layak atau tidak itu bergantuk kepada jumlah loan yang ingin dilakukan. Mungkin penjamin diperlukan untuk case adik ni.

  190. ainol July 4, 2011 at 2:41 am

    Hi mybestcardealer.

    Jika saya bekerja sendiri http://www.nxstudio.net.. dan hanya menggunakan personal account maybank bandar sri permaisuri atas nama saya, bagaimanakah caranya saya ingin apply loan 90% untuk proton exora baseline metallic.. Pendapatan saya berbeza beza setiap bulan. apabila dianggarkan lebih kurang 2000-3000 sebulan.. Dan pada 1hb July 2011 saya mula bekerja tetap di syarikat http://www.primuscore.com dengan gaji 2100+elaun 200…. Saya masih juga bekerja di http://www.nxstudio.net sebagai partime.. adakah bank boleh meluluskan loan saya bedasarkan bank statement maybank saya?

    • Mybestcardealer.com July 5, 2011 at 11:06 pm

      Salam ainul,

      Untuk menjawab soalan kelulusan bagi pihak saudari, ia mungkin tidak mempunyai masalah. Tetapi lebih elok jika saudari dapat stanby dokumen penjamin kerana bank mungkin memerlukan penjamin bagi kes ini. Lebih elok jika saudari dapat menyediakan dokumen-dokumen untuk pihak kami berikan kepada pihak bank dan kita akan proceed to the next step once the loan is approved. Hubungi En. Ihsan di 019-3559448 untuk membuat sebarang temu janji.

  191. dixo July 4, 2011 at 10:53 am

    salam.saya ingin membeli kia sportage 2011(rm138888) , so monthly installment and downpayment saya kena bayar berapa??gaji 3000
    bank mane yg paling rendah interest?

    • Mybestcardealer.com July 5, 2011 at 10:50 pm

      Wasalam, jika anda bukan fresh graduate, bukan pekerja kerajaan atau pekerja GLC, anda perlu membayar 10% down payment, iaitu RM 13,889. Monthly installment boleh dikira di website kami di {http://www.mybestcardealer.com/find-a-car/payment/} dan anda boleh gunakan interest rate 2.7% (approx only) dan jumlah down payment yang ingin dibayar mengikut status pekerjaan anda.

  192. Am July 4, 2011 at 4:49 pm

    Hi,

    I’m working with government under the contract for service for almost two years and my basic salary is RM 2300.

    I’m planning to buy naza kia forte 1.6 EX and to trade in my satria neo base line 1.6.

    Car Loan : RM 43,000
    Years of using : 1 year since June 2010
    Mileage: 22,000 km
    Monthly payment : RM 610

    Could you advise me about the downpayment, interest rate and monthly payment for naza forte since I’m not familiar with the trade in procedures. Thank you.

    • Mybestcardealer.com July 5, 2011 at 10:38 pm

      Hi Am,

      We recommend you not to trade in your car as the outstanding balance of your loan must be much higher than the market price of it. You may lose a lot money by doing this as you need to pay the difference to the bank. Please check your outstanding balance from the bank as well. If you are fine with it, you need to provide a guarantor since you’re working on a contract basis.

  193. Mazz July 5, 2011 at 6:10 pm

    salam, i’m planning to buy a second hand car Honda Odyssey with OTR priced RM120k. What is the interest rate for 9 years loan? Any recommended bank that’s using Islamic loan?

    • Mybestcardealer.com July 5, 2011 at 10:29 pm

      Wasalam, the interest rate for 2nd hand car is 1.5-2% higher than the rate for new cars. The rate for a brand new imported car is around 2.7%. You should expect the rate to be at least 4%.

  194. mani July 8, 2011 at 11:48 pm

    hai sir,may i know monthly payment for toyoto vios j (m) type car with a downpayment rm15,000.00 for 9 and 7 years..tq

  195. enigma July 10, 2011 at 4:57 pm

    Salam,
    Saya berminat kepada Honda city Type S atau Vios Type J Auto. Saya baru grad dan telah bekerja selama 8 bulan. Gaji asal 2400 tp tolak semua2 tinggal 2100 je. Sekiranya saya membayar downpayment 20K… layakkan saya mendapat pinjaman.

    • Mybestcardealer.com July 11, 2011 at 11:14 am

      Wasalam, ia bergantung kepada perkerjaan saudara/i. Mungkin saudara/i memerlukan penjamin dan saudara/i perlulah standby dokumen penjamin yang tertera di finance tab. Boleh hubungi kami segera di 019-3559448 untuk maklumat seterusnya. Selepas dokumen itu diserahkan, pihak kami akan memberikan ia kepada pihak bank. Selepas kelulusan pinjaman diberikan, bolehlah kita berbincang tentang proses seterusnya.

  196. mycbankpirate July 12, 2011 at 8:40 pm

    assalam,

    Tuan,

    Kalo sy nk beli persona h line auto dgn dwnpmt 40k, rate akan berubah ke kalo amik loan 5 thn je

  197. asdi July 14, 2011 at 7:18 pm

    hi..i want to buy new polo…if DP 10% how much d mnthly for 7yr and 9 year?
    what about used polo 2009/2010, will d same interest ??

  198. asdi July 14, 2011 at 8:00 pm

    new polo with 10% DP mnthly for 7yr? 9 yr?

    • Mybestcardealer.com July 22, 2011 at 11:38 am

      You can check the OTR value of the model at volkswagen’s website and you can use our financial calculator at our official website to determine the monthly installment. Here’s the link: {http://www.mybestcardealer.com/find-a-car/payment/}. Please use the interest rate of 2.7% (Approximation only).

  199. ody July 16, 2011 at 12:59 am

    salam,
    saya berminat forte 1.6 sx, tiada promotion raya ke tahun 2011 ni? kerja private, basic dalam rm 2450 x masuk elaun lain2..agak2 layak ke saya memiliki keta cun ni..bpe interest rate dan monthly payment jika d/payment 10k? tq

    • Mybestcardealer.com July 20, 2011 at 7:31 am

      Wasalam Ody, model ini sangat panas dipasaran dan ia tiada promosi setakat ini. Boleh Ody serahkan dokumen-dokumen untuk membuat loan ini? Kami harap Ody dapat stand by dokumen guarantor kerana ia mungkin diperlukan oleh pihak bank. Interest rate boleh menjadi serendah 2.7% (anggaran shj). Anggaran bayaran bulanan adalah sebanyak RM 872 bagi model Sx (RM 85,800).

  200. sheebe July 16, 2011 at 11:58 pm

    i want to buy Suzuki Alto 1.0A/T GLX. How much does it costs? if deposit 10k, how much is monthly installment for 7 yrs?

  201. varthan July 18, 2011 at 4:14 am

    Sir,i need your advise on this end of the year i would like to buy new Honda accord 2.0c or Toyota Camry 2.0c .In your view which car better for me.For your info my age only 35y old so which one is suitable for me.

    • Mybestcardealer.com July 19, 2011 at 7:38 am

      Hi Varthan,

      This is a very hard question to answer without knowing your personalities, background and your driving styles. To be honest with you, Honda Accord is much more smooth in handling and heavier. In term of design, both of them have their own of styles but Honda accord has a sporty looking. Are you might be interested on that? You didn’t mention specific model variants, but if you did, we could compare the monthly installment differences for you. Toyota Camry is more spacious and comfortable for other passengers. Either way, call us for a test drive. You might want to feel it by yourself.

  202. nurul July 19, 2011 at 3:03 pm

    sy nk trade in gen2 manual 2008,,nk amik vios e baru ,,,,harga full settlement di bank rm36k,,,bole encik settlekan

    • Mybestcardealer.com July 19, 2011 at 3:24 pm

      Salam Nurul,

      Kami boleh buatkan segala-galanya, tetapi kami perlu check harga pasaran kereta gen-2 manual tersebut. Berkemungkinan besar, harga kereta tersebut adalah jauh lebih rendah dari jumlah hutang anda, dan anda perlu membayar perbezaan tersebut.

    • Mybestcardealer.com July 19, 2011 at 10:43 pm

      Harga kalau CPS : RM 34k, kalau lower spec, RM 32 k. Kalau nk trade in, nurul perlu membayar beza harga ini dengan full settlement tersebut.

  203. farhan July 20, 2011 at 12:39 am

    salam….
    saya berminat dgn persona hi-line..
    dengan downpayment=rm10k
    my basic salary rm820 only and full salary=rm1300/month…
    i’m working in GLC and i’m garduate from local university last year…
    how much i will paid for installment per month?

  204. syaz July 20, 2011 at 2:15 am

    salam…saya ingin membeli myvi elegance 1.3 auto bulan hadapan…saya fresh graduate dan akan mula bekerja di private company bulan hadapan…gaji 3500…adakah saya layak guna graduate scheme atau zero down payment? apa pandangan encik?

    • Mybestcardealer.com July 20, 2011 at 7:17 am

      Wasalam Syaz, Ia semestinya tidak menjadi masalah untuk mendapatkan pinjaman dengan gaji yang tinggi. Tetapi ingin diingatkan sekali lagi, stock untuk kereta myvi (AUTO – Premium/Elegance) amat lah lambat dan ia MUNGKIN akan memakan masa 2-3 bulan selepas tempahan dibuat. Oleh itu, pihak kami menyarankan agar syaz membuat tempahan dengan segera untuk mendapatkan kereta itu dengan lebih segera. Jika offer letter dari company itu sudah ada, kita boleh menggunakan dokumen itu sebagai bukti. Dokumen lain yang penting adalah seperti copy IC, lesen, copy salinan degree/sijil. Untuk sebarang tempahan, hubungi pihak kami di 019-3559448 (En. Ihsan).

  205. varthan July 20, 2011 at 4:04 am

    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

  206. frankie david July 20, 2011 at 4:42 pm

    Salam sejahtera, saya nak tanya, saya dah 6 bulan bekerja di sektor swasta, gaji bersih dalam rm7++ – Rm8++, termasuk o.t dan komisen. kalau saya nak ambil viva basic paling murah dengan gaji nie, dapat tak? downpayment dalam rm3000-rm4000. saya ada masalah nak cari gerentor. terima kasih.

    • Mybestcardealer.com July 20, 2011 at 5:55 pm

      Wasalam, adakah tuan ingin membeli viva basic 660 manual yang berharga RM 24,900? Ada kemungkinan anda tidak memerlukan penjamin jika anda dapat membayar down payment setinggi RM 4,000. Lebih elok jika tuan dapat menghubungi kami untuk berbincang tentang keadaan tuan. Hubungi kami di 019-3559448.

  207. Akil Ahmad July 20, 2011 at 9:16 pm

    Aslmkm dan salam sejahtera,
    Saya berminat untuk membeli sebuah 4X4 pick up dan sekarang agak buntu untuk memilih di antara hilux 2.5G(A/T), triton 2.5(A/T) atau D-Max 2.5 Premium. Saya ingin meminta sedikit nasihat dari segi interest rate dan apa-apa promotion yang ditawarkan oleh ketiga tiga syarikat di atas. Saya bercadang untuk memperuntukkan RM10K sebagai down payment. Di harap dapat membantu seadanya.

    • Mybestcardealer.com July 21, 2011 at 7:26 pm

      Waalaikumussalam, Pihak kami hanya menjual Toyota Hilux sahaja dan kami tidak beberapa arif tentang 4×4 ini. Kami sarankan agar encik melihat forum2 kereta ini untuk maklumat yang lebih tepat. Interest rate dianggarkan berada dalam linkungan 2.7% dan bayaran bulanan boleh dikira di {http://www.mybestcardealer.com/find-a-car/payment/}. Jika tuan berminat untuk membeli Toyota Hilux, boleh lah hubungi kami di 019-3559448.

  208. ocean July 21, 2011 at 12:30 am

    Hi, Mr Admin. I wish to get a Proton Persona M-Line or H-line.
    My basic salary is RM2200 + RM500 fix monthly allowance.
    If i place RM6000 down payment, what will be the monthly installment amount according to the current interest rate? M-Line or H-Line better?
    Thanks a lot for your kind advice.

    • Mybestcardealer.com July 21, 2011 at 7:18 pm

      Hi Ocean,

      You can download Proton Persona brochure from our official website: {http://www.mybestcardealer.com/proton-persona}. Please note that the differences between M and H line can be seen from the brochure. H-Line is a full spec, meaning all accessories are included. Your monthly installment will be around RM 596 (M-Line) and RM 638 (H-Line) @ int of 3.2% for 9 years with RM 6,000 d/payment. Call our representative at 019-3559448 for booking! Hurry up while stock last!

  209. varthan July 21, 2011 at 4:22 am

    Good day…..Every year car sales will drop off slowly when the calendar starts to hit the month of November and December. Most of the car buyers would think that the market value of their cars will be slightly higher if they purchase at the beginning of the following year and those who are planning to buy the car in November or December the market value would be affected???There is any discount promotions and lower interest rates are given to us during this period???Pls advise.Tq

  210. varthan July 21, 2011 at 4:25 am

    Good day…..Car sales will drop off slowly when the calendar starts to hit the month of November and December. Most of the car buyers would think that the market value of their cars will be slightly higher if they purchase at the beginning of the following year and those who are planning to buy the car in November or December the market value would be affected???There is any discount promotions and lower interest rates are given to us during this period???Pls advise.Tq

    • Mybestcardealer.com July 22, 2011 at 11:35 am

      You are absolutely right. That’s why there are more promotions available at the end of the year. However, some models have no promotion at all due to a stock issue, or hot selling. Bank would also provide an initiative by lowering the interest rate to attract more buyer to apply the car loan.

  211. rudra July 22, 2011 at 1:52 pm

    Hi How much the Monthly Installment if i pay 10% for Proton Inspira 2.0 for tenure of 5 yrs??
    Thanks

    • Mybestcardealer.com July 22, 2011 at 2:41 pm

      Hi Rudra,

      There’s a promotion for this model. You can either choose lower interest rate promotion (2.33% for 5 years) or a discount of RM 4,000. If you choose to get the lower interest rate, with 10% down payment, your monthly installment will be:

      Price: RM 91,900
      D/payment: RM 9,190
      Interest: RM 2.33 (5 years)
      Monthly: RM 1,539.

      If you choose to get RM 4,000 discount, your monthly will be around RM1,676 with down payment RM 9,190 – RM 4,000 = RM 5,190 @ int 3.2%. Call our dealer at 019-3559448 for more details. Download the brochure here: {http://www.mybestcardealer.com/new-proton-inspira-for-sale/}

    • Mybestcardealer.com July 27, 2011 at 7:25 am

      There’s an error in our calculation. The monthly fee for 5 years with interest rate of 2.33% is actually RM 1,539, not RM 926. We are sorry for any inconvenience it may cause.

  212. leann joseph July 24, 2011 at 1:30 am

    Hi there, i would like to ask regarding second handed nissan sentra year 2001,

    1st) if i wan to get this car , could i able to get full loan? ( around RM30K) if can maximum how many year can i pull to settle the loan? if cant be full loan , how many percent of loan can possibly get? and also may i know the interest rate range ?

    2nd) My basic is RM750.00( clean ) plus fix allowance RM 600.00 ( total RM1350.00) non-govn, should i able to get RM30k loan without guarantor ( with no down payment)?

    Pls Advise.

    Thank you.

  213. varthan July 24, 2011 at 7:30 am

    Good day…..Just want know for the imported car such as Honda Accord 2.0c 2011 current price now is149K and year to year how much the market value going to drop for every each of year.Pls advise .Tq

  214. pai July 25, 2011 at 2:56 pm

    salam…basic salary saya rm1800 n layak tak tuk wat loan bank bg kereta honda jazz 2nd hand thn 2003 beharga 48k n sy byr deposit dlm 5k?berapakah monthly payment yg sy ptut byr?

  215. Stanleypue July 25, 2011 at 10:47 pm

    When is Myvi 1.5 lauching, i would like know more details of the actual car, price and spec. Thank you

  216. roy July 26, 2011 at 8:39 pm

    hi. i nak tanya. aku nak beli kereta bmw 320i tahun 2007. harga kereta rm140000. berapa interest untuk kereta itu.. kereta 2nd..

  217. rakesh July 29, 2011 at 2:23 am

    im rakesh..i want to buy a 2nd hand wira SE…my basic salary is rm600+rm200 allowance+rm100 commision…around rm 1100 monthly if plus my OT….is it possible??

  218. rusaidi July 30, 2011 at 6:09 pm

    hai…saya berminat membeli proton persona H-Line 1.6 white solid..saya bercadang hanya ingin mendapatkan pembiayaan sebanyak rm50k sahaja dari bank. Pendapatan saya kasar saya rm2100++ dan pendapatan bersih RM1,900++..saya juga baru bekerja setahun dan pemegang ijazah..ni merupakan kereta pertama yg ingin saya beli..berapakah kadar interest berdasarkan kreateria saya ni..Tq..

    • Mybestcardealer.com July 30, 2011 at 7:30 pm

      Interest rate bagi kereta Proton telah turun kepada 2.9%. Berdasarkan maklumat gaji yang diperlukan, mungkin saudara tidak mempunyai sebarang masalah untuk mendapatkan kadar tersebut. Oleh itu, pihak kami menyarankan agar pihak saudara menyiapkan dokumen-dokumen penting kepada pihak kami. Dokumen itu akan diberikan kepada pihak bank untuk proses kelulusan. Bayran bulanan untuk 9 thaun adalah dalam lingkungan RM 584. Jika saudara mempunyai sebarang pertanyaan, atau ingin membuat tempahan, hubungi En. Ihsan di 019-3559448.

  219. downloadanimov August 3, 2011 at 11:06 am

    I wan’t to buy saga FLX standard. Right now, my current salary is around 1.5k + OT + allowance =1.8k. Im currently employed for about 2 month now. I am a graduate from local unviersity. If can i need your guide regarding the best bank to get loan with lowest interest based on my status and the monthly payment i need to pay.
    2. I notice that you mention proton have promotion, does it involve in cutting the car price?
    If that so, can i have the price list for that promotion. i really need the car urgently. Pls do help me. Please email me your answer. Thank you.

    • Mybestcardealer.com August 6, 2011 at 2:28 pm

      Saga FLX standard won’t come out for the next 2 months or so. The promotion details has not yet been told, but its very unusual for a new model to have a discount promotion. Most banks will give you about the same rate, but for now Maybank could give you as low as 2.9%-3.0% depending on your eligibility.

  220. nazirah August 4, 2011 at 11:46 am

    salam & slmt pg..

    saya ira ingin bertanya jika saya ingin membuat loan untuk kereta perodua myvi boleh kah saya membuat pinjaman dengan toyota capital & berapa rate yang dikenakan untuk kereta under perodua???

    • Mybestcardealer.com August 6, 2011 at 2:22 pm

      Wasalam Ira,

      Untuk makluman cik, pinjaman toyota capital hanyalah untuk kereta toyota sahaja. Interest rate terendah bagi perodu myvi adalah dalam lingkungan 2.9%-3.0%. Ianya amat rendah berbanding tahun tahun sebelum nya dan kami mencadangkan agar cik membuat tempahan dengan segera. Kami khuatiri, interest rate ini akan naik semula ke kadar yang lebih tinggi dan jika loan telah dibuat, cik akan mendapat kadar yang rendah itu. Hubungi kami di 019-3559448. Perodua Myvi Auto/Manual Solid ada stock, akan tetapi, model lain, cik perlu tunggu dalam 2-4 bulan bergantung kepada model dan warna.

  221. wannaz August 4, 2011 at 12:04 pm

    Hello..
    Sy bercadang nak beli kereta..Sy berminat dgn myvi elegance..Sy ada buka website perodua,ada promosi duit raya rm2300..Adakah promosi tu untuk semua jenis kereta perodua? Dan boleh tk email jika ada promosi bagi sebarang kereta kepada saya..thanx

    • wannaz August 4, 2011 at 12:28 pm

      Nett gaji sy adalah rm2k..

    • Mybestcardealer.com August 6, 2011 at 2:15 pm

      Hello, pada waktu ini, promosi untuk Perodua Mvyi masih belum diberikan oleh pihak perodua. Promosi duit raya itu hanya lah kepada lucky draw winner yang menyertai contest yang dikendalikan oleh pihak perodua. Pihak kami berterus terang dengan saudara/i bahawa stock kereta Perodua Myvi Elegance akan memakan masa selama 3-4 bulan selepas booking dibuat. Ketika ini, ada discount menarik bagi perodua Alza jika anda berminat. Saga FL juga ada stock dan boleh dapat kereta dengan segera. Hubungi kami di 019-3559448 untuk membuat tempahan.

  222. syed August 6, 2011 at 4:24 pm

    Hello…..saya student..n still berada di oversea under government scholarship…
    is it possible untuk saya dapatkan loan dan memiliki kereta di malaysia??
    coz jika dinilai dgn elaun saya di luar negara+part time job…saya yakin mampu bayar monthly instalment…..

    • Mybestcardealer.com August 6, 2011 at 6:29 pm

      Hi, based on your status of being a student without a stable income, you are not eligible to apply for a loan. Please note that you can ask your parents to purchase it for you and you pay them monthly.

  223. Lincoln August 7, 2011 at 4:23 pm

    I would like to purchase a new Mazda 2 Sedan in additional that I would like to sell my Hyundai Getz 1.3, What is the current price in the market?

    What is the latest price for Mazda 2 ? How much loan can I obtain ? How much the monthly instalment ? My latest salary is RM3400.
    Requirement : 9 years instalment, downpayment 10%

    • Mybestcardealer.com August 7, 2011 at 9:52 pm

      Hi, we need to have a look at your Hyundai Getz in order to provide you with the best quotation. Mazda 2 has a very special promotion. You are will receive a cash rebate discount and a free bodykit. This is for this month only. If you are interested, you can call us directly at 019-3559448. The monthly installment is around RM 801 /= after 5k discount.

  224. Pie August 7, 2011 at 9:24 pm

    Salam..saya bekerja di sektor swasta..my basic rm2100 housing allowend..sudah 3 tahun bekerja dan tiada ape2 komitmen..saya bercadang untuk membeli kereta suzuki swift 1.5..dengan bayaran muka rm15k, adakah saya layak mendapat pinjaman bank..?

    • Mybestcardealer.com August 7, 2011 at 10:19 pm

      Wasalam, terdapat 2 jenis bagi model 1.5 iaitu standard dan premier. OTR price for standard is RM 73,788 and RM 79,944 for premier. Untuk mendapatkan kelulusan dengan lebih mudah, disarankan agar saudara/i stand by dokumen penjamin sekali. Mungkin proses untuk mendapatkan kelulusan itu lebih mudah. Jikalau saudara/i sudah berkahwin, joint income loan adalah jalan yang terbaik.

  225. nazirah August 8, 2011 at 3:43 pm

    Jika rate terkini untuk myvi 2011 terbaru adakah sma dengan myvi keluaran sebelum ini??kawan saya telah membuat pnjaman dengan beberapa bank,tetapi malangnya kesemua bank tidak meluluskan pinjaman beliau dan pihak dealer tlah pun membuat permohonan pnjamn bersama toyota capital ternyata beliau telah luls pnjaman tersebut dengan toyota capital.persoalan sya adakah bole kta menrma pnjaman tersbut untuk kereta perodua myvi keluaran yang terbaru 2011?

  226. syah August 9, 2011 at 8:32 am

    Hi,
    gaji saya RM2700, nett RM 2000..berminat dengan hyundai sonata 2011..
    boleh ker? berapa paling lama untuk tempoh bayaran loan?boleh kalau saya amik 25 tahun?

    terima kasih

    • syah August 9, 2011 at 11:03 am

      sorry, i mean..umur saya 25 tahun, dan maximum pmbyaran within 10 tahun?

    • Mybestcardealer.com August 10, 2011 at 11:14 pm

      Pinjaman 10 tahun amat tidak digalakkan untuk mengelakkan hutang yang tinggi di masa hadapan dan hanya boleh dilakukan di bank rakyat sahaja. Tetapi, gaji basic anda perlulah sekurang-kurangnya RM 3,500-RM4,000 untuk layak bagi mendapatkan pinjaman tersebut.

  227. AIDA August 9, 2011 at 11:44 am

    Hi..i am planning to buy Saga FL Executive,(preferably manual) my nett pay is around RM1,200. I can only afford to pay monthly installment not more than RM400 due to other commitments. If i am paying 10k for downpayment, can u please work out for me how much is the installment?? I need to purchase the car soonest possible. TQVM

    • Mybestcardealer.com August 10, 2011 at 11:09 pm

      Hi Aida, you mentioned about SAGA FL right? We may have a stock for manual but you need to confirm about the specific color. If you do pay 10k for down payment, with the OTR Price of the model is RM40,248 and interest of 2.9-3.0%, your monthly installment should be RM350+ .Call us at 019-3559448 (Ihsan) now if you are interested while stock last.

  228. usop August 9, 2011 at 4:12 pm

    salam…saya bekerja di sektor swasta.. basic sya rm1400 , tp plus dgn elaun ttap bulan2
    rm 2055 ..if cmpur ot dlm rm3200….sya sdah bkerja 2 thun 6 blan…..komitmen blan2..sy byar mtor rm 140, loan asb=rm240, rmah=rm340….sy ingin beli suzuki swift tahun 2005…hrga dlm rm50k….adakah sy lyak untuk mmhon pnjaman bank??trima ksih….

    • usop August 9, 2011 at 4:19 pm

      lupa nk mention td….brapekah kadar interst yg dknakan untuk kereta suzuki swift ni….

    • Mybestcardealer.com August 10, 2011 at 11:01 pm

      Pihak saudara perlu mempunyai penjamin kerana bank hanya akan melihat gaji basic anda sebagai tanda ukuran. Elaun dan OT tidak akan dikira dan lebih elok jika saudara membuat joint income loan bersama isteri jika saudara telah berkahwin.

  229. Munir August 10, 2011 at 7:24 am

    Hello,
    I’m in the middle of the curiosity. In order to apply for any car loan, the affordability of the loan should be focused on the total of nett salary after any deduction (personal loan etc) OR based on 60% deduction (including the personal loan itself) of the gross salary? For example here, my salary is 2909 per month, and after the deduction of personal loan plus EPF, the nett salary should be around 1300++. but if it based on 60% of the gross income, it might only 250 after all the deduction. Which want does it take for applying the car loan? Your reply is much appreciated. Thanks.

    • Mybestcardealer.com August 10, 2011 at 11:05 pm

      The bank will look at your basic salary and your nett salary. Your basic salary usually needs to be 300% more than your monthly installment. Let say your monthly installment is 600, your basic must be at least RM1,800. However, if your basic is lower than 300% but you have good financial and saving record, it may not be a problem for you to apply for the loan. We advise you to submit your documents to us and we’ll pass it to the bank for the loan approval process. Once it is approved, you’re good to go.

  230. still blur August 10, 2011 at 12:49 pm

    kereta lama nak tolak nak ambil kereta 2nd..kereta lama proton wira tahun 2006…nak ambil kereta nissan sentra tahun 2000-2003..berape ye kire2 nye

  231. karim August 11, 2011 at 12:57 am

    hi…
    gaji bersih saya sebulan setelah ditolak epf adalah dlm 2050
    adakah saya layak untuk mendapatkan loan membeli persona elegance h line auto
    dan saya ingin membayar deposit sebanyak rm5000

  232. karim August 12, 2011 at 9:48 am

    Hi..
    basic salary saya dlm rm2300
    pendapatan bersih saya dlm rm2050
    saya ingin membeli persona h line automatic
    dan ingin membayar downpayment rm 5000
    layakkah saya untuk mendapat pinjaman..
    dan berapakah bayaran bulanan yg diperlukan

  233. syah August 12, 2011 at 11:38 am

    Hi Admin,
    What is the price for Toyota Corolla Altis. 1.8E?
    and monthly installment with RM0 d/payment?

    • Mybestcardealer.com August 15, 2011 at 9:40 am

      Hi,
      We recommend you not to apply for 0 down payment, but if you have a good financial records, it may not be a problem for you to apply for a full loan. The monthly installment could be from RM 1,307/= depending on the interest rate charged. As for this one, we assume it is 2.8%. Call us directly for more info at 019-3559448.

  234. Vijay August 15, 2011 at 6:33 pm

    Hi, I want to get a Kia Sportage. OTR is RM 138,888.00 I put downpayment around RM 13,000.00 Looking for loan period of 9 years. How much interest and monthly installment?

    • Mybestcardealer.com August 16, 2011 at 12:03 am

      Below is the details for the monthly payment:

      OTR: RM 138,888
      D/payment: RM14,000
      N/years: 9 years
      Interest Rate: From 2.65-2.80%
      Monthly: RM 1,437

      Feel free to use our online calculator at {http://www.mybestcardealer.com/find-a-car/payment/} and call us directly at 019-3559448 if you need to set an appointment with our representative.

  235. Vijay August 15, 2011 at 9:28 pm

    Hi, wanna get Kia Sportage 2.0, OTR is RM138,888.00. If I put downpayment about RM 14,000.00, how much interest,loan and monthly installment?

  236. labu August 15, 2011 at 11:24 pm

    hi..
    i wish to trade in my gen2 2006 for forte 1.6sx..
    1) what is the current interest rate?
    2) how many can i get from my gen2..
    3) if i put another rm 8000 for downpayment 9 yrs loan, what is the monthly installment? my current salary=5000

    pls advise. tq

  237. ejal August 16, 2011 at 9:29 am

    Hi admin,
    wanna get vios E type with downpayment 10%.
    my nett salary 2400.
    how much monthly payment?
    Is it possible to apply 10 years loan.?

    guide me please.tq

    • Mybestcardealer.com August 18, 2011 at 9:14 am

      10 years loan is only applicable to those who work under gov sector. We don’t recommend you to apply for 10 years loan, it would be bad for you in the long run.

      Model: Toyota Vios Type E
      OTR: RM 81,500
      D/payment: RM8,150
      Interest: 2.7%
      Monthly: RM 844

  238. Zain Niaz August 16, 2011 at 4:32 pm

    hai.. nk tanye, saya berminat utk membeli kereta satria neo r3(RM79+++)
    basic gaji : 2300+(elaun)600+(ot)200
    brp installment utk kereta ini? sekian ty

  239. Lincoln Ling August 20, 2011 at 3:53 pm

    Hi I’m interested to buy Hyundai Accent 1.6 – 2009
    Basic Salary :RM3400
    6 year instalment plan please calculate monthly instalment for me.
    Furthermore I would like to trade in Hyundai Getz 1.3 2004 & what is the market price?

    TQ

    • Mybestcardealer.com August 22, 2011 at 4:03 pm

      Hi Lincoln, what’s the price of the car that you’re planning to get? Please use our monthly installment calculator if you want to calculate the monthly payment at: {http://www.mybestcardealer.com/find-a-car/payment/}

  240. mary gabriel August 21, 2011 at 12:32 pm

    i am from Sabah.if i want to trade in My manual Alza(1 yr old)berapa value nya.
    I need an Auto car as i have problem with my left leg now..

    thanks

    • Mybestcardealer.com August 22, 2011 at 3:59 pm

      Hi Mary,

      Sorry to inform you that our services are only offered in Peninsular. The price of the car is different at Sabah and we encourage you to find the nearest Perodua dealer to your place.

  241. saiful August 21, 2011 at 1:00 pm

    saya gaji bersih dalam rm1500.00 termasuk elaun tetap..jika saya nk beli vios j 09 2nd hand,berapa interest dikenakan?dan berapa downpayment perlu dibayar?

    • Mybestcardealer.com August 22, 2011 at 3:58 pm

      Bergantung kepada harga kereta second hand tersebut dan agak sukar bagi saudara jika saudara ingin mendapatkan approval dari bank jika anda tidak mempunyai penjamin. Interest mungkin berada sekurang2 nya 3.8% dan ke atas.

  242. aisya August 21, 2011 at 5:49 pm

    salam en ehsan,

    your previous post state interest 4 p1 n p2 is from 3.2% but now your latest updated state 2.9%.Seems decreasing.Good news. =)
    i’m planning to have a saga on jan 2012.
    so,i need your opinion is it better to get the car dis year or next year?
    takut tahun ni turun turun tahun dpn mencanak naik pulak.hehe…

    Regards,
    Aisya.

    • Mybestcardealer.com August 22, 2011 at 3:57 pm

      Hi Aisya,

      You’re bringing up a very good point that most people should have noticed. The current interest rate is very x10 low and it may go up anytime soon. Even if you’re planning to purchase the car at the end of this year, the interest rate could go up as well. If your question is about buying either dec or jan, we would recommend you to purchase the car on January. Your car market value will be slightly higher if you plan to sell it later.

  243. eo ee ken August 21, 2011 at 10:57 pm

    I plan to buy mazda 2 sedan.. my dowwnpayment is around 35k.. how much do i need to pay per month?

    • Mybestcardealer.com August 22, 2011 at 3:47 pm

      Mazda 2 has 2 specs:

      1.5 Sedan V-Spec (Auto) RM 77,307 : Monthly = From RM 599 / =
      1.5 Sedan VR-Spec (Auto) RM 78,894 : Monthly = From RM 621 / =

      Assuming the interest rate charged is 2.7% and down payment of RM 35k. Call us at 019-3559448 for booking.

  244. eo ee ken August 21, 2011 at 11:00 pm

    forgot to tell.. i plan to pay for 7 yrs.. so hw much do i nid to pay per month for da mazda 2

  245. eight August 23, 2011 at 9:29 pm

    I just changed to a new job, do i eligible to get car loan? and is there 100% loan available ?

  246. Josh Ong August 24, 2011 at 11:10 am

    I wish to loan up to RM34k for 2 years/3 years/5 years to buy a Hyundai Matrix 1.8.

    Please let me know what is the best rate could offer in the market currently.
    Thanks.

  247. SL August 25, 2011 at 7:38 pm

    Hi, im fresh graduated planning to get a car (business degree).. 15k d/p , plan to loan 7-9 years , depends ..

    Inspira 2.0
    Vios J auto
    City-lowest spec 85k
    Or civic 06 around 80k … what is the interest for it , 7-9 years ?

    do you mind do a calculation for me ? would appreciate and thanks in advance…

  248. lau August 25, 2011 at 11:23 pm

    Hi. i wish to buy a Persona H-Line. My salary around RM3000.
    How much will be the current interest rate if i wish to take 7 years loan with RM9500 down payment? Is that any Raya promotion for persona R?

  249. lau August 25, 2011 at 11:24 pm

    Hi. i wish to buy a Persona H-Line. My salary around RM3000.
    How much will be the current interest rate if i wish to take 7 years loan with RM9500 down payment? Is that any Raya promotion for persona?

    • Mybestcardealer.com September 3, 2011 at 8:20 pm

      Hi Lau,

      We are sorry for the late response as we are so busy before Hari Raya. There’s still promotion if you are interested. It would be better if you could contact me directly at 019-3559448 for more info. We look forward to hearing from you soon.

  250. hafizi August 26, 2011 at 12:50 am

    hi saya ada satu kereta waja untuk di trade in kepada honda civic 1.8 rate harga dalam 80ribu(+-), kereta waja 1.8 2003 auto balance loan dlm 18ribu tinggal lagi 3tahun. kalau trade in harga jatuh, so berapa lagi saya perlu bayar pada bank utk dptkn kereta honda civic tu..
    gaji saya 4000
    how much do i need to pay per month with 0 dwpt for civic
    tq

    • Mybestcardealer.com September 3, 2011 at 8:19 pm

      Tuan, kami bukan used car dealers, eloklah pertanyaan ini ditujukan kepada used car dealers yang berpengalaman untuk menentukan harga pasaran kereta tersebut. Tetapi harga bulanan boleh dikira di website kami: {http://www.mybestcardealer.com/find-a-car/payment/}

  251. Marlina August 26, 2011 at 4:20 pm

    Hi, I would like to buy Toyota Wish 2005 from my brother in law.
    Full settlement RM66K , car price in market RM94K

    1) Which bank offer the lowest interest rate?
    2) I would like to loan the car at RM94K how much the monthly installment?
    3) Which bank offer 0 downpayment so that I can get extra cash around appt 28K?
    4) Is there any bank officer contact person or your representative can arrange this asap?

    • Mybestcardealer.com September 3, 2011 at 4:55 pm

      You can try RHB or Maybank for the lowest rate. We are not sure about the maximum loan you can apply for this model but it also depends on your eligibility though. Provide us your contact number and we’ll send you the details.

  252. varthan August 27, 2011 at 4:39 am

    Good day…..I heard we going to facing recession very soon.How about the interest rate might be higher on this hard time.

  253. nz August 28, 2011 at 2:44 am

    hi. im working with tnb. as a fresh graduate, my basic salary is 980 excluded about rm4++ allowances. if im paying rm25k for vios type J manual/auto , what is monthly installment for 9years? how much the loan interests.? im prefer to pay <RM 560 monthly.

    • nz August 28, 2011 at 2:55 am

      forgot to mention, the allowances is fixed

    • Mybestcardealer.com September 3, 2011 at 5:49 pm

      Hi Nz, Bank would only look at your basic salary to determine your eligibility. We doubt that they will give an approval to your application as the minimum basic salary to purchase this car is at least 2,500. Even if you are paying a huge amount of down payment, the requirement might be lowered to RM 2,000. Thanks

  254. nonanano August 28, 2011 at 4:28 am

    if i wanna trade in my kancil ez (2004) (outstanding balance is around 5k) to FordFiesta Sport
    1.6L Ti-VCT. i would like to pay 15k for the down payment. how much is the estimated monthly installment should i pay for the new car.

    • Mybestcardealer.com September 3, 2011 at 5:45 pm

      OTR Price: RM 82,888
      Down Payment: RM 15,000
      Interest rate: 2.7% (Approx)
      Monthly: RM 781

      Should you be interested to purchase this model, contact us directly at 019-3559448. You can also trade in your kancil with us, we’ll do everything for you.

  255. nonanano August 28, 2011 at 4:34 am

    if i wanna trade in my kancil ez (2004) (outstanding balance is around 5k) to FordFiesta Sport
    1.6L Ti-VCT. i would like to pay 15k for the down payment. how much is the estimated monthly installment should i pay for the new car for 9yrs tenure?

    • Mybestcardealer.com August 29, 2011 at 7:13 pm

      We’ll have to check with our used car dealer panels to find out about the best market price for your trade in and the info might not be received anytime soon because of Hari Raya holiday. Would be great if you could contact us again or call us at 019-3559448 a week after raya to discuss about this. Appreciate your time and concern.

  256. Joyce August 28, 2011 at 3:56 pm

    Hi,
    I would like to get a new car. I’m interested in getting either myvi,swift or vios. before that, i would like to know how much is the latest interest rate if i take a bank loan for 7 years? Please advice. thank you.

  257. IA August 29, 2011 at 4:17 pm

    Hi there,

    I’m planning to buy Saga FLX which the price 44,998.00 with D/payment 6k. Am i eligible to get full loan since my basic 1.6k and doesn’t have personal loan.

    Tq

    • Mybestcardealer.com August 29, 2011 at 4:52 pm

      We are a bit confused with your statement. If you’re applying for the full loan, that means that your down payment is 0%. However, you mentioned that you’re willing to pay 6k? Is it correct?

  258. Mohd Shah August 31, 2011 at 11:48 am

    Hello.

    saya berminat untuk membeli nissan sentra sport (auto, comfort, metallic spec). disini boleh tak, tuan berikan pada saya current interest rate utk nissan sentra ini dan berapa yang harus saya byr setiap bulan untuk model ini. utk makluman anda, gaji bersih saya rm 2000 & ade terdapat elaun sebanyak rm 750. saya ingin membayar d/p sebanyak rm 13000 dan ingin bayar selama 9 tahun. adakah saya layak untuk membeli kereta ini..? klu full loan pulak cmne cik? need to pay the dp or not? terima kaseh.

    p/s: boleh tak bg details untuk yg non-metallic skali..? tq:

    • Mybestcardealer.com September 1, 2011 at 9:43 pm

      Sentra Sport 1.6L (A) Comfort OTR RM89,800 – 9 tahun (RM 883/=)
      Sentra Sport 1.6L (M) Comfort OTR RM85,750 – 9 tahun (RM 837/=)

      Calculation is made based on down payment of RM 13,000 and interest rate of 2.7%.

      Full loan mungkin tidak boleh bagi kes tuan kerana gaji basic tidak memenuhi syarat yang ditetapkan. Mungkin tuan perlu mendapatkan penjamin bagi kes ini.

  259. Syafiq August 31, 2011 at 10:29 pm

    Hai,
    Saya Baru sahaja bekerja. Basic gaji rm2500. cmpur elaun semua dekat rm3000. saya nak beli first car. subcompact. kalau boleh ford fiesta atau polo.. lepas ke dgn gaji tu??

  260. salleh September 2, 2011 at 8:05 pm

    assalamualaikum…….
    saya nak tau brapa intrest bank
    1)eon bank
    2)public bank
    3)RHb bank
    kereta yang saya maksudkan kereta keluaran proton…….loan selama 9 tahun..

    • Mybestcardealer.com September 3, 2011 at 3:56 pm

      Wasalam,

      Interest rate bagi kereta baru ketika ini berada dalam lingkungan 2.9-3.0% dan ia bergantung kepada branch bank juga. Masih ada dealer kereta yang tidak begitu arif dalam soal mencari bank panels yang menawarkan interest rate serendah ini, dan mereka membayar interest dengan lebih tinggi.

  261. Edward September 4, 2011 at 8:44 am

    Hi there,

    I wanna buy a Proton Satria Neo R3 but i know it was limited edition,is it sold out already? If it sold out I will change my target to Honda City E spec or Ford Fiesta Sport 1.6,but which is suitable for me if for 80%city20%highway? My statement is not nice same to my father also, so can i ask my uncle become my guanrantor?

    • Mybestcardealer.com September 4, 2011 at 9:34 am

      What’s your basic salary? How much down payment are you willing to make?

      • Edward September 5, 2011 at 12:22 am

        I am a temporary teacher so my basic is RM820 onli not include my other side income, down payment will be 10k,Satria Neo R3 is it sold out already?If sold out I wil choose either Honda City or Ford Fiesta Sport, but which is suitable for me if for 80%city20%highway? My statement is not nice same to my father also, so can i ask my uncle become my guanrantor?

  262. Fuad September 5, 2011 at 1:13 pm

    Salam,

    I’m interested in buying either used or new Honda Civic 1.8. Currently my basic salary is RM 6435. My fixed monthly commitment currently is only my current car (MR 531) and home loan (RM 900++). Could you advice on the current bank loan interest rate and monthly installment (9 years) both for new and used car and also the market price for used and new Civic.

    • Mybestcardealer.com September 6, 2011 at 9:03 pm

      Salam En Fuad,

      We do not have any used honda civics. However, if you are interested in this 1.8 model, the calculation is as follows:

      OTR Price : RM 114,980
      Interest Rate: 2.7%
      Loan: 9 years
      D/payment: ??

      Please use our financial calculator to figure out the monthly installments based on the amount of down payment you are willing to make : {http://www.mybestcardealer.com/find-a-car/payment/}

  263. Wan Ijok September 6, 2011 at 12:28 am

    Hi, saya nak beli kereta seperti di bawah :
    Brand : Honda City Grade E
    OTR price : RM 90,480.00
    Downpayment : RM 10,000.00
    Loan period : 9 tahun
    Basic Salary : RM 3,300

    Note : Nak trade in kereta sekali Proton BLM 1.3 Manual tahun 2010 (agak2 berapa leh trade in? lepas tak duit downpayment tu?)

    Berapa interest rate yang paling rendah yang tuan boleh dapatkan? Dari bank mana? Dan berapa monthly installment?

    Terima Kasih. Please advice ya…

    • Mybestcardealer.com September 6, 2011 at 8:59 pm

      Wow, betul ke nak let go Proton tu? How much is the outstanding balance of the loan? You know that you need to top up the difference if your market value is lower than the trade in price right? Even if your car is barely new, the price of second hand car drops like crazy unless you could find a direct buyer to get rid of it.

      Interest rate for this model is 2.7% and monthly based on the 10,000 dpayment is around RM 926 +-

      • Wan Ijok September 7, 2011 at 3:20 pm

        Salam,

        Ha’ah..nak let go je Proton tu sebab nak upgrade Honda City..hehe

        Outstanding balance untuk Proton tu as at August 2011 ialah RM 42,000. (Total loan campur interest sekali masa beli tahun 2010, 4% loan dengan Maybank, tinggi kan?). Direct buyer takda lagi, sbb sekarang orang tak minal beli Proton Secondhand BLM ni. Depa minat beli Saga FL baru tu.. hehe

        So agak2 leh tolong tak tuan? Basic sallary saya lepas kan utk wat loan tanpa guarantor beli Honda City ni?

        Thank You.

      • Mybestcardealer.com September 7, 2011 at 8:19 pm

        Hutang itu terlalu tinggi dan memang akan rugi banyak kalau nak let go kereta tersebut. So, memang kene top up kerana harga market value semestinya below RM40k.

  264. varthan September 6, 2011 at 3:16 am

    Good day…..Any idea when the new Camry 2012 Hybrid going to launch in Malaysia?

  265. Mohd September 6, 2011 at 3:43 pm

    Hi Friend,

    saya ada planning untuk membeli Honda city grade S. persoalannya skrg adalah, mengapa monthly installment yg saya kira di website honda tak sama dgn monthly installment yg dikira melalui pengiraan yg sebenar..? sebagai contoh, monthly installment yg dikira melalui payment estimator kt website honda utk kereta ini adalah RM 735.81, tetapi melalui pengiraan yg saya lakukan di autoworld.com.my monthly installment adalah RM 834.19. untuk pengetahuan anda, interest kedua2 model ini adalah 2.7%(secara am sahaja sy kira tu) & bayaran selama 9 tahun. would you please give me some advice about this..? sy btl2 minat honda city, but klu monthly melebihi RM 800 I have to cancel it. utk pengetahuan anda my dp is rm 13000. tq.

    • Mybestcardealer.com September 6, 2011 at 8:49 pm

      Yeah, the one with RM 834 is the correct one.

      The loan is calculated based on this formula:

      [(Loan - d/payment) + (Loan - d/payment) x 0.027 (int) x 9 (years) ] / (9 years x 12 months)

      If you’re interested to purchase either this model or any other, just call us at 019-3559448. We sell different car brands here at http://www.mybestcardealer.com

  266. Chen September 6, 2011 at 4:03 pm

    Hello, does the Honda City will launch facelift model in November? Because today I go test drive the dealer tell me this news, is it true?

  267. Rick September 6, 2011 at 6:39 pm

    Good day. I’m looking for Mazda 3 CKD, 2.0l or 1.6l. Is there any rebate?
    2012, is it malaysia going to have new model for mazda 3 with sky active engine?

    • Mybestcardealer.com September 6, 2011 at 8:30 pm

      Yes, there’s a cash rebate for each model and the amounts are different for different model. Call us directly to find out more about the cash rebate at 019-3559448 (Ihsan).

      PS: We were not told anything about the new model and we can say anything about it.

  268. dev September 7, 2011 at 3:46 pm

    hi im planing to buy persona 1.6 -line metallic auto.. down payment is 5K. Im a goverment staff. how much be the interest rate for me n how much do i have to pay monthly?

  269. nonanano September 10, 2011 at 12:35 am

    i got to know that Edaran Tan Chong Motor Sdn Bhd (ETCM) is currently offering attractive low interest hire purchase rates starting from 0.88% per annum for Livina X-Gear. is it applicable for 9 yrs tenure? i’m a govermant servant,. if my nett salary is rm1624, am i eligible to get the car? if i am, is it possible for me to book it before the promotion ends (30th oct.) but arrange the payment after the promotion period? for your info, i am looking forward to settle my personal loan so that my net salary will be as stated earlier. i can afford 10k for the dp. can you please calculate the monthly installment for me cause i do not know the actual rate for 9 years tenure. pls advise.. thanx..

    • Mybestcardealer.com September 10, 2011 at 10:21 am

      Don’t be fooled with marketing. Here’s where you can find the details: {http://nissan.com.my/annoucement/irpromo.aspx} the interest rate is around 2.7% for 9 years. Weird isn’t? Your nett salary may not pass the requirement needed to apply for the loan, but what’s your basic salary?

      • nonanano September 10, 2011 at 7:51 pm

        my basic salary is only rm1900. but i have quite some savings. i’m also interested on ford fiesta 1.6 Sport Ti-VCT hatchback but it is a little bit smaller compared to the livina x-gear. pls advise.. thanx..

  270. wong September 10, 2011 at 8:30 am

    Hi,
    I wish to buy a used car naza forte sx 2010.
    Can i know the current used car price for naza forte sx 2010?
    Can i know current loan interest offered for naza forte used car?
    Pls advice me.
    Thx a lot.

    • Mybestcardealer.com September 10, 2011 at 10:16 am

      Search at carlist.my to find out the selling price. The interest rate should be higher at 3.5% or 3.8% and above. If the price is RM 75k and above, we suggest you to take the brand new one. Less interest rate you need to pay because at the end of the day, the amount that you have to pay is about the same.

      • heng September 10, 2011 at 11:23 pm

        Hi. i’m interested in buying new Hyundai i10 1.25L high spec. Currently my basic salary is RM 2430. How much the Monthly Installment and tenure of 7 years if i pay 10% down payment.
        Thanks

      • Mybestcardealer.com September 11, 2011 at 8:19 pm

        Price: RM 52,688
        Down payment: RM 5,000
        Interest: 2.7%
        Monthly: RM 675

        Please let us know if you’re interested. 019-3559448 (En. Ihsan)

  271. Din September 11, 2011 at 12:38 am

    Hello there,

    Currently i own a myvi 1.3 EZI – facelift purchased back in year 2009. Now i’m planning to expand my expenditure by letting go the myvi and getting myself a bigger car. The car i’m interested at now is the proton inspira 2.0 cvt. If i would like to trade in my myvi to any auto dealer, what is the best deal i could get based on current market value? My myvi has now done almost 50K mileage, but it still running in a tip top condition. Recently I saw in one of the famous local car trader magazine, current price for myvi similar with the one I own is around 39K which a bit sad for me since I still have to pay the bank a balance of 43K to settle the loan.

    Also, how much would i expect to pay monthly for the inspira if i plan to dump a 5% d/pyment? Let’s say I plan to tenure for 7 years loan period.

    In average, my monthly income is around 4K net therefore expending 20-25% of my salary for a car shouldn’t be a problem.

    Thanks, Din

    • Mybestcardealer.com September 11, 2011 at 7:49 pm

      Hi Din,

      Thank you for using our services. Please note that your car outstanding balance is very high and it is hard for you to sell it. In addition to that, the price you look at the magazine is the price of selling by used cars. They will definitely take your much less than 39k. That’s for sure. You’ll lose a lot of money there and you have to pay the differences to get rid of it. Think about this first, unless you are able to find a direct buyer which you could sell the price higher than the trade in price. Any how, you can play around with our online calculator at {http://www.mybestcardealer.com/find-a-car/payment/} and the current interest rate is at 2.9%. Call us at 019-3559448 if you are interested to proceed with the purchase.

  272. mr cool September 11, 2011 at 11:37 am

    Salam.nama saya sareen dari johor .umur saya sekarang 20 tahun,layakkah saya untuk membuat lone kereta saga baru or myvi.basic rm1200.bersih rm2200

  273. Nurul September 12, 2011 at 9:13 am

    nak tanya interest rate untuk viva 850 and loan 9 tahun , untuk sabah, berapa ye?

  274. shasha sham September 12, 2011 at 4:27 pm

    evening,
    i nak tanya, i baru masuk keje governmnt 3 bulan. i nk beli myvi premium. my salry aftr potong sume, 1200 shj. i xde lesen. n i desperately need car. i nak 0 down pyment. bole ke i dpat kerete tu? n procedure die please

    • Mybestcardealer.com September 13, 2011 at 9:15 am

      You need to provide a guarantor or you can apply for graduate scheme. However, interest will be slightly higher because you want to go for “0″ down payment. Procedure is very simple, provide us your documents that include offer letter, copy of ic, payslips (3 months), 3 pictures size of passport and bank statement (3 months). If you can, provide us your guarantor documents as well, copy of ic, license, pay slips (3 months) and bank statements (3 months). Call us for booking, at 019-3559448.

  275. Fuad September 13, 2011 at 5:07 am

    Hi
    I want buy new car – Pesona 1.6 B-Line Automatic. My Basic 2500 and I want to pay the down payment RM 3000. I want to know the interest rate and monthly installment. Duration for 9 years.

  276. Ahmad Fadzil September 13, 2011 at 12:32 pm

    hi..
    I want to buy a used Toyota Innova Auto Year 2007 for RM 74500
    May i know the interest rate and monthly payment for 9 years?
    FYI my salary is RM2500, working with government.
    Thanks

  277. russel yau September 13, 2011 at 3:27 pm

    hi….
    saya nak beli perodua alza standard,saya pinjam full loan,tapi saya sudah hantar document dan guarantor document ke bank,sudah satu minggu kenapa bank(ambank) belum call saya,kerja tempat dan guarantor saya??? saya nak tanya biasa bank bila call interview??

  278. khairulanuar September 13, 2011 at 3:56 pm

    nk tanya,saya ingin membeli naza forte ex. salary RM1900.saya baru 6 bulan bekerja di company swasta. D/P 10%. Adakah saya layak untuk meminjam dan berapa harus monthly payment yg perlu saya keluarkan?

  279. wani September 13, 2011 at 5:03 pm

    salam…
    saya wani.. saya ada KERETA WAJA 1.6, tahun manu:2002, reg : 2003,
    kereta nie nie dah abis bayar.. klu nk wat refinance camne ek? tq brape interest rate sekrang

  280. amir September 14, 2011 at 6:38 pm

    hi,
    saya ada myvi auto standard 2008 ingin trade in honda city grade E..

    Info untuk MYVI Auto Standard (RM 43K)guna loan graduate..
    Bulanan = RM510
    Loan Pinjam = 10thn

    Basic Salary +Allowance = RM1900
    OverTime = RM1-2k (tak tentu)
    Downpayment = RM15000
    Soalan:
    1)Rasanya boleh ke loan saya lepas..
    2)Berapa harga skrg Myvi jitka saya trade in adakah saya dpt balik duit atau kena tambah..
    3)Interest untuk Honda City Grade E berapa untuk 9thn
    4)jika trade in dengan Myvi berapa agak2 perlu saya tambah downpayment untuk Honda City dan bulanan yang perlu saya bayar

    sekian.terimak kasih

    • Mybestcardealer.com September 14, 2011 at 8:31 pm

      Salam Amir,

      Hutang Myvi saudara adalah terlalu tinggi dan memang kena tambah kalau hendak let go kereta tu. Basic salary saudara juga tidak memenuhi syarat minimum iaitu at least RM 2,500 berdasarkan dpayment 15k, dan allowance tidak diambil kira. Kalau saudara betul2 berminat, memang saudara perlukan penjamin.

  281. mat September 15, 2011 at 12:23 pm

    salam,
    saya nk tny, saya in process nk bli kereta naza citra thun 2006. wt loan 38k, 7 years ngn public bank, company used car ckp interest 4%. intrest rate tu xtgi ke? basic salary saya rm3400.

  282. Nizar September 16, 2011 at 4:39 pm

    Hi,

    1.What the current interest rate for New Vios J (M).?
    2. It is possible for me to get monthly installment in range RM550 to RM600 for 9 yrs tenure?If can, how much D/p need to pay?
    FYI – Basic Salary RM2600
    TQ.

  283. Tommy September 17, 2011 at 2:16 pm

    Hi…if my basic salary 1.8k
    what car can i buy?
    any suggestion?

    • Mybestcardealer.com September 19, 2011 at 9:03 am

      Hi Sir,

      The maximum loan you can do is to have your monthly installment around RM 600 which is one third of your basic salary. Therefore, the maximum loan you can get is around RM 50k and Perodua Myvi is the best car as of now or proton Saga which is bigger in size. These two models should be affordable for you. :) call us for booking at 019-3559448

  284. nisa September 19, 2011 at 8:28 pm

    hi,
    recently got a job with local uni after a year quit from my last job.the pay is rm2134 750 elaun.. No other commitment. Can i afford vios auto J/E? How much per month do i have to pay with 0 deposit for 9 years.thanks

  285. Farahana Amira Ahmad Radzi September 19, 2011 at 11:07 pm

    Kawan saya nak beli kereta Saga BLM auto tetapi gaji basicnya RM1300.00 dan ini kali pertama dia ingin membeli kereta. Jadi boleh ke die membeli kereta itu dengan basic RM1300.00 tanpa membayar downpayment..???

    • Mybestcardealer.com September 23, 2011 at 5:01 pm

      Boleh, dan disarankan agar beliau mengambil grad scheme jika beliau baru bekerja. Jika beliau sudah bekerja lebih daripada setahun, beliau perlu mendapatkan penjamin. Hubungi pihak kami di 019-3559448 utk tempahan.

  286. weiweipanda September 20, 2011 at 1:35 pm

    Hi,

    May I know what are the documents needed for government servant to apply the full loan? are there any other terms and conditions? thanks~

    • Mybestcardealer.com September 23, 2011 at 4:59 pm

      Requirement for you is to pass the basic salary requirement. If your basic salary is quite high, it should not be a problem. The documents needed are copy of IC, licence, payslip (3 months) and bank statements (3 months). Call us for an appointment at 019-3559448. We can handle this for you

  287. Diana September 22, 2011 at 4:02 pm

    Hi,

    I have a Myvi that i bought in 2008 (grad scheme) and my sister wants to refinance the car and change it to her name. I am looking for a new car (havent decided the model yet) but maybe a car that worth 70-80k++ My basic salary is 4500, plus around 800 allowances. Have a credit card, ASB loan RM450 a month. I dont really have cash for down payment and I need advise to buy the best car. Loan 9 years. Appreciate your recommendations

    Thanks

    Diana

    • Mybestcardealer.com October 10, 2011 at 7:31 pm

      The refinance part can be arranged as well. Our options for you are Toyota Vios, Naza Forte or Honda City. Based on these options, Toyota Vios will have the cheapest maintenance and Honda city and Naza Forte is a bit expensive. All models should have almost the same performance and in term of design, its on you. :) Call us at 019-3559448 if you are interested in any of these models.

  288. mira September 23, 2011 at 12:03 pm

    hye…saya nak tanya…saya ada plan nak ambil viva elite exclusive.gaji saya monthly rm1108 setelah tolak epf…n saya nak tahu lah service kereta viva ni sebulan brape…..boleh tolong bagitaw saya sama ada saya layak untuk mengambil kereta tersebut atau tidak..

    tq.

  289. Halimi September 24, 2011 at 12:11 pm

    i’m working at GLC sector.My basic salary is rm2100.+fixed O.t should be around 2900(net salary).
    if i want buy proton persona M-line manual or auto with downpayment rm3000, with 9 years payment,how much RM for monthly pay with current interest rate?

    • Mybestcardealer.com September 27, 2011 at 9:02 am

      Calculations are as follow:
      2. Model: Persona M-Line (MT)
      Price: RM 52,999
      Interest: 2.9%
      Down payment: RM 3,000
      Tenure : 9 years
      Monthly: RM 584

      2) Model : M-Line (AT)
      Price: RM 55,999
      Interest: 2.9%
      Down payment: RM 3,000
      Tenure : 9 years
      Monthly: RM 619

      Call us at 019-3559448 for booking. Get lots of free gifts if you purchase from our team. Thanks!

  290. Mukhtar September 25, 2011 at 1:32 am

    hi, i am international student. can i buy car with down payment?? i want buy new persona or vios J, and can i take it for 10% downpaym..?? can u calculate it for 7 or 9 year? how much I should pay monthly?

  291. ineedhelp September 25, 2011 at 11:33 pm

    Hi there.

    I want to know, is it possible to get a VIOS TRD with monthly rm803 for now?

  292. julia September 26, 2011 at 11:37 pm

    hi, i’m currently interested to buy honda accord 2.0 which cost approximately 150 k. my basic salary is about rm 2160 n my allowance is about rm 750. N I do also have exra income about rm1500-2500 every month.thus my monthly income is about rm 4500. i have a car loan n i will pay all the full payment about 30k and i also do have a personal loan which is 30 k which i can’t settled yet. but i will deposit rm 35k for the honda, and i’m wondering whether i’m eligible to own that honda???????

    • Mybestcardealer.com September 27, 2011 at 8:50 am

      Hi Julia,
      Do you have a record of your side incomes? Do you bank in the money to your bank account every month? The interesting issue is that the bank will only look at your basic salary which is RM 2,160 and the allowances and the side incomes are not usually counted. However, you’re paying a big amount of down payment, and that might help the process of getting the approval but it would be better if you could find a guarantor in your case. If you are married, your spouse can be the guarantor. Call us directly at 019-3559448 if you further inquiries.

  293. az September 27, 2011 at 11:26 am

    Hi,

    If I wanna get the myvi 1.5 s.e (solid), how long do I’ve to wait? I just started working but I’m able to pay for the downpayment (20-25% at least), can I still get a low interest rate? And where can I view the car? Is there any showroom in selangor/pj area?

    Thanks

  294. ineedhelp September 27, 2011 at 12:50 pm

    Hi there.

    Thanks for your reply.
    And i need advice regarding 10 years loan. Is it worth it?
    Do i need to add in other info?

  295. julia September 27, 2011 at 3:18 pm

    tq for the reply
    well actually im a government servant and im also selling online. n can i use my transactions details of my bank account??to prove that i have extra income every month and will it be possible to help me better to own that car, or do i still need a guarantor, cos its quite difficult for me to get one…..

  296. abang ngah sungai rejang September 27, 2011 at 3:25 pm

    SALAM

    SY NK BELI Honda Civic 1.7 A VTEC SECONDHAND.HARGA RM43,800. BERAPA INTEREST RATES, MONTHLY INSTALLMENT SY KENA BAYAR IF D/P 20%

  297. Bernice September 28, 2011 at 12:35 am

    Hi,
    Would like to know if i’m buying Perodua Myvi 1.3Sxi with 20k downpayment, how many was the lowest interest rate can i get? But i didn’t have EPF statement, i got reliable person to be guarantor. My monthly income around 3k. Can i get 2.90% interest rate on it?

    • Mybestcardealer.com September 28, 2011 at 8:30 pm

      Bernice, EPF statement is just optional and based on the info given, you’re paying a big chunk of down payment, and you may not need any guarantor. Interest rate should be 2.9% and what’s your basic salary though?

  298. Dylan Choong September 28, 2011 at 9:50 pm

    Hi , I would buy a Perodua Myvi 1.3 SXi with 10K as D/P
    My monthly income around 2K . Can I get a loan without guarantor ?
    Need your advice thanks

    • Mybestcardealer.com October 2, 2011 at 7:50 am

      Hi Dylan, how long have you been working? Which company are you working with? If you pay such amount, you probably won’t need a guarantor. Call us at 019-3559448 if you are interested to set an appointment.

  299. Julia September 29, 2011 at 12:07 pm

    Hi,

    What would be the interest for Perodua Elite AT for 5 & 7 years?

  300. user October 1, 2011 at 1:43 am

    Interested to buy Saga. Prefer the cheapest that come with auto/cvt trans and airbags. Loan 5 or 7yrs. Downpayment as usual min. 10%. Please suggest the model and interest rate.

    Trade-in accepted or not? Wira aeroback 1.6 year 1999.

    (Desperately need a new car)

    • Mybestcardealer.com October 1, 2011 at 4:21 pm

      Hi,

      We do accept trade in and the trade in value will be informed when you call us later. The cheapest model for proton saga that comes with airbag is Executive Auto. The monthly installment for this model is as follow:

      OTR Price: RM 41,948
      Down payment: RM 4,195
      Interest : 2.9%
      Tenure: 5 years (RM 720) and 7 years (RM 541)

      Call us for more info at 019-3559448.

  301. aiyienz October 2, 2011 at 5:27 pm

    Hi,

    I need your opinion. Which one is the better from every single aspects between honda city, vios TRD and Mazda 2?

  302. Danielle October 3, 2011 at 5:28 pm

    I planned to buy Hyundai i10 1.25(a).
    I just start working (2 months) and my net salary minus epf socso is RM1,900.00.
    With 10% down payment how much do I need to pay monthly? For 7years or 9 years. Thanks.

  303. de October 3, 2011 at 7:18 pm

    hi,

    sy berkerja sambilan di jabatan kerajaan.. xde slip gaji.. gaji lbih kurang rm1000 sbulan.. + claim rm300 hingga rm1+++ sbulan.. total boleh dapat rm1300 hingga 2+++.. sy nak beli honda civic 2nd hand harga lebih kurang rm50k – rm55k.. boleh ke sy buat loan dengan bank.. sbb sy xde slip gaji.. sy plan untuk bayar muke 10k.. dan ikat 7-9 tahun.. harap boleh bantu..

    thanks

  304. de October 4, 2011 at 7:22 pm

    ade tak cara yg boleh dibuat?? klo perlukan penjamin, ape ciri2 yg perlu ade penjamin..

    • Mybestcardealer.com October 4, 2011 at 8:23 pm

      Agar sukar kalau ada penjamin sekali pun kerana basic salary anda perlu at least 3 kali ganda bayaran bulanan bagi kereta tersebut. Andaikata bayaran bulanan bagi kereta anda

      Loan: RM 40,000
      Interest: 4%
      Years : 9 years
      Monthly : RM 500

      Basic anda perlu at least RM 500 x 3 = RM 1500 untuk mendapatkan kelulusan.

  305. Shah October 6, 2011 at 3:43 am

    salam,
    saya nak tanya, kalau saya dah buat loan utk beli proton neo CPS, LOAN DAH APPROVE tapi production neo CPS dah stop, so kereta neo CPS dah takde stock.
    boleh tak kalau tukar beli kereta proton kepada perodua pada agrement loan?
    kalau boleh, apa yg perlu di buat dan brapa lama masa nak process.

    • Mybestcardealer.com October 10, 2011 at 6:58 pm

      Wasalam Shah,
      Bagi kes seperti ini, memang anda kene buat loan semula kerana jumlah loan pon lain-lain dan pihak bank ingin mengetahui model kereta yang bakal dibeli dan hubungi pihak kami di 019-3559448. Pihak kami dapat menyelesaikan masalah ini. no problem.

  306. Veron October 7, 2011 at 5:15 pm

    hi ,

    i plan to buy a kia forte 1.6 sx . My basic is 5k and sometime allowance will be add another RM300-1k and my down payment is 10 k . Currently , i have 1 loan with citibank ,monthly rm460 and 1 year to go . Is there any difficulty to get bank loan approve ?

    I have a kia sephia ( gear box have some problem) , is that possible to trade in to the kia dealer when buy the new kia forte ?

    • Mybestcardealer.com October 9, 2011 at 10:08 pm

      Hi veron,

      Based on the info given, you should not have any trouble getting the loan approved. However, regarding the trade in, you can check with our used car panels whenever you’re ready to deal with us. It would be great if you have a copy of the grant to show us. Call us 019-3559448.

  307. cabfee October 7, 2011 at 9:01 pm

    macam mana kalau saya ingin beli honda civic 1.8s with 0% downpayment..boleh ke?brape rate sebulan untuk 9 tahun?

  308. din October 7, 2011 at 11:08 pm

    Hai,,berapa kadar interest untuk perdana v6 tahun 2005?

  309. usha October 8, 2011 at 4:10 pm

    im a university student and i would lyk 2 buy perodoa viva without any guarantor..
    izzit possible??

  310. Alejandro Chris October 8, 2011 at 10:27 pm

    I’m a government servant with total salary around RM2100 (basic salary + allowances & after the deduction for EPF).

    I would like to buy Perodua Myvi 1.3 SXi with 25% down payment.

    Let’s say that I would like to pay for 6 years. So, can I know what is the lowest interest rate that I can get?

    Thanks..

    • Mybestcardealer.com October 9, 2011 at 10:17 am

      Hi Alejandro, the interest rate that you can get probably around 2.9% or slightly lower. The interest rate doesn’t really change that much unless you do less than 5 years.

      Model : Perodua Myvi 1.3 Manual (SXI) Metallic
      Price: RM 47,400.00
      Down payment: RM 10,665
      Interest rate: 2.9%
      Loan: 6 years
      Monthly: RM 599

      Feel free to call us at 019-3559448 (En Ihsan) and we’ll give you special promotion.

  311. Veron October 9, 2011 at 1:42 pm

    hi did you get my previous post ?

  312. 5Zan October 9, 2011 at 10:38 pm

    Im just wondering how much is the average interest rate for these 2nd hand cars

    1) Mercedes-Benz C-Class (2002) valued RM98000
    2) Mazda RX8 (2003) valued RM95000

    I appreciate your reply

    Thank you.

  313. vijay October 10, 2011 at 2:46 pm

    I AM A GOVT SERVANT ,I AM PLANNING TO BUY A TOYOTA CAMRY 2.0E, MY SALARY IS RM 3489.10.I PLAN TO TRADE IN MY KIA SPECTRA (2001).LOAN FOR 9 YEARS.DOWN PAYMENT AROUND RM 2,000 NOT INCLUDING MY TRADE IN. AM I ELIGIBLE?, MY WIFE IS DRAWING A MONTHLY SALARY OF RM 1,700. HOW MUCH TO PAY MONTHLY.

  314. Halimi October 10, 2011 at 11:43 pm

    abg sy nk beli toyota vios 1.5 G spec.
    basic salary beliau rm 6500 k.
    downpayment rm 8k.ikat 9 tahun.
    brpe interest terendah ley dpt?
    monthly brpe ek?
    tq.

    • Mybestcardealer.com October 11, 2011 at 1:12 pm

      Interest skrg berada dalam linkungan 2.70% dan monthly installment adalah seperti berikut:

      Price: RM 87,300 (Excluding promotion)
      Down Payment : RM 8,000
      Interest : 2.7%
      Period: 9 years
      Monthly: RM 912

      Kindly ask him to give us a call at 019-3559448 if he’s interested. We look forward to hearing from you soon.

  315. arul October 11, 2011 at 9:12 pm

    Hi,
    Sy berminat ngan ford fiesta xtr.
    Gaji basic: 3500.
    Brp interest sy layak kalau nk loan 7 tahun? Minimum D/P?

    My wife bleh jd guarantor kalau sy nyer income x cukup. Ada syarat utk guarantor? Eg. gaji bersih.

    • Mybestcardealer.com October 11, 2011 at 10:35 pm

      Boleh tiada masalah, minimum down payment bergantung kepada kelayakan dan kami perlu melihat dokumen tuan untuk membuat sebarang kata putus. Tuan boleh juga buat joint income loan bersama isteri dan ia tidak mempunyai masalah. Hubungi kami di 019-3559448 sebarang tempahan kereta Ford Fiesta.

  316. nurul October 12, 2011 at 3:10 pm

    saya plan nak guna skim ex graduate utk beli viva. now saya bekerja dengan badan berkanun dengan gaji 1200 n ada slip gaji. skrg just tolak epf je. layak ke untuk dapat kereta viva tu ?or ada prosedur lain?

  317. nurul October 14, 2011 at 1:02 am

    terima kasih atas reply.
    apakah syarat penjamin?
    jika saya nak beli viva manual n standard 1.0, agak2 berapa anggaran bayaran bulanan?adakah perlu downpayment?sebab saya bercadang utk wat loan penuh kalau layak.
    terima kasih

  318. Mybestcardealer.com October 14, 2011 at 9:10 am

    Syarat penjamin? Lebih elok jika terdiri daripada ahli keluarga dan mereka perlu bekerja untuk menjadi penjamin.

    Boleh apply graduate scheme untuk full loan dan kadar faedah 3.2%, Hubungi kami utk tempahan di 019-3559448.

  319. jer89 October 14, 2011 at 6:56 pm

    salam sejahtera..
    saya berumur 22 tahun dan ingin mengambil myvi se 1.5 manual ..
    berapakah interest rate yg dkenakan skiranya downpayment 10k dan juga bayaran bulanannya??
    saya bekerja dgn badan berkanun dan average gaji saya dlm 16++ hingga 2+++

  320. farhan October 14, 2011 at 11:12 pm

    Can i know (maybe it sound st*pid..sorry)
    1.Until when interest for LOCAL CARS will be from 2.9%
    2.Are all dealers in Malaysia using the interest?

    • Mybestcardealer.com October 15, 2011 at 3:22 pm

      Your first question is, anytime when the bank decided to change, then it will be changed.
      not all dealers are using the same interest rate because each dealer negotiates with different bank officer who provides the rates.

  321. Familyman October 17, 2011 at 1:42 am

    Am very interested in Sportage 2011.
    a) Anywhere I can get lesser than 10% on the down-payment? Have good payment record on current car.
    b) Kia take trade in for Year 2000 Silver E46 1.9? What is the price for it now? Thanks

  322. syam October 17, 2011 at 4:32 pm

    hi…saya staff gov..saya berminat dgn forte 1.6 sx..gaji bersih saya sekarang rm1100,wife gov jugak, gaji bersih rm750,saya nak bayar downpayment rm50000.00..layak tak saya ambil forte dan berape bulanannya?

  323. shidan October 19, 2011 at 1:01 am

    i’m interested on honda city (doesnt matter E or S grade or SE as long it is auto)..my basic salary 3.4k..with dp rm7k and for 9years..how much it cost monthly??i have working in private sector about 1.5year since graduated my degree..do i need a guarantor…

    or how much my dp if it is costing <900 monthly for 9years

    • Mybestcardealer.com October 19, 2011 at 8:59 am

      Based on the information given, you don’t need a guarantor and the interest rate now is around 2.7% for 9 years loan.

      Type S: RM 903 with 7k d/payment
      Type E: RM 961 with 7k d/payment

      You better make a booking in advance because Honda is having issues with their stocks due to the flood happened in Thailand.

  324. farn October 19, 2011 at 8:44 am

    hye im just woundering i what is the monthly installment for Forte EX 1.6 RM 78800…and my D/P will be rm10k…what would be my monthly installment

  325. nurul October 19, 2011 at 7:33 pm

    hai…sy nk tnye byran pertama insurans kereta untuk vios E NCD 25%…brpe ye byaran insurans untuk thn ke 2?tq

  326. dessy October 21, 2011 at 9:03 pm

    gaji bulanan saya basic+OT dalam 2500…dan sya ada pnjaman moto(rm170)…jika saya ada deposit sbyk 2000,adakah saya mampu membeli myvi extreme 1.5 manual???dan berapa installmentnye???

    • Mybestcardealer.com October 22, 2011 at 11:53 am

      Hi Dessy, of course you can.

      Bayaran bulanan adalah seperti berikut:

      Model: Perodua Myvi Extreme 1.5 (Solid) Manual
      Price: RM 58,200
      Down payment: RM 2,000
      Interest: 2.9%
      Tenure: 9 years
      Monthly: RM 656

      Hubungi kami di 019-3559448 untuk membuat tempahan. Jaminan servis yang terbaik untuk anda.

  327. azie October 22, 2011 at 8:54 am

    Sy nk tanye kalo toyota rush brp hrgnya?n brp monthly installment utk tmpoh 9 thn jika d.payment 10%…

    • Mybestcardealer.com October 22, 2011 at 11:41 am

      Toyota rush ada 2 specs:

      1) Type G: RM 96,264 (Solid Color)
      - Down payment : RM 9,600
      - Interest: 2.6% (approximation)
      - Monthly: RM 990

      2) Type S: RM 91,190 (Solid Color)
      - Down payment : RM 9,100
      - Interest: 2.6% (approximation)
      - Monthly: RM 938

      This calculation excludes cash rebate promotion if any. Kindly call us directly at 019-3559448 to find out for the latest promotion for this model.

  328. zx October 22, 2011 at 10:44 am

    Hi,
    Plan nak beli ford fiesta hatchback. basic salary rm3.5k. d/p most likely 10k. how much is the interest rate for 9yrs loan? do you recommend a long loan period? what’s the ideal loan repayment period you would suggest if you want to buy ford fiesta.
    Thanks

    • Mybestcardealer.com October 22, 2011 at 11:45 am

      Hi, If you plan to sell this car later in the future, we’d suggest you to go for 7 years as the market value for this model is not quite outstanding. If not, 9 years is what most people do. Which ford fiesta that you’re interested in ? The manual 1.4 or the auto with 1.6? Kindly contact us directly if you are in hurry at 019-3559448.

    • zx October 23, 2011 at 8:33 am

      Thanks for being honest.
      for auto, 7 yrs with interest rate of 2.9% that would make me pay approx 1k per month. ngam2 1/3 of monthly nett salary already. eheh. don’t really feel comfortable with that. i guess gonna look for another option then :( .long period of loan plus the rumored ford’s high cost of maintenance and spare part..sigh that really bugging my mind. but the nice look and 3yrs free service is really tempting too though.

  329. AMIR October 23, 2011 at 12:31 am

    hi,
    gaji bulanan sya rm2300++, sya brcadang ingin mngambil honda city E sblm kwin.. bolehkah loan sya approve utk 9thun? slain itu,sya bcadang buat personal load utk kwin nnt.. apakah langkah terbaik, buat loan kereta dlu@personal loan dlu? need some advice?

    • Mybestcardealer.com October 25, 2011 at 6:50 pm

      Kalau loan kereta approved dulu and you dapat kereta, kami takut pulak anda tak kawin kerana tak dapat buat personal loan. Terpulang kepada encik tentang mana yang penting. Jika sudah kawin, boleh buat joint income dengan isteri. Honda city sekarang pon tiada stock, kena tunggu 6 bulan kerana kilang di thailand tenggelam disebabkan banjir kilat.

  330. confusing October 23, 2011 at 5:21 am

    hi, can u explain on how the trade in car been calculate?izzit the balance amount must be settle up 1st or can be continue?im driving satria 1.3 2001 and still hve outstanding 7k-8k..salary ard 3-4k and slightly interested to trade with a brand new car plus 5k cash. might be honda city 1.5 E or insight..expected monthly payment ard 8++..kindly advise..

    • Mybestcardealer.com October 25, 2011 at 6:47 pm

      Hi, there’s no stock available for honda city. If you’ve the outstanding balance on your loan, and you want to trade in. Let’s say the market value is around RM 7k and your outstanding loan is 8k, then you have to pay extra 1k to the bank. If you are interested in insight, we have a lot of stocks for this model. Kindly call us at 019-3559448 for booking.

  331. Galvo October 23, 2011 at 11:53 am

    hi guys,

    Looking for a brand new mazda 3 1.6 ckd (M)

    downpayment : rm 5-7k. what will be the interest rate?

    Thank you,

    Galvin

  332. Ryan October 24, 2011 at 12:00 am

    Hi,actually I worked at Singapore with basic salary S$2k. Planning to buy new camry 2.0G facelift. With downpayment RM30k for 7years loan repayment! it that easy get loan approval from my situation? Thanks!

  333. hisham October 24, 2011 at 5:34 am

    saya nak beli satria neo harga dlm 31 k..gaji saya rm1500..tiba2 baru saya tau yg dulu saya ada jadi guarentor untuk rumah family saya..guarentor pertama ialah ibu saya yg bekerja sebagai guru..rumah tu bulanan dalam rm1700,,,walaupun saya tak bayar bulan2 utk rumah tu..adakah loan saya tidak lepas utk 30k??camne saya nak setel masalah saya?boleh bg pendapat tak?

  334. CONFUSING October 24, 2011 at 8:55 am

    i had post a comment regarding the trade in car..did u received it sir?

  335. ben October 24, 2011 at 11:56 am

    Hi, saya nak tanya sikit, saya baru mula bekerja sebulan setengah, dan gaji saya rm2600 sebulan. Saya ingin membeli used mazda 6 berharga 117k, ingin meletak downpayment sebanyak rm30k. Dan loan selama 9 tahun. Bank interest dalam 3.5%. Layak kah saya untuk bank lulus? atau saya perlu garantor still? (income pendapatan ibu daripada rental rumah dalam lingkungan RM2500 sebulan) Terima kasih

    • Mybestcardealer.com October 25, 2011 at 6:31 pm

      hi ben, most likely you need to have the guarantor because you just started working and by having the guarantor, it would be easier for you to get the loan approved because the amount of loan you’re trying to get is around RM 87k and your basic salary must be at least RM 3,000

  336. haf October 26, 2011 at 1:34 pm

    Hi, boleh sy tahu, untuk trade in perodua viva 1.0 premium MT, brape settlement yg perlu sy byr?

    Loan start paid on october 2008 until today, RM476 per month, for 9 years loan period.
    Full price if not mistaken around RM44k, and not sure the interest rate at that time.

  337. firdaus October 27, 2011 at 2:02 pm

    salam..boleh saya nak tahu harga pasaran untuk jual kereta vios model J (A) tahun 2009..warna putih.

  338. bell October 28, 2011 at 12:20 pm

    hai… saya berkerja swasta… bukan graduan… layak ke beli kereta saga flx tanpa deposit?? gaji bersih rm11oo.. tidak ternasuk elaun…

  339. Wan October 28, 2011 at 7:00 pm

    saya ber minat nak beli persona H-line with full loan with 10 years installment..saya baru graduate tahun lepas dan dah bekerja di sektor swasta…total gaji rm2700++ monthly…dah bekerja satu tahun…dah ada pinjaman asb RM210 monthly..mvm mana dgn situasi saya..blh @ tak??blh saya tahu interest ratenyer skali

    • Mybestcardealer.com November 10, 2011 at 7:20 pm

      Pihak kami tidak mensyorkan agar tuan mengambil pinjaman 10 tahun kerana ia akan menyusahkan anda sekiranya anda ingin menjual kereta tersebut di kemudian hari. Max = 9 tahun. Bayaran anda dalam lingkungan 7++ dan interest rate mungkin 2.9%-3.0% bergantung kepada kelayakan.

  340. wan October 29, 2011 at 10:56 am

    hello, i’m interested to buy persona h-line…i prefer to use grad scheme..but i graduated last year oct…am i qualified for that scheme??now i’m working in private sector since last year dec…my gross income monthly RM2.7K++…and i already have asb loan monthly RM210..i prefer 10 years installment…it is possible for me???

    • Mybestcardealer.com October 30, 2011 at 8:53 am

      Hi Wan, sure can but we don’t suggest you to pay 10 years installment. the maximum we would recommend is 9 years as you’ll have big problem later if you want to sell your car as the outstanding balance would be higher than the market value. Kindly call, Ihsan at 019-3559448 for more info. We’d tell you whats the next step once you have made your decision.

  341. Munnie Mun October 29, 2011 at 7:39 pm

    Hey, I am hesitating to buy a second hand kenari, 2004, 22.8k with full specs, is it worth to buy? They offered me the bank loans from PB, 7 years@3.8%. Is it the interest too high? Urgh. My friend kept saying the car is not worth to buy. Any comment? ((( Your reply is appreciated.

    • Mybestcardealer.com October 30, 2011 at 8:47 am

      Seriously, we’d say the same thing. It’s not worth it unless you really like that car. Kenari doesn’t have a good second hand value and the interest rate for the second hand car is very high. It would be best for you to buy a new myvi with an interest rate of 2.9% and less maintenance cost you’d have to pay for the next 2-3 years.

  342. duan October 29, 2011 at 10:36 pm

    tuan. saya bercadang hendak beli honda civic type R, 1.8 or 2.0. Brp down payment dan bulanan sebulan? berapa lama boleh dapat?

  343. Sarah October 29, 2011 at 11:46 pm

    Hi,

    I’m planning to buy satria neo cps(auto) or vios (auto). My basic salary are RM2700 and I have an outstanding cc balance. Do I eligible to buy any of this car? Which one is more suitable for my salary. Does it hard if I’ve got an oustanding credit card balance?

    Thanks.

    • Mybestcardealer.com October 30, 2011 at 8:34 am

      Based on the basic salary, you can either buy Honda City, Toyota Vios, Naza Forte or Ford Fiesta. Among all, we’d suggest you to purchase Naza Forte because of the value added that this model has. It has a reverse camera, nice audio system, pretty good interior and gas consumption is perfect. Based on your credit card balance, it is okay. We can deal with that but would you call us directly at 019-3559448 once you have made up your mind? We have dealers from every companies and don’t worry about finding any new dealers. :) Take care.

  344. Sarah October 30, 2011 at 3:43 pm

    Hi,

    Thanks for the reply…
    Btw,how bout the down payment? :-D

  345. dessy October 30, 2011 at 3:47 pm

    gaji bulanan saya basic+OT dalam 2500…dan sya ada pnjaman moto(rm170)…,adakah saya mampu membeli myvi extreme 1.5 manual???dan berapa installmentnye???

    • Mybestcardealer.com October 30, 2011 at 10:11 pm

      Hi,berdasarkan gaji anda, anda layak mendapatkan pinjaman untuk kereta tersebut. Down payment nak bayar berapa? Boleh kira monthly installment di {http://www.mybestcardealer.com/find-a-car/payment/} dan gunakan interest rate 2.9%.

  346. dravin October 30, 2011 at 6:53 pm

    good day, im dravin well my current basic salary about rm1500 and im just 21 well im looking for something suitable car with my current basic? do i eligible to get car loans. im willing to pay deposit rm 10k… specially interest with honda city…

  347. Sangkari October 31, 2011 at 5:20 pm

    Hi, My basic salary is RM2800, im planning to buy Proton Saga Auto (the cheapest if possible), could you help me in calculating the monthly installment for 7 and 9 years. Meanwhile, my down payment would be RM2000 or RM3000. Thank you.

    • Mybestcardealer.com November 3, 2011 at 8:45 am

      Hi Sangkari,

      The monthly installment is as follow:
      Model: Proton Saga FLX Auto Standard
      Price: Rm 41,148
      Down payment: RM 2,000
      Interest: 2.9%
      Period: RM 457 (9 years) and RM 561 (7 years)

      Call us at 019-3559448 for booking.

  348. Sepul November 1, 2011 at 12:23 pm

    Salam,

    Im interested to buy the Kia Forte but cannot decide to go for 1.6 or 2.0. Kalau 2.0 ngan 1.6 fuel consumption dia jauh sgt ke beza? any advice?

    Thanks

    • Mybestcardealer.com November 3, 2011 at 8:40 am

      2.0 and 1.6 consumption does not differ that much if your driving habit is to drive slowly. But if you are the type of a person who always drive fast and all, 2.0 would be best, as the gas consumption efficiency is much better and the engine is capable of doing less work to move the machine faster.

  349. Amirul November 1, 2011 at 7:11 pm

    Hi,

    My basic salary is rm670 with ot around 800-1.2k , im finding a 2nd hand car around rm15-20k , am i able to make a bank loan?im 20 uears old ,private company.

  350. Sham November 3, 2011 at 9:41 am

    Hi,

    I am planning to buy a MyVI(EZ).My basic salary is 3K.How much down payment should I make and
    what is the current interest rate for car loan?
    Please advise me on the best bank loan as I need to get a car ASAP.

    • Mybestcardealer.com November 3, 2011 at 12:10 pm

      Hi Sham, the best bank loan rate is around 2.9% or slightly less depending on your documents. We have plenty of stocks for Perodua Myvi, and kindly call us at 019-3559448 for specific model, transmission and color.

  351. shira November 3, 2011 at 1:45 pm

    kalau process trade kereta n nak beli kereta baru… rumit x? katakan saya nak trade in saga blm n nak amik inspira ke or swift ke… mcm mana tu? sekadar bertanya dan memerlukan pendapat.. tq

    • Mybestcardealer.com November 3, 2011 at 3:59 pm

      Senang sahaja kalau nk trade in kerana pihak kami akan membantu saudari dari proses penjualan kereta kepada proses pembelian kereta. Bila saudari sudah bersedia untuk membeli kereta baru, hubungi pihak kami di 019-3559448. Kami mempunyai dealer dari Suzuki dan Proton, tiada masalah untuk mana2 pilihan.

  352. dinkong November 3, 2011 at 2:49 pm

    hye..

    Gaji RM2200 ++..nak beli keta proton perdana V6 (used)..tahun 2006/2007..so,berapa maksimum loan bole saya apply??layak ke?belom pernah buat apa2 loan..thanx..

  353. Arad November 3, 2011 at 10:36 pm

    Berangan nak beli Honda City or Toyota Vios (AT). Gaji basic dalam RM2900 +/- fixed allowance boleh dapat RM3200 bersih (Kerja GLC). Kalau boleh 0% downpayment. Ada chances tak? Installment bulanan x nak lebih dari RM1000.

  354. Cheng Hon Leong November 3, 2011 at 11:33 pm

    Hi,

    Would like to know Mazda 2. My salary + commission RM2.5K. How much the down payment for Mazda 2? Any promotion/rebate?
    What is the interest rate for 9 years installment?

    • Mybestcardealer.com November 5, 2011 at 5:54 pm

      Which variant of mazda 2 that you’re interested in? We do have representative from Mazda and kindly call us directly at 019-3559448. The promotion varies every month and please contact us for the latest promotion.

  355. Guardiola November 4, 2011 at 10:54 am

    Hi,
    Saya Takaful/Unit Trust Consultant (kerja sendiri) with income abt RM3K++. Saya minat Fiesta/Forte tapi d/p tak cukup 10%.
    Layakkah saya utk beli model kereta di atas?
    Model yg mana lebih jimat utk maintain?

    • Mybestcardealer.com November 4, 2011 at 11:48 am

      Forte lagi berbaloi kalau nak diikutkan. Fuel consumption is very efficient and spare part and maintenance cost is much cheaper and easy to find. How long have you been working? do you have a fixed income? kindly call us directly and you don’t need to pay 10% to be eligible for the loan. Our number is 019-3559448

  356. Noah November 5, 2011 at 6:00 pm

    HI,

    Im planning to buy Inspira 1.8MT R3. My salary around RM2850++ and I also can get my claim around RM1+++ every month. I can dump 10% down payment for this car. May i know the interest rate and monthly installment for Inspira? Do you have stock for inspira R3? I can only pay below RM800 for installment. If the installment is higher than RM800, please suggest what type of car suit me well. I need a sedan car. Thanx.

    • Mybestcardealer.com November 7, 2011 at 7:58 pm

      Salam Noah,

      The monthly installment for Proton Inspira is around RM 830 and if you could add an extra 30 bucks, it would be great. Other than that, you may not have a better option than this. How about Myvi SE 1.5? or Proton Persona? Kindly call us for more information at 019-3559448.

  357. Izat November 6, 2011 at 4:16 am

    Saya bercadang untuk membeli Honda City Grade-s. Sekarang saya sudah mempunyai sebuah kereta hyundai i10 (2009) dgn bayaran bulanan sebanyak RM500. Gaji bersih saya setelah ditolak tax dan epf ialah RM3000. adakah saya masih layak untuk membuat pinjaman lagi?

    • Mybestcardealer.com November 7, 2011 at 7:08 pm

      Hi izat, stock honda city sudah tiada and stock baru dijangka tiba dalam tempoh 6 bulan kerana banjir yang berlaku di thailand. Boleh pihak kami dapatkan baki hutang kereta anda? Kami khuatiri market value kereta anda lebih rendah daripada baki hutang anda dan anda perlu membayar selebihnya.

  358. wan November 6, 2011 at 8:29 am

    http://www.mudah.my/Mitsubishi+evo+9+2+0+m+turbo-11573550.htm

    berapakah bulanan untuk kereta ini jika sy byr 10% downpayment ? berapakah anggaran interest rate ? lepas tak dgn gaji rm3700 sbulan ?

    • Mybestcardealer.com November 7, 2011 at 7:04 pm

      Bro, better call diorg terus kerana mereka mungkin ada panel bank yang dapat menawarkan interest rate yang rendah. Kalau gaji tu, memang lepas. Kami rasa tak worth it beli tu, baik angkat civic baru. Harga dah sama and maintenance lebih murah.

  359. pRincEsS_N November 8, 2011 at 5:17 pm

    nak tanya…
    1) Skrg pkai Perodua Viva EZ (Auto) 2007,loan 7thn. So, kalau nk refinance berapa interest rate skrg? Suggestion bank yg boleh refinance? klo bole nk refinance lg 5-7tahun & mcm mana prosedur dia?

    2) Market price nk trade in Proton Saga BLM 1.3 M-Line (Manual) berapa skrg?

  360. iwan November 8, 2011 at 8:46 pm

    Hi saya planning nak beli kia forte 1.6..downpayment 8k, basic salary rm2500, baru kerja 1 year, is it possible? berapa monthly payment and interest rate for 9 years?

  361. dessy November 8, 2011 at 11:33 pm

    brape gji pling mnimum utk layak beli kereta myvi extreme??

    • Mybestcardealer.com November 9, 2011 at 9:58 am

      Down payment berape? Model auto or manual? Gaji basic must at least 3 kali ganda lebih besar daripada bayaran bulanan kereta tersebut. (Contoh) : Bayaran bulanan RM 500, gaji basic sekurang2 nya perlu melebihi RM 1,500.

      • dessy November 29, 2011 at 4:58 pm

        dlm 3000 down payment…myvi extreme manual….agk2 lps x klu gji basic 1800??

      • Mybestcardealer.com November 29, 2011 at 9:50 pm

        Bayaran bulanan diaggarkan berada dalam RM 650 (D/payment: RM 3,000, interest: 2.9%) dan lebih elok bagi saudara untuk mendapatkan model SE manual untuk mendapatkan kelulusan yang lebih mudah. Hubungi pihak kami di 019-3559448 jika anda berrminat untuk membuat sebarang tempahan.

      • dessy November 29, 2011 at 9:55 pm

        tp gji basic +ot bole smpi 2500…bole lps x??klu SE manual ade gps x??n ape bze SE manual ngn extreme??

  362. Noah November 9, 2011 at 1:11 am

    Thanx for the suggestion..how about waja cps 2011? is it worth to buy?

  363. ZAMRI BIN OTHMAN November 9, 2011 at 7:49 am

    Hi, bank manakah yang menawarkan nilai interest loan kereta semasa yang paling rendah?

    • Mybestcardealer.com November 9, 2011 at 10:04 am

      Semua bank hampir menawarakn kadar sama cuma Ia kadang-kadang bergantung kepada bank panel dan dealer kereta itu sendiri yang dapat nego untuk mendapatkan rate yang rendah. Nk buat loan kereta baru ke?

  364. alan November 9, 2011 at 10:24 am

    hi,

    saya pakai kereta persona 1.6 M line.. beli bulan 10, 2009. Masa beli kereta ni, ambil loan Maybank untuk 9 tahun bayar. sebulan bayar RM594. kalau nak trade in Honda City 1.5E auto, atau Vios 1.5E auto, monthly bayar berapa agak2 ye?

    • Mybestcardealer.com November 10, 2011 at 6:53 pm

      Hi bro, kena check dulu baki hutang berape. Dikhuatiri baki hutang anda lebih tinggi daripada market value dan anda perlu topup perbezaan harga tersebut. Honda city takda stock tapi kalau buat 10% down payment, dalam RM900+

  365. Nurul November 9, 2011 at 11:24 am

    Hi,
    saya nak beli kereta Saga FLX (1.3 AT) executive (s) atau Myvi 1.3 EZI color solid white.. kalau down payment dalam rm 3k, berapa agaknye bayar sebulan? untuk tempoh 9 tahun? berapa rate terbaru untuk interest sekarang?
    gaji bersih saya dalam 1.6k..

    • Mybestcardealer.com November 10, 2011 at 7:18 pm

      Proton Saga:
      OTR: RM 44,5498
      Down payment: RM 3,000
      Interest : 2.9%
      Tempoh: 9 tahun
      Bulanan: 485

      Perodua Myvi Ezi
      OTR: RM 49,900
      Down payment: RM 3,000
      Interest : 2.9%
      Tempoh: 9 tahun
      Bulanan: 548

      Jika anda berminat, sila hubungi kami di 019-3559448 (Ihsan) untuk membuat tempahan.

  366. ridh November 9, 2011 at 3:26 pm

    Hye,jika saya bercadang ingin membeli kereta second hand toyota vios,rate harga dalam 50k…saya ingin byr muka dlm 4k,tampoh loan dlm 7tahun.berapakah bayaran bulanan yang perlu saya bayar dan bank yg sesuai untuk membuat loan..
    gaji bersih saya Rm1650…

    • Mybestcardealer.com November 10, 2011 at 7:14 pm

      Pihak kami tidak pasti tentang interest rate bagi used car dan mungkin anda memerlukan penjamin untuk mendapatkan kelulusan. Sudah berape lama berkerja? Untuk mendapatkan anggaran bayaran bulanan, boleh guna calculator online kami di {http://www.mybestcardealer.com/find-a-car/payment/}

  367. mr.F November 9, 2011 at 3:52 pm

    tumpang tanya,

    *saya ada kes pelik sikit*

    saya bekerja di syarikat swasta selama 1yr+ (fresh grade,1st job) , dan gaji saya bukan dipanggil gaji tapi allowance. No EPF & no SOCSO. Monthly basic rm2500, bersih rm2434
    commitment : kembara 2001 , rm360/mth(balance :2.5yrs, rm11k) and home loan, rm859/mth (mula byr Feb 2012)

    Soalan :

    adakah saya layak untuk membeli kereta ? memandangkan slip gaji saya bukan ditulis gaji tapi allowance.

    p/s : kembara itu bukan atas nama saya. hanya sambung bayar.

    thanks in advance

  368. faiz November 11, 2011 at 3:22 pm

    Salam,

    sy nak tnye..saya pakai kereta neo 1.3 auto thn 2006..Masa beli kereta ni, sy pakai full loan maybank n bulanan RM500+ if sy planning nak trade in dgn neo cps solid manua RM57313, monthly bayar berapa agak2 ye n perlu tmbah duit ke? cps ad stock lg ke?sbb HQ proton da xda stock

  369. stomach ache November 11, 2011 at 8:34 pm

    just want to ask your opinion:
    which one will be worth for me to buy 1st car:
    1) new pesona m-line(A) – rm56k
    2) 2nd hand vios -E spec (A) year 2006 – around rm53-57k

    i plan to make a full loan with 9 years payment
    my salary around rm2500/month
    i’m a little bit confuse because i don’t know the interest rate now and i plan to sell it after use around 3-4 years
    could you give your opinion?
    thanks in advance

    • Mybestcardealer.com November 26, 2011 at 12:59 pm

      The interest rate for used car is around 3.5 and above and it might cost you a lot. The best option must be the new persona as you don’t need to worry about the maintenance cost for the first few years after the purchase and the spare part for this model is cheaper and easier to find. Call us at 019-3559448 for booking.

  370. aiman November 13, 2011 at 9:46 pm

    hi…saya berminat untuk beli proton persona/satria neo…fresh grad n baru keje dlm sektor swasta…gaji bersih RM25++…brape kne bayar bulan2? n mntk suggestion kreta mne yg lebih berbaloi?

  371. adnan November 15, 2011 at 11:58 am

    salam..ingin bertanya..sy keja swasta dn berpendapatan rm2.5k.sdh berkeja hmpr 3taun..sy ingin membeli toyota vios 1.5j AT,downpayment 20k..jdi bpe interest rate dn monthly yg sy kne byr??loan 7taun atau 9taun..thanx..

    • Mybestcardealer.com November 15, 2011 at 5:32 pm

      Wasalam,

      Bayaran bulanan adalah seperti berikut:
      Price: RM 76,090
      Downpayment: RM 20,000
      Interest: 2.7%
      Monthly: RM 645 (9 years) and RM 794 (7 years)

      Hubungi pihak kami di 019-3559448 jika anda berminat untuk mendapatkan perkhidmatan kami.

  372. nahza November 16, 2011 at 12:27 am

    salam

    sy sdh bekerja di syarikT swasta almost 1yr /1st job.monthly basic rm2100/month
    belum pnah apply any loan.
    sy interested for 2nd hand honda civic 2005 price range 60k – 65k.
    or toyota vios 2nd hand year 2004-2005 price range 50k-60k
    boleh ke deposit 5k and apply loan utk 9taun?
    or u advised me getting a new car?

    • Mybestcardealer.com November 23, 2011 at 8:41 am

      I would suggest you to get a new car as the interest rate is much lower and you don’t have to worry about the maintenance cost. The difference for the monthly installment won’t be that much. Kindly call us for more information.

  373. Calvin November 16, 2011 at 11:42 am

    Hello,

    I would like to inquire the monthly repayment of several cars, as follows:

    Hyundai i10 (Top Spec)
    Suzuki Alto (Top Spec)
    Perodua Myvi (EZi)

    My details are as follows:
    Downpayment – 15k
    Working experience – 4 years plus
    Monthly Salary – 2.8k and above
    No other commitments

    Thank you for your time and attention in this matter.

    • Mybestcardealer.com November 23, 2011 at 8:46 am

      Perodua Myvi Ezi
      Price: RM 50,400
      Interest: 2.9%
      D/payment: RM 15,000
      Monthly: RM 413

      Hyundai i10
      Price: RM 54,888
      Interest: -+ 2.7%
      D/payment: RM 15,000
      Monthly: RM 460

      Kindly call us at 019-3559448 for more information on the latest promo for i10 and Suzuki Alto.

  374. syasaru November 18, 2011 at 11:46 pm

    salam..saya baru bkrja 3 bln(petronas),gaji bersih 1360..layak x dpt loan utk vios j manual?guarantor gaji dlm seribu lebih..berapa min dpayment.bleh x dpt full loan..bgaimana dgn monthly instlmnt?u ada dealer dekat sabah?

  375. syi89 November 20, 2011 at 3:40 pm

    saya berminat utk membeli saga flx executive auto…d/p 12k.. brapa agaknya interest rate yg boleh sy dapat kalo sy bercadang nk membeli pada januari 2012?

  376. nik November 21, 2011 at 2:15 pm

    salam,
    basic sy 2k n sy nk bli myvi extreme kuning(solid) atau hitam(metalik). sy nk buat 9thn
    -bule ke dpt 2.9% interest n bank ape ek?
    -ape lagi slalu nye sy buleh dpt.
    -brape lme klu slalunye kne tunggu? tau dh ready stok

    trime kasih.

    • Mybestcardealer.com November 21, 2011 at 4:31 pm

      Wasalam nik,

      Myvi Extreme tiada stock lagi tetapi stock akan sampai dalam masa 1-3 minggu selepas booking. Stock sekarang boleh dapat dengan cepat kerana pihak kami boleh mengambil kereta drpd branch dealer lain. Interest rate boleh dibuat dgn maybank. Nik juga boleh dapat free gifts daripada pihak kami seperti full tank, smart tag, touch n go, tinted voucher dan lain-lain. Hubungi pihak kmi di 019-3559448.

  377. Nurul November 21, 2011 at 4:35 pm

    boleh tau x ofis ni kat mane ye…

  378. Mybestcardealer.com November 21, 2011 at 5:18 pm

    Proton showroom (Puchong) or Perodua Showroom (Sri Petaling). Hubungi En. Ihsan di 019-3559448 untuk membuat temu janji.

  379. Hakim November 23, 2011 at 9:46 am

    As Salam..sy ade pertanyaan..ade sorg member sy beli Satria Neo beberapa bulan lalu..and die btau sy yg die apply loan utk Satria Neo 1.6 CPS (or H-Line..sy xingat)..n den once da approved, die beli yg Satria Neo 1.6 M-Line yg mane lebihan drpd loan yg dibuat utk CPS/H-Line itu td, digunakan sbg D/P utk Satria Neo 1.6 M-Line yg die miliki skrg ini. (Dengan erti kata lain, die tdk mengeluarkan sebrg duit utk wat D/P, sebaliknye hanye ‘pusing’ je loan CPS yg telah lulus sbg D/P)

    Justeru, pertanyaan sy ialah, blh kah method yg sedemikian digunakan jika sy ingin membeli Kia Forte 1.6 SX? Maknenye, sy apply loan utk yg Kia Forte 2.0, tetapi sy guna utk beli Kia Forte 1.6 SX dimana lebihan loan itu td sy buat utk D/P.

  380. SRI_BOYZ November 23, 2011 at 10:24 am

    HI
    HOW MUCH SAGA FLX PRICE…
    CUZ MY AGE IS 22 CAN I APPLY TIZ CAR
    MY SALARY RM 2,200 PLUS OT ALL??

  381. dinziqah8788 November 23, 2011 at 10:30 am

    Hello…nak bertanya….kalau amek mitsubishi lancer 2.0 GT / EX tahun 2007 second hand, brp ye kadar interest yg latest?

  382. dinziqah8788 November 24, 2011 at 7:57 am

    maklmumat kewangan : Sy keje gov. gaji bersih 2369…….tiada rekod blacklist….kredit kad ok…yg ade cuma hutang ptptn yg x selesai je lg…huhu…baru setahun berkhidmat….

  383. SabahGuy31 November 24, 2011 at 11:32 am

    I’m planning to get this Kia Forte 1.6SX for about RM80K ++…Is there any possibility for me to get a full loan from the bank or make a down payment of less than 10%? I do not have other commitment so far and my gross income is about RM4k.

    Thanks.

  384. Vignesh November 25, 2011 at 9:59 am

    Hi there,

    My basic is Rm3000.So i’m planning to get suzuki swift GL or suzuki swift GLX.
    Downpayment around 6000(nt sure).how much is monthly installment for 9 yrs? how much will be the monthly payment.Is that possible the monthly payment will be around rm600++.Calculate for me.Thnks.

  385. khai November 26, 2011 at 7:09 pm

    hai…
    vios tpy J auto and E (matalit)
    how much monthly if i pay d/p 100000
    what a FOC i can get
    goment salary 2500/m

  386. UnazaU November 28, 2011 at 10:56 am

    salam…saya b’cadang nak beli Naza Forte 1.6L DOHC CVVT EX – RM 75,800.00…gaji bersih sebulan 2.5-2.7k (termasuk OT and allowance)…kerja swasta dah setahun and first job…just graduate last year october..nak wat full loan with 9 ys installment..leh bagi cadangan tak and braper nak bayar monthly???

    • Mybestcardealer.com November 29, 2011 at 9:20 am

      Wasalam, we have to check if you’re still eligible for the graduate scheme bc you want to get the full loan right? Interest rate would be lebih skit under this scheme. Kalau boleh dapatkan penjamin, lebih elok.

      Monthly: RM 904 (under grad scheme – int 3.2%)

      If you could find a guarantor, pay 5k d/payment: Monthly RM 815. Hubungi saya di 019-3559448 jika anda berminat.

  387. Jozerffer November 29, 2011 at 11:58 am

    Hi,

    I would like to ask what is the currently best interest rate from which bank for perodua myvi 1.3 Ezi?

    My monthly clean income RM2200, i have work for a year, no credit card commitment, looking for 5 or 6 year of installment and i able to pay 10% d/p.

    Am i eligible for a loan?

    Currently i saw from perodua website there is possible i can get as low as 1.88% interest rate. how to apply that?

    thanks.

    • Mybestcardealer.com November 30, 2011 at 9:07 am

      The low interest rate promotion only applies to Perodua viva model. The current interest rate is around 2.9% and the monthly payment is as follow:

      Model: Perodua Myvi 1.3 Ezi Auto
      Price: RM 50,400
      Down payment: RM 5,040
      Interest: 2.9% or lower
      Period: 5 years (Monthly: RM 866)
      Period: 6 years (Monthly: RM 740)

      Give us a call at 019-3559448 if you have any questions.

      • Jozerffer December 1, 2011 at 2:09 pm

        You mention 2.9% or lower. What possible way to get lower interest rate? Thanks for the information. I did call the number but no one answer my call.

  388. Jack November 30, 2011 at 4:46 pm

    hello i am currently having loan with public bank @ RM10k for my hyundai accent 04 AT. i would like to ask what procedure i need to proceed in order for me to get a new car? i need to settle off the loan 1st then only i can get the car or i can trade in to the car dealer and doesnt have to settle off the loan? what kind of new car i can get if my budget is around 500 – 600? not local car thanks :)

    • Mybestcardealer.com December 6, 2011 at 9:01 pm

      You need to check the outstanding loan balance of your car and basically, if your outstanding balance is less than the market value of your car, you will get the difference, otherwise, you have to pay the difference. Based on your monthly figure, Hyundai i10 would be the best choice for you.

  389. kembun December 2, 2011 at 6:27 pm

    Salam… Saya bercadang nak amik KIA FORTE 1.6SX…. Gaji pokok 2800 + elaun tetap 200 (xpotong EPF & SOCSO lagi tu)…
    So, boleh ker saya xbayar dpayment? bulan2 berapa perlu saya bayar? interest sekrang, berapa?
    saya 23 tahun now.. xder loan sebelum ni except PTPTN..

  390. mccuttie December 3, 2011 at 7:27 pm

    Hi, Im looking for MYVI SE1.5 Auto (Metallic).
    What the latest interest rate for this car?
    How much installment per month if I do 10% downpayment and for 7 years?.
    I already attached to housing loan, can I get 90% loan?
    Thanks a lot for your info

    • Mybestcardealer.com December 5, 2011 at 11:10 pm

      Whats your basic salary?

      The latest interest rate for this model is 2.9% and the monthly installment for 7 years would be RM 695 with d/payment of RM 5,390. Call us for more information at 019-3559448.

  391. Nagu December 4, 2011 at 10:12 pm

    Planing to buy myvi , what’s minimum payment

  392. akmal azmi December 5, 2011 at 6:22 am

    Salam nk ty berapa interest rate utk merc c200 w203 second hand

    thanks

  393. jack December 6, 2011 at 9:05 am

    i have a hyundai accent 04 AT, may i know what’s the market value and how much if i trade in?

  394. Tim December 6, 2011 at 6:30 pm

    What is persona elegance H LIne price after discounted and the interest rate?
    Rm12k downpayment, Rm3k monthly income with house loan rm560

  395. Lanx December 10, 2011 at 6:10 am

    hello.saya ingin membuat personal loan utk membeli kereta 2nd hand. harga bawah 20k.
    basic salary saya rm1200.+OT rm1000>rm1300. total monthly rm 2500+-.
    boleh ke saya ingin membuat personal loan sebanyak rm15k.???

  396. sehan December 10, 2011 at 1:18 pm

    hi,
    planning 2 gt swift glx rm75788.salary rm4.5k p/mth, dwnpyt rm15k..hw much d instal for 7 or 9 yrs loan?wat is d int rate like?

  397. INDAH December 10, 2011 at 2:42 pm

    hi admin,

    saya baru kerja 7 bulan syarikat swasta sbg system engineer, sudah confirmation sejak bulan ketiga lagi.. basic rm1800, allowance rm150, net pay 1750 setiap bulan.. tak terikat dgn mana-mana loan bank.. bulan-bulan saya dapat simpan rm1000 sebulan dlm bank.. kalau downpayment rm10k, ada tak harapan saya nak angkat KIA FORTE 1.6SX? bulan-bulan berapa kena bayar? mcm mana dgn interest rate?

    p/s: kalau tak lepas, berapa downpayment sekurang-kurangnya saya kena bayar?

    • Mybestcardealer.com December 12, 2011 at 9:06 pm

      Mengikut basic salary saudara, memang ia tidak melepasi syarat dan jika saudara berminat, disarankan agar tuan dapat mengeluarkan RM 15k- 20k dan cuba dapatkan penjamin kerana ia dapat membantu anda dalam mendapatkan kelulusan dengan lebih mudah.

  398. Ms Nurul December 11, 2011 at 10:45 am

    Hi,

    is it possible for me to buy Kia Forte 1.6SX with basic salary 2.2k?And, what is the minimum d/p I need to pay and what is the interest rate now?

  399. Daud December 11, 2011 at 9:22 pm

    hi…
    i want buy produa mayvi. My monthly salary around RM800, can me put 2k d/payment? (sy ade penjamin).

    here my spec:

    1. mayvi 1.3L SX
    2. solid colour

    sy tinggal kat kota kinabalu sabah.
    pls kirakan interest rate and bayaran bulanan for that car

  400. Ms Nurul December 12, 2011 at 12:57 am

    Okay,

    Thanks..

  401. mankind December 12, 2011 at 3:04 am

    hi

    im interested with the new honda city bt abit dissapointed due to stock availabilty. i couldnt wait till 6months . my question is..if i just take new current stock (2011) on the coming year (2012)…am i eligible to 2.7% interest rate? assumes as new car.. ya im interested w NHC..any advise?

    • Mybestcardealer.com January 5, 2012 at 12:32 am

      No stock is available for this model and we’d recommend you to get a different model as the waiting period is unknown. The interest rate may remain the same within this short period but the bank is getting more strict on giving the loan approval.

  402. INDAH December 12, 2011 at 1:18 pm

    hi..

    sorry.. did you get my question? sent it 2 days ago.

  403. dilla December 13, 2011 at 5:21 pm

    hi,

    bagaimana sy nak trade in proton waja cps at. (2008) dengan honda city full spec..sy bkrja krjaan gaji brsih lbh krg 2k..

    • Mybestcardealer.com December 13, 2011 at 8:37 pm

      Stock kereta tidak ada masa sekarang dan anda mungkin perlu tunggu at least 3-5 bulan untuk mendapatkan nya kerana banjir yang berlaku di Thailand. Berapakah gaji basic anda?

      • dilla December 14, 2011 at 11:47 pm

        gaji basic sy skrg rm2148 dan akan brtmbh januari ini..biasanya akn brtmbh dlm + – rm90 sethn tp gji yg trbaru ni (SBPA) x sure lg la brp akan brtmbh..

  404. Ray December 13, 2011 at 11:08 pm

    Hi, planning to get a Honda CRZ, OTR RM115k, planning to loan around 95k. My basic 4.2k (gross), but has other commitments sum up to around 2.3k. Got other sort of income, but is cash basis, possible to loan?

    Father can be guarantor? but he retired, need what kind of documents?

  405. Kayel December 14, 2011 at 7:13 am

    I’m taking a proton saga in December 2011. Kindly advise is it worth to take December 2011 car or should I take in January 2012? Will you be able to know how much difference is the depreciation? Heard that cars price are gonna increase start from January 2012. Is it true?

    • Mybestcardealer.com December 14, 2011 at 9:31 am

      Rumors only apply to Perodua 1.5 if we’re not mistaken but the interest could be higher thus make the monthly payment a bit higher, not the car price. The market value between 2 cars with the difference of 1 year could range from RM 1-2k, but depending on when you want to sell it.

      • Kayel December 14, 2011 at 8:50 pm

        But one of the proton’s dealer shown me a memo from proton regarding about price increase min. Rm2000 in Jan 2012. Wonder if it is true.

  406. Sehan December 14, 2011 at 10:49 pm

    planning 2 buy swift glx rm75k+, my mthly salary rm4.5k n plan 2 put rm20k 4 dwnpyt. How much will d instal b if tk loan for 7 or 9 yrs. Wat is d int rate like?

  407. awang December 16, 2011 at 4:30 pm

    Hai…saya government servant. kerja less than 1 month. salary RM 3.5-4k/month. saya nk beli chevy cruze sport or honda insight. boleh ke saya nk loan “0″ downpayment? brp monthly saya kena bayar?

    • Mybestcardealer.com December 16, 2011 at 4:59 pm

      Kami tidak mempunyai chevy dealer dan jika anda berminat dengan honda insight, sila hubungi kami dan yes, anda layak untuk mendapatkan pinjaman penuh melalui graduate scheme. Sila hubungi kami di 019-3559448 untuk maklumat lanjut.

  408. amer December 17, 2011 at 1:50 pm

    hi.. saya ingin membeli toyota vios J (M) gaji saya full RM1300….
    plan 2put d/p rm20k…

  409. erin December 17, 2011 at 2:30 pm

    Hello…
    im looking for new honda CR-Z.
    is there any graduate scheme to buy it?
    im a gov.servant with 4k salary,but i still dont get pay slip.
    can i make loan without pay slip?

    thanks..

    • Mybestcardealer.com December 19, 2011 at 5:41 pm

      Hi erin, it is weird that you dont get the pay slip. Do you have any reasons to that? Do you have your job offer letter? You can apply under graduate scheme but we wont suggest you to do that. If you’re really interested, you need to get someone to be your guarantor. Otherwise, lesser chance for you to get your loan approved.

  410. Han December 19, 2011 at 12:25 am

    Hey thr. I just graduated, n working as sales, need travel alot. My basic salary is 2k per month. could loan about 600-700per month. up to 9years. any car recommended? do I applicable for graduate scheme?

    • Mybestcardealer.com December 19, 2011 at 2:12 pm

      Yes you’re eligible for the graduate scheme. We’d suggest you to get either Proton Saga FLX or Perodua Myvi. Both of these models would give you a better fuel consumption and they fall within your budget. Kindly call us at 019-3559448 if you need further assistance.

  411. Han December 19, 2011 at 12:26 am

    any rebate for me ? for I looking for a durable car but limited budget. Thx in advance!

    • Mybestcardealer.com December 19, 2011 at 2:14 pm

      It depends on the model and spec. Really need to find out the specific model that you’re interested in and we can always negotiate on this. Kindly call us directly to find out the latest promotion.

  412. Nurul December 19, 2011 at 3:54 pm

    Dear Admin,

    I’ve read the comment above regarding the increase of Myvi price on January. is it possible to do that? what is the reason of increasing the price? kindly advise where to turn or make any enquiries regarding matter..Is it true that the interest rate are usually lower during Chinese New Year?

  413. Mybestcardealer.com December 19, 2011 at 5:32 pm

    Yes Nurul, the expected increase in price would happen to Myvi 1.5 only. That’s what we heard and Perodua is absorbing some portion of the tax fee at this moment. They are likely to increase the price next year. Regarding the interest rate, it really depends on the bank actually but this year’s interest rate has been so low this year and the rate is more likely to increase next year. When are you planning to purchase this model?

  414. dayu December 20, 2011 at 12:47 pm

    hai…just nk minta pendapat…
    i wanna sell my saga blm yr 2008 wth mileage 70,000km..
    and wanna upgrade to honda civic..
    berapa interest rate utk used car civic?..or shud i amik new car je ? tp boleh x i dpt new car civic yg i mampu utk byr installment 900-1000?..

    hoping that u can give some advice…tqvm

  415. sara December 20, 2011 at 1:03 pm

    hi..i plan to buy myvi 1.3 premium auto metallic..im graduated jun 2011…start work a month after that with basic salary rm2.5k(after deduct the epf)..
    1) can i pay downpayment around rm1k-2k only?
    2)how much i have to pay monthly?
    3)how much the interest?
    4) any rebate(if book this month)?
    5) what is the free gift?
    6) if i order early of next month, which is 1st or 2nd week on jan 2012..the interest still same or not?

    • Mybestcardealer.com December 21, 2011 at 4:53 pm

      Hi Sara, it depends on whether you want to get stock 2011 or 2012. If you want to avoid from using graduate scheme (3.2% interest), it would be best if you could ask your parents to be your guarantor. Normal loan interest rate is 2.9% and we have no clue if the interest rate is going to change in the near future. Kindly call En. Ihsan at 019-3559448 for further assistance.

      • sara December 22, 2011 at 5:15 pm

        stock 2012 will be available in january? i heard it will be in market around march or april..is it true?

      • Mybestcardealer.com December 22, 2011 at 6:05 pm

        New year stock should never come later than the first month of the year. Process of handling the loan application, registration and etc may take up one week and you can always make a booking either end of this week or early next month. It doesn’t really matter as we can proceed the loan application process first.

  416. jedi December 20, 2011 at 2:12 pm

    hi, i just graduated this yr and working right now. my salary is about RM1.5k++ per month. i want to buy new kenari with d/p 10%. can i apply for loan and how much is the monthly payment? is it kenari or myvi better based on my salary. TQ

    • Mybestcardealer.com December 21, 2011 at 4:43 pm

      Hi Jedi, kenari model has been phased out and Myvi 1.3 would be the best option for you. If you want to avoid from using graduate scheme (which means higher interest), we would recommend you to get your parent to be your guarantor. Kindly call us at 019-3559448 for further assistance.

  417. Nurul Irzani December 21, 2011 at 10:44 am

    dear admin,

    model = honda or toyota
    reg year = 2008 and above
    mileage = less than 50000
    affordable monthly installment = rm550
    down payment = rm0

    is this possible?

  418. Ms Chin December 21, 2011 at 6:10 pm

    Hai,Im a government servant.working as Staffnurse.My basic is RM1493.44 and my salary is around Rm2493.44.I want to have myvi elegance auto for 9 years payment.how much i have to pay for a month and am i affort to pay it.i havent make any loan yet.thank u.

  419. Sya December 24, 2011 at 4:50 pm

    Hi,

    Gaji basic 2300, 2years working,age 25. Myvi Extreme 1.5Manual with 0 downpayment boleh ke?

  420. zool December 26, 2011 at 4:08 pm

    Gaji bersih saya RM 1120.00, ingin membeli saga 1.3 AT Solid, berapakah interest? bayaran bulanan? dan downpayment?

    sekirannya tanpa downpayment… bolehkah saya membelinya?

  421. erin December 27, 2011 at 12:07 am

    Hello…finally i got payslip…
    after making choice to buy crz or grand vitara, i decided to buy suzuki grand vitara as my 1st car.
    can i get “0″ downpayment for that car?
    im gov.servant with salary+allownce around 4k.
    how long it takes to settle loan with bank and how long i have to wait to get my new car?
    how much i need to pay per month for 9 years loan?

    thank you…

  422. Angah December 27, 2011 at 9:53 am

    Satria neo second,harga 30k full loan bulanan brapa

  423. syam December 27, 2011 at 4:23 pm

    hye my basic salary rm2200,i like to buy alza auto..solid colour..if my d/p is 0..how much i need to pay per month for 9 years and what the interest rates?

    • Mybestcardealer.com December 28, 2011 at 9:19 am

      The interest rate for full loan would be around 3.0% instead of 2.9%. The monthly installment is as follow:

      Model: Perodua Alza Premium Autp
      OTR Price: RM 63,490 (before discount)
      Down payment: 0 down payment
      Discount: (Call for the latest promotion)
      Interest: 3.0%
      Period: 9 years
      Monthly: RM 747

      Hubungi kami di 019-3559448 jika tuan berminat.

  424. Chin Wai Hou December 29, 2011 at 10:01 am

    Will the rate of interest raise next year? how many approximately? thank you.

  425. zool December 29, 2011 at 10:24 am

    x layan pun erin dengan zool… hmmm

  426. bobo December 30, 2011 at 10:42 am

    what is the price for hyundai avante(elantra)?? manual and auto transmission

  427. syedsnaziro December 30, 2011 at 9:35 pm

    hello…..can i knw the price for hyundai avante elantra….auto n manual trnmssn…

  428. fazrid December 31, 2011 at 6:33 pm

    hi… nak tanya?

    1. kereta yang boleh buat full loan?
    2. blacklist tapi dh buat full setelment boleh apply full loan x?
    3. basic >rm5k

  429. adz January 2, 2012 at 7:11 pm

    Saya berminat dengan Kia Forte 1.6SX (A).Saya ingin bertanya adakah saya layak untuk memohon loan dengan bank?.Gaji basic RM 1928.Termasuk OT dan allowance RM 2500++.Dah ada pinjaman rumah murah RM 250 setiap bulan dan rekod baik dgn bank.Masalah sekarang adalah saya bekerja kontrak.Adakah bank akan meluluskan pinjaman jika saya meletakkan 10% down payment dan jadikan abang saya sebagai guarantor?.

    TQ

    • Mybestcardealer.com January 2, 2012 at 10:08 pm

      Kami boleh cuba tolong apply loan and sila forward dokumen kepada pihak kami jika anda berminat. Dokumen yang kuat adalah ibu, bapa atau isteri (jika sudah berkahwin), jika anda ingin menggunakan abang anda sebagai guarantor, kami boleh cuba dahulu. Sila hubungi pihak kami di 019-3559448.

  430. Jess January 3, 2012 at 10:21 am

    Good Day,

    I would like to get Vios G spec or Honda City full spec ;

    -workin more than 6 years
    -salary basic RM3100

    Is it possible to get the car ;

    -without any down payment
    -loan for 9 or 10 years

    Kindly advise further.

    Thank You

    Regards,
    Jessica

  431. YNWA January 3, 2012 at 12:09 pm

    Hi,

    My salary 2.5k and work more than 3 years.I planned to trade in my Saga BLM full spec that I bought in Nov 2008 with 8k down payment.Per month RM480 and mileage 70k++.I want to trade in my saga to New Hyundai Elantra 1.6cc(I heard this model coming on Jan or Feb this year and I dunno the price yet),estimated RM85-90k, can u give me detail on interest,how much per month for 9 years and is it possible I pay around 700-800/month?

    Thanks & Best Regards

    • YNWA January 3, 2012 at 12:13 pm

      forgot to tell u,trade in money will be used as my down payment…..

    • Mybestcardealer.com January 5, 2012 at 12:21 am

      The price information has not been disclosed yet. So far the interest rate for non local car is around 2.7% and below. Kindly use our monthly installment calculator to get the rough figure at {http://www.mybestcardealer.com/find-a-car/payment/}

  432. Johnny January 3, 2012 at 1:56 pm

    Looking for Vios J/E, salary gross 3500, do you accept trade in (satria neo 2007 full spec), roughly how much value for that satria and what would monthly be like? thanks.

    • Mybestcardealer.com January 5, 2012 at 12:16 am

      Kindly use our calculator at {http://www.mybestcardealer.com/find-a-car/payment/} if you want to calculate your monthly installment. Please use interest rate of 2.7% (approximation only) in the calculation. State the amount of down payment that you’re willing to make. What’s the outstanding value for your satria?

  433. hazrina January 3, 2012 at 11:44 pm

    Hi, Kalau saya ada biasiswa yang akan bagi peruntukan rm2300 setiap bulan selama 3 tahun sebelum saya bekerja tetap, selepas tempoh 3 tahun pengajian saya akan terus diambil bekerja di universiti berkenaan. adakah saya layak untuk loan biasa ( bukan grad) Boleh ke penyata biasiswa ni dijadikan ‘pay slip’?dan perlu ka saya ada guarentor?kereta yang saya nk beli adalah myvi se 1.5L metalic. Dengan deposit lebih kurang dalam rm6000-8000. Thanks

    • Mybestcardealer.com January 5, 2012 at 12:02 am

      Boleh berikan dokumen tersebut kepada pihak kami dan anda memang memerlukan penjamin untuk mendapatkan kelulusan. Interest mungkin akan berada dalam lingkungan 3.0% dan pihak bank akan menentukan nya.

  434. hazrina January 3, 2012 at 11:47 pm

    btw, kalau ada promotion on myvi se tu, do let me know and how is this year’s interest rate? and based on your experience, which one is better: saga fl 1.6L executive or the myvi se 1.5L. i had these two in mind because saga is value for money, but myvi has always been my personal favourite.

    thank you again :)

    • Mybestcardealer.com January 5, 2012 at 12:08 am

      Saga FLX has got many improvement on its transmission but you’ve to get CVT transmission to feel the difference. Saga is more spacious and the gas consumption is also quite impressive. Myvi 1.5 is okay for short distance driving, or within city range. If you need to travel a lot, it may not be a good choice. Kindly call us if you need further explanation on this.

  435. adzr83 January 4, 2012 at 7:00 pm

    Need opinion..

    Between Honda & Toyota..which one is better?
    Can I get a Camry or Accord or lower than that which is Civic/Altis as i got other monthly commitmnt of RM413 (proton)..not going to trade in..
    My Basic is RM7K..no House loan..I’m able to D/P RM20K..

    • Mybestcardealer.com January 4, 2012 at 11:59 pm

      It’s very hard to make a comparison between the two well established brand but I’d say Honda Accord would have better handling than the Camry. Test drive may solve your problem. Toyota is expected to launch a new Toyota camry and that one should be comparable to the current Honda Accord. We got 2011 stock for Honda Accord and the stock for 2012 wont be until april or may. If you’re interested, better make a booking as soon as possible.

  436. mr January 5, 2012 at 7:14 pm

    hi. i would like to book new honda city e spec. how much charges on interest rate ? my d/p is 8000 and looking up loan for 9 years. and how long till i have to wait ? tq

    • Mybestcardealer.com January 10, 2012 at 5:50 pm

      Waiting period could be at least 4 months you know and we don’t want to promise you anything as it may change in the future. The interest rate is around 2.7% for this model. When are you planning to do the booking?

  437. mani January 8, 2012 at 9:04 pm

    hai sir,i have some problem select car,which is the best car toyota vios j manual or myvi 1.5se……tq

  438. mick January 10, 2012 at 4:27 pm

    hi, due to current strict regulation imposed by bank negara, im current thinking of getting a honda city s-spec at 85k ++ with a 9 years repayment period, d/p will around 20k, do you think i will get the loan approve?

    • mick January 10, 2012 at 4:32 pm

      **with a basic of RM 2360 without other commitment and a credit card only.

    • Mybestcardealer.com January 10, 2012 at 5:48 pm

      Whats your net income? Would be advisable to get someone to be your guarantor. It will help you in getting the loan approval. What company are you working for? Waiting period for Honda city is at least 3 months after your booking is made.

  439. dan January 11, 2012 at 10:30 pm

    hi, im interested to buy a honda city special edition.if i put 10k for da downpayment, how much is da monthly payment should i pay?

    • Mybestcardealer.com January 12, 2012 at 9:22 am

      Hi Dan, the OTR price is RM 92,980 and your monthly installment should be around RM 955. The calculation is made based on 2.7% interest and 10k d/payment. Kindly contact us for booking, as you have to wait at least 3-4 months to get the car delivered.

  440. Jordan January 12, 2012 at 11:24 am

    saya baru buka tadika (partner ship)…tapi gaji bulanan RM 500 kerana business baru buka…saya nak beli proton waja RM23000 boleh tak saya dapat loan ????

  441. teoh January 12, 2012 at 10:09 pm

    hi, i would like to know the current interest rate for a toyota vios. thx

  442. eminem January 13, 2012 at 9:25 pm

    Hello, i just what know..i want buy a honda city around year 2005. how much interest and monthly payment should i pay if that car around rm45000.

  443. wow January 14, 2012 at 7:48 pm

    gaji saya 2400…boleh tak saya buat pinjaman untuk vios trd….

  444. rizan January 15, 2012 at 11:57 pm

    Dear MyBestCarDealer

    Why Toyota Prius can get 1.88% interest and not other model?

  445. aan January 17, 2012 at 5:12 pm

    hi,
    im looking for Kia Forte 1.6SX (A)
    basic salary : RM 1850/monthly (Government Servant)
    Allowance : RM 650/Monthly
    OT etc : RM 500 – RM 1000 / monthly
    D/payment : RM 8000
    current loan : persona B-line (RM 638/monthly) 20 month period payment 9 years
    so, how much the monthly payment for this car???

  446. mai January 17, 2012 at 6:37 pm

    saya baru sahaja bekerja dengan kerajaan selama 2 bulan dengan basic sebanyak RM 1800++. layak ke saya untuk membeli myvi 1.5 extreme dengan membayar 10% dpmnt dan sebolehnya tidak mahu penjamin?

    • mai January 17, 2012 at 6:49 pm

      perjalanan seharian ke tempat kerja lebih kurang 100 km(2 hala). adakah myvi extreme sesuai untuk perjalanan tersebut. jika tidak, apakah kereta/model yang lebih sesuai

    • Mybestcardealer.com January 17, 2012 at 10:19 pm

      Jika saudari ingin mendapatkan kereta yang lebih jimat minyak adalah Proton Saga FLX with CVT transmisi. Ia dapat membantu anda dalam mengurangkan penggunaan petrol. Sila hubungi pihak kami di 019-3559448 dan kami perlu mendapatkan maklumat lanjut tentang jenis pekerjaan saudari dan status pekerjaan tersebut.

  447. fik January 17, 2012 at 11:11 pm

    Basic salary around 3k, want to buy new avanza 1.5S. please provide me
    loan detail including interest rate if i can make 10k d/p

  448. BettyLaBella January 17, 2012 at 11:24 pm

    Hi,

    Saya ingin bertanya, sy bkeje sektor swasta dan gaji basic RM2K. bru bkeje 6 bulan. Klu nk amik Saga FLX 1.6 CVT layak x? and brpe monthly kna byr? then brpe downpayment?

    *dgr2 interest rate 2012 akn naik nnt, betul ke?

    Thank you!

  449. sya January 18, 2012 at 10:28 am

    bolehkah saya namakan rakan sebagai penjamin?

  450. Ben January 18, 2012 at 2:31 pm

    Saya bercadang nak beli kereta pertama.Soalan saya ialah:
    1) Boleh cadangkan kereta yg sesuai utk saya,dgn gaji bulanan saya RM 2500.00 sebulan.Saya bimbang tersalah beli.Prefered imported car.

    2) Nissan Latio Impul 1.6,apa pendapat anda mengenai kereta ini?Bagaimana fuel consumption kereta ini?

    • Mybestcardealer.com January 19, 2012 at 3:28 pm

      Its hard to tell you which one is good and which one is bad. But most of our clients with your basic pay, they tend to get Perodua Myvi or Proton Persona. However, if you are planning to do loan more than 70k, you should get someone to be your guarantor. Nissan selalunya terkenal dengan enjin yang lembut dan daya pecutan yang baik, dan kami tidak pernah mempunyai sebarang komen tentang kereta nissan berbanding brand lain dan tidak salah jika tuan ingin memilih model ini.

  451. Proton Sengal January 18, 2012 at 7:32 pm

    hye..
    salam..

    Saya berminat dengan mitsubishi lancer..my salary 3800k..boleh tak saya dapatkan kereta ini dengan downpayment 30k?monthly berapa utk 9 tahun..Saya pemegang kad kredit dan ada loan perumahan rm700 sebulan…
    saya nak jual my jazz tahun 2007..berapa market skrg ya..?balance kat bank tak banyak around 50k saja…bayar downpayment lebih…

  452. aishah January 18, 2012 at 10:35 pm

    hi
    I’ve been working swasta co for 10 yrs net income 3200 ..can i buy personal basic line.. dp 10% ? how much is the interest rate? loan for 7 yrs. how much per mnth?

    • Mybestcardealer.com January 19, 2012 at 9:19 am

      Salam Aisyah, the current interest rate is at 2.9% and the monthly payment should be around RM 602/= with a down payment of 10%. Kindly call us at 019-3559448 if you want to set an appointment with our representative.

  453. hamid January 19, 2012 at 11:38 pm

    salam..sy baru kerja dalam2 bulan..gaji basic saya RM2500..sy bercadang nak beli honda civic 1.8 second hand berharga RM82000..saya ingin membuat dowm payment RM10000…agak-agak boleh tak saya buat loan?

    • Mybestcardealer.com January 29, 2012 at 8:26 pm

      Wasalam, mungkin tuan perlu menyediakan guarantor kerana interest rate bagi used car agak tinggi berbanding kereta baru. Sila dapatkan kepastian daripada pihak bank mengenai interest rate tersebut.

  454. frank January 20, 2012 at 10:58 am

    hi i’m a fresh graduate working in MNC and my basic pay is ~3k and with no commitment of credit card or so ever. and planning to get 2nd hand city09. car price is 68K, down payment 8K and wanted to take loan for 9yrs. how much interest rate can i get?

  455. Mohamad Ali January 20, 2012 at 11:52 am

    Hi,,,
    Plan nak beli kereta Vios Second model 08 (second hand). Basic salary, 950+(Beberapa elaun tetap) = RM1200. Memenuhi syarat? N berapa agaknya harga secnd hand vios yang boleh nie???

    TQVM.

    • Mybestcardealer.com January 28, 2012 at 5:47 pm

      Berdasarkan gaji tuan, maximum loan anda adalah dalam lingkungan RM 35,000 ke bawah. Interest rate bagi used car adalah tinggi dan kami percaya ia amat sukar bagi tuan utk membeli model kereta ini.

  456. Muhammad January 21, 2012 at 5:17 pm

    Saya ingin membeli kereta pertama saya, saya bekerja belum cukup setahun, saya berminat dengan Perodua Myvi SE 1.5 AT, Gaji bersih saya RM 1320.00, bolehkah saya membeli kereta tersebut tanpa bayaran muka? berapakah bayaran bulanan?

    • Mybestcardealer.com January 21, 2012 at 7:11 pm

      Berapakah gaji basic anda? Agak sukar bagi anda untuk dapatkan kelulusan pinjaman, tetapi jika anda ingin membeli tanpa bayaran down payment, anda perlu mendapatkan penjamin. Bayaran bulanan akan berada dalam sekitar RM 659 . Interest akan berada dalam lingkungan 3.0%. Disyorkan agar anda menghubungi pihak kami untuk mendapatkan maklumat lanjut di 019-3559448.

  457. luke January 22, 2012 at 12:40 pm

    im interested to buy proton inspira. if i pay down payment rm10 000 how much the monthly installment?

    • Mybestcardealer.com January 24, 2012 at 7:58 am

      Kindly let us know which model of Proton Inspira that you’re interested in? Kindly click on this model and {http://www.mybestcardealer.com/new-proton-inspira-for-sale/} and kindly use our financial calculator available on the website to find out about your monthly installment.

  458. Ameer Ameery January 23, 2012 at 4:15 am

    MyBestCarDealer,

    Sy baru habis belajar, dan baru dapat kerja bermula 1 feb 2012. Gaji permulaan dijangka rm2700. Ada offer letter kerja (swasta). Sy lulus semua subjek, tetapi transkrip belum dikeluarkan lagi. Dijangka dapat transkrip 2 bulan lagi. Tapi saya ada surat pengesahan habis belajar dari dekan dan result setiap sem. Cuma result dan bukan transkrip. Tapi boleh disahkan.

    Saya berminat dengan Proton Inspira R3. Masih ada stok? Kalau ada saya sanggup bayar utk tempah. Kalau tiada, sy berminat dengan Inspira 1.8MT. Berapa diskaun max saudara bleh bg? Sy tengok lain seller, lain diskaunnya.

    Saya harap boleh diusahakan 0 downpayment. Sebab baru mula bekerja. Terima kasih. Sori panjang sikit, nak bg saudara paham situasi sy ;)

    • Mybestcardealer.com January 24, 2012 at 8:11 am

      Salam Ameer, boleh hubungi pihak kami di 019-3559448? Pihak kami perlu mendapatkan maklumat lanjut tentang diri tuan sebelum membuat sebarang kenyataan. Berdasarkan gaji tuan, ia agak sukar untuk mendapatkan proton inspira dengan 0 down payment. Kami mensyorkan agar tuan mempunyai penjamin, iaitu mak atau ayah.

  459. Firdaus January 23, 2012 at 11:48 am

    Hello,i’m planning of buying Exora Bold MT solid,with downpayment RM20k,about 9 years monthly payment??how much it will cost??

    • Mybestcardealer.com January 24, 2012 at 8:08 am

      Salam Firdaus,

      The OTR price is RM 70,548 and if you pay RM 20k for the down payment, your monthly installment should be around RM 590 for 9 years. This calculation is based 2.9% interest rate and you should be entitled for a slightly lower rate if you have an outstanding financial record.

  460. Dilemma January 23, 2012 at 9:39 pm

    hi..
    would like to buy wish 1.8 with downpayment 10-15k. My income monthly 1.5k only.the monthly payment will be pay by my spouse
    He cant apply loan due name under AKPK programme
    please help..

  461. liyana January 24, 2012 at 7:20 pm

    hi..i am interested to buy my first car (myvi elegance auto)..my monthly income 2.2k..if i used the graduate scheme, 9 years..how much is the monthly payment? thanks for your advice..:)

    • Mybestcardealer.com January 24, 2012 at 8:38 pm

      Hi Liyana, if you’re using graduate scheme with interest rate of 3.2%, your monthly installment should be around RM 730 and based on your basic salary, we’d suggest you to get Perodua Myvi SE and its monthly installment should be around RM 668. Either way, we’d appreciate if you can call our representative, En. Ihsan at 019-3559448 for further information.

  462. farhan January 25, 2012 at 4:57 pm

    Salam 1 malaysia,

    saya ingin bertanya..saya amat teringin untuk mengambil kereta toyota fortuner 2.7 atau 2.5 dengan downpayment rm 30000 dan berapa interest untuk kereta ini sekarang?saya bercadang untuk loan 9thn dan berapa monthly installment?..jika gaji saya sebulan rm3000 bersih..

    • farhan January 25, 2012 at 5:09 pm

      maaf jika saya bertanya lagi..toyota fortuner 2.7 dengan 2.5 mana lagi baik?dan value for money untuk membeli dan memakainya?

      • Mybestcardealer.com January 26, 2012 at 8:51 pm

        Pihak kami mencadangkan agar tuan mengambil spec yang lebih rendah kerana cost maintenace akan menjadi lebih rendah, seperti petrol dan roadtax. Berapakah gaji bersih tuan? Bolehkah pihak tuan menghubungi pihak kami untuk membuat temu janji dan pihak kami akan membantu anda dan menerangkan perbezaan kereta tersebut.

  463. qistina January 25, 2012 at 5:14 pm

    Hi……
    Saya berminat untuk membeli kereta Vios trd dengan downpayment 10K.basic salary sy rm2100.00 then tambah dengan elaun almost 3k lh…berapa monthly installment agak2 ye…saya bekerja in public sector.

    • Mybestcardealer.com January 26, 2012 at 8:48 pm

      Hai qistina, yes, anda boleh memiliki kereta tersebut tetapi anda perlu mendapatkan penjamin. Kebiasaannya, bank hanya akan melihat gaji basic anda tanpa mengira elaun bulanan. Jika anda gagal mencari penjamin, kami sarankan agar saudari memilih spec vios yang lebih rendah. Hubungi kami di 019-3559448 untuk maklumat lanjut.

  464. wada January 25, 2012 at 6:31 pm

    hi..i am thinking to buy Forte, 1.6 auto..fyi, just started working as a houseofficer in government hospital..my monthly salary is rm 3.5k…what’s your advice..?how much is the interest rate n monthly installment..?is there any 100% loan that i can take..?thank you.. :)

    • Mybestcardealer.com January 26, 2012 at 8:45 pm

      Yes, you can apply a loan by using graduate scheme but the interest rate would be much higher which is 3.2%. We’d recommend you to save at least 5k and earn 2.7% interest as it would reduce your monthly installment and interest charged significantly.

  465. Razid January 25, 2012 at 11:46 pm

    Salam..saya bekerja govt dengan gaji bersih termasuk elaun dalam RM2600 dan saya hanya mempunyai hutang ptptn..saya bercadang hendak mengambil vios e/j/g +bodykit TRD..Vios spec apekah yang saya mampu miliki dengan d/p 10% bayaran selama 9 tahun. Diharap anda dapat memberikan pendapat yang bernas dari segi keewangan dan kos sara hidup lebih lebih lagi pada zaman sekarang ni.

    • Mybestcardealer.com January 26, 2012 at 8:41 pm

      Wasalam Razid, pihak kami tidak mengesyorkan pihak tuan untuk membeli kereta yang berharga lebih daripada RM 60k untuk hidup dengan lebih selesa. Jika loan anda berada dlm 54k, dpayment 6k, bayaran bulanan akan berada dlm lingkungan RM620. Tetapi jika anda berminat utk mendapatkan model vios, penjamin perlu disediakan.

  466. Dream January 27, 2012 at 12:56 pm

    Hi..I’m interest to buy Kia Forte 1.6L EX auto.Please advise me based on the information had given.
    Basis Salary : 2k
    D/Payment : 20k
    Tenure Year : 9 Years
    Interest rate : Pls Advise

    Thank you.

    • Mybestcardealer.com January 27, 2012 at 1:15 pm

      Hi sir, please be advised that your basic salary needs to be at least RM 2,500 to be able to get the loan. Kindly find a guarantor to support your loan application and the interest rate should be around 2.7% or less.

  467. hisham January 27, 2012 at 1:35 pm

    Hi, saya kakitangan kerajaan bercadang utk membeli honda civic 1.8s, sekiranya D/P saya rm12 000, adakah layak dan brp montly pymt saya utk tempoh 9 thn? Brpkah kadar interest semasa untuk model ini?

    gaji basic: rm2825 + elaun tetap rm995 (total rm3816)
    tanggungan: home load rm990/sebulan

    • Mybestcardealer.com January 27, 2012 at 5:39 pm

      Salam Hisham, Bank sudah menggunakan langkah yang lebih ketat dalam proses pemberian kelulusan loan dan jika anda berminat, anda perlu menyediakan penjamin. Bulanan anda akan berada dalam RM 1,1++ dengan interest rate sekitar 2.5-2.6%.

  468. TheGunners January 27, 2012 at 4:10 pm

    Hello sir, i’m really interested in Kia Forte 1.6 SX. My gross salary is RM3000++. Only have personal loan payment of RM90/month to pay. What is the best interest rate can i get based on current rate of hire purchased? Do i still need to put 10% downpayment in order to get low interest?

    • Mybestcardealer.com January 27, 2012 at 5:41 pm

      Yes it is advisable to put 10% down payment otherwise it would be hard for you to get the loan approval. The current rate would be around 2.6%-2.7% or lower depending on your eligibility. We’d recommend you to contact us directly to find out more about this. There are more questions that we need to ask before we can make any confirmation.

  469. sa January 27, 2012 at 5:41 pm

    helo,
    please advice. i used car only to go to work which is about 10km. usually carry 2 passenger-teenagers. heavy trafic daily. looking for economical car and trendy. Love festa sedan…please advice.

  470. flx January 27, 2012 at 11:06 pm

    Hi, my gross salary is RM1665 and i hv worked fr about 5 month . Can i afford to buy FLX SE ? If i use grad scheme, how much mnthly payment and loan interest ? Thank you in advance.

    • Mybestcardealer.com January 28, 2012 at 5:20 pm

      Hi, it would be hard for you to get a loan for this model and we would recommend you to take a lower spec model. If you are still interested with this model, we’d recommend you to pay some amount of down payment and find a guarantor. Otherwise, you may have no chance. Let’s say the car price for this model is RM 49,899 and interest rate of 3.2% (grad scheme), your monthly should be around RM 595.

  471. hafis ayob January 28, 2012 at 4:52 am

    hai.

    saya nak tanya sedikit.berapa bulanan saga flx 1.3 standart,jika saya membayar d/p sebanyak rm2500..terima kasih

  472. asker January 28, 2012 at 8:36 pm

    saya sedang dalam pengajian menyiapkan master tetapi diberi elaun sebanyak rm2700 sebulan oleh sebuah ipta dan kpt. layakkah saya membuat pinjaman 9 tahun untuk vios j auto? saya boleh beri downpayment 10%. tqvm

    • Mybestcardealer.com January 29, 2012 at 9:06 am

      Hi asker,

      Boleh, sila beri dokumen kepada pihak kami dan mungkin anda perlu menyediakan guarantor kerana status anda yang masih belajar. Kami perlu hantar dokumen tuan kepada pihak bank terdahulu sebelum membuat sebarang andaian.

  473. pengguna moped 135LC tegar January 28, 2012 at 11:54 pm

    Hi mybestcardealer..
    saya nak cari kelisa berharga bawah 20k…gaji saya bersih+elaun dalam RM1300..boleh ke saya apply full loan untuk kereta 2nd ni…dan kereta ni masih belum sampai 10 tahun usia…tq

  474. shila January 29, 2012 at 1:24 am

    hai,,saya nk tya brp basic minima utk apply alza standard?dan bolehkah kakak ipar menjadi penjamin?

  475. raleigh January 29, 2012 at 12:15 pm

    hi,

    what is the best interest rate for below condition for 5, 7 and 9 years loan.

    basic salary: rm2200
    down payment: rm5000
    other commitment: rm0
    car model: 1)saga flx executive cvt metallic (rm45211)
    2)myvi premium ezi 1.3 auto metallic (rm50412.15)

  476. liana January 29, 2012 at 12:51 pm

    hai.. nak tanya bayaran bulanan kereta dan interest rate untuk
    Perodua Myvi 1.5 SE(AT)
    Toyota Vios 1.5E/G (AT)
    Honda city Grade S/E (AT)

    sy baru 3 bulan kerja sebagai houseman kat hospital.
    basic gaji rm2500
    total rm3200 up to rm3700
    takde hutang dengan bank.
    boleh bagi downpayment up to rm 10000
    klau boleh nak islamic banking..
    thank you..

  478. vortex January 29, 2012 at 5:21 pm

    salam..
    i plan to buy a forte 1.6sx as my 1st car..with 10k DP, 9 yrs tenure..
    the prob is my basic is too low but my nett pay is enough to pay monthly installment of about rm8++..is it possible for bank bank to approve my loan?i don’t want any guarantor..i work with GLC in oil and gas, renewable contract basis..basic pay 1100, i take home around 27++…worked for almost 2yrs..i only hv ASB loan repayment 350/mth and no other commitment..all good record..need ur advise.TQ..
    p/s: i read about the new rules from bank, they are considering net pay not basic pay..

    • Mybestcardealer.com January 29, 2012 at 7:56 pm

      Wasalam, we thought we have replied to one of your inquiries recently. Net pay is defined as your basic pay less your commitment, tax and kwsp if any. You need to have a guarantor to support your status otherwise it would be almost impossible to get a loan approval. Ask you parent if he/she can be yours.

  479. fizie January 29, 2012 at 10:39 pm

    slm…basic salary sy rm550 je + OT tetap n elaun = rm1300++
    sy nie student (1 setaun nk hbs stdy)..
    ad gerentor(basic salary rm2K++)…
    sy ingin bt loan kereta vios 2nd (04-05 around 40k++)
    d/p rm20K++
    blh ke sy dptkn loan rm20K??

    • Mybestcardealer.com January 30, 2012 at 5:25 pm

      Wasalam, agak sukar bagi pihak tuan kerana basic anda amat rendah, dan pihak bank juga akan melihat siapakah guarantor anda dan commitment yang dia ada. Boleh cuba apply loan dahulu dan kalau lepas, anda amat bernasib baik.

  480. pak kadok January 30, 2012 at 4:45 pm

    gaji saya dan isteri combine rm6k++ kerja kerajaan
    loan saya = rumah rm870/bulan (end of 2013 baru start instalment) + ptptn rm100/bulan (4.9 tahun)
    loan isteri = rm396/bulan (saga blm 1.3) + ptptn rm220/bulan (4 tahun)

    kalau ada D/P rm10k dan saya jadi guarantor isteri
    layak x utk kami loan forte 1.6sx dan jika layak berapa interest? TQ

    • Mybestcardealer.com January 30, 2012 at 5:23 pm

      Yes, disarankan agar tuan membuat joint-income loan dan interest rate berada dalam lingkungan 2.6%. Sila sediakan dokumen penting seperti IC, lesen, 3 months payslip and 3 months bank statement.

  481. danny January 31, 2012 at 10:21 am

    hello there,
    interested in buying vios j 2012,
    just start working basic salary = rm 2200
    allowance = rm 400
    i want to do skim graduan, just wanna ask whether i’m applicable and if do how much monthly with 0 DP

    • Mybestcardealer.com February 2, 2012 at 7:11 pm

      Hi, your monthly installment will be around RM 900 if you choose to get the grad scheme (3.2% interest). It would be a best option for you if you could find a guarantor and pay some amount of down payment, lets say RM 3,000, and earn much lower interest which is around 2.6%. Give us a call if you are interested and please know that the waiting period for this model is around 1 month after your booking.

  482. Fairuz February 1, 2012 at 12:58 am

    Saya dlm proses nk beli hyundai getz 1.4 auto 2003 dgn harga rm23k. Boleh tolong recommend bank mana yang boleh lower interest rate < 4%. Terima kasih

  483. zamanrazak February 2, 2012 at 3:27 am

    hi..i am interested to buy my first car (viva 1.0/ Elite – auto) by using graduate scheme ..my monthly income is 1.8k..if i used the graduate scheme, 10 years..how much is the monthly payment? thanks for your advice..:)

    • Mybestcardealer.com February 2, 2012 at 7:04 pm

      Hi Zaman, we won’t recommend you to pay more than 9 years and in fact, you’re paying a full loan and you will have a hard time re-selling the car in the future. Calculation is as follow:

      OTR Price: RM 40,850
      Down payment: RM 0
      Interest: 3.2%
      Tenure: 9 years
      Monthly: RM 487

      Kindly call us if you are interested and please note that the price is exclusive of current promotion (if any). Please do call us for more info.

  484. Faz February 2, 2012 at 4:50 pm

    hi.. would like to get Prius Type C.How much i need to pay for downpayment if i’m trying to makesure that my loan will be approved?my gross salary 3300rgt. graduated from local university last 2 yr. how much rebate can u give to me?got monthly commitment with ASB loan- 450 per month, EPF and tax.Pls calculate for me.Thanks

    • Mybestcardealer.com February 2, 2012 at 6:59 pm

      Hi Faz, do understand that most of the latest model of cars won’t have any rebate promotion but you are entitled to receive our special free gifts (Smart tag, touch n go, tinted voucher, steering lock, etc).

      OTR Price: RM 103,990
      Down payment: RM 10,399
      Interest: 2.55%
      Years: 9
      Monthly: RM 1,065

  485. Azim February 3, 2012 at 11:51 pm

    hye gaji bersih sy (After socso n epf) dlm 1590++
    interested to get myvi 1.5 se (A) (multimedia)
    so lepas x utk full loan?

  486. Steven February 6, 2012 at 8:37 pm

    Hi that im planning to buy a vios 1.5G spec with downpayment 10% ,plan to get 9 year loan, with my salary rm 1800.00 . issit possible i get approval from bank my car loan and i have a guarantor.

  487. cik seri February 7, 2012 at 1:07 am

    salam..

    nak minta pendapat:-
    - plan nak beli myvi auto
    - basic 1.6k lps tolak epf sume jd 14++ (takde OT)
    - takde komitmen lain selain ptptn
    - baru tukar pekerjaan (sebulan) (keje dgn GLC co. dulu temporary setahun skrg dpt permanent dgn co. yg sama = offer letter baru)
    - nak beli dlm bulan may/june (so skrg dlm planning)

    so boleh tak bantu sy utk bajet segala perbelanjaan dr segi DP yg patut dibayar , monthly installment

    thanks

    • Mybestcardealer.com February 7, 2012 at 11:29 pm

      Wasalam cik seri,

      Pihak kami selalu menasihati pembeli-pembeli untuk membayar at least 10% down payment untuk mendapatkan kelulusan pinjaman dengan lebih mudah dan mengurangkan interest yang perlu dibayar. Pihak kami tidak dapat mengetahui tentang interest rate pada bulan-bulan yang akan datang kerana ia mungkin akan bertukar. Jika anda sudah tahu model yang ingin dibeli, bolehlah menggunakan calculator online kami di http://www.mybestcardealer.com/find-a-car/payment/ untuk mendapatkan pengiraan bayaran bulanan. Sila guna interest rate dari 2.9%-3.0%

  488. zaid February 7, 2012 at 7:27 am

    salam..
    im still student..the thing is can i have full loan to buy a second hand car??

  489. Zekk February 7, 2012 at 11:58 am

    Saya bercadang untuk membeli Honda Civic FD 2.0. Berapakah bayaran bulanan jika 10% down payment berdasarkan interest rate semasa.

    • Mybestcardealer.com February 7, 2012 at 8:46 pm

      Hi Zekk, your monthly installment should be around RM 1,331 assuming the interest rate is around 2.55%. Kindly give us a call to set an appointment with our team. Thanks!

      • Zekk February 8, 2012 at 9:59 am

        Still got stock for 8 gen civic?

      • paizal April 18, 2012 at 12:54 pm

        hello…sya nak buat loan untuk kereta waja 1.6 M 2001 sebanyak rm16 000.Jadi kalo saya nak buat joint income dgn isteri sye dpt x?Isteri saya kerja di kedai kek sebagai baker dengan pendapat sebanyak RM1300 sebulan, tetapi dia tidak mempunyai pay slip hanya ada baucer bayaran dan gaji tidak masuk ke bank.Gaji cash setiap bulan. Dan saya berkerja sebagai kakitangan kerajaan dengan gaji rm1300. Bersih RM577 sebulan. Jadi dpt x sye buat joint income atau sye perlu penjamin? n Dapat kalau sy buat loan sebanyak rm10k-12 k?

      • Mybestcardealer.com April 18, 2012 at 10:36 pm

        mungkin tiada masalah. Tetapi kalau isteri ada surat kerja, mungkin boleh buat joint income loan.

  490. M.azwan February 7, 2012 at 5:12 pm

    1•gaji bulanan basic rm1450+SALES INCENTIVE+OT-KWSP= rm2500kadang-kadang lebih dalam sebulan saya boleh dapat rm4000 sebb saya ada buat business kecil2lan.
    dan saya ada seorang penjamin dengan pendapatan rm3k sebulan

    2•umur saya baru mencecah 20tahun

    soalan saya,dengan pendapatan sebulan saya boleh tak saya nak buat loan untuk ford fiesta rm82888 bulanan kereta sebanyak rm9++

    • Mybestcardealer.com February 7, 2012 at 9:17 pm

      Hi, Berapakah jumlah down payment yang anda dapat bayar? Kami syorkan anda dapat mengeluarkan sekurang-kurangnya 10% untuk mendapatkan kelulusan yang lebih mudah kerana amat sukar untuk anda bagi mendapatkan loan ini dengan gaji basic yang amat rendah kerana bank hanya melihat gaji basic anda sebagai ukuran.

  491. Lee Chee Hoe February 8, 2012 at 6:13 pm

    hello, i am a graduate and currently got an offer with a 2.9k monthly salary started in march 2012.. so i wonder can i get a car loan (myvi) on my own or a loan using my mum name (currently 55 years old) ?

    thanks

  492. reza February 8, 2012 at 8:03 pm

    Hi, sy berminat untuk membeli Perodua Kelisa tahun 03 auto, pada kawan sy dgn harga rm20,000.. Skrg gaji pokok sy rm1700, kalau campur dgn komisyen sbulan blh dapat hingga 2500-3000rm, tiada komitmen lain….blh lulus ke pinjaman sy? Berapa tahun pinjaman balik yg akan di tawarkan? Boleh perkenalkan mana2 agent untuk uruskan pinjaman sy? – reza.. TQ.

  493. ieya February 9, 2012 at 9:15 am

    hi, saya bercadang nak beli persona (manual/metallic) dengan basic 1500.dgn downpayment RM 3000 bp bulanan yang p[erlu sy byr.TQ

  494. amer February 9, 2012 at 12:39 pm

    hi,, i plan nak beli honda city S @ E type,,
    detail :
    basic salary = 2400
    komitmen = personal loan ( da habis bayar)
    lain2 komitmen = tiada
    downpayment = 10%
    guarantor = wife (gaji 2200) ~ if needed

    heard that for that type of car, min gji kena dalam 2500 – 3000, adakah sy layak untuk apply tanpa grantor?
    - interest terkini adakah 2.88?
    - monthly yg saya kena bayar dalam rm950 untuk harga 90k, 10% d/p , 9 yrs (E type)
    - byran monthly melebihi 1/3 gji saya, ( 2400 x 1/3 = 800.00 ), adakah bank akan luluskan? saya bercadang tidak mahu menggunakan grantor (kerana komitmen monthly wife tinggi ), tetapi sekiranya % bank reject tinggi, saya terpaksa combine income gji dengn isteri

    • Mybestcardealer.com February 22, 2012 at 9:19 pm

      Hi amer, bank negara telah mengetatkan syarat-syarat untuk mendapatkan loan tersebut dan kami pasti tuan perlu membuat joint-income loan jika tuan berminat. Stock kereta honda perlu ditunggu dan diharapakan tuan dapat membuat tempahan dengan segera. Sila hubungi pihak kami di 019-3559448.

  495. aming February 9, 2012 at 12:49 pm

    Hello, saya nak refinance kereta Myvi Ezi 2007 – dalam RM15k selama 5 tahun which dah habis bayar now.
    My wage wud be aroud 2.7k without any commitment and im a permanent gov. officer.
    What and where is best rate for refinancing ya?

    Appreciate your reply

  496. intan February 9, 2012 at 1:11 pm

    gaji saya basic rm1000..attndance+earnest rm700…saya belum pernah buat loan dengan mana2 bank…lepas x syarat2 untuk saya ambil myvi 1.3 auto standard?

    umur saya belum ckup 23 tahun lagi dan tiada penjamin..boleh saya dapat 0 downpayment?

  497. zul February 9, 2012 at 4:28 pm

    hi.. gaji bersih sye sebulan rm1200.. budget down payment sye rm3000… sekarang pun dh 6 bulan bekerja.. boleh tak sye nk beli kereta toyota vios terpakai dengan harga rm63000.. boleh bantu sye tak?..

  498. Amir February 9, 2012 at 4:33 pm

    Hi
    Saya berminat memiliki Honda City terpakai keluaran tahun 03-04 dengan downpayment 10%
    Gaji-1659 basic
    Harga kereta rm4800
    Komitmen sedia ada-Kereta 1st rm 512.00

    berapa bulanan yang saya perlu bayar dan loan lepas x dengan 10% downpayment?

  499. Azalea February 9, 2012 at 9:59 pm

    hi, I am thinking of buying any one of these…mini cooper s or peugeot 308 turbo, both second hand lah or perhaps i will wait for Prius C – but the look is boring though.
    1. What is the interest rate for the 1st 2 cars? Maybe a loan of abt 5 yrs ~ RM90k, low dp of 10k. My income is more than 5.5k/mth but have loan commitments around Rm 2k. 2. will it be impacted if I buy a house with monthly of 1.5k?
    thanks.

    • Mybestcardealer.com February 18, 2012 at 4:59 pm

      The interest rate is around 2.5-2.7% for a new non-local cars and you may expect to get at least 1% higher interest rate for a used model. If the amount of loan is below RM 100k, it shouldn’t be a problem.

  500. WannaBeToyotaUser February 12, 2012 at 1:23 am

    Teringin nak beli Toyota Vios 1.5 Auto dengan trade in kereta kancil 850 manual saya tahun 2002. Wondering berapa harga pasaran untuk trade in kancil saya itu? Dan berapa deposit yang saya kena sediakan untuk Toyota Vios 1.5 Auto?

  501. nik February 12, 2012 at 4:38 pm

    salam….saya bercadang nk beli kereta alza standart manual harga rm56000..gaji bersih dalam 1700 sbln…saya bekerja gov…nak letak nama isteri kereta tu…agak2 interest dpt brapa?…d/p 5k….brapa sblan..?….boleh dapat tak…

    • Mybestcardealer.com February 12, 2012 at 6:17 pm

      Wasalam nik, ia tidak menjadi masalah. Pihak kami boleh membantu anda dan kini kami mempunyai promosi discount dan free gifts. Hubungi pihak kami untuk maklumat lanjut. Anggaran interest rate bagi kes anda adalah dalam lingkungan 2.9%. Bayaran bulanan akan berada dalam RM 595 tanpa mengira sebarang promosi yang ada.

  502. zeckvvip February 12, 2012 at 11:03 pm

    aku nk tnye..
    gaji aku ade dalam rm1800
    aku nk beli saga flx 1.3 m executive.
    aku budget bayar bulan just rm450 lebawah..
    boleh dapat ker?
    ikat 9 tahun..
    brape agak2 downpayment aku nak kene letak??

  503. Ms Chin February 12, 2012 at 11:32 pm

    hai saya nak tanya saya mempunyai gaji bersih sebulan dlm 2129.65,pekerja goverment,nak beli viva elite auto,ble dpt berapa sebulan dan ada rebate x untuk bln february ni???

  504. johaidos February 13, 2012 at 1:23 pm

    hello…
    saya ada soalan nak ditanya….saya goverment servant….gaji bersih sebulan rm2185…saya berminat nak pakai lancer gt second tahun 2008 dan nak trade in kelisa tahun 2004 sebagai downpayment…soalan saya:

    i- brapa harga pasaran kereta kelisa tahun 2004?
    ii- brapa loan maksimum yang saya boleh dapat dengan harga lancer gt 2008 dan
    interest yang dikenakan bank?
    iii- brapa anggaran bayaran bulanan saya jika pinjaman tersebut bagi tempoh
    9 tahun?

  505. safea February 13, 2012 at 3:28 pm

    Hi sy nak beli viva 850 solid, d/payment lebih 10k. loan sy rm22k..
    so brp interest n monthly saya perlu bayar utk 5thn. tq

    • Mybestcardealer.com February 13, 2012 at 7:49 pm

      Hi Safea, Bayaran bulanan anda akan berada dalam lingkungan RM 440 dgn anggaran interest rate sebanyak 2.9% bergantung kepada kelulusan bank. Bayaran bulanan itu tidak termasuk discount/promosi yang sedia ada. Hubungi kami untuk maklumat lanjut di 019-3559448.

  506. aminnn February 15, 2012 at 2:35 pm

    Hai. Sy ingin dapatkan harga terkini honda civic baru & ada x apa2 diskaun @ cash rebate dr pihak honda dlm masa terdekat ni? setahu sy biasanya dpt diskaun 1k-3k utk honda.btul ke?blh thu the best interest rate stakat ni untuk civic?

    • Mybestcardealer.com February 15, 2012 at 4:03 pm

      Hi, stock pon unavailable (waiting 2-4 months) and the current civic is highly demanded and so no discount is given by Honda. Are you not interested in the 2012 civic that would be launching somewhere in the 3rd quarter of this year?

  507. dan February 15, 2012 at 11:54 pm

    Salam,

    Sy plan nak amek myvi 1.5 se or extreme auto metallic..basic 3.2k..xde komitmen pe2..nak amek tok 9taon n maybe 3k jek dp..bp agk2nye monthly..kalo ikot masa skrg..bp lame proses nk dpat kete..katakan kalo nk beli no 4digit..brape kos die ek..kene tender ke..n ape dokumen2 yg prlu dibawa..
    trima kasih..

    • Mybestcardealer.com February 18, 2012 at 12:57 pm

      Process nk dapat kereta tidak lama dan bergantung kepada warna yang tuan minati. Proses jika ada stock kurang daripada 2 minggu. Dokumen yang diperlukan adalah:

      1. Copy of Ic
      2. Copy of License
      3. Copy of Bank Statement
      4. Copy of Pay Slip

      RM 625-630 bagi SE Auto dan RM 680 bagi extreme.

  508. miza February 16, 2012 at 10:55 am

    Salam / Hi..

    Saya berminat untuk beli Myvi Premium 1.3 Auto. Basic gaji saya : 2000 + 200 (elaun). Downpayment : 5000. Saya ada buat pinjaman motor : 200 sebulan. Selain itu tiada komitmen lain. Tiada penjamin.

    Soalan saya :
    1. boleh lulus x untuk pinjaman?
    2. berapa rate untuk pinjaman 9 thn?
    3. berapa jumlah bulanan saya perlu bayar ?

    TQ.

    • Mybestcardealer.com February 16, 2012 at 11:12 pm

      Wasalam Miza.

      Berdasarkan maklumat gaji dan commitment anda, pihak kami rasakan ia tiada mempunyai masalah. Pihak kami boleh membantu saudari untuk mendapatkan pinjaman tersebut. Interest rate bagi kereta local ialah dalam lingkungan 2.9% bagi pinjaman 9 tahun. Jika suadari berminat, bayaran bulanan adalah sperti berikut:

      Model: Perodua Myvi 1.3 Premium (solid) Auto
      OTR Price: RM 49,900
      Down payment: RM 5,000
      Interest: 2.9%
      Loan: 9 years
      Monthly: RM 524

      Jika saudari Miza berminat, boleh la berjumpa dengan pihak kami untuk discuss dgn lebih lanjut.

  509. kk February 16, 2012 at 10:39 pm

    i just want to ask that im workin now my basic is rm2500 .i want to buy naza forte sx 1.6 with 0 downpayment.my father will be the guarantor for me.so how much is the interest and the car price.is there any offer now.

    • Mybestcardealer.com February 18, 2012 at 12:51 pm

      The OTR Price is around RM 85,800 and the interest rate is around 2.55-2.7% depending on your eligibility. Due to the fact that you’re applying for a full loan, you may need to pay higher interest rate. Call us for more information on this and kindly prepare the documents required to apply for the loan that includes the copy of Ic, license, pay slip and bank statements.

  510. jahangir February 17, 2012 at 1:27 am

    hi, im a college student getting my father’s 2nd hand iswara1993, fully paid.. now, i need some cash to recon it cause its in a bad condition. how can i refinance it? can i apply for a loan by changing it from my dad’s ownership to my sister’s? thanks for the info

  511. shaz February 17, 2012 at 10:05 am

    hi, kalau nak trade in perdana v6 n beli baru toyota avanza 2012… boleh n ada tak?

  512. shaz February 17, 2012 at 10:07 am

    hi, kalau trade in perdana v6 n buy toyota avanza new 2012, boleh n ada?

  513. Zul Faqa February 17, 2012 at 11:12 am

    hi sye zul..basic salary sye rm1300+ot dan elaun =rm1700. budget down payment rm3000. sye nk beli kereta alza baru. perlukah ada guarantor dan boleh terangkan secara detail x? plzz..

    • Mybestcardealer.com February 17, 2012 at 7:28 pm

      Salam zul, yes anda memang memerlukan penjamin atau anda boleh membuat joint income loan bersama isteri untuk mendapatkan kelulusan. Jika tidak, ia mungkin amat sukar bagi tuan. Cuma sediakan salinan IC, lesen memandu, pay slip 3 bulan dan bank statement 3 bulan. Bagi penjamin, IC dan pay slip 3 bulan.

  514. nna February 17, 2012 at 4:10 pm

    salam.
    I am a fresh graduate and currently working in a government sector with a net pay of RM 3.3K per month (salary + allowances – EPF) . My questions are :
    1) Am i qualified to get a 9-years loan (without a guarantor) to buy a brand new honda jazz (price range ~ RM 110K) with a 10% d/p?
    2)If im not eligible, what is the min d/p that i should put on?
    3) How much the interest rate for this car?
    for you info, i have no other commitments yet.

    Thank you!

    • Mybestcardealer.com February 17, 2012 at 7:13 pm

      Wasalam,

      It’s a bit hard to apply the loan without a guarantor since you’re a fresh graduate but why don’t you prepare your documents and we can send your documents to the bank for the loan application process. Then we’d know the maximum amount of loan that you can apply for. The interest rate should be around 2.55% and we’d recommmend you to make an early booking to avoid a long waiting period.

      Thanks.

  515. Taher February 18, 2012 at 12:30 am

    hi,

    i am expat working in miri sarawak on yearly contract basis. Is it possible to hire purchase a car without guarantor? My gross salary around RM 19K.

    Thanks,

  516. Lunps February 18, 2012 at 2:42 pm

    I would like to purchase a Honda civic 2006 RM87+++.00 but my salary average is around RM25++. issit possible to purchase??

  517. dinziqah8788 February 18, 2012 at 6:57 pm

    hello, tuan, boleh bertanya x? sy layak ke utk memohon pinjaman utk beli naza kia forte 1.6sx dan dalam lingkungan berapa kadar pinjaman tersebut. sy seorang pgwai kerajaan, 1 tahun 4 bulan berkhidmat, gaji bersih rm 2021, bayar muka 10% nilai kereta dalam 8580…pinjaman 9 tahun. harap dapat respon..tq

  518. tolong February 20, 2012 at 1:40 am

    salam…sy ada beli sebuah kereta myvi elegance ogos 2011 tapi interest terlalu tinggi iaitu 3.40% sy seperti sudah ditipu,ada ke cara hendak kurangkan interest atau ada cara yg terbaik yg lain??

  519. muhamad asraf February 21, 2012 at 8:11 pm

    salam…nak tanya basic saya rm1600 tolak epf rm1450..saya nk beli persona elegance m line auto…d/p 6k…xde komitmen lain,,loan boleh lepas x?monthly brape?

  520. BOB February 21, 2012 at 11:07 pm

    sy berminat nak ambik vios j auto + trd bodykit dan nak trade in myvi se auto 2008. balance loan 30000(sblum tolak discaun bank). basic dalam 2700 + elaun tetap 200 + elaun site 1000….tp cmpany ni tak potong epf….leh lepas x loan?brape harga trade in?

    • Mybestcardealer.com February 22, 2012 at 1:18 pm

      Boleh hubungi kami untuk dapatkan harga trade in tersebut? Berdasarkan gaji basic anda, yes mungkin anda layak untuk mendapatkan loan tersebut. Stock kereta mungkin kena tunggu bergantung kepada color. Sila hubungi pihak kami dan kami boleh submit loan dahulu.

  521. nur February 22, 2012 at 8:29 pm

    salam… sy nk beli 2nd hand Myvi manual (keta tu br setahun lebih) bape ye interest rate on loan? tq ^_^

  522. lll0l0lll February 23, 2012 at 10:54 am

    Hi,

    Emm sya nk tnya skit..Satrio Neo CPS Metallic macam mna kira ye? Down payment? Interest? Loan? Monthly? minimum salary?

    TQVM for ur time.

  523. LestatHadi February 23, 2012 at 9:44 pm

    Hi,

    Saya gaji bersih 2400 + 1000 (side income tetap),Kereta ingin dimiliki Toyota Vios J (Auto) Metallic.Downpayment 10k.Berapa best rate boleh dapat?

    Terima Kasih

    • Mybestcardealer.com February 24, 2012 at 12:05 am

      Ada pelanggan kami dapat interest rate 2.55% bagi type J manual dan jika record anda baik, ia tidak mempunyai masalah. Kami sarankan agar tuan dapat menghubungi kami di 019-3559448 untuk maklumat lanjut.

  524. Andy February 27, 2012 at 12:08 pm

    Salam…may i know which bank offer lowest interest rate for used car

  525. hadi February 27, 2012 at 12:13 pm

    Hi.. may i know interest rate and monthly installment for perodua alza auto advance edition? do u have any promotion? i plan to take 9 years installment with 10% d/payment.

    My basic salary is RM 3,300, public sector

    • Mybestcardealer.com February 28, 2012 at 9:40 am

      Salam Hadi, the interest rate is around 2.9% but we have had our customers who got 2.85%. We do have a cash rebate promotion for this model and it’d be best if you could call us to find out about this. We also will give away free gifts if you purchase any car from us.

  526. viva forever February 27, 2012 at 11:20 pm

    salam….
    saya nak tanya…saya bercadang nak membeli kereta viva (xdecide model apa). saya student master n xpernah bkerja. let say my mom yang umur dia 50thn dis year jadi saya punya guarantor boleh ke? then downpayment rm1k-2k. boleh saya tahu bulan2 brape sy kne byr?
    tq

  527. FaN February 28, 2012 at 11:23 pm

    Hi,
    Gaji RM800 + Elaun RM520…
    Buat Loan sehingga 9 tahun…
    Downpayment RM5000…
    Kerja sudah 4 tahun ( Swasta )
    Ingin membeli kereta terpakai….
    Kereta harga berapa yang layak untuk saya lulus pinjaman tanpa penjamin ?

  528. NOOR_86 February 29, 2012 at 1:02 am

    aslm..hi,
    saya goverment staf,gaji rm2998(basic+elaun)..ada komitmen p/loan rm1440 coz nk cepat habis..
    suami sy gaji rm2600++(kalu ot dapat rm2600-epf) komitmennya : kereta saga: rm489+ loan rumah rumah=rm890
    kalau kami nk joint loan, siapa yang patut jadi guarantor kepada siapa?
    model yang kami berminat forte 1.6, vios E dan paling tinggi honda city??
    boleh bagi cadangan….terima kasih

    • Mybestcardealer.com March 3, 2012 at 5:11 pm

      Kami sarankan agar saudari membuat joint-income untuk mendapatkan kelulusan yang lebih mudah. Honda City tiada stock jika saudari berminat. Berapakah down payment yang ingin dilakukan? Kami perlu kan maklumat lebih lanjut tentang saudari dan si suami untuk berbincang dengan lebih mendalam.

  529. Williskim February 29, 2012 at 8:57 pm

    Hi…saya ada sikit pertanyan tentang naza forte 1.6 yang full spec.saya kerja di singapore dan gaji bersih sebulan $1200 dollar.mungkinkah saya dapat 0%downpayment untuk beli kereta tesebut?

    • Mybestcardealer.com March 1, 2012 at 9:22 am

      Hi, you mungkin perlu provide guarantor untuk case seperti you. You nk beli kereta di Johor atau di KL? Pihak kami perlu mendapatkan maklumat lebih lanjut untuk memastikan bahawa anda layak membuat full loan atau tidak.

      • williskim March 8, 2012 at 9:34 pm

        hi,say ingin beli di johor.tentang guarantor,adik saya sudi jadi guarantor saya.dia juga kerja di singapore dengan gaji bersih sebulan $1500.sebelum ini saya tiada sebarang pinjaman dengan mana mana pihak.apa maklumat yang diperlukan untukk memastikan bahawa saya layak atau tidak untuk membuat full loan?

  530. Rosmizi Yaacob March 1, 2012 at 11:55 am

    Hi, my wife ada nak trade-in Honda Civic 1.7(A) V-Tec thn 2000 dgn MyVi 1.3 (A) std. Settlement bank masih ada $36,000. Market honda sekarang tak silap $41K. Kalau dapat trade-in, berapa monthly installment untuk MyVi itu?

    • Mybestcardealer.com March 1, 2012 at 1:48 pm

      Adakah anda maksudkan market harga jual adalah RM41k? Harga trade in akan jauh lebih rendah berbanding harga tersebut. Mungkin dalam RM 4-8k bergantung kepada keadaan kereta dan spec kereta, dan kami perlu tnya used car panels kami. Disarankan agar pihak tuan menghubungi saya En Ihsan di 019-3559448 untuk mendapatkan maklumat lanjut tentang harga trade in tersebut.

  531. FaN March 1, 2012 at 7:38 pm

    hi.. gaji basic saya sebulan rm800 + ELAUN RM520 total = RM1320.. budget down payment sye rm5000… sekarang pun dh 5 tahun bekerja..umur saya 22 tahun… boleh tak sye nk beli kereta proton neo 1.6 terpakai tahun 2007 dengan harga rm30k tanpa penjamin???.. boleh bantu sye tak?..

  532. azz March 3, 2012 at 2:25 am

    assalam,sy grad dan baru bekerja sebulan…berminat dgn Myvi 1.5SE..gaji 1000+200 status kontrak swasta 1 tahun….mak akan jadi penjamin dgn gaji lpas potong AKPK dlm RM3000 ..so,status bleh lepas @ x?

    tq.

    • Mybestcardealer.com March 3, 2012 at 10:46 am

      Hanya dengan skim graduasi sahaja anda mampu untuk memiliki Perodua Myvi. Hubungi pihak kami di 019-3559448 untuk mendapatkan keterangan lanjut mengenai proses seterusnya. Pihak kami perlu mengambil maklumat yang lebih terperinci untuk memastikan anda layak untuk mendapatkan model tersebut.

  533. ctkt March 4, 2012 at 9:29 am

    salam…

    saye plan nak beli kereta baru toyota vios. basic gaji saye rm2400. n saye plan nak byr d/p 4k. saye layk tak beli kereta vios ini?then boleh tak nyatakan interest rate, monthly installment, n saye nak loan dgn islamic bank utk vios j (manual) and (auto)..tq

    • Mybestcardealer.com March 4, 2012 at 10:06 pm

      Wasalam, Boleh beli guna graduate scheme tetapi interest akan lebih tinggi iaitu 3.1%. Disarankan agar saudari mencari seorg guarantor, ayah atau ibu untuk mendapatkan interest yang lebih rendah dan kelulusan dengan lebih mudah. Hubungi pihak kami di 019-3559448 untuk mendapatkan maklumat yang lebih lanjut.

  534. Mugundhan March 4, 2012 at 11:01 am

    I wanted to buy Forte SX 1.6L. I’m just graduated last year with STPM and have been working with salary rm2.2k. Now currently working as a personal financial exec with Basic salary RM1.5k + commission it would go around RM2.7k to RM3k. Can I apply full loan using graduate scheme through maybank ?

    • Mybestcardealer.com March 4, 2012 at 10:08 pm

      Your basic is quite low compared to the total amount of your monthly earning. We’d advise you to get someone to be your guarantor, otherwise it would be hard for you to get a loan. If you are interested, just call us directly.

  535. zaheir March 5, 2012 at 2:29 am

    hi i nak tanya ,
    i umur 19 tahun ,
    i sudah setahun lebih berkerja di syarikat advertising swasta .
    gaji 2k + OT 1k . bank statment i ade ,
    agak2 kereta ape i mampu miliki ?
    persona manual lepas tak ?

    • Mybestcardealer.com March 6, 2012 at 12:19 am

      Boleh, pihak kami boleh cuba membantu. Anda mungkin perlu mendapatkan penjamin kerana faktor umur anda yang terlalu muda. Lebih baik saudaraa menghubungi kami di 019-3559448 untuk dapatkan keterangan lanjut.

  536. Jay March 5, 2012 at 9:34 am

    Siapa yang layak jd guarantor selain ibu or bapa.ibu bapa saya sudah 60 tahun ke atas.tq

  537. haniey March 5, 2012 at 11:10 am

    Gaji bersih sy 1k dah tolak rumah +personal loan, husb RM800..klu sy nak amik alza premium 1.5, D/P RM20K..bole approve x? brape interest? brape sebulan?

    • Mybestcardealer.com March 5, 2012 at 9:05 pm

      Salam haniey, husb tu husband ye? Jika haniey berminat, kami sarankan agar saudari membuat pinjaman joint-income bersama suami kerana commitment anda yang tinggi. Interest rate terendah adalah dalam lingkungan 2.85% dan ia juga bergantung kepada kelayakan. Jika saudari berminat, boleh lah hubungi kami di 019-3559448. Ada discount promotion pada bulan ini jika saudari berminat. Bayaran bulanan adalah seperti berikut:

      Model: Perodua Alza Premium 1.5 Auto
      OTR Price: 63,490
      Downpayment: RM 20k
      Interest: From 2.85%
      Period: 9 years
      Monthly: RM 506 /=

      Jika sudah bersedia, boleh lah hubungi kami untuk membuat temu janji.

  538. ZNA March 5, 2012 at 12:31 pm

    Ingin mendapatkan proton FLX. gaji basic RM1000. Untuk Guarantor ayah yang berpencen RM500 sebulan dan Ibu yang berniaga sendiri dan mempunyai buku bank aliran keluar masuk. apa possibility sy utk mebeli kereta ini. tq

  539. ZNA March 5, 2012 at 12:36 pm

    Ingin memiliki Proton saga FLX atau Proton BLM. Gaji basic RM 1000. Guarantor yang ada, Ayah yg berpencen sbyk RM500 sebulan dan Ibu yang berniaga sendiri dan mempunyai aliran buku keluar masuk bulanan. Apa posibility saya untuk memiliki kereta tersebut? dan jika tidak layak, apa lagi cara lain yang boleh di guna pakai utk memiliki kereta tersebut.

    terima kasih

  540. mie March 6, 2012 at 1:34 am

    Salam…gaji bersih (nett pay) rm3600…sy bercadang nak beli honda CRZ (harga 115k)…dgn d/p rm10k boleh x lepas loan sy utk 9 tahun plus trade in kete myvi sxi tahun 2008?komitmen sy hny personal loan rm330/month (lagi setahun stgh abis bayar)

    • Mybestcardealer.com March 6, 2012 at 11:27 pm

      Hi Mie, Berdasarkan gaji saudari, memang tiada masalah untuk mendapatkn model CRZ. Tetapi kami perlu tahu tentang baki kereta myvi saudari kerana baki hutang mungkin lebih tinggi berbanding market value kerana ia masih baru 3-4 tahun. Jika mie berminat untuk membuat tempahan Crz, boleh lah hubungi pihak kami dengan segera di 019-3559448.

  541. hanz March 6, 2012 at 11:44 am

    saya nak tanya ,kalau saya seorang pelajar, saya nak membeli kereta second hand dengan bayaran sekaligus ,boleh tak ?

  542. duan March 6, 2012 at 12:01 pm

    Adik sy bergaji 1400 sebulan, rekod bersih, dia nak ambil alza premium RM 60K, dia dah ada d/p 8K, loan 9 thn. Saya sanggup jadi guarantor dia. Gaji sy 4K sebulan, tetapi nama sy blacklist CTOS. Bolehkah sy jadi guarantor dia?

    • Mybestcardealer.com March 7, 2012 at 9:32 am

      Duan, CTOS tu dah settle ke belum? Apakah punca sebenar blacklist tersebut. Yes, adik anda perlu mendapatkan guarantor untuk membeli kereta tersebut. Jika duan berminat, boleh lah hubungi pihak kami dengan segera untuk mendapatkan promosi diskaun yang masih berjalan.

      • duan March 7, 2012 at 12:23 pm

        1. CTOS belum settle lagi, jadi sy tak layak unt jadi guarantor dia ke?
        2. Brape minimum d/p supaya dia tak perlu guarantor, mungkin sy boleh top-up kan? Dia nak juga alza premium manual.
        3. Jiran/kawan boleh jadi guarantor?

  543. ayda March 6, 2012 at 1:47 pm

    saya berhasrat utk memiliki toyota vios,gross monthly salary rm2800+,nett rm2500 after deduct KWSP..other commitment rm400+ (personal loan)…kalau d/p rm10k,boleh dapat specs ape?berapa monthly nye?

    • ayda March 7, 2012 at 8:06 am

      still waiting…..hope to hear from u soon :)

    • Mybestcardealer.com March 7, 2012 at 9:20 am

      Berdasarkan maklumat yang diberikan oleh saudari, kami mensyorkan agar saudari mengambil vios auto J kerana commitment saudari terhadapa personal loan tersebut. Jika saudari ingin membeli body kit trd original, pihak kami juga menjual bodykit tersebut dengan harga yang berpatutan. Jika saudari berminat, boleh lah hubungi kami di 019-3559448 untuk mendapatkan maklumat lanjut.

  544. Haikal March 6, 2012 at 9:55 pm

    Gaji bersih 2600..hanya ada komitment asb loan 180..nk beli 2nd honda civic harga 80k..layak x?

    • Mybestcardealer.com March 6, 2012 at 10:55 pm

      Haikal, haikal kerja di syarikat mana? Rasa nya tiada masalah untuk mendapatkan loan.

      • haikal March 7, 2012 at 10:36 am

        dua tahun kerja di syarikat swasta..kalau kereta baru, apa yang sesuai dgn gaji saya..saya lebih minat kereta luar..any advice sir?

      • Mybestcardealer.com March 7, 2012 at 11:34 am

        Berdasarkan gaji, kami nasihatkan agar loan yang dibuat tidak melebihi RM 80k. Boleh dapatkan vios, naza forte, honda city dan juga ford fiesta. Jika anda berminat, boleh lah hubungi pihak kami dan lebih elok juga ambil model baru kerana interest yang jauh lebih rendah dan maintenance cost yang jauh lagi murah.

  545. nazri March 6, 2012 at 10:43 pm

    Sy cikgu sekolah menengah, nak beli used car (chevrolet aveo/proton waja both berharga rm20k) utk tunang.
    Commitment: Proton waja,rm450 monthly.
    Loan kereta tinggal lagi around 5years.
    Gaji bersih tolak loan kereta & personal loan : rm1100
    boleh approve tak kalau sy buat loan kereta utk 9 tahun? bank mana yang provide lowest interest for used car?

  546. ida March 6, 2012 at 11:53 pm

    salam..sy kakitangan swasta..dah bekerja 2thn..tp taraf jawatan kontrak..gaji based on commision..gj basic rm600..tp gaji bersih rm 2k..nak kena ada penjamin ke utk beli kereta..?layak ke sy buat pinjaman kereta utk proton flx?

    • Mybestcardealer.com March 7, 2012 at 9:37 am

      Wasalam ida, berdasarkan status pekerjaan kontrak, saudari perlu sediakan guarantor, ibu atau bapa, atau adik-beradik yang sudah berkerja. Jika tidak, ia amat mustahil kerana gaji basic anda yang rendah. Boleh hubungi pihak kami jika saudari telah bersedia.

  547. ridh March 7, 2012 at 12:12 pm

    saya nak tanya,apakah syarat minimum yang diperlukan oleh seseorg untuk membeli kereta baru dalam harga 60k tanpa ada penjamin.?

    • Mybestcardealer.com March 7, 2012 at 1:58 pm

      Minimum gaji dalam lingkungan RM 2,500. Ia juga bergantung kepada commitment anda, status pekerjaan, company yang sedang berkerja. Jika anda ingin mendapatkan maklumat lanjut, boleh lah hubungi kami di 019-3559448.

  548. Neow March 7, 2012 at 4:25 pm

    Hi, saya nak beli honda civic 1.8. Basic salary saya ialah rm3500. Saya keja dkt Wisma Sime Sarby, jln raja laut. Saya hendak tau loan lepas tak?
    then berapa interest if wanna buat 9 tahun. Down payment will be 15 k.

    • Mybestcardealer.com March 7, 2012 at 10:02 pm

      Hi Neow, pihak kami boleh cuba dapatkan loan tersebut. Berapa lama anda sudah berkerja? Kerja contract atau tetap? 3 bulan lepas kami mendapat case yang sama seperti ini, gaji basic 3.5k tetapi pelanggan tersebut memerlukan penjamin kerana beliau baru berkerja. Jika tuan berminat, boleh submit document and pihak kami cuba dapatkan kelulusan dahulu. Berminat, boleh lah hubungi pihak kami di 019-3559448.

  549. Neow March 8, 2012 at 8:03 am

    Thanks for your reply. Now is the 3rd year i am with Sime Darby and this is the permanent job. Currently i am doing HR. Anyway will give you a call should I need further details. Thanks once again and have a nice day.

    • Mybestcardealer.com March 8, 2012 at 9:16 am

      Sure thing and thank you for your time. Based on your background, it shoudn’t be a problem. Kindly forward your documents to us while we still accept the booking for the current model.

  550. FaN March 8, 2012 at 9:38 pm

    Assalamualaikum… Ingin bertanya…
    Proton Neo 1.6 A tahun 2006 Rm29800 (Second hand usecar)…
    Downpayment RM13k ( buat loan bank RM16.8k)
    Interest rate 4.0% ( 7 tahun )
    Bulanan RM256 ( x3 = RM768, cukup syarat untuk gaji saya tanpa penjamin)
    Gaji basic saya RM800 + RM520 elaun… adakah lepas untuk saya buat loan bank tanpa penjamin? Bulanan x 3 jangan melebihi gaji kita… so adakah saya lepas tanpa penjamin?

    • Mybestcardealer.com March 11, 2012 at 2:32 pm

      Pihak bank selalu nya tidak mengambil kira elaun dan sekarang ini, bank telah mengetatkan proses kelulusan permohonon pinjaman kereta dan mengambil gaji bersih sebagai panduan. Jika Fan berminat, mungkin masih sukar tuk dapatkan pinjaman.

  551. CS March 9, 2012 at 11:34 am

    Hi , i wish to buy Toyota Celica(A) used car , my basic salary RM1,200 ,
    am I affordable to buy this modal ??? If yes how much downpayment should i pay & how much monthly payment for 9 years with interest ?? Any promotion for this model ??

  552. nurashikkin March 9, 2012 at 11:47 am

    hi
    gaji saya 1200 sebulan …jumlah bersih setelah tolak epf dan advance berjumlah 786..
    boleh tak saya buat loan kereta untuk saga fl baru?

  553. mona March 11, 2012 at 4:37 pm

    hello,

    i am currently working with Utusan as a journalist with basic salary of RM2200 + 620 allowance.

    thinking bout getting a swift. is that possible?
    i suck at these loan calculations so it’d be great if u could enlighten me.

    p/s: which swift should i take, GX or GLX?
    thanks.

    • Mybestcardealer.com March 11, 2012 at 9:43 pm

      Hi Mona, thank you for using our online services. Based on your basic salary, we would recommend you to get the GX model. It is a lot cheaper than the GLX model and how much are you willing to pay for the down payment:

      Model: Swift GX
      Price: RM 65,901
      Down payment: RM 6,590
      Interest: 2.55% (Approx)
      Period: 9 years
      Monthly : RM 675

      Kindly let us know if you want set an appointment or call us at 019-3559448.

  554. yana sidi March 11, 2012 at 10:28 pm

    Hi..saya bercadang membeli kereta vios second hand dalam harga sekitar 53k..gaji basic saya 1.5k dan saya masih mempunyai kereta viva yg masih ada 7 tahun pinjaman dapatkah saya untuk membuat pinjaman..

  555. fauzi March 11, 2012 at 11:17 pm

    Salam,
    ingin bertanya .. sekiranya gaji bersih saya RM2100 (gross RM3480), berapa banyak loan (RM) yang boleh saya apply?

  556. maon March 12, 2012 at 12:41 pm

    Need ur opinion.

    saya ada ATOS1.0 auto dan suami sy ada Myvi1.3 manual. Both lg +- 3 thn nak abis bayar. Kami ingin menjual kedua2 kereta dan beli satu saja kereta baru. Boleh ke kalau kami jual dan beli yg baru dgn sambung loan kereta lama utk kereta baru tu? Kalau boleh nak beli baru tu takde hutang lg utk kereta lama. Atau ada cadangan lain?

    • Mybestcardealer.com March 13, 2012 at 9:58 am

      Maon, mana ada cara sebegitu. Bila you trade in kereta, used car company akan membayar dengan harga yang ditetapkan. Jika harga jualan lebih tinggi daripada baki hutang kereta anda, dan anda akan dapat baki tersebut. Jika sebaliknya, anda perlu membuat pembayaran bagi melangsaikan hutang tersebut.

  557. zai March 13, 2012 at 9:16 am

    SALAM…tumpang tanye klu gaji saya basic rm950+ elaun rm195=rm1145,kerja dah 7tahun,dan suami saya jadi penjamin dengan gaji rm70/hari tetapi slip gaji tanpa cop company kerana suami saya bekerja kontrak binaan subc0n…saya ingin membuat loan kereta second Gen2 tahun 2006 dengn harga 24k…downpayment 4k…boleh lulus x?

  558. paizal March 14, 2012 at 9:23 am

    slmt pg..sy nak beli proton waja 2001 manual 1.6 dengan harga rm17000. sy keje goverment.gaji kasar sye adalah rm1361.11.gaji bersih rm577.11.mcam mane sy nak dapatkan loan kete tersebut?jika melalui bank xlepas ada syarikat kredit bagi pinjaman tersebut?can help me?

  559. putri March 14, 2012 at 3:12 pm

    saya kakitangan awam… saya berminat dengan proton saga flx.gaji 1369.00(basic + elaun ) potongan dalam slip gaji rm 800 .. blh tak saya buat full loan n tanpa penjamin..

    • Mybestcardealer.com March 14, 2012 at 9:20 pm

      Salam putri, berdasarkan maklumat yang diberikan, anda tidak boleh membuat pinjaman full loan tanpa penjamin. Gaji basic seharusnya melebihi RM 2,000 untuk anda memiliki model saga tanpa guarantor.

  560. amin March 14, 2012 at 3:52 pm

    Hye,,
    saya nak beli vios J baru, saya fresh graduate dan baru kerja 4 bulan. basic saya cuma RM1800.tolak EPF and socso tinggal RM 1590. bulan ni saya dapat gaji dalam RM2800. boleh lepas tak loan saya tanpa gerento? saya tak pernah ada loan ape2. downpayment minimum berapa?kalau 4k lepas tak?

    • Mybestcardealer.com March 14, 2012 at 9:24 pm

      Salam amin, bank sudah mengetatkan proses untuk mendapatkan pinjaman, anda mungkin tidak layak untuk mendapatkan vios J. Kenapa gaji bulan ni adalah RM 2,800? ada fixed elaun ke? Berdasarkan gaji basic amin, pada masa kini, amin hanya boleh mendapatkan model seperti Perodua Viva dan Proton Saga sahaja. Harap amin faham tentang keadaan ini.

  561. Jason Tang March 15, 2012 at 1:45 pm

    Hi,saya mempunyai kereta Kia Spectra 1.6 Auto-Tahun 2002. Saya ingin menjual kepada staff saya. Dia baru start berkerja dengan saya,selama 4bulan sebagai lori driver. Gaji basic RM2200,elaun & lain RM650. Jumlah RM2850 sebulan.Tapi saya belum start buat EPF atau Socso untuk dia. Saya dapati buku bank akaun dia,cuma ada sedikit wang baki didalam,sudah setahun akaun dia tak usik. Selain ini,isteri dia setuju nak jadi garentor dia,tapi isteri dia sama kes dengan dia,cuma ada payslip yang dia sedang berkerja disebuah kedai rambut,yang lain seperti buku bank,EPF atau Socso tak ada. Adakah staff saya layak membuat loan untuk membeli kereta ini?

  562. FaN March 15, 2012 at 7:01 pm

    Sebagai contoh kena bayar bulanan RM250 setiap bulan.. pihak bank kalau nak lulus kena x 3.. contoh RM250 x 3 ( kelulusan tanpa penjamin).. basic saya rm800.. adakah itu masih sukar lagi untuk dapatkan pinjaman?

  563. Jeffrey March 16, 2012 at 9:26 pm

    Hi, I am 20years old. want buy a second hand perodua kelisa around 17k.
    downpayment 3k. want pay for 5years. nett salary 2.2k. half year bank statement, and epf all nice. got employment letter.
    can i get loan approve??

  564. ken March 17, 2012 at 11:58 am

    hi
    gaji saya 1050 sebulan …jumlah bersih setelah tolak epf berjumlah 933 ..
    boleh tak saya buat loan kereta untuk kelisa 2nd harga rm28500?

  565. Mohd Afizol Wahab March 17, 2012 at 2:36 pm

    Hi Admin,
    Sy berminat untuk membeli proton yang terbaru ( proton p3-21a ). sekiranya harga jangkaan 75k( H-Line ) . adakah sy layak untuk memohon?

    gaji basic : Rm2500
    elaun tetap : Rm300
    Status kerja : tetap
    Mula bekerja: january 2012
    Downpaymnt : 10 %
    status : single
    tanggungan : ptptn shj

    Terima kasih. :)

    • Mybestcardealer.com March 17, 2012 at 11:03 pm

      Perlu ada guarantor bagi kes anda. Jika ada document, pihak kami sarankan agar tuan membuat tempahan booking dengan segera. Dijangka ramai orang yang sudah membuat booking dan takut anda perlu menunggu lebih masa untuk mendapatkan kereta tersebut.

  566. faifai March 18, 2012 at 1:39 am

    basic gaji saya rm1000.kalau plus2 insentif and elaun bole la dapat rm2k….rasa2 lepas tak apply tuk zerodownpayment viva?

  567. Jason Chua March 18, 2012 at 5:35 am

    I’m wondering can i get a full loan for a sec-hand car costing RM47,500 for 9 years?? :)

  568. FaN March 18, 2012 at 9:27 pm

    Basic RM800 Net salary sudah dipotong segala EPF…

  569. redz March 18, 2012 at 11:29 pm

    Gaji kasar=1,400 dan bersih=1,235+OT. Cadang nak ambil alza premium 61K. Kalau sy letak d/p 27,000 dan buat loan 34,000 selama 9 tahun, lulus tak loan saya? Saya tak mahu guna penjamin.. leceh.. dan isteri pula tak kerja. Dah bekerja selama lebih 5 tahun di sykt swasta yg sama. Umur sy 30 tahun.

    • Mybestcardealer.com March 20, 2012 at 12:22 pm

      Hi redz, pihak kami boleh cuba tetapi kami pihak kami boleh katakan harapan itu amat tipis kerana gaji kasar saudara tidak memenuhi gaji minimum walaupun down payment sebesar 27k. Boleh hubungi pihak kami dulu dan kita boleh berbincang untuk maklumat ini dengan lebih lanjut.

      • redz March 21, 2012 at 11:57 pm

        Terima kasih. Kalau saya tak layak tanpa penjamin, baik saya simpan dulu 27K tu dan kumpul lagi duit sehingga saya layak buat loan tanpa penjamin. Isteri dan ibubapa tak kerja, dan tak mau menyusahkan adik-beradik. Berapa harus saya letak sebagai d/p untuk lulus loan alza 61K tu? Saya akan setkan target saya untuk kerja lebih kuat lagi. Tapi mengikut kiraan saya 27K d/p dah ok, tapi mungkin kiraan saya salah.. harap maaf.

  570. ibeekwan March 18, 2012 at 11:40 pm

    hi…i wan buy 1 car of naza forte…how much the price??n what document nid??

  571. Farish March 19, 2012 at 12:46 am

    Hi..

    My basic salary is 3450 (Private company – Berhad), potongan just socso + epf. No credit card/any other loan. Boleh tolong suggest kereta yang sesuai untuk saya? Plan asal nak amik Vios J (AT) je, tapi bila survey ada few car yang price range (70k-80k ) lebih kurang Vios J je. Kia Forte/Ford Fiesta/Mazda 2 – spare part/maintenance Mahal/Payah nak cari. Option yang ada just Vios/Honda. Vios – dah banyak sgt org pakai. So plan nak amik Honda, tp Honda mahal plak, tgk kat website honda 90k harganya. Boleh tlg suggest kereta ape sesuai dari segi maintenance/spare part + kalau nk jual balik harga xjatuh melampau sangat.

    Downpayment: 10%
    Monthly payment: range 700-900.

    • Mybestcardealer.com March 20, 2012 at 6:11 pm

      Kami suggest Farish untuk membeli sama ada model Vios J atau Naza Forte. Maintenance Naza Forte tidak terlalu mahal, salah satu admin pon pakai Naza forte dan maintenance cost sama sahaja seperti honda city. Kami ada promotion terbaik bagi Naza Forte jika Farish berminat. Kalau vios, ia murah dan save minyak juga tetapi untuk dibandingkan accessories dan interior, kami suggest amik Naza Forte. Ia lebih berbaloi. Hubungi kami jika berminat di 019-3559448. Pihak kami akan cuba membantu anda membuat keputusan. Kalau nk make up kereta pon, pihak kami boleh sediakan original body kit at reasonable price.

  572. sweet escape March 19, 2012 at 11:01 am

    Maaf, saya nak tanya tentang saga FLX SE. Gaji basic saya rm 1900, plus allowance total adalah rm 2700. Saya gov staff, Kalau downpayment rm 4000, berapa installment bulanan dan boleh saya dapatkan interest paling rendah.

    Terima kasih

    • Mybestcardealer.com March 19, 2012 at 5:33 pm

      Hi, adakah elaun yang diterima itu adalah elaun tetap?
      Model: Proton Saga SE 1.6 FLX
      Price: RM 49,899
      Interest: 2.9% (approx)
      Tenure: 9 years
      Monthly: RM 536

      Pihak kami boleh cuba untuk dapatkan rate yang terendah bagi saudari. Itu saudari tidak perlu risau. Cuma sediakan salinan ic, lesen, pay slip 3 bulan dan bank statement 3 bulan. Hubungi kami di 019-3559448 untuk mendapatkan maklumat lanjut.

  573. Fiona March 19, 2012 at 3:58 pm

    Hi,

    I would like to know if i trade in my viva elite manual which i bought in sept 2009, and i still have 39k more to go.. 9 years of loan. if i to change my car to myvi, how much upfront i need to pay?

    Thanks.

    • Mybestcardealer.com March 19, 2012 at 4:16 pm

      Hi fiona, your outstanding balance is too high. The trade in value for your car is around 20k plus. You need to top up the difference between your loan and the market value which is around RM 15k plus. We’d recommend you to keep the car as of now.

  574. redz March 19, 2012 at 4:55 pm

    Gaji basic= 1420, gaji bersih=1220 + OT. Saya minat alza premium manual 61K. Kerja dan lebih 6 tahun di sykt swasta yg sama. Umur 30 thn. Takde hutang apa2 dgn bank, rekod ok. Jika sy letak d/p= 27,000 dan hanya apply 34,000 loan selama 9 tahun, agak2 lulus tak? Sy tak nak guna penjamin, menyusahkan … dan isteri tak kerja, jadi tak leh joint-income. Lulus tak loan sy berdasarkan pengalaman encik?

  575. shah March 20, 2012 at 12:14 pm

    hi, gaji basic rm1200 + elaun rm300. bekerja selama 3bulan (glc company). d/p 3000. berminat dgn new toyota vios. perlu guarantor ke? apa keistimewaan glc?

  576. shah March 20, 2012 at 12:24 pm

    thks… if kereta proton model ape boleh sye amik? full loan boleh x?

  577. Miz izzy March 20, 2012 at 12:25 pm

    good day…

    i am gov staff… gaji basic rm1020.02, elaun RM595.. hutang monthly rm680.. tu je… right now i owned Satria 1.6 XLi thn 1997 dan i bought by cash.. i wish to trade in that car dan nak pakai kereta yg below rm50k yg ade 4 pintu… cuz my mum nagging my car susah nak tumpang since ade 2 pintu sahaja…

    got any idea what type of car can i buy and how can i trading my satria…

    • Mybestcardealer.com March 20, 2012 at 1:56 pm

      Hi mizz, you have a very high commitment and we would suggest you to take either Myvi 1.3 or Proton Saga. However, you need to provide a guarantor in your case. How much down payment are you willing to make? We do accept trade in and kindly call us directly at 019-3559448 so that we can discuss this in more details. Thanks

      • Miz izzy March 20, 2012 at 2:06 pm

        thankz for the info…

        if i just buy viva 660 basic manual, how about that? i just think to trade my satria, then how many yg dpt, i akan jadikan sebagai down payment.. if my down payment rm5k, berape monthly installment?

      • Mybestcardealer.com March 20, 2012 at 2:48 pm

        Miz, your elaun is fixed every month? If you are planning to get the viva, then it shouldn’t be a problem. Monthly should be around RM 260-RM 280 with 5k down payment.

      • Miz izzy March 20, 2012 at 3:02 pm

        yup… my allowance is fix so far…

  578. Miz izzy March 20, 2012 at 3:07 pm

    secara kasar, berapa agak2 harga pasaran satria 1.6 xli 1997?

  579. amir March 20, 2012 at 3:38 pm

    Salam/Hye,

    Ingin bertanya, apa syarat2 utk membeli kereta, tetapi berkerja sendiri (mempunyai Enterprise dan payment gaji bersih RM3.5k, slps tolak tolak kwsp 11%). Adakah perlu statement bank company or personal?
    Ingin membeli kereta bagi kegunaan individu, bukan comp.
    Dan berapa loan yang saya layak. Terima kasih.

    • Mybestcardealer.com March 20, 2012 at 5:49 pm

      Wasalam, Ada cashflow masuk bank tak gaji tersebut? Boleh sediakan ssm, bank statement, kwsp, pay slip jka ada. Loan ada disarankan tidak melebihi RM 100,000 untuk mendapatkan kelulusan dengan lebih mudah. Berapakah down payment yang ingin dilakukan?

      • amir March 21, 2012 at 4:16 pm

        cash flow utk gaji mmg ada masuk ke personal acc. tetapi saya masih belum decide kereta apa memandangkan nature biz saya memerlukan 4wd dan comp baru beroperasi awal tahun ini. d/p mungkin sekitar 5k-10k.

        btw, jika isteri saya ingin trade in kereta dia (viva 850 cc,manual,black color) registered n bought on Apr/2010, monthly rm401.00/9yrs/4.0% interest (grad scheme-jumlah loan +-rm31000); dan joint income dgn saya utk kereta baru blh ke?my wife gov servant dgn basic salary rm1800 + fixed allowance rm540 (tetapi komitmen tinggi roughly around 1k). joint salary kami sekitar -+rm5.6k (dengan komitmen rm1.5k).

        please advice in which way that suit us best. tqvm.

      • Mybestcardealer.com March 21, 2012 at 5:48 pm

        Choice yang you ada bagi 4wd adalah hyundai tucson. Kami tidak sarankan agar tuan menjual viva tersebut kerana hutang kereta tersebut sangatlah tinggi dan anda perlu menanbah wang untuk menjual nya. Kalau amik kereta sedan boleh yang berharga bawah 100k?

  580. nizam March 20, 2012 at 5:15 pm

    salam…
    saya nak trade in kereta saga blm yang saya beli pada bln 9 tahun 2008.saya telah membayar 10% deposit kereta berkenaan dan bulanan sebanyak RM456 selama 9 tahun.soalannya jika saya menjualnya adakah saya perlu menambah wang untuk settlekan hutang saya atau saya akan mendapat sedikit wang hasil dari jualan kereta saya untuk dijadikan deposit?tq

    • Mybestcardealer.com March 20, 2012 at 5:44 pm

      Wasalam Nizam, kami perlu dapatkan baki hutang anda dan anda boleh dapatkan maklumat itu daripada bank. Kemungkinan besar, mungkin anda perlu menambah sedikit shaja tetapi kami perlu check harga sebenar. Kami sarankan agar anda dapat hbungi kami jika berminat di 019-3559448.

  581. Chua Kwong An March 20, 2012 at 8:18 pm

    HAllo…
    saya ingin loan myvi 1.5 SE…
    basic salary saya 2K
    ada masalh ke??
    sekiranya deposit saya bayar 20K, loan utk 5 thn… brp interest rate dan payment each month??
    please..

    • Mybestcardealer.com March 20, 2012 at 8:27 pm

      Hi chua,

      Pihak kami boleh cuba bantu anda utk dapatkan pinjaman tersebut. Jika loan 5 tahun, ia mungkin agak sukar kerana bayaran bulanan nya adalah RM 68+.++ dengan 20k down payment. Kami sarankan agar anda mengambil tempoh pinjaman 7 tahun untuk memudahkan proses mendapatkan pinjaman. Hubungi En Ihsan di 019-3559448 untuk membuat tempahan.

  582. fendy March 21, 2012 at 5:28 pm

    Hi..
    Gaji saya rm1700 + sewa (sijil pw4) rm450 + saya mempunyai rumah sewa rm720 sebulan ini adalah pendapatan tetap saya setiap bulan.Saya bayar loan untuk rumah rm450 sebulan.
    Saya nak beli exora bold auto dengan down payment 10k.
    Adakah saya layak atau tuan boleh cadangkan apakah jenis mpv yg sepadan dgn pendapatan saya.

    Terima Kasih.

  583. Mybestcardealer.com March 21, 2012 at 6:10 pm

    Hi Fendy, you dah berkahwin ke belum? Kami sarankan agar tuan membuat joint income loan dengan isteri untuk mendapatkan kelulusan mudah. Skrg loan memang susah nk buat, and average gaji basic perlu sekurang-kurangya RM 3,000 untuk mendapatkan loan setinggi RM 70-80k.

  584. Lynn March 21, 2012 at 8:34 pm

    Hi..
    Saya bekerja dalam sektor kerajaan…gaji bersih saya RM 858 (BERSIH)..saya mempunyai sebuah kereta wira Aeroback SE 1.5 (2004) yang mana saya telah membayar RM 320 selama 14 bulan.Ketika membuat loan saya membuat loan selama 7 tahun. Saya bercadang untuk menukar kereta dan trade in wira saya ni. Saya ingin bertukar kepada kereta Vios (Terpakai) dlm lingkungan harga RM 38000-RM45000.Sy ingin meminta pendapat tuan, sama ada saya masih boleh membuat full loan sekiranya saya ingin membeli kereta Vios tesebut.

    • Mybestcardealer.com March 21, 2012 at 11:00 pm

      Lynn, agak sukar bagi kes Lynn sebab nett income saudari tidak memenuhi syarat. Minimum mungkin dalam RM 1,500 kerana interest yang tinggi. Kami rasakan Wira tersebut mempunyai hutang yang masih tinggi dan mungkin lynn perlu membayar wang untuk menjual nya.

  585. micro_farad March 21, 2012 at 10:23 pm

    hi/salam..

    sy ingin membeli kereta MPV(2nd hand) ..basic gaji +elaun tetap =rm3900..brape jumlah loan yg layak utk diri sy?..sy bercadang utk membuat loan dlm lindungan 5-6 thn shj..

  586. ermina March 22, 2012 at 3:36 pm

    Hi…nk beli forte 2.0
    -gaji: rm2500 + elaun tetap rm1500 = RM 4000 tiap-tiap bulan.( pendapatan tiap2 bulan sebanyak ni sudah tolak sume hutang)
    -kerja kerajaan
    -nak full loan boleh? kalo x boleh, forte 1.6 SX boleh dpt full loan?
    thanks…

    • Mybestcardealer.com March 22, 2012 at 6:05 pm

      Ermina, boleh buat grad scheme tetapi lebih elok jika saudari dapatkan penjamin supaya saudari mendapat interest yang lebih rendah. Kami mempunyai promotion yang sangat menarik pada bulan ini, hubungi kami secepat mungkin jika saudari ingin membeli nya dalam masa yang terdekat.

  587. goro -goro March 23, 2012 at 12:51 am

    hello,
    nak tanya ni. saya baru dapat lantikan nak masok kerja dalam sektor kerajaan. tapi belom start keja lagi dan bakal masuk lapor diri dalam bulan april 2012. Dalam surat pelantikan saya, basic gaji saya dalam 1600. bolehkh saya loan persona m-line metallic? brapa bulanan down payment sekiranya saya memilih untuk upfront rm 0? brapakah interest rate untuk 9 tahun?

  588. raisa March 23, 2012 at 3:36 pm

    hi/salam..

    sy ada sedikit pertanyaan. sebelum ini sy telah menyertai program AKPK. sekarang sy berniat utk trade in kereta honda civic sy utk sebuah MPV terpakai tahun 2006 berharga dlm (83k). selepas tolak d/p sy anggarkan loan baru dlm 70k. gaji saya RM4200.
    1) apakah peratus kelulusan loan br tersebut memandangkan sy telah menyertai AKPK
    atau sy harus keluar dr AKPK dahulu.
    2) bolehkah sy mendapat loan 9 tahun bg kereta terpkai tahun 2006?
    3) berapakah anggaran ansuran bulanan bg loan baru tersebut?

    terima kasih.

  589. warknee March 24, 2012 at 2:44 pm

    hi..
    sy plan nk beli civic 1.8 tp ada dilema nk decide yg mn lebih value to my money& sy layak utk belian tersebut.
    -gaji 2222(basic)+elaun 850=2700(bersih-lbh kurg)
    -keje k’jaan
    1) buy new civic, d/p rm12000, mtly pymt rm1269 -keep my old car kancil
    2) buy new civic, let go kancil, d/p rm20k, mtly pymt rm1175
    3) buy 2nd-hnd civic 2010, d/p rm12000 +let go kancil (rm8000), mthly pymt=rm….?

    adakah dgn gaji sy, sy layak utk any option di atas?

  590. azrie March 24, 2012 at 11:38 pm

    hi…
    sy ingin membeli nissan sentra tahun 2001 pada harga 30k, berapa interest rate, utk tempoh masa 5 atau 7 thn?

  591. Jecqo March 25, 2012 at 9:21 am

    Assalamualaikum,
    Boleh tahu interest utk VW Polo Sport 1.2 TSI 2012 yang baru tak? 9tahun, bakal pembeli jurutera swasta, umur 31,bergaji lingkungan rm4700, tiada langsung komitment loan lain kecuali asb loan dlm rm35k.. Dp dlm rm15k..

    • Mybestcardealer.com March 25, 2012 at 4:24 pm

      Waalaikumussalam.

      Interest paling rendah adalah dalam 2.35% dan ke atas dan ia juga bergantung kepada pihak bank. Jumlah bayaran bulanan adalah seperti berikut:

      OTR Price: RM 113,888
      Model: Volkswagen Polo 1.2 Tsi
      Down payment: RM 15,000
      Interest: 2.4% (anggaran)
      Monthly: RM 1,113

      Jika tuan berminat untuk membeli model ini, boleh lah hubungi kami di 019-3559448. Seterusnya, pihak dealer volkswagen kami akan berurusan dengan anda.

  592. akma March 25, 2012 at 8:09 pm

    assalamualaikum,
    boleh bagi cadangan kereta apa yg pling sesuai dgn pnjawat jawatan swasta bergaji 3k kebawah?

    terima kasih.

  593. Mercury March 25, 2012 at 11:36 pm

    Hi,

    I’m thinking to get Hyundai i10 within this month. I’m earning basic salary of RM4218 per month, no car/house/personal loan but study loan of RM360 installment per month and working for GLC. I can put down RM10k downpayment and plan to go for 3 years loan….Is it possible? Think I have bad credit record, I had credit card and car loan issue years ago but have settled off both with no outstanding amount left……would this bad credit record affect loan approval for this car???

    What is the latest interest rate for this car, and which colors have immediately available stock? Please provide details and advise…..

  594. emrys March 26, 2012 at 2:11 am

    salam…

    can i know what are the criteria for someone who are interested in nissan sylphy??
    - income, commitment, interest, loan, guarantor etc… i need some details…

    • Mybestcardealer.com March 26, 2012 at 7:08 pm

      Wasalam, which one that you are interested in? Below is the list of variants available:

      Sylphy 2.0 XL Comfort OTR RM114,880.00
      Sylphy 2.0 XL Luxury OTR RM119,880.00
      Sylphy 2.0 XV Premium OTR RM124,880.00

      Whats your basic salary? How much down payment are you willing to pay? Thanks.

  595. ceesda March 26, 2012 at 1:45 pm

    Hi,

    My salary is 3300 (net) and am foreigner working with mining company here in Malaysia.

    house: rm500
    internet etc: rm100
    meal: 700
    saving up: 300
    misc: 200

    I’m interested to buy mazda 3 cost about 110k. the guarantor would be my fiance who is Malaysian but salary only 2500 after EPF,socso,tax.

    Am i eligible for it?

    • Mybestcardealer.com March 26, 2012 at 7:19 pm

      Cesda, Is your net salary after deduction of all the list you mentioned above? Foreigners would have to pay 20% down payment and max loan of 5 years. However, if you have a local guarantor, the requirements can be waived. Kindly call us directly at 019-3559448.

      • ff May 4, 2012 at 2:21 am

        Do you mean foreigner can get car loan if they pay 20% downpayment?
        I have 2 years business visa here, but no income yet. my income is from my own country. can I get loan for Toyota Vios(auto)? how much would be interest rate for me as a foreigner? and would it be loan of 5 years?

  596. Arad March 26, 2012 at 4:39 pm

    Nak tanya, Target nak beli Grand Livina 1.8 or Kia Rondo 2.0.

    Gaji Basic RM2960 + Elaun Tetap = 4125
    Tolak EPF & PCB = RM3227
    Tambah EPF House Loan Pay = RM4227
    Kerja GLC sudah lebih 10thn

    Kalau boleh tak nak bayar deposit tapi kalo terpaksa paling tinggi RM5000 saja boleh bagi. Macammana? Ada harapan?

    • Mybestcardealer.com March 26, 2012 at 7:14 pm

      Hi Arad, pihak Nissan dan Kia kami sedia membantu anda. Kami sarankan agar ambil Nissan Grand Livina kerana harga resell value nya lebih tinggi berbanding Kia Rondo. Pihak kami boleh membantu anda dan sediakan salinan ic, lesen, pay slip 3 bulan dan bank statement 3 bulan.

  597. Ejal March 26, 2012 at 5:16 pm

    Assalamualaikum…

    Saya ingat nak refinance kereta saya Toyota VIOS G. Dah bayar 5 tahun drpd 9 tahun pinjaman Ambank (2.54%) sejak Julai 2007. Baki bayaran RM40k. Berapa interest utk refinance? Rugi ker buat refinance nih?

    My wife pun ada pinjaman kereta dengan Ambank (kereta MyVi tahun 2007). Boleh ker satukan kedua-dua pinjaman tersebut?

    Harap tuan boleh tolong jelaskan.

  598. nawa March 27, 2012 at 11:37 am

    hi,
    kalau gaji lepas tolak epf rm 1750, loan ptptn dalam rm140 sebulan, insurance diri rm120 sebulan dan tiada commitment lain. dah kerja tetap setahun (NGO) sebuah yayasan. nak beli myvi premium ezi 1.3. dengan d/p rm3000. nak pilih nombor plat. agak2 lepas x loan? ada discount x utk myvi jenis ni?

  599. Mybestcardealer.com March 27, 2012 at 12:40 pm

    Salam Nawa, berdasarkan maklumat yang diberikan, loan myvi susah nak lepas. Tetapi jika Nawa ada parent yang masih berkerja, dan boleh jadi penjamin kepada Nawa, pihak kami boleh cuba membantu Nawa. Jika tidak, Perodua Viva Elite mungkin lebih bersesuaian.

  600. nawa March 27, 2012 at 1:32 pm

    parents sy pencen gov. what if sy naikkan sedikit d/p tu? atau ambil saga flx auto 1.3? berapa sebulan yg perlu saya byr?

  601. Mybestcardealer.com March 27, 2012 at 2:02 pm

    Mereka boleh menjadi penjamin kepada Nawa. Sediakan slip pencen, bank statement dan salinan IC ayah atau ibu.

    Bayaran bulanan:
    Model: Proton Saga FLX Auto Standard
    OTR Price: RM 41,798
    Down payment: RM 3k
    Interest: 2.9%
    Tenure: 9 tahun
    Bulanan: RM 453

  602. WaNN March 27, 2012 at 3:47 pm

    hye
    saya govt staff…
    berpendapatan bersih RM1700sbln bersih
    kalau DP RM3000
    brp installment sebualan utk
    1.. Kia Forte 1.6Ex Auto
    2. Vios J spec

  603. Naufal Afryna March 27, 2012 at 5:58 pm

    Hi..
    bercadang nak beli Alza (AT) yang paling rendah harganya.. gaji basic Rm1,600..
    d/p 5000++.. rasa2 saya boleh ker?

    • Mybestcardealer.com March 28, 2012 at 9:32 am

      Salam Naufal, you should provide a guarantor otherwise your application will not be approved by the bank. You can also do a joint income loan if you are a married couple. Let us know if you are interested at 019-3559448.

  604. Max March 27, 2012 at 11:23 pm

    Hi,

    I am not planning to buy a car, but rather I’d like to get rid of my current car, hope you don’t mind advising.

    I plan to go overseas to pursue my grad study so I would like to settle any debts I had before going there. I currently have a Perodua Myvi 1.3 SX Manual (metallic) with invoice value of RM46,540. I financed the car through Maybank HP using their 4.15% interest rate at August 2010. I forgot how much I paid for the d/p but my current repayment is RM698 for 84 months, and the balance loan on the car now stands at RM44,663. I have been paying for almost 19 months now and I have only clocked about 8,000km++ mileage on the car. Needless to say, I seldom drive the car and the monthly petrol expenditure never goes above RM60. Also, I have never defaulted on the repayment.

    RIght now I plan to settle the entire loan within the next 36 months, but that means I have to increase my monthly repayment up to RM1,240++. I do not have any other debts or financial obligation, but I feel that the RM1,240++ monthly repayment is rather high, even for someone earning close to RM4k per month like me. In your opinion, will my financier consider reducing the interest rate (and thus my monthly repayment amount) if I offer to reduce the monthly repayment period? I am asking this because somebody told me that banks might not want to do so for they will earn less profit from the interest rate that they charge. I have yet to contact my financier because I’d like to get some opinion first.

    Well that’s all I can tell you for the time being, hope to hear from you soon. Thanks.

    • Mybestcardealer.com March 28, 2012 at 9:08 am

      Hi Max, as you mentioned above, yes you need to speak to your current financier and ask them if the bank could somehow give you some rebate if you were to settle the debt earlier than the scheduled date. Your interest charged is so high and your outstanding balance is high. The best thing we could suggest you is to find a direct buyer. Search mudah.my and get the average price offered by other dealer. By doing this, you can save a lot. Let’s say the selling price is RM 35k, you have to pay the difference of RM 44.6k and RM 35k.

  605. WaNN March 28, 2012 at 10:17 am

    hye
    saya govt staff…
    berpendapatan bersih RM1700sbln bersih
    kalau DP RM3000
    brp installment sebualan utk
    1.. Kia Forte 1.6Ex Auto
    2. Vios J spec

    @ brp Downpayment yang siutable utk saya bayar kalau
    monthly installment dalam lingkungan RM600sbln…
    plzz i need ur help..

    • WaNN March 28, 2012 at 10:29 am

      Admin…
      nk tanye… kenapa pihak bank
      bergantung kpd penyata gaji untuk menentukan kadar interest??
      gaji asas saya RM1100 campur elaun RM1700
      penyata gaji masih dara…

      sekarang saya pakai kereta Perodua Myvi EZi tahun 2008
      baki hutang bank dlm RM35K
      kereta ini saya bercadang utk beri kpd adik saya
      so kalau buat re-finance
      agak2 brp sebulan installment?? utk tempoh brp tahun??

  606. del March 28, 2012 at 11:24 am

    hi..sya just nk tnya adkah toyota akn mngeluarkan design trbaru hilux pda thun hdapan or dlm msa trdekat ni..sbb skrg sya brcadang nk bli hilux 3.0G FL…tq

  607. bmw fans March 29, 2012 at 7:24 am

    i working at singapore..around 2.2k sing dolar per month…is ti posible for me to do a loan at malaysia…? i plan to get a bmw e46 318i 2001…selling at rm60k…. hw much i can loan fr bank…? n wats the interest rate…?

  608. SAID March 30, 2012 at 10:51 pm

    Did I qualified to get Naza Kia Forte 1.6 EX??
    My net salary (RM 2450)
    Ready with 10 % downpayment.

  609. man March 31, 2012 at 2:37 am

    salam….tumpang bertanya…
    ni detail sy:
    1)gaji bersih lepas tolak epf=RM2500….basic sy RM2550+ot RM200..so lepas tolak epf suma jadi RM 2500
    2)tiada komitmen lain iaitu tak pernah membuat pinjaman sebelum ni dgn mana2 bank…
    3)sy fresh grad yg dh bekerja di sektor swasta selama 3 bulan…mempunyai payment slip 3 bulan tapi belum comfirm lg sbb sy comfirm lepas 6 bulan..so ade lg 3 bulan untuk comfirm…
    4)sy mempunyai satria 1.5 thn 1999 yg dh habis bayar atas nama sy…

    persoalan…
    1)interest bank apa yg bg interest pling rendah dan tempoh pinjaman 7 thn untuk kereta bmw E46…sbb xnk rasa berat bayar bulan…dan sy juga bercadang nk trade in satria ni…adakah bank mahu sy comfirm jawatan dulu baru boleh wat loan?

  610. eyesofruffey April 1, 2012 at 1:49 am

    salam..
    sy nak beli kereta mitsubishi airtrek second hand reg year 04.
    price : 48000,
    payment period: 84
    so brapa average interest utk loan tu?

  611. mohd85 April 1, 2012 at 3:33 am

    salam sejahtera,
    1) pendapatan saya ＝drawing rm3000+ travel allowance (tetap) rm300. semua sekali berjumlah rm3,300.

    2) saya berminat pada used-car Peugeot 308 VTI -2009 berharga tidak lebih daripada rm65,000 (jika ada)\

    3) berapakah interest rate untuk 5 atau 7 tahun serta saya akan membayar deposit sebanyak rm15,000 + ingin membuat loan bank rm50,000. dan berapakah anggaran bayaran bulanan yang mungkin saya perlu jelaskan? sekian terima kasih

  612. mohd85 April 1, 2012 at 5:20 pm

    salam again,
    ok now seorang penjual ingin menjual keretanya berharga rm65,000, tetapi loan kereta tersebut ada lagi rm60,000 yg masih belum dibayar kepada Maybank dan penjual tersebut ingin mendapatkan kereta baru selepas menjual kereta tersebut. Saya berminat untuk membuat loan di Public Bank untuk membeli kereta tersebut sebanyak rm50.000 dan downpayment rm15,000. Soalan saya -

    1) saya difahamkan loan yang saya apply mesti tinggi daripada jumlah bayaran yang belum diselesaikan penjual,jika saya ambil loan 65k jadi adakah possible selepas selesai proses tersebut saya bayar rm15,000 kepada Public bank untuk memendekkan tempoh bayaran pinjaman saya?

    2)apakah prosedur untuk saya lakukan kerana loan penjual dibuat dengan Maybank dan saya menggunakan loan public bank untuk membeli kereta tersebut serta penjual memerlukan duit secepat mungkin untuk membeli kereta baharu?

  613. zarafie April 1, 2012 at 9:33 pm

    salam,
    boleh sy tau OTR PRICE & interest rate utk honda jazz 1.3 L hybrid?

    • Mybestcardealer.com April 2, 2012 at 10:06 am

      Wsalam, harga OTR adalah RM94,800. Sila layari honda.com.my untuk mendapatkan maklumat lanjaut. Jika berminat untuk membeli nya, sila hubungi pihak kami di 019-3559448 untuk maklumat lanjut.

  614. VK April 2, 2012 at 2:29 pm

    Gaji saya RM3300.00

    Hasrat utk membeli Mazda3 CKD 2.0HB. Tetapi not sure harga. Boleh tolong check?
    Kalau d/p 10k dan ansuran 9 thn. Dpt loan tak? Langsung tak ada commitment.

  615. Lerrancer April 3, 2012 at 1:24 am

    Hye..

    saya dari miri sarawak,

    saya nak tumpang tanya,kalau gaji bersih..tidah lebih dripada rm1000..boleh ke nak loan myvi second..? saya punya downpayment dlam rm7000++..

  616. Sook Fong April 3, 2012 at 10:21 am

    Hi,

    Can i check with you , what is my car value for Viva 1.0(A) , year 2008. I had pay off the car loan. I wish to change to Toyota Altis 1.8(A). and downpayment will put abt 50k. What is my car load amount for 5 year. What is the minumum basic for this car loan?

    Thanks,
    SF

    • Mybestcardealer.com April 4, 2012 at 1:18 pm

      Hi Sook Fong, the minimum basic doesn’t apply when the down payment paid is higher than 10%. It would be depending on the amount of loan you are going to apply for. Your trade in value would be explained in a phone call, and you should either leave your phone number or call us directly at 019-3559448. Thank you for your time and we look forward to hearing from you.

  617. Bard April 3, 2012 at 6:13 pm

    hi,

    boleh saya tahu kalau saya ingin beli toyota wish 2nd hand harga RM88k buat full loan berapa harga bulanan kena bayar dan berapa interest rates untuk kereta tu?

  618. solah April 3, 2012 at 10:22 pm

    hi’

    i wish to trade in my car to either honda city or vios.below is the detail:

    Car: wira SE 2006
    loan balance: 20 000

    Can you help to me to provide the details. i want to make ful loan.

    Thx…

  619. Jayaraj Vijaya Kumaran April 3, 2012 at 10:49 pm

    hi I am planning to buy my first car and I am interested in a Toyota Hilux. I am a government servant with total income of RM 4230.89. May I know can I afford this car and probably how much I have to fork out for the monthly installment assuming I am not going to put out down payment??

    Similarly If I were to buy a secondhand hilux what is the monthly installment like?

    If I were to buy a Perodua Viva?

    Apologies for the long question as I am currently indecicive about buying a new or a second hand hilux or a Perodua viva….

    • Mybestcardealer.com April 4, 2012 at 1:10 pm

      Hi Sir, there are 4 variants for Toyota Hilux, please let us know which model that you are interested in. Yes, you can afford to get this Hilux but we recommend you not to take a fulll loan and also loan higher than RM 100k.

      Here’s more details on Toyota Hilux: http://toyota.com.my/hilux/?mid=price#price_details

      If you were to purchase Perodua Viva, there should be no problem. Kindly let us know which model of Perodua Viva that you are interested in. Our number is 019-3559448. We would be happy if you can let us know the details.

      • Jayaraj Vijaya Kumaran April 4, 2012 at 6:06 pm

        Yes I am interested in Hilux double cab 2.5 std (MT)….if i am not taking a full loan what amount of downpayment are you suggesting? May I know why you are not suggesting a full loan since I am entitled to it? I am also planning to sell it after 5 years so what is the best deal for me at the moment?

        If its viva then I will be buying the cheapest version…..

      • Mybestcardealer.com April 4, 2012 at 7:40 pm

        Recommended down payment is 10% and please note that you’d have a hard time selling the car in the future as the market value drops greater than your loan outstanding balance if you do full loan.

        Give us a call to get more details on the promotion as we don’t disclose such information to the public. Thanks

      • Jayaraj Vijaya Kumaran April 6, 2012 at 12:16 pm

        What if I dont have 10% downpayment? is it still a problem if I purchase the Hilux?

    • Mybestcardealer.com April 6, 2012 at 2:32 pm

      It should be fine, we can submit your application to the bank and we’ll see from that. Is that ok with you?

      • Jayaraj Vijaya Kumaran April 9, 2012 at 4:21 pm

        May I know what is the amount of installment I will have to fork out per month for this hilux on the road (meaning no extra charges etc)???

        Any other Cheaper alternatives to the Hilux I mentioned? I heard there will be a new Ford Ranger coming out..

      • Mybestcardealer.com April 9, 2012 at 5:05 pm

        OTR price is the only amount you’ll have to pay. The monthly installment can be calculated here: http://www.mybestcardealer.com/find-a-car/payment/

      • Jayaraj Vijaya Kumaran April 9, 2012 at 8:36 pm

        May I know what bank you will be submitting to? I would like a plan that will initially have lower installment then later pay more since i will get a significant pay rise in the future (I am currently doing my phd and now i am in DS45 salary scale; once I finish my PhD it will be DS51 so at least 1-2k pay rise)…..I saw Maybank have this scheme but once calculated it seems I am paying more……

      • Jayaraj Vijaya Kumaran April 9, 2012 at 8:52 pm

        forget to say that this pay rise will be in 3-4 years time, not now…

  620. Lerrancer April 4, 2012 at 10:37 am

    Hye..

    saya dari miri sarawak,

    saya nak tumpang tanya,kalau gaji bersih..tidah lebih dripada rm1000..boleh ke nak loan myvi second..? saya punya downpayment dlam rm7000++..

  621. khaty April 4, 2012 at 12:30 pm

    hai..
    sy nak tanye.. gaji bersih sy 1700 and gaji bersih gerentor sy 2500. dp bayar 10000. nak beli kete prius c harga 99000. pada pendapat en loan sy akan lulus ke x?

  622. heris April 4, 2012 at 1:47 pm

    salam..
    Nak beli vios second tahun 08, deposit 5k, gerento abang kerja kerajaan tapi basic cuma 1500. basic saya 1800 + mobile bill(100).ada claim mileage. biase tiap2 bulan dapat dalam 2k bersih. kerja dari bulan november 2011. bole dapat tak vios?

  623. zambree April 4, 2012 at 2:57 pm

    hi admin,

    can i get loan for New Kia Optima K5 price rm143888 with downpayment rm14800

    this is my detail info according to ur question..tq

    basic pay=
    rm3500 (gross)

    net pay after tax, sosco or epf=
    rm3100

    working period=
    2 years

    company=
    Private Sdn Bhd architectural firm

    position=
    Architect(junior executive) Permanent

    saving=
    rm15000

    monthly commitment? Personal loan, etc.=
    none.This is going to be my 1st bank loan.

    Do you have a good record of paying your commitment?
    no record on bank loan payment

    Do you have good cash flows in and out from your bank?
    yes

    How much down payment are you able to pay up front?
    rm14800

    Are you married or single?
    married and hv 1 kid

    Are you able to find a guarantor if necessary?
    yes.my wife if possible..her basic salary is rm3900 and has been working for 4 years with private firm.her job status is permanent/architect.no commitment

    Hope u can elighten me on this mater…tq

  624. zam April 4, 2012 at 3:29 pm

    salam. sy ada beberapa pemasalahan berkaitan loan..diharap dpt sedikit advice dr admin..
    1-sy berminat membeli exora bolt Auto ( 72k) downpyment 15k & trde in kelisa auto 2005 ( baki bank 16k)
    Gaji kasar 3k but gaji bersih 1500k sj ( ptong rumah n p/loan)????

    2-Boleh x klu sy cmbine loan ngan wife tp gaji dia xbnyaklh..bersih dlm 800 je..
    Tq..

    • Mybestcardealer.com April 4, 2012 at 3:53 pm

      Wasalam En Zam,

      Pihak kami boleh cuba bantu tuan jika tuan ingin membuat joint income loan, jika tidak, mungkin tuan tidak mempunyai harapan kerana bank yang sudah mengetatkan proses memberikan kelulusan pinjaman. Jika tuan dapat menghubungi pihak kami, pihak kami amat berbesar hati untuk menerangkan maklumat lanjut. Terima kasih.

  625. Dindin April 5, 2012 at 2:34 am

    Hey gaji sy bersih rm 2k..sy berminat nk beli honda 2ndhand rm45k..dpmnt rm2.5k nak pinjam loan 9thn.brapakah interest rate dan monthly installment?is it possible to can get monthly pay below rm500?tq

  626. Dindin April 5, 2012 at 2:38 am

    Hey gaji sy bersih rm 2k..sy berminat nk beli honda 2ndhand rm45k..dpmnt rm2.5k nak pinjam loan 9thn.brapakah interest rate dan monthly installment?is it possible to can get monthly pay below rm500?

  627. joyce April 5, 2012 at 12:59 pm

    i would like to buy a new MYvi 1.3 Auto,
    i will pay for downpayment around 10%
    i just graduated and started working for almost 3 months,
    my salary is only 2300 per month before EPF and Socso Contribution,
    can i apply for car loan?without a guarantor?

  628. fiq April 5, 2012 at 8:23 pm

    saya nk ambil viva auto,gaji basic 1500, tp saya tidak ada gerentor,lesen L,boleh dpt x?

  629. Vera April 5, 2012 at 9:02 pm

    Hi
    I am planning to buy my first car, either Proton Savvy AMT or Perodua Viva Elite AT. My basic salary is only RM1300.00 and my downpayment would be RM2000.00. Is it possible for me to buy either one of this car? What is the interest rate if I want to loan for 9 years? BTW, i’ve been working for almost a year.

    Thanks

    • Mybestcardealer.com April 5, 2012 at 11:18 pm

      Vera, you need to have a guarantor, and could you find one? We’d recommend you to get the Perodua Viva. It’s so much better than Proton Savvy. Interest rate should be around 2.9%-3.0% depending on your eligibility. Give us a call at 019-3559448 and we’d highly recommend you to get a guarantor. Otherwise you’ll have a hard getting the loan approval.

  630. AMIRZAINUDDIN April 6, 2012 at 12:43 am

    Hi, im planning to buy Mitsubishi Lancer GT (used car) around rm90k, my salary 2.7k and i want to make full loan 0 d/p. is it possible?how about monthly?interest?
    thanks admin;)

  632. Poon April 6, 2012 at 1:09 pm

    how much for the down payment at least needed for a perodua viva 1.0 auto?

  633. Hazriq April 6, 2012 at 3:40 pm

    Hi, basic rm1700, bersih tolak epf dlm rm1500..downpayment rm3000..saga flx cvt exec1.3..
    Loan utk 10thun dpt x, bln 5 ni genap stahun sy grad..
    Bole sy tau monthy payment dlm brape?
    Tq ;)

    • Mybestcardealer.com April 6, 2012 at 10:39 pm

      Salam Hazriq, your basic doesn’t meet the minimum requirement to apply loan for Saga Executive. Can you somehow provide a guarantor? Or you can do graduate scheme but the interest rate is a bit higher. It would be better if you can ask your parent to be your guarantor.

  634. fan April 7, 2012 at 2:25 pm

    Salam, sy adalah fresh graduate dan br start keje pada bulan ini. Saya berminat dengan kereta persona b line automatic. Basic sy adalah rm2500+600 (elaun) = rm3100. Jd lepas atau tidak dan apakah prosedur nya?

    • Mybestcardealer.com April 7, 2012 at 4:05 pm

      Wasalam fan, kalau nak beli, boleh call dalam minggu ni? Stock proton persona akan habis dalam 1-2 minggu lagi and kalau pilihan warna tu, pihak kami boleh tolong cari di seluruh malaysia. Cuma kena submit loan secepat mungkin sebab khuatiri stock habis. 019-3559448.

      Sediakan salinan ic, lesen, job offer letter dan bank statement (jika ada).

  635. Lerrancer April 7, 2012 at 5:36 pm

    Hello sir,

    Nak tumpang tanya lagi..kalau gaji plin kurang rm850 n paling tnggi rm 1000..
    agak2,brapa harga kereta yg saya dpt loan..?saya dpt bayar downpayment rm7000..
    dan saya betul2 inginkn myvi..myvi second pun jdi..

  636. Zaidi April 7, 2012 at 5:49 pm

    Hi…….im looking for merc c 200 year 2005 or lancer gt price at 79 k through mudah…my basic salary is 3000 plus allowance 4000+ k…..ive 30k plus 12k when i sell my wira….my quastion is…1) could i eligible for 37k loan….2)what is the longgest period of loan 3) interest rate now 4) installment per month……..tq in advace

    • Mybestcardealer.com April 7, 2012 at 8:37 pm

      Hi Zaidi, kindly use our loan installment calculator at : http://www.mybestcardealer.com/find-a-car/payment/ .

      Regarding interest rate, dont rely on us. It may vary for each model. Our approx is around 3.5-3.8%. Loan should be no more than 7.

      • rise April 8, 2012 at 3:39 pm

        hi, saya ada sebuah viva dengan bayaran bulanan rm400. sekarang ini saya ingin bagi viva tsebut kepada adik saya dan saya bercadang untuk mendapatkan sebuah kereta persona m line manual baru. bolehkah saya mendapat full loan/0 downpayment? gaji saya rm2400 dan basic rm1800.

      • Mybestcardealer.com April 9, 2012 at 5:18 pm

        Hi rise, hanya persona B-Line yang tinggal di pasaran. Stock juga sangat terhad kerana model ini tidak lagi dikeluarkan lagi. Adakah anda mempunyai penjamin? Adakah anda akan menjual viva tersebut kepada adik? Jika tidak, mungkin agak sukar bagi anda untuk mendapatkan kelulusan pinjaman kerana komitmen anda yang tinggi.

  637. mona April 8, 2012 at 6:32 pm

    Hello admin.

    saya merupakan seorang wartawan di Utusan Melayu. Basic gaji saya adalah RM2200 dan ada tambahan elaun sebanyak RM620. Jadi gaji kasar saya adalah dalam lingkungan RM2820.

    Selain itu, saya juga bekerja sebagai freelance writer untuk sebuah agensi pengiklanan dan setiap bulan saya dibayar Retainer Fee sebanyak RM700. Jadi, total pendapatan saya setiap bulan adalah RM3520 hingga RM4000 (tambah OT).

    so, saya nak tanya, dengan pendapat sebegini, kereta apa yang sesuai untuk saya (wartawan) dan adakah gaji saya cukup untuk dapatkan loan?

    untuk pengetahuan, saya hanya mempunyai loan motor sebanyak RM185/sebulan (tinggal lagi setahun) sebagai komitmen.

    saya terfikir untuk mendapatkan switf glx tapi saya dengar versi baru akan dibawa masuk ke Malaysia tidak lama lagi. jadi boleh cadangkan kereta apa yang sesuai dan fit dalam budget saya.

    thanks.

  638. mona April 8, 2012 at 6:33 pm

    Hello admin.

    saya merupakan seorang wartawan di Utusan Melayu. Basic gaji saya adalah RM2200 dan ada tambahan elaun sebanyak RM620. Jadi gaji kasar saya adalah dalam lingkungan RM2820.

    Selain itu, saya juga bekerja sebagai freelance writer untuk sebuah agensi pengiklanan dan setiap bulan saya dibayar Retainer Fee sebanyak RM700. Jadi, total pendapatan saya setiap bulan adalah RM3520 hingga RM4000 (tambah OT).

    so, saya nak tanya, dengan pendapat sebegini, kereta apa yang sesuai untuk saya (wartawan) dan adakah gaji saya cukup untuk dapatkan loan?

    untuk pengetahuan, saya hanya mempunyai loan motor sebanyak RM185/sebulan (tinggal lagi setahun) sebagai komitmen.

    saya terfikir untuk mendapatkan switf glx tapi saya dengar versi baru akan dibawa masuk ke Malaysia tidak lama lagi. jadi boleh cadangkan kereta apa yang sesuai dan fit dalam budget saya.

    thanks

    • Mybestcardealer.com April 9, 2012 at 2:46 pm

      Hello Mona,

      Berdasarkan maklumat yang diberikan, mengenai freelance writer tersebut, you ada bank statement or dokumen yang mengesahkan pekerjaan tersebut?

      Jika ada, ia membantu you untuk mendapatkan Suzuki GLX, jika tidak, mungkin agar sukar bagi you untuk mendapatkan pinjaman itu.

      Tetapi, jika you berminat, pihak kami boleh cuba membantu you dalam membuat loan application. Berapa down payment yang ingin dibuat?

      • mona April 9, 2012 at 3:58 pm

        ya, saya ada bank statement untuk mengesahkan pekerjaan tersebut.

        jadi dengan bank statement tersebut, kereta apa yang boleh saya dapat assuming saya boleh fork out RM8k to RM10k.

        saya berminat dengan either swift, fiesta, mazda 2 or forte. between these 4, which one yang still within my budget (d/p 10%) and berapa bayaran monthly yang perlu saya bayar?

        and, can i get the car through u?

  639. H20L April 8, 2012 at 10:00 pm

    Hi,
    My salary is rm2700 basic plus 200 for allowance….i would like to buy kia forte 1.6 ex or sx ..i would like to apply for full loan…i have 2 personal loans total rm270 monthly and 2 credit cards. The outstanding balance for both card is half from credit max for each card… i never default any payment for my loan and credit card….and i would like to add my dad as my guarantor…am i eligible…if not…what car will u suggest to me..tq

    • Mybestcardealer.com April 9, 2012 at 2:31 pm

      Based on your net pay, you can’t apply for a loan any higher than RM 60k without any guarantor. Whats your dad basic and nett pay?

      • H20L April 10, 2012 at 4:11 am

        Approximately about rm3000 and he has no other commitment except for one small personal loan….

      • Mybestcardealer.com April 15, 2012 at 8:58 pm

        That’s fine. Just prepare a copy of your ic, license, pay slip (3 months) and bank statements (3 months). You should also provide your dad’s copy of ic, bank statement and pay slip (3 months). Give us a call once you are ready. Thanks.

  640. Rosie April 9, 2012 at 1:22 am

    Hi..
    Im a fresh graduate, working less than a year with a private company.
    My basic salary is RM4600 and planning to buy a honda civic (the 2011 model) as my first car. What is the interest rate and how much the monthly installment would be if pay 7k/8k for my downpayment? Or does it have to be at least 10% for the downpayment? Thank you!

    • Mybestcardealer.com April 9, 2012 at 2:17 pm

      Hi Rosie, you don’t need to worry about paying 10%. All you need to worry is the stock availability. Kindly call us immediately for booking as the stock is very x3 limited. Call us at 019-3559448 for more information on this. Can you call us and prepare the documents by this week?

  641. joyce April 9, 2012 at 10:49 am

    i am thinking to either get a myvi or a suzuki swift (lowest spec),
    if i pay for downpayment 8k, how much will be the monthly installment?
    possible to get the loan with my gross salary rm2300? without a guarantor?

  642. ina April 9, 2012 at 3:36 pm

    hi,
    Currently own myvi 1.3 auto year 2006 with remaining another year to settle the loan. have checked with finance, the settlement amount is RM11,404. I’m planning to trade in my car with Honda City. My net pay is RM3069.15 with housing loan RM790.00. What’s your opinion on this?

    • Mybestcardealer.com April 9, 2012 at 5:10 pm

      Hi Ina, Is your net pay listed above is the amount after deducting the house loan? How much down payment are you willing to make? Or the trade in value would be the whole down payment? Are you thinking of getting the current Honda city or the MMC model that will come in June?

      • ina April 9, 2012 at 5:19 pm

        hi,
        my net pay is b4 deducting the housing loan. however, govt servant will having some increment starting this month..:). am planning to use the trade in value as my down payment or min 10% dp. Is there any cash rebate or good promotion for current honda city? or should i wait for the new facelift?

      • Mybestcardealer.com April 9, 2012 at 5:45 pm

        Ina, people would always go for a brand new model. There’s only RM 500 cash rebate and free tinted given by Honda for the previous model. If you are interested, we advise you to make an early booking. Please note that there are many people on the waiting list.

        The trade in part, you don’t have to worry, we do have several used car dealers that we can refer to and compare the price for you. Do let us know whenever you are ready.

  643. kay April 10, 2012 at 12:15 pm

    Hi, saya ingin membeli kereta myvi tahun 2006 berharga rm32000. Saya baru mendapat pekerjaan dan mempunyai offer letter. Bolehkah saya membuat permohonan pinjaman? Gaji rm1800, bolehkah? Saya belum mempunyai penyata gaji?

  644. sil April 10, 2012 at 5:07 pm

    I wish to buy Grand Livina 1.6L (A) Comfort. My gross salary is RM4500 with approx RM1500 commitment. Can u calc for me the best price I ca get with 10% dp (provide me the interest rate, loan amount, monthly instalment for 7&9 years).

    • Mybestcardealer.com April 10, 2012 at 10:07 pm

      Hi there, yes there’s a promotion available for the selected model and kindly contact us for more information on this. The monthly installment below is based on 2.55% and 10% down payment (without deducting the the cash rebate).

      9 years: RM 920
      7 years: RM 1,134

      The interest rate would be slightly lower depending on your eligibility. Contact us at 019-3559448 to speak to our Nissan representative.

  645. ina April 11, 2012 at 2:39 pm

    Hi
    Need advise between these…
    Honda city 1.5e vs toyota vios 1.5g ltd?
    Oil saving?performance?size..etc..Hi,

    • Mybestcardealer.com April 11, 2012 at 3:30 pm

      Hi Ina,
      Toyota engine is much better in term of gas consumption. Honda city is slightly better in term of performance. Car stability and comfortness should go to Honda City. Toyota vios may have slightly cheaper cost of maintenance as compared to Honda City. Let us know if you are interested, kindly speak to our Honda or Toyota dealer for more information. Our number is 019-3559448.

  646. coolman April 11, 2012 at 7:10 pm

    HI, i have a car kelisa year 2003 1.0 gx manual. Can tell what is the market rate of selling that. And currently my salary is 1500, i interested to buy alza 1.5 premium ezi. Am i eligible to apply loan with tenure 7 years. If cannot how much loan maximum that i can borrow with my salary.

    • Mybestcardealer.com April 11, 2012 at 7:47 pm

      The market price can only be discussed on the phone. Your salary doesn’t meet the minimum requirement and it would be best if you could have a guarantor or apply for a joint income loan with your wife (if you are married). The max loan you can apply is around RM 40k.

      • coolman April 11, 2012 at 9:17 pm

        hi , do you means that 40k loan is without guarantor or joint loan?

      • coolman April 12, 2012 at 4:37 pm

        hi , no reply of my question stil? do you means that 40k loan is without guarantor or joint loan with 7 years or i still need guarantor?

      • Mybestcardealer.com April 13, 2012 at 9:06 am

        Hi cool man, sorry for the late response to your query. Please note that the RM 40k thousand is just the estimated amount of loan you can apply without using any guarantor and without having to know your financial background. If you would like to apply for Perodua Alza, guarantor is strictly needed.

  647. MAzim April 12, 2012 at 9:05 am

    Basic 3850, tolak epf+socso+PCB lebih kurang 3350.
    Inspira lepas tak? (without guarantor)
    10K D/P, monthly berapa? 7/9tahun.

    • Mybestcardealer.com April 12, 2012 at 10:01 pm

      Lepas, tiada masalah. Pihak kami boleh cuba bantu. Tuan berminat dengan model yang mana satu? Ada promosi bagi setiap model dan lebih elok bagi tuan hubungi pihak kami. Pihak kami boleh cuba bagi promosi yang terbaik bagi tuan. Call en Ihsan di 019-3559448 untuk maklumat lanjut.

  648. kiutcomel April 12, 2012 at 6:09 pm

    Hi…sy nak beli honda jazz hybrid. Gaji sy rm3200. Gaji bersih dlm rm2000…layakkah sy membelinya? dan sy adalah pekerja kerajaan.

    • Mybestcardealer.com April 12, 2012 at 10:05 pm

      Hi, commitment anda boleh dikatakan tinggi buat masa ini dan jika saudara/i dapat mencari penjamin atau membuat joint income dengan pasangan (jika sudah berkahwin), ia mungkin dapat membantu. Jumlah down payment juga memainkan peranan penting.

  649. Adam April 12, 2012 at 11:46 pm

    hi,
    kalau sy beli evo 9(second hand) yg berharga 130k. downpayment 10k. berape bulan2 yg sy kna byr dgn pendapatan sy 2.5k bersih

  650. mie hewlett-packard April 13, 2012 at 11:02 am

    hi,
    saya bercadang nak beli kereta
    1.peugeot 308 turbo (baru)
    2.proton preve (baru)
    3. perodua myvi 1.5 SE (multimedia) baru
    minta pandagan pada harga & bayaran bulanan (kadar mampu bayar )

    komitment : personal loan (bulanan RM700)
    gaji kasar + elaun = RM3242.31 + RM350 = RM3592.31

    terima kasih.

    • Mybestcardealer.com April 13, 2012 at 12:09 pm

      Hi,

      Berdasarkan list yang diberikan, hanya option ke 2-3 yang boleh. Jika tidak ada personal loan, mungkin boleh dapatkan peugeot tetapi down payment hendaklah 10%. Jika tuan berminat dengan proton preve, ia tidak menjadi masalah. Pihak kami boleh cuba bantu dapatkan model premium jika tuan berminat.

      Perodua Myvi adalah kereta compact dan size nya agak kecil berbanding model lain, dan pihak kami tidak pasti jika ia bersesuaian dengan pilihan tuan.

  651. ariff April 14, 2012 at 1:52 am

    jika saya membayar rm20000 untuk downpayment honda city with modulo kit, berapa saya perlu bayar bulanan?

    • Mybestcardealer.com April 14, 2012 at 1:17 pm

      Ariff, Harga bagi model baru MMC masih belum ditetapkan. Jika saudara ingin membeli Honda City type E, monthly dalam RM 820 untuk model E (bersama bodykit + RM 1,500). Jika tuan betul2 berminat, boleh hubungi kami di 019-3559448 untuk berbincang.

  652. shahrir ibni April 14, 2012 at 3:02 pm

    hi..i plan to buy New Honda Stream RSZ..I heard from Honda salesman, RHB offered interest rate 2.35%.is it correct and do you know any lower than that?

    • Mybestcardealer.com April 14, 2012 at 4:53 pm

      Salam Shahrir, that’s the lowest rate we have seen so far and the promotion will end in June. Do contact us if you plan to purchase this model and we would advise you to make an early booking to avoid longer waiting period. Our number is 019-3559448.

      • shahrir ibni April 17, 2012 at 11:25 am

        wassalam, yea i had double check with the bank officer and he said it is valid during promotion..on the booking, i had made with Honda temerloh on the fees..y not u update the rates while the promotion last..thanks and good JOB

  653. zanerin April 14, 2012 at 4:15 pm

    hai..sya plan nak beli proton perdana secondhand thn 2004 harga dlm 35000 gaji bersih 2600 sebulan..just nak tahu berapa loan boleh dapat dan berapa anggaran bulanan dlm tempon 7thn…tq.

  654. skoop April 15, 2012 at 6:10 pm

    Hi, saya ingin meminta pendapat. Jika saya berminat untuk memliki kereta baru, adakah lebih baik lakukan “trade-in” atau lakukan “early settlement” dengan bank kemudian jual kembali? Cara manakah paling menguntungkan? Terima kasih.

  655. Mybestcardealer.com April 15, 2012 at 6:34 pm

    Jika tuan buat early settlement, apabila tuan menjual kereta, tuan akan mendapat wang dengan cash.

    Jika trade in juga pihak used car akan membeli nya dengan cash dan bayaran akan dibuat kepada pihak bank.

    Urusan lebih mudah jika kereta itu di trade-in kerana pihak used kami dapat mengendalikan nya tanpa anda perlu membuat apa-apa.

  656. iyna April 15, 2012 at 9:34 pm

    hai, saya kerja govt dgn pendapatan bersih rm1000/mth, berhasrat nak beli alza 1.5a std atau saga 1.6A, downpayment dalam 10k, guarantor adalah suami saya, dimana gaji bersih beliau rm3500… boleh berikan pandangan anda, dan juga berapa interest rate sekarang? thanx

    • Mybestcardealer.com April 16, 2012 at 7:17 pm

      Salam iyna, interest rate berada dalam 2.85%-3.0% bergantung kepada kelayakan. Jika iyna berminat untuk membeli kereta Alza, iyna boleh buat joint income dengan suami tanpa sebarang masalah.

      Jika iyna berminat, boleh lah hubungi En Ihsan di 019-3559448 untuk membuat temu janji. En Ihsan akan menerangkan proses pembelian Perodua Alza atau pun Proton Saga.

      Boleh sediakan salinan IC, lesen, pay slip 3 bulan dan bank statement 3 bulan. Suami perlu sediakan salinan ic, pay slip 3 bulan dan bank statement 3 bulan.

      • iyna April 18, 2012 at 8:31 pm

        before tu, saya nak confirmnkan dulu, dengan pendapatan sy tu layakke buat pinjaman? berapa pula int rate utk protonpreve yg baru tu? kalau nak premium yg auto tu berapa harga sbnrnye?

      • Mybestcardealer.com April 18, 2012 at 10:11 pm

        Salam iyna, mungkin agak sukar jika iyna ingin dapat kan proton preve kerana minimum gaji perlulah sekurang kurangnya RM 2,500-RM 3,000 dan ke atas. Interest nya adalah 2.85-2.9% dan harga nya dalam RM 62,540. Kalau proton saga, mungkin tiada masalah dan pihak kami boleh cuba bantu.

  657. ratna April 16, 2012 at 4:34 pm

    hye, sy berminat untuk memilik suzuki swift gX,
    sekiranya pendapatan bersih saya 2K sahaja dan sy bekerja di sektor swasta..
    boleh kah saya dapatka kereta itu dengar 0 downpayment
    dan berapakah jumlah downpayment jika saya ingin membayr rm600 sebulan saja?

  658. ruff April 16, 2012 at 8:18 pm

    salam..sy gov servant, gross salary rm3400, no other commitment..in interested buy hyundai elantra 1.8 premium. boleh ka sy dptkan full loan utk kereta ni..sy ada tya satu agen..diorang x dpt bg full loan..mesti ada deposit 10%..klu blh full loan sy mmg mau kereta ni..

    • Mybestcardealer.com April 16, 2012 at 9:48 pm

      Wasalam ruff, you boleh dapatkan penjamin? Boleh buat graduate scheme tetapi interest tinggi, pihak kami tak galakkan. Pihak kami sarankan ruff simpan around RM 5-8k dan buat normal loan dan juga sediakan penjamin. Pihak kami pasti kelulusan akan didapati dengan lebih mudah.

  659. yna April 17, 2012 at 12:25 am

    hi.blh ke sy trade-in kereta kancil 660.sy nk tkar ke saga fl(standard 1.3)..perlu ke d/paymen atau blh 0 d/pyment..sy br mula bkrja d privte cmpny dan basic rm1200..

    • Mybestcardealer.com April 17, 2012 at 2:19 pm

      Hi yna, yna boleh mintak ibu/ayah/adik beradik untuk jadi penjamin? Jika gaji basic di bawah RM1,500. memang bank perlukan penjamin. Jika ada, yna boleh hubungi pihak kami dan pihak kami boleh cuba bantu yna.

      • yna April 17, 2012 at 2:23 pm

        perlu ke yg jd penjamin 2 bkerja tetap dan brape gj yg blh utk jd pnjamin? kancil sy baru 4thn…kena tambah byk x utk ambk kreta br?

      • Mybestcardealer.com April 17, 2012 at 3:27 pm

        Kalau boleh, gaji penjamin lebih RM 2k. Harga trade in boleh dirunding apabila saudari menghubungi pihak kami nanti kerana pihak kami perlu dapatkan maklumat lanjut tentang kereta tersebut.

  660. cmadz April 17, 2012 at 7:19 am

    sy pny basic rm1500
    baru plan mok bli keta.dgn syarat bank skrng,dlm lingkungan brapa harga keta sesuai dgn gji saya.ada d/p 5k

    • Mybestcardealer.com April 17, 2012 at 2:17 pm

      Hi, kami mencadangkan agar saudari mengambil kereta Perodua Viva atau Proton Saga Standard. Jika ada penjamin, ia dapat membantu saudara/i untuk mendapatkan kelulusan dengan lebih mudah. Hubungi pihak kami di 019-3559448 untuk mendapatkan khidmat nasihat.

  661. ida April 17, 2012 at 12:53 pm

    sy punye basic RM1550 dan berminat ambil proton preve executive yang baru. boleh nyatakan interest dan montly payment yang perlu saya bayar?pinjaman selama 9thn.

    • Mybestcardealer.com April 17, 2012 at 2:14 pm

      Salam ida, minimum basic salary untuk membeli Proton Preve adalah dalam lingkungan RM 2,500 (tanpa komitmen lain) dan ke atas. Jika tidak guarantor diperlukan. Interest rate adalah 2.85-2.9% bergantung kepada kelayakan.

  662. hani sahid April 17, 2012 at 1:57 pm

    hai,saya nak beli grand livina 1.6A,ada sebuah van nissan c22 tahun 2000 untuk di trade in.saya telah cuba ke public bank, cimb dan maybank ttp tidak lulus kerana high commitment dan masalah guarantor.saya bekerja sendiri dan average income rm5k – rm7k sebulan.adakah sekiranya saya menukar guarantor pinjaman saya boleh diluluskan?harap ada jawapan…..

    • Mybestcardealer.com April 17, 2012 at 2:10 pm

      Hani sahid, you tak bagitahu gaji you basic, nett dan after commitment. Guarantor yang kuat adalah si suami (jika sudah berkahwin). Jika saudari menukar penjamin, ia mestilah terdiri daripada ahli keluarga.

  663. hani sahid April 17, 2012 at 3:05 pm

    actually saya dan suami bekerja sendiri dan.6 bulan statment bank terakhir telah saya sertakan. penjamin adalah anak saudara. saya ada bisnes loan dgn agro bank. saya difahamkan selain suami adik beradik juga boleh menjadi penjamin.

    • Mybestcardealer.com April 17, 2012 at 3:25 pm

      Status penjamin juga perlu diambil kira, dan seeloknya penjamin mempunyai gaji bersih sekurang-kurangnya 3k untuk menjadi penjamin saudari. Jika saudari berminat, boleh cuba call kami dan kami cuba submit ke bank lain untuk mencuba nasib. hubungi kami di 019-3559448.

  664. neo April 17, 2012 at 5:12 pm

    hi,
    i would like to sell my Perodua Viva bought in 2009, how to know what is the resale value?

  665. hakimie April 17, 2012 at 5:57 pm

    Salam. Sy pkerja swasta dgn basic salary RM2000. Sy ada ASB loan dgn Maybank sbnyak RM300 sbln. Sy berminat membeli proton Prevé 1.6 Premium CVT @ Prevé 1.6 MT Executive dgn anggaran downpymnt RM8000. Is there any possibility to get loan with any bank? Jika boleh, brapakah interest & montly payment yang perlu saya bayar utk pinjaman selama 9thn? Jika tidak, adakah cara lain spya bank boleh meluluskan pnjaman. Satu pkara lg, andai sy xlayak, apakah jenis kereta t’baik yg bole sy miliki dgn keadaan kewangan t’sebut?

    • Mybestcardealer.com April 17, 2012 at 6:21 pm

      Wasalam Hakimi, bagi menjawab soalan saudara, pihak kami mencadangkan agar saudara membeli Perodua Myvi atau Proton Saga FLX. Jika tidak, saudara perlu dapatkan penjamin untuk mendapatkan loan Proton Preve ini. Bank sudah mengetatkan proses mendapatkan pinjaman, pihak kami tidak recommend anda untuk mendapatkan model ini. Minimum basic salary bagi model Premium adalah dalam lingkungan RM 3,000.

      • hakimie April 17, 2012 at 8:32 pm

        Jika sy mempunyai penjamin (sbg contoh isteri sy) yg basic salary rm2300, is there any possibility to purchase this car bcz sbnrnya kami tlh mempunyai kereta wira 1.5 yg ingin djadikan kereta kedua. dan sekiranya kami m’buat joint income, adakh memberi kesan kpd sy skiranya ign mbuat pnjaman rumah pd ms hadapan? trima kasih

      • Mybestcardealer.com April 18, 2012 at 1:09 am

        Jika joint income dibuat, ia semestinya dapat membantu anda untuk mendapatkan kelulusan. Pihak kami recommend tuan untuk mengambil model Preve Executive MT kerana harga nya yang berpatutan.

        Yes, ia akan memberi kesan kepada pinjaman rumah, tetapi ia tidak memberikan kesan yang terlalu berbeza. Hubungi saya di 019-3559448 untuk berbincang tentang proses seterusnya.

  666. ana anzalna April 17, 2012 at 11:05 pm

    salam..
    saya merupakan kakitangan kerajaan dan berpendapatan rm2400 basic + elaun rm800..saya berminat dgn vios..layakkah sy membeli vios j/e/g/trd dengan pendahuluan 10%..berapakah harga terkini dan bayaran bulanan bagi setiap model tersebut.

  667. N.A April 18, 2012 at 10:49 am

    Hi, saya bekerja kurang dari setahun di syarikat swasta. basic salary:Rm2400 + elaun Rm500. dari gaji saya ni, berapa loan saya boleh buat untuk sebarang kereta baru dan lama. d/payment lebih kurang rm 12000. boleh advice kereta yang sesuai untuk saya? i prefer sedan. Terima kasih.

    • Mybestcardealer.com April 18, 2012 at 12:15 pm

      Hi, you can either get Toyota Vios J, Proton Preve, Perodua Myvi. Interest rate bagi toyota adalah 2.55% dan 2.85% for local cars. Advice kalau tak kisah brand, amik toyota Vios J, save minyak dah maintenance pon ok. Jika berminat, boleh hubungi pihak kami untuk membuat temu janji di 019-3559448.

  668. Maxwell April 18, 2012 at 6:42 pm

    sy nak tanya…sy keje government…gaji bersih 2.5k…fresh grad. x ada kmitment lain…sy berminat dgn proton preve yg berharga rm62,990. Plan sy nak byr deposit rm7000…n ambik loan 9 years. agak2 lulus x?thx…

    • Mybestcardealer.com April 18, 2012 at 10:33 pm

      Hi, ada kemungkinan boleh dapat kelulusan kerana gaji anda melepasi syarat dan anda berkerja di bawah kerajaan. Boleh sediakan dokumen salinan IC, lesen, pay slip 3 bulan dan bank statement 3 bulan dan degree slip. Jika tuan berminat, boleh hubungi pihak kami untuk membuat temu janji.

      Bayaran bulanan adalah dalam lingkungan:
      OTR Price: RM 62,990
      Down payment: RM 7,000
      Interest: 2.9% (approx)
      Loan: 9 years
      Monthly: RM 654

  669. nor asmaliza bt abdul rahhman April 18, 2012 at 8:14 pm

    assalamualaikum baru2 ini saya ade membuat loan untuk kereta sebnayak 3 kali ttp x de satu pun yng lepas kerana pihak bank mnyatakan loan untuk kereta sekurang-kurangnya gaji 1800 ke atas untuk layak membeli sebuah kereta terpakai…….. saya kurang berpuas hati terhadap pihak berkenaan…. saya harap tolong beri penjelasan terhadap masalah saya. tq…..

    • Mybestcardealer.com April 18, 2012 at 10:28 pm

      Yes, minimum gaji di bawah RM 1,500, anda perlu dapatkan guarantor. Max loan jika gaji RM 1,500 adalah dalam linkugan RM 30k-40k (kereta baru) bergantung kepada kelayakan.

      Kereta terpakai, interest nya lebih tinggi, mungkin jumlah loan adalah lebih kurang.

  670. black April 19, 2012 at 2:02 am

    hi,
    apa kelayakan minimum nak beli kereta proton preve?or kia forte?

  671. zaza April 19, 2012 at 1:32 pm

    hi,
    salary RM2300, Swasta, already 6 months working, entitled to get Preve (price RM62990) x? with 5% D/P..

    • Mybestcardealer.com April 20, 2012 at 8:59 am

      It depends. What company are you working at? If you have a degree/diploma slip, it would be helpful. Just send us your documents for loan processing. Then bank would let you know if you are eligible or vice versa. Give us a call at 019-3559448 and all you need to prepare is the copy of your IC, license, bank statement (3 months), pay slip (3 months) and your degree/diploma slip. We look forward to hearing from you soon.

  672. qis April 19, 2012 at 2:26 pm

    hi,normally interest bg vios 2nd berapa ye?tahun 08/09 price around 60k n above if DP 8-10k berapa fix salary layak utk beli kereta tersebut?

  673. kapt April 19, 2012 at 4:31 pm

    Hai, Jika gaji bersih rm4000 berminat dengan camry with downpayment rm30k, rasanya lepas tak loan dengan syarat baru bank negara. thanks.

    • Mybestcardealer.com April 20, 2012 at 8:54 am

      Depending on your financial record and savings you have at the bank. It would be helpful too. If you are interested, pass us your documents and kami cuba hantarkan kepada pihak bank untuk mendapatkan kelulusan.

  674. dief April 20, 2012 at 2:02 am

    Hi , quick inquiry, im interested in the Myvi extreme or My SE 1.5,am unemployed currently, thinking of a a monthly of RM500 for 5 years or less, what the chances of securing a car loan if bank balance is healthy?

    • Mybestcardealer.com April 20, 2012 at 8:50 am

      Hi dief, how much balance do you have at the bank? You may need a guarantor depending on how much down payment are you willing to make. Are you still looking for a job? Or you’ve got a job but you haven’t started yet?

      • dief April 27, 2012 at 5:44 am

        Hi, approx. 40% to 50% downpayment, yeah Im looking for a job for 1.5months. Dont wanna inconveniance anyone with guarentors.

      • Mybestcardealer.com April 27, 2012 at 12:35 pm

        Hi dief, there’s some issue here. Currently you are labeled as unemployed unless you have a job offer letter from other company. However, if you want to try your luck, you can always provide us your complete documents and we can try to apply the loan for you. If the bank gives the approval, then we can proceed with the deal. Interested?

  675. bluecollar April 20, 2012 at 11:08 am

    hi admin,

    Pendapatan bersih saya adalah RM1520 dan tiada komitmen pembayaran lain2. saya dah bekerja lebih kurang dalam setahun di syarikat swasta. jika saya nak buat loan untuk proton gen2 year 2004. boleh x saya dapat full loan?. dan bank mana yang menawarkan interest yang paling rendah serta terbaik?. mohon pencerahan dari pihak tuan.

    tq.

  676. klzai April 20, 2012 at 12:23 pm

    I taking loan fr p….. bank with interest 3.75 (7yrs) for my new alza about 2yrs. I’m thinking that the can we ask bank to review our interest so it become latest rate 2.8-3%. Thank you

  677. Nasuha April 20, 2012 at 1:45 pm

    hi admin,

    sy nak tanya..gaji pokok saya rm1.7k dan berminat dgn kereta viva elite.. if dp sy dapat bayar 1.5k sahaja adakah sy boleh memiliki kereta ini?

    • Mybestcardealer.com April 21, 2012 at 2:35 pm

      Salam Nasuha, yes pihak kami boleh cuba bantu masukkan loan di bank dahulu. Jika saudari perlukan penjamin, ibu/bapa/adik beradik boleh jadi penjamin?

      Boleh hubungi En Ihsan di 019-3559448 untuk mendapatkan maklumat lanjut. Sila sediakan dokumen seperti berikut:

      1. Salinan Ic
      2. Salinan lesen memandu
      3. Salinan pay slip (3 bulan)
      4. Salinan bank statement (3 bulan)
      5. Salinan degree/diploma slip

  678. razak April 21, 2012 at 1:38 am

    hi. sy nk tnya, klu nk ambil myvi 1.3ez metalic d/p 4500 mnthly bole dpt 470 kebwh x?? dan intrest bole dpt 2.8 x?? slary sy 1500, dan sy ade krete lg mnthly 500..agk2 bole ke sy wat loan untk myvi yg sy nk amik ni..??

  679. Khairul April 21, 2012 at 12:31 pm

    Hi, saya nak tanya, Bekerja swasta dalam bidang profesional gaji bersih saya RM2k + elaun tetap RM600, tidak mempunyai hutang lain bolehkah saya memiliki Honda City E dengan D/P RM15k? Berapakah anggaran bayaran bulanan serta harga roadtax & insurans setiap tahun?

    • Mybestcardealer.com April 21, 2012 at 2:31 pm

      Khairul, boleh tuan hubungi pihak kami di 019-3559448? Pihak Honda kami akan menerangkan anda maklumat lanjut tentang model ini.

      Road Tax: RM 50
      Insurance: (RM 2,511) Decreasing every year

      • Khairul April 21, 2012 at 7:30 pm

        anggaran installment bulanan brapa? saya berminat untuk mendapatkan model 2012.bilakah ia akan berada dalam pasaran?

      • Mybestcardealer.com April 21, 2012 at 9:33 pm

        Model 2012 akan berada di pasaran pada Jun 2012, akan tetapi jika booking dibuat dalam masa terdekat, stock akan tiba dalam July 2012. Anggaran monthly installment adalah bergantung kepada interest rate, down payment dan harga anggaran kereta.

        Sila gunakan calculator online kami di http://www.mybestcardealer.com/find-a-car/payment/ untuk mendapatkan maklumat tepat.

        Estimated Price: RM 90k
        Down payment: RM 15k
        Interest: 2.39%
        Monthly: RM 843

        Tuan boleh sediakan penjamin, in case bank meletakkan syarat untuk mendapatkan kelulusan?

    • Khairul April 23, 2012 at 12:36 am

      Saya bersedia dengan penjamin Gred 41, jika dibandingkan Forte dan City yang mana lebih berbaloi?dan bolehkah pihak tuan mendapatkan no plat Labuan?

      • Mybestcardealer.com April 23, 2012 at 9:18 am

        Pihak kami pernah menggunakan kedua-dua kereta dan pihak kami rasakan jika tuan inginkan keselesaan dan performance, Naza Forte adalah pilihan hati. Spare part harga mungkin tidak beza banyak tetapi interior dalaman dan accessories yang diberikan bagi model Sx adalah lebih berbaloi. Pihak kami tidak dapat membantu anda jika anda ingin dapatkan plate labuan.

  680. Aiman April 21, 2012 at 1:00 pm

    Hi admin. Just nak tanya bank mane offer interest rate paling rendah untuk Graduate scheme for car loan. CIMB sediakan gradute scheme ala Bank Islam jgk x ?

    • Mybestcardealer.com April 21, 2012 at 2:23 pm

      Salam Aiman, buat masa sekarang, bank islam menawarkan interest rate yang paling rendah bagi graduate scheme iaitu 3.1%. Jika aiman berminat untuk membeli kereta dengan pihak kami, aiman cuma perlu hubungi pihak kami di 019-3559448 dan En Ihsan akan menerangkan proses seterusnya dan menjawab sebarang soalan jika ada.

  681. Mofiaz April 21, 2012 at 9:17 pm

    Salam admin. Nak tanya sikit. Basic saya rm1700 dan bekerja di sektor swasta. saya xder personal loan cuma sy ader study loan. sy berhasrat utk memiliki kereta toyota vios j spec. Downpayment 10%. Bleh lulus tak bank loan? tq…

  682. elly April 22, 2012 at 9:49 pm

    Hi =) nak tanya, berapa interest rate untuk toyota vios trd (at) terkini? Dan berapakah bayaran bulanan untuk 7 tahun sekiranya d/p 10k?

    • Mybestcardealer.com April 23, 2012 at 9:14 am

      Salam elly, interest rate adalah dari 2.48% dan ia adalah antara yang terendah setakat ini. Jika elly ingin membeli dengan pihak kami, boleh hubungi kami di 019-3559448 untuk membuat temu janji.

      Price: RM 92,013 (metallic)
      Down payment : RM 10k
      9 years: RM 929.87
      7 years: RM 1,146

  683. Wan April 23, 2012 at 12:07 pm

    Salam…sy pengguna gen-2 1.6 manual tahun 2006…ada baki loan dengan bank sebanyak RM22,xxx. Saya berminat untuk trade-in gen-2 ini untuk inspira 2.0 cvt…ada possibility ke untuk zero d/p? berapa montly kena bayar? gaji basic saya + fix allowances = RM41xx….harap boleh berikan sedikit info

    • Mybestcardealer.com April 23, 2012 at 1:30 pm

      Salam Wan, yes ada possibility untuk dapatkan 0 down payment dengan promosi discount yang sedia ada. Jika tuan berminat, kita boleh berjumpa dan En Ihsan boleh menerangkan semua maklumat dengan lebih terperinci. Harga trade in juga boleh dipertimbangkan. Hubungi En Ihsan di 019-3559448.

  684. mizi April 23, 2012 at 3:19 pm

    nk tye interest kereta 2nd hand tahun 2005..tyvm..

  685. mizi April 23, 2012 at 3:23 pm

    nk tye interest kereta 2nd hand tahun 2005..tyvm..waja auto…

  686. Haz April 23, 2012 at 4:18 pm

    hi, am interested with 4×4 or SUV car. want to trade in my viva 2008 1.0 (A) to any of second hand SUV with monthly installment Rm6 to 7 hundred per month. my basic rm 2K any idea? thanks

  687. edzer April 23, 2012 at 8:08 pm

    hi…saya nak beli kereta exora premium cvt rm 80.000 saya bekerja dengan kerajaan.gaji kasar rm4900….bersih rm 2500….isteri pun kerja kerajaan bersih rm 1600…down payment rm 8000…..lepas ke tidak loan dengan bank

    • Mybestcardealer.com April 24, 2012 at 6:06 pm

      Hi Edzer, yes tiada masalah. Boleh cuba buat joint income bersama isteri dan pihak kami boleh dapatkan pinjaman dahulu. Jika berminat, sila hubungi pihak kami untuk dapatkan maklumat tentang dokumen dan boleh buat temu janji terus. Call En Ihsan di 019-3559448

  688. Hafiz April 23, 2012 at 8:47 pm

    hi..im interested in 2nd hand Vios 1.5 G (2004) price 25k..if i pay the downpayment for 5k, what are the interst rate for it (eg 5 years) and what are the monthly installment that i need to commit?

  689. fieza April 24, 2012 at 4:43 pm

    hi…nak tanye…sy bercadang nak amik honda city tahun 2006??brape market skrg??intrest dr bank brape?

    • Mybestcardealer.com April 24, 2012 at 5:54 pm

      Hi fieza, pihak kami tidak pasti tentang harga second hand. boleh check di mudah.my atau carlist.my

      • fieza April 26, 2012 at 10:56 am

        ok…lg satu i ader kereta iswara tahun 1999…kereta tue jangka abis byr bulan 10…every month i byr 310…i ingat i nak trade in,lps tue i nak amik honda city tahun 2005 yg harga dlm lingkungan 50k kebwh…husband i gaji basic 940,skali campur allowance dpt 2 ribu…i gaji basic 1100…klu buat loan blh lepas tak??tak pnh buat pinjaman ape2..name kereta pun atas nama ayah…klu buat lonn bersama bleh tak??klu tak lps jgk,kene ader penjamin ker??agak2 blh lps tak??

  690. syah April 24, 2012 at 7:34 pm

    deposit 10%, vios trd….berapa sebulan? kejer maybank, gaji 2600 basic…

    • Mybestcardealer.com April 24, 2012 at 10:50 pm

      Berdasarkan gaji basic yang dinyatakan, mungkin bank hanya meluluskan pinjaman untuk model J sahaja. Syarat minimum basic salary mungkin dalam 3k dan ke atas kecuali jika tuan boleh dapatkan penjamin. Kalau berminat untuk membeli vios J, pihak kami boleh menawarkan bodykit trd original dengan harga yang sangat berpatutan. Hubungi pihak kami di 019-3559448 jika tuan berminat.

    • syah April 25, 2012 at 3:08 pm

      hr tu g toyota shah alam, lulus, bayar 916/month, kalu u all leh murah lagi….nk beli ngn u all… :)

  691. Kenny April 25, 2012 at 7:25 am

    What is the current, most accurate interest rate for used cars? Thanks

  692. ummi April 26, 2012 at 1:09 am

    saya ada naza kia tahun 2006, baki bank ada 30,000. nak tukar kereta tu dengan honda civic. gaji saya basic RM 2952, tiada komitmen lain. adakah bank lulus loan sekiranya campur baki kereta kia dengan loan kereta civic.

    • Mybestcardealer.com April 26, 2012 at 9:10 am

      salam ummi, model naza kia apa tu? Pihak kami sediakan proses trade in dan ia tiada masalah. Jika saudari berminat untuk mendapatkan civic, ia agar sukar kerana basic minimum adalah dalam lingkungan RM 3.5-4k bergantung kepada jumlah down payment. Jika berminat, boleh hubungi pihak kami di 019-3559448 dan pihak kami akan menerangkan maklumat lanjut. Jika saudari dapat sediakan penjamin, ia dapat membantu saudari.

  693. Wan April 26, 2012 at 12:37 pm

    Hi, i’m thinking of buying a new Exora Bold. My gross salary is RM3700 and nett is RM2800. May i know what is the lowest interest rate i could get.

    • Mybestcardealer.com April 26, 2012 at 8:55 pm

      Salam wan, based on our previous record, the average interest rate offered is around 2.85%. However, if you have a good financial record, the interest rate could be as low as 2.8%. Call our Proton dealer at 019-3559448 if you would like to set an appointment.

  694. YIP April 26, 2012 at 4:56 pm

    May i know what is the min downpayment and salary to apply for new Accord 2.0 VtiL?

    • Mybestcardealer.com April 26, 2012 at 6:30 pm

      Hi there, the min amount of down payment should be at least 5% of the actual car price. We always recommend our buyer to pay at least 10% for a higher chance of getting the loan approval. Your basic should be at least RM5-6k and above. If you would like to purchase this model from our Honda dealer, do give us a call at 019-3559448

  695. NEWBIES April 26, 2012 at 5:20 pm

    Hello. Gaji kasar RM5.5K. tiada commitment lain. D/P max RM10K. bolehkah afford kereta segment D? Apakah recommendation? TQ

    • Mybestcardealer.com April 26, 2012 at 6:23 pm

      Hi sir, the recommended amount of loan you should apply is below RM 130-140k. Unless you can provide a guarantor, then it would be helpful for you to get a car which is priced higher than the stated amount above.

  696. yuzairie April 27, 2012 at 12:59 am

    salam….sy berminat untuk memiliki kia forte koup..apakah rate bulanan sy jika gaji bersih sy rm3k..??? n nk tya kia untuk jangka mse panjang berbaloi @ tidak untuk sy membelinya??? tlg kirakan sbb da try kira…tp pnng xtau cmne…thanks.

  697. wan April 27, 2012 at 11:38 am

    hai…. klu sya nk beli toyota vios terpakai harga dalam rm45 k, down payment dlm rm 10k.. brape bayaran bulanan untuk 9 thn dan brape rate kreta terpakai skrg?

  698. john April 27, 2012 at 1:44 pm

    sry I wan to buy a vios j spec i need to pay how much down payment my basic is 1000sgd if +ot around 18xxsgd n how much of monthly 9years but I don hv any statement bank at Malaysia and no guarantor…I can loan it?

    • Mybestcardealer.com April 29, 2012 at 10:47 am

      Hi John,

      Where’s your location? Are you staying in Johor? If you could provide a bank statement which your salary is deposited into, that would be helpful. Recommended amount of down payment is 10% and please note that OT is not included in the calculation.

  699. mohd April 28, 2012 at 10:02 pm

    hai…saya berminat untuk membeli kereta honda civic 1.8s…saya bekerja sendiri..pendapatan bulanan saya rm5000 lebih..adakah saya perlu bawa bank statement utk book kereta?berapa minimum d/payment yang perlu dibayar?

  700. Mybestcardealer.com April 29, 2012 at 10:58 am

    Salam Mohd, berdasarkan maklumat yang diberikan, anda perlu sediakan penjamin kerana status anda yang berkerja sendiri. Adakah bisnes anda didaftar dengan ssm? Bank statement boleh dibawa supaya pihak kami dapat melihat status kewangan anda dan menilainya. Bayaran minimum down payment adalah 5% tetapi pihak kami menggalakkan 10% dibayar. Boleh hubungi pihak kami secepat mungkin di 019-3559448 bagi membuat temu janji sementara stock masih ada.

  701. Robin April 29, 2012 at 3:07 pm

    Hi there, I’m looking at Peugeot Turbo 308, priced around RM118k. How much will my monthly pay be enough to get a loan? May I know what is the interest rate for this car? If the refinancing period is around 9 years, how much will my monthly payment be? Thank you so much for your info in advance. Really appreciate it.

  702. Wan April 30, 2012 at 1:21 am

    Hi Admin, saya bercadang untuk beli Proton Preve 1.6 MT Executive. Kalau saya trade in perodua viva 850 Manual 2008 saya, berapakah bayaran bulanan untuk loan 9 years?. Terima kasih..

    • Mybestcardealer.com April 30, 2012 at 8:16 am

      Salam Wan, Berapakah baki hutang Perodua Viva tersebut? Sila check email anda. Admin sudah hantarkan quotation ke email anda. Jika tuan mempunyai sebarang soalan, boleh hubungi pihak kami di 019-3559448.

  703. tam tam April 30, 2012 at 2:14 am

    kalo nak amik 2nd car leh lepas x?
    dah ada saga blm. bln2 byr rm480. gaji bersih dalam rm4880. ingat nak amik viva auto paling murah. lepas x nak wat loan lg? bape ek nak kena byr utk viva tu?tq.

  704. hafiz April 30, 2012 at 10:45 am

    salam..sy mempunyai persona elegance thn 2010 nak trade ambil toyota vios j auto tahun 2008.d/pyment 10% untuk vios..brp bln2 sy kene byr?

  705. tam tam April 30, 2012 at 1:41 pm

    hmm..
    sy bcadang nak amik viva baru nak bg kat bini.tq

    • Mybestcardealer.com May 1, 2012 at 12:26 pm

      Hi tam, jika tuan berminat untuk dapatkan Perodua Viva baru pon mungkin ia tidak ada masalah kerana gaji tuan memang layak. Kami sarankan agar tuan mengambil model Perodua Viva Auto Standard. Untuk mendapatkan promosi terkini bagi model ini, boleh hubungi En Ihsan di 019-3559448.

  706. nadaraja April 30, 2012 at 4:12 pm

    saya seorang kakitangan kerajaan gaji bersih selepas potongan perumahan dan lain lain komitment sebanyak RM3400.00.
    saya ingin dapatkan honda citi model E . bayar deposit sebanyak RM 30000.00 bolekah saya mendapat loan sebanyak rm 60000.00.

    • Mybestcardealer.com May 1, 2012 at 12:22 pm

      Hi nadaraja, mungkin tiada masalah bagi tuan untuk mendapatkan pinjaman tersebut. Jika tuan berminat, kami sarankan agar tuan membuat booking dengan segera kerana stock bagi model ini adalah sangat terhad. Pihak kami akan menghantarkan quotation ke email tuan untuk dijadikan bahan rujukan.

  707. Musibat Sulung May 3, 2012 at 5:50 am

    Sebelum ini saya hendak membeli sebuah mitsubishi triton (used car) keluaran sekitar tahun 2007-2008.. saya telah mencuba submit di beberapa buah agent kereta terpakai.. tapi masalahnya, setiap agent menyarankan cara yg berbeza yg mana akhirnya permohonan pinjaman saya gagal..

    kini saya berminat untuk membeli sebuah Mitsubishi Triton 2.5 Full SPec baru yg berharga sekitar RM93k.. sebab ada yg kata beli yg baru lebih mudah dr yg terpakai.. saya telah submit document saya dan guarantor pada sebuah agent Mitsubishi sekitar jalan pahang, K.L.. dan saya prefer Maybank untuk loan tersebut sebab senang nak buat Standing Instruction memandangkan gaji saya masuk melalui Maybank.. Akan tetapi, 3 minggu telah berlalu sejak Maybank menghubungi saya bagi tujuan interview tapi masih tiada jawapan hingga sekarang.. Adakah ini bermakna permohonan saya gagal..? bila hubungi agent, agent kata masih dlm proses.. takkan lah sampai 3 minggu..? macam nak beli kapal terbang lak rasanya.. atau adakah permohonan saya yg kini telah dijejaskan dgn rekod permohonan sebelum ini melalui agent kereta terpakai..? saya dalam keadaan buntu kerana saya sangat memerlukan kenderaan tersebut untuk melancarkan perjalanan perniagaan secara sambilan yg baru saya mulakan..

    Gaji basic saya ialah RM1502.15 + elaun tetap + Ot = sekitar RM3600 sebulan.. Baki Bersih setelah tolak epf dan sebagainya, lebih kurang RM2700-RM2800 setiap bulan.. Guarantor adalah adik saya yg berpendapatan bersih sekitar RM2200 setiap bulan..

    Apa pendapat serta pandangan Mybestcardealer.com…?

    • Mybestcardealer.com May 3, 2012 at 6:34 am

      Hi musibat, perkara ini berlaku disebabkan gaji basic saudara yang kurang dari minimum gaji yang diperlukan untuk membuat loan sebesar RM 90k. Berapakah down payment yang tuan ingin lakukan?

      Beginilah, tuan berikan dokumen tuan ke email kami dan senaraikan bank mana yg telah tuan cuba buat pinjaman. Pihak kami boleh cuba berurusan dengan tuan dan kami tidak berani jamin jika kelulusan akan diperolehi.

  708. Musibat Sulung May 3, 2012 at 8:20 am

    Hi Mybestcardealer.com…

    baiklah.. email address yg mana harus saya hantarkan dokumen saya..? Admin@mybestcardealer[dot]com ini kah..?

  709. Adrian Ooi (@Adrian00i) May 3, 2012 at 10:10 am

    Hi, i would like to know with 9-10 months working basic 3k salary, is it hard to apply car loan of 85k with downpayment 30k loan 7 years? how long would it take to process ?

    • Mybestcardealer.com May 3, 2012 at 10:49 am

      Hi Addrian, loan process may take from 3-5 days depending on the bank. Based on the information provided above, it should be okay. Which model are you planning to get? Do call us for more information at 019-3559448.

  710. Adrian Ooi (@Adrian00i) May 3, 2012 at 11:16 am

    forte 1.6SX , with 3 months pay slip and this year epf statement is it sufficient to apply loan?

    • Mybestcardealer.com May 3, 2012 at 11:50 am

      Hi adrian, it should be fine. Email us the copy of your IC, license, pay slips 3 months and bank statements 3 months and you are good to go. Give us a call at 019-3559448 whenever you are ready.

  711. hehafiz May 3, 2012 at 11:42 am

    salam/gd morning,
    saya plan untuk ambil toyota caldina 2nd/2004, my monthly income bersih tolak loan lain dlm RM4000++. So berapa boleh dapat utk monthly installment. Saya nak request utk 9 years atau 7 years. Car 110k and my deposit 50k.

    Berapa interest rate for this car and minimum monthly payment saya boleh dapat

  712. shah May 3, 2012 at 2:12 pm

    Hi there, gaji bersih saya RM3000, bekerja pejabat swasta selama 6 bulan, nak ambik honda crz atau forte koup, loan selama 9 tahun, nak letak downpayment RM30k, lepas tak? berapa bulanan kena? terima kasih

    • Mybestcardealer.com May 3, 2012 at 2:23 pm

      Hi Shah, pihak kami boleh cuba submitkan dokumen shah ke bank dahulu jika berminat. Sila sediakan salinan IC, lesen, pay slip 3 bulan, bank statement 3 bulan. Kami akan hantarkan quotation ke email shah dalam masa yang terdekat. Jika berminat, boleh hubungi kami terus di 019-3559448. Pihak KIA dan Honda kami boleh menerangkan details mengenai setiap kereta tersebut.

  713. Jay May 3, 2012 at 4:54 pm

    Hi,
    Saya bekerja swasta. Nak tanya…basic salary saya RM2200. Setelah ditolak EPF RM1980. Saya nk beli kereta civic 1.8 06 berharga RM78k dan dalam masa yang sama saya berminat untuk trade-in BLM 2008(fullsettlemet dlm 19k). Bolehkah saya memilikinya dengan D/P RM8k? Dan berapa anggaran installment dan interest?

  714. Jay May 3, 2012 at 5:22 pm

    Guarantor gaji min? Usia?
    Tq.

  715. ria May 3, 2012 at 9:38 pm

    HI….basic salary saya 2729+allowance 200=2929…
    bole kalo saya nak bli honda city grade E…?perlu guarantor x?

    • Mybestcardealer.com May 4, 2012 at 9:27 am

      Hi ria, bergantung kepada gaji bersih ria, company yang ria bekerja dan juga amount of down payment yng ingin dibayar. Tetapi kebiasaannya, berdasarkan gaji anda dan pinjaman 90%, kebarangkalian anda memerlukan penjamin adalah lebih tinggi.

  716. azz May 3, 2012 at 11:19 pm

    hi..saya nak mintak opinion mybestcardealer…saya x pernah beli kereta…Baru jek plan nak beli kereta pertama setelah 10 thn kerja..gaji pokok rm4700, hutang sedia ada yg tetap rm1679 sebulan…so kereta apa dan harga berapa yg paling maximum boleh saya beli? saya belum decide nak beli kereta apa…sebulan saya boleh bayar berapa ye?

    • Mybestcardealer.com May 4, 2012 at 9:30 am

      Berdasarkan gaji bersih azz, kami suggest loan yang dibuat tidak melebihi RM 80,000 untuk mendapatkan pinjaman tanpa menggunakan penjamin. Bayaran bulanan bergantung kepada model kerana interest adalah berlainan bagi setiap brand. Jika azz berminat, boleh email admin dan pihak kami cuba suggest kereta yang terbaik didalam range ini.

  717. nadia May 5, 2012 at 2:17 pm

    Hi..sy nk tanya pendapat mybestcardealer.sy skg pki viva 2008 & tgh plan nak beli swift..sy confuse if nk trade in..sy punya full settlement ade lg 23k..harga viva sy beli dlu 40200..so,worth it if sy nk beli swift?agak2 brp rm sy punya installment?ade rebate x?

    • Mybestcardealer.com May 6, 2012 at 9:01 pm

      Salam Nadia, buat masa ni admin tak jual Suzuki kerana jarang pihak kami dapat customer untuk beli Suzuki. Berkenaan dengan trade in mungkin tiada masalah kerana baki hutang tidak terlalu tinggi. Jika nadia betul-betul berminat, pihak kami boleh cuba dapatkan nadia Suzuki swift tersebut. Kami cuba dapatkan deal yang terbaik dari dealer kami yang terdahulu. Jika berminat, boleh sediakan salinan ic, lesen memandu, pay slip 3 bulan dan bank statement 3 bulan. Nadia boleh hubungi En Ihsan di 019-3559448 untuk membuat temu janji.

  718. azmel May 5, 2012 at 2:56 pm

    saya nak tanya. utk beli polo sports 1.2 (2012), boleh tak dapat 90% loan sekiranya gaji bersih rm3.3k. cc outstanding ada 35k with monthly prompt payment. tak ada loan lain. will bank give lower % kalau tak dapat 90% or reject terus? what if ada guarantor boleh dpt 90%?

    • Mybestcardealer.com May 6, 2012 at 8:55 pm

      Kalau polo TSI mungkin boleh. Tetapi kena ada guarantor. cc stands for credit card is it?

      • azmel May 6, 2012 at 9:20 pm

        yes, cc stands for credit card outstanding. yang 3.3k tu only gaji tolak epf n income tax. car is polo tsi. possible dapat 90% with guarantor?

      • Mybestcardealer.com May 7, 2012 at 6:46 pm

        If you dont have any issues or late payment for the credit card, and your guarantor has a strong financial background, you may have a chance. Please contact En Ihsan at 019-3559448 if you are interested to get this model. We can submit your documents to the bank to check whether your eligibility. Thanks

  719. Nieza May 5, 2012 at 3:33 pm

    Salam.. Saya keje di company kerajaan dan merupakan graduate Bachelor Degree at Local U. gaji bersih saya RM2400. saya bercadang ingin membeli Proton Saga FLX 1.6 (Auto). saya ingin bertanya, adakah saya layak dapat 100% loan? berapa interest yg layak untuk saya? dan berapa bayaran monthly saya? this is my first car… TQ

  720. Nieza May 5, 2012 at 3:43 pm

    Salam..

    Please ignore my previous comment..Saya keje di company kerajaan dan merupakan graduate Bachelor Degree at Local U. gaji bersih saya RM2400. saya bercadang ingin membeli Proton Saga FLX 1.6 (Auto). saya ingin bertanya, adakah saya layak dapat 100% loan? berapa interest yg layak untuk saya? dan berapa bayaran monthly saya? this is my first car… TQ

    • Mybestcardealer.com May 6, 2012 at 8:04 pm

      Nieza, berdasarkan gaji nieza, nieza memang layak untuk mendapatkan pinjaman full loan dibawah skim graduan. Interest rate terkini bagi skim ini adalah 3.1%. Pihak kami akan emailkan quotation untuk nieze semak. Jika nieza berminat, boleh lah hubungi En Ihsan di 019-3559448 supaya saudari boleh membuat temu janji.

  721. zuzu May 6, 2012 at 7:28 pm

    Salam,

    Currently my salary is 6300/month. Commitment credit card 700, personal loan 305, housing loan 1500 but join loan with wife. May I know what is my max eligibility for car loan?

    • Mybestcardealer.com May 6, 2012 at 8:02 pm

      Wasalam Zuzu, max loan boleh pergi mungkin dalam RM 110k. Jika berhajat untuk membuat pinjaman lebih daripada tu, mungkin zuzu perlu buat joint income bersama si isteri. Hubungi pihak kami jika zuzu berminat untuk mendapatkan apa jua model. Dealer-dealer kami boleh membantu dan hubungi En Ihsan di 019-3559448 jika tuan mempunyai sbarang soalan.

      • zuzu May 6, 2012 at 8:27 pm

        Boleh saya tahu berapa estimated interest rate for honda stream 1.8, 2007 recond?

      • Mybestcardealer.com May 6, 2012 at 8:48 pm

        2.5% kalau recond. Tuan dah jumpa kereta recond honda stream ke? Kalau belum, pihak kami boleh cuba dapatkan deal yang terbaik daripada dealer-dealer kami yang mempunyai AP.

      • zuzu May 6, 2012 at 9:20 pm

        saya belum jumpa..still open for options. would surely consider kalau dapat good price and with a good loan deal.

  722. ummi May 6, 2012 at 7:31 pm

    saya kaki tangan kerajaan, berhajat nak beli kereta toyota camry. gaji sya 3000k. adakah saya boleh full loan.?

    • Mybestcardealer.com May 6, 2012 at 7:59 pm

      Berdasarkan maklumat yang diberikan, loan maximum boleh pergi adalah dalam lingkungan RM 60-70k dan ia juga bergantung kepada gaji bersih saudari. Jika ummi berminat, ummi boleh dapatkan Proton Preve, Toyota Vios J, Perodua Myvi, atau Naza Forte Ex

  723. enny May 7, 2012 at 1:43 am

    salam..
    saya nak mntak jasa baik mybestcardealer bgi link untuk harga proton saga dan kadar faedah bgi proton saga dri tahun 1980 hingga sekarang. saya tak jumpa data untuk info tu..tq

  724. apek May 7, 2012 at 4:00 pm

    Salam…
    bro nk tnyer sket lah, market price value gen2 cps manual oktober 2010 dari bank skang bape?

    TQ..

  725. hafiz May 8, 2012 at 12:46 pm

    salam/hello,
    saya dalam proses tukar trade-in/hak milik kenderaan dgn car dealer, owner ada di pahang dan kenderaan baru ada di jb, untuk proses trade-in kereta lama, apa keperluan/dokumen yang perlu ada sebelum proses trade-in.

  726. Adam Forte May 8, 2012 at 11:27 pm

    Hello..
    Just nak tanya berapa interest rate untuk Kia Forte 1.6sx yang terkini.
    Preferably dari maybank hire purchase.
    Thanks in advances : )

  727. Mr.Audi May 9, 2012 at 8:58 am

    Audi, Merc, BMW, Volvo, what are the interest rates for 5 to 9 years?

  728. Ayman May 9, 2012 at 1:30 pm

    Hello there,
    i just wanted to ask for your opinion. I juz started working on March with salary of RM2.5k after the deduction of epf,sosco and in need of a car. My choice would be either Inspira manual or the new preve. Since i need the car urgently id assume preve would a long time to wait so that leaves me with inspira. May i know the interest rate for the new inspira and monthly installment if i pay rm10k downpayment.
    Thank you in advance ;)

  729. tat May 9, 2012 at 2:16 pm

    hi,sy berminat dengan nissan sylphy yang berharga RM114,800.Gaji kasar saya RM2372 dan bersih dalam linkungan RM1800.Boleh ke saya beli kereta itu tanpa downpayment. Jika tidak boleh,berapa sekurang kurangnya saya perlu bayar downpayment dan installment untuk 9 tahun??

    • Mybestcardealer.com May 9, 2012 at 11:23 pm

      Hi tat, berdasarkan gaji bersih yang dipaparkan, maximum bayaran bulanan kereta anda tidak boleh melebihi RM 600 ke atas dan maximum loan yang boleh dilakukan adalah dalam lingkungan RM 50k.

  730. Joe May 9, 2012 at 8:51 pm

    Hi,
    I’m quite interested with the new revamped hyundai i10. I wonder if I can get any latest website (instead of “fast motoring” and “livelifedrive”) that tells me very details info about i10 1.1 white cause some photos in google shows this car comes with the black side lines and some are not. Im not sure which 1 is malaysia market . Is it possible to get a fully loan (without down payment) for imported car? My gross pay is RM2500,nett pay RM2225 and I am malaysian PR Mykad holder.

  731. Har May 14, 2012 at 1:47 am

    Hi bro, nak tanya n get your opinion lah.
    Aku baru je beli nissan teana 2.5.monthly 1594.
    Bayar utk 9 tahun
    Downpayment 28k
    Beli awal february 2012
    Aku nak let go sbb ada masalah kewangan.
    Pada pendapat bro ok x aku let go
    Agak2 ada x dealer nak amik kereta aku nie
    Brap harga dealer amik?
    Aku ingat nak amik ford fiesta je
    ko ada office kat jb x?

    • Mybestcardealer.com May 14, 2012 at 10:59 am

      Har, you akan rugi banyak kalau you jual kereta tu. Mungkin rugi dalam 10-20k dari pada harga jualan. Kerana interest used car yang tinggi menyebabkan orang ramai lebih prefer untuk beli kereta 2012, daripada kereta terpakai. Jika tuan dapat mencari orang yang boleh beli dan sambung bayar, ia lebih baik.

    • abear8 May 19, 2012 at 8:45 pm

      hi mr har,
      nak tanya bro punye kereta teana tu agak2 brape harga nak tolak?n berapa cepat mau tolak??mileage brape,ade accident x?

  732. mie May 14, 2012 at 3:50 pm

    Bro, my net pay is around RM5300 monthly. After housing loan deduction, insurance I’ll have around RM4K ++. No outstanding debt. But if you’re looking for joint statement, it’ll be around RM5K ++.

    I’m looking at Preve CFE or Forte 1.6L SX model. My downpayment will be RM10K & looking for 5 years loan. Questions :
    1) Am I eligible for 5 years loan?
    2) What is the best rates for each model?
    3) Any freebie?

  733. Azam Muhammad Anas May 17, 2012 at 12:19 am

    hi,
    sallary : 3500
    basic : 2700 + (insentif+ot = 1000)
    commitment : house,670(individual) + 1058 (joint loan), asb,300
    1. to sell off my wifes viva 2007,auto,premium,1.0,silver. How much can i sell off and how?
    2. new persona, b-line, auto : price, full loan available? best intrest rate?
    3. 2nd hand persona, auto : price, full loan possble? and intrest rate?
    tq!

    • Mybestcardealer.com May 17, 2012 at 9:18 pm

      Salam and hi, you can trade in your viva without any issues. If you would like to get a persona, we only have a new M-Line. Interest rate for a brand new proton with a full loan should be around 3.1%. If you would like to get this model, call us immediately as we have 1-2 stocks left.

  734. abear8 May 17, 2012 at 8:27 am

    hi,
    if my basic salary is around 12000 and my nett salary is 9990,i have housing 1070 p/mnth,car 392 p/mnth,no outstanding debt. am i eligible to own a new toyota camry 2.5?

    • Mybestcardealer.com May 17, 2012 at 9:10 pm

      Yes sir, you are eligible for that. How much down payment are you planning to do? We can give you a quotation based on the specified amount to your email.

      • abear8 May 19, 2012 at 8:49 pm

        hi,
        i’m willing for a downpayment less than 10k for a new camry 2.5,i would like to know the quotation for interest and monthly payment. your stock is the new camry or the old camry,coz i thought in june there will be a new camry coming out soon,is there any discount if i bought the old batch camry?

  735. ogy May 17, 2012 at 7:36 pm

    hi, sy student lg, fmly sy nk bli kn sy car. so sy bminat dgn vios g limited. ada ape2 diskaun utk student x? ade msalah x if kereta tu atas nama saya sbb sy xde pndapatan? tq

    • Mybestcardealer.com May 17, 2012 at 9:06 pm

      Hi Ogy, tiada masalah. Bulan ni ade promotion discount RM 1,888 bagi model G limited. Jika saudari berminat, pihak kami boleh hantarkan quotation ke email saudari. Sila nyatakan jumlah down payment yang ingin dilakukan dan gaji bersih ayah/ibu yang menjadi penjamin.

      • ogy May 17, 2012 at 9:59 pm

        skim graduan x bleh gne utk kete toyota ke? basic 3k, downpayment 15k. if sy amik vios biasa, brapa harge otr n brape sy kne top up kalau nk accessories exactly mcm trd? tlg emel quotation

      • Mybestcardealer.com May 18, 2012 at 9:07 am

        Baik, pihak kami akan emailkan quotation dalam masa yang terdekat. Terima kasih kerana menggunakan perkhidmatan kami.

  736. Alin May 18, 2012 at 1:10 am

    HI.. currently I interested to buy swift. how much the interest now?
    kindly share with me the price list also.

  737. Elle May 18, 2012 at 11:35 am

    hi…

    i’m planning to trade in viva registered in Dec 2008 with Ford Fiesta.

    1.can i know the range of current trade in market value of
    my Viva (White /1000cc /auto). Outstanding loan : RM36k, basic salary : RM2500 , i have home loan monthly RM250.

    2. Do i need to pay DP as well if i trade in with viva or i can get 100% loan for ford fiesta?

    thanks and regards

    • Mybestcardealer.com May 21, 2012 at 1:27 pm

      Yes elle, you do need to pay down payment as your basic salary doesn’t meet the minimum requirement. On the other hand, your outstanding balance of your Viva is still high and you may have to pay a lot of money to trade in. Are you able to find a guarantor?

  738. haikal May 18, 2012 at 12:14 pm

    tolong send quotation untuk KIA Forte 1.6 sx..full loan dan 10% downpayment.tqvm

  739. wan May 19, 2012 at 7:47 pm

    sy downpayment 20 k…sy ingat nak ambik honda civic 2.0
    sy cume jadi cikgu je…basic sy 2050 je di slip gaji…bulan ogos br 2500 basic sy..mampu ke pakai civic 2.0

    • Mybestcardealer.com May 21, 2012 at 5:30 pm

      Salam wan, gaji max yang boleh dibuat adalah kurang daripada RM 40,000-RM 50,000 jika gaji bersih dalam lingkungan RM 1,800. To be safe, lebih baik apply kereta dalam linkungan RM 60-70k utk mendapatkan kelulusan dengan lebih mudah.

  740. hafiz May 20, 2012 at 9:46 pm

    gaji saya basic 1050 saja..campur elaun,komisen 1700..bercadang untuk beli myvi se..boleh ke

  741. man May 21, 2012 at 12:25 pm

    Tumpang tanya…

    Saya kerja krajaan, gaji pokok saya RM3100 + elaun RM1250 = RM4350 (Namun gaji bersih ialah RM1300 (tolak KWSP, rumah dll)).

    Saya berminat utk membeli honda civic (baru atau used), pada pendapat tuan, loan lepas tak?

    Saya ingin membuat d/pyment sebanyak RM29k.

    Sedangkan saya ada income luar (bulanan RM1600-1800 (buat kelas, tuisyen dll)). So income luar (RM1600-1800) + gaji bersih (RM1300) = RM2900-3100. Perlu ke saya buat surat yang disahkan oleh pesurujaya sumpah?

    Keliru… Tq

  742. sharp May 21, 2012 at 4:56 pm

    salam. saya kakitangan kerajaan dgn gaji bersih rm2400. ingin membeli 2nd hand car honda civic 2.0 2009 dlm lingkungan rm98000. cdg bayar downpayment rm10000, berapa interest rate loan bank utk 7 or 9 tahun? dan berapa bayaran bulan2.. tq

  743. jazz hybrid May 22, 2012 at 2:58 pm

    Hello,

    Ada pertanyaan: Berapa interest rate dan bayaran bulanan untuk honda jazz hybrid jika downpayment ialah RM10,000? Untul makluman, gaji bersih pasangan 6200 + 3500, ada loan rumah Rm1300/month dan Rm700/month student loan.

    terima kasih.

    • Mybestcardealer.com May 22, 2012 at 3:25 pm

      Hi, ada promosi interest rate serendah 2.35% sehingga hujung bulan depan dan jika berminat, boleh call pihak kami dengan segera di 019-3559448. Tempahan boleh dibuat dan gaji anda memang layak utk membuat pinjaman tersebut. Anda tidak perlu risau.

  744. cher May 22, 2012 at 4:46 pm

    Hye,bro..nak tumpang tanya..kalau parents dah ada loan..contoh loan kereta..bleh ke nak jdi guarantor utk saya..?saya nak ambik myvi second..dan bajet utk downpayment rm5000..

  745. cher May 22, 2012 at 9:03 pm

    myvi second model..around 2008 – 2010..saya pun xpasti..yg penting asalkn perodua myvi.. :) kalau parents yg ada loan dpat jdi guarantor..harap2 dpat lpaz lar loan sya..thanx bro..

  746. ena May 22, 2012 at 11:26 pm

    Hi, interest rate untuk local car ada turun tak? Atau still sama? Dan kereta apa terbaik untuk dibeli jika gaji bersih RM1200. Dari segi maintanence, minyak.. yg mana lebih jimatkan? Saga FLX atau myvi? Viva?

  747. man kajang May 22, 2012 at 11:52 pm

    salam..
    sy berminat civic 1.8 2006..harga dlm rm80k,income bersih sy rm2.4k…sy fresh grad…bolehke sy dpt full loan dan 9 thn pinjaman (used car) dgn gaji sy mcm tu?..berapa interset rate utk kereta civic 2006 ye?…terima kasih…

    • Mybestcardealer.com May 23, 2012 at 12:18 am

      Interest dalam 3.6-3.9%. Berdasarkan gaji tersebut, tuan perlukan penjamin jika tuan ingin dapatkan pinjaman penuh. Lebih elok jika pihak tuan dapat beli kereta toyota vios baru kerana maintenance and interest nya adalah jauh lebih berbanding used civic.

  748. eira May 23, 2012 at 10:00 am

    boleh tnye,if sy fresh graduate,then sekarang tengah sambung PhD,pendapatan bulanan xde,tetapi elaun biasiswa myPhD sebanyak 2.3k sebulan, dan elaun tutor sebanyak 2.3 k juga sebulan.the problem is sy xde slip gaji,tetapi lebih dr mampu untuk memiliki kereta..boleh kemukakan academic transcript and offer letter biasiswa x?

  749. Miss Nina May 23, 2012 at 12:01 pm

    bole tanya…gaji saya rm1750,lepas potong loan personal ngan hutang lain gaji bersih rm1250…saya nak ambil proton saga fl…saya nak bayar downpayment 5k dan pembayaran untuk 9 tahun…lepas tak dengan bank? dan kalau boleh saya tak nak ada penjamin…sebelum ni ada kancil,p sudah abis bayar dan tiada rekod lambat bayar…

  750. cher.. May 24, 2012 at 3:36 pm

    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..sya dri miri sarawak..

  751. Miss Ann May 26, 2012 at 7:43 pm

    I’m a fresh graduate…worked for 3 month…my basic salary 2200..I’m interested to buy toyota PRIUS C…i would like to ask if there any Islamic car loan from local bank?my budget for monthly payment is RM600 per month with no down payment…is there any car loan that can give me option to make repayment car loan for 15 years or 20 years??

  752. aznor May 26, 2012 at 9:37 pm

    hye…saya berminat memiliki hyundai/inokom i10.. gaji bersih dlm RM2400 sebulan. saya plan nak bayar rm500 sebulan. so berapa interest & downpayment yg perlu saya buat..TQ

  753. Khairul May 27, 2012 at 2:18 pm

    Salam..
    Fyi, my net salary is rm2.4k monthly and worked at private company just 4 month.
    Is it possible for me to get bank’s loan if i want take a toyota vios J with 10% downpayment without guarantor?

    • Mybestcardealer.com May 27, 2012 at 11:35 pm

      Wasalam khariul, it should be fine. We can submit your documents for loan processing if you are interested. Please be informed that there is a special discount of RM 1,888 + Free gifts if you purchase and book before the 31st of May 2012.

  754. pokwi May 27, 2012 at 5:18 pm

    Nk tanya,
    saya berminat nk beli 2nd hand swift yg harga dlm 45k – 50k.
    gaji skang dlm rm2000, bersih dlm 1.7k kot.
    Downpayment boleh la byr dlm rm4-5k.
    Nk loan bank 9thn dpt ker?

  755. cher.. May 29, 2012 at 1:00 pm

    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..

  756. Superman May 29, 2012 at 3:45 pm

    Just want to ask, my current salary is 2.5k, basic 2k, worked for 3 years now..I own a car now, i want trade in as down-payment plus Rm10k, is it possible for me to own a Vios j? second hand car preferably (total down-payment possibly 25k)..i have my own projects going..but that was my permanent monthly income..if possible, i just want to ask Ur suggestion for Vios J car around year 2008-2011, and how much monthly..TQ..

  757. aerol May 30, 2012 at 6:12 pm

    hi,saya dari sarawak.nak tahu tentang price naza forte dan interest.saya basic gaji 2600.nett 2286.

  758. thinktank May 31, 2012 at 1:25 pm

    hi. i’m interested in Inspira 1.8M. My commitment are housing loan (RM1600) + personal loan (RM1000) + credit card (RM200) + car loan (RM456 – to be trade in. No need to top up). My pay is RM7900. Am i eligible?

  759. Berry May 31, 2012 at 2:02 pm

    Hi! I want to buy Suzuki Swift GLX, my salary RM2k, nett RM1700, down payment RM5k. Prefer 9 years installment, what is the best rate? Thx

    • Mybestcardealer.com June 1, 2012 at 6:38 am

      Hi berry, the lowest interest rate for Suzuki should be around 2.4+% but your basic salary doesn’t meet the minimum requirement. You may need to provide a guarantor if you would like to proceed with the purchase of this model.

  760. emma May 31, 2012 at 6:28 pm

    hi,
    saya bercadang nk beli kereta myV SE(auto). Jika saya bayar d/p sebanyak 1k. monthly berapa ye?…gaji bersih 2700 dan saya keje gov…
    tq

    • Mybestcardealer.com June 1, 2012 at 6:36 am

      Hi emma, pihak kami sudah hantarkan quotation ke email saudari. Adakah saudari baru mula berkerja? Mungkin saudari boleh menggunakan graduate skim kerana down payment yang kurang daripada 10%. Interest rate adalah 2.98% seperti yang dipaparkan di dalam quotation.

  761. Mybestcardealer.com June 1, 2012 at 6:44 am

    Due to excessive number of comments on this entry, we have to close this entry. Feel free to email us at admin@mybestcardealer.com or you can comment on our new interest rate page: http://mybestcardealer.wordpress.com/2012/05/29/graduate-scheme-car-loan-interest-rate-2012/

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