bmw credit...anybody knows???

airyfairy · Post time 14-4-2008 04:07 PM

i baru apply loan untuk keta. i nak beli getz inokom but 2007 punya..dah cuba mcm2 bank, semua nak guaranto sebab i keja less than 1 year..apply public bank mcm2 hal, guaranto xlayak la..apa la..skang ni my car dealer try loan kat bmw credit..anybody knows, bmw credit tu apa?? bank ke?? interest rate quite low, dlm 2.8 tp xleh 9 years loan.maximum 7 years..actually masa deal nk beli keta, if 9 years i hv to pay around 650 per month, but loan ngn bmw credit ni 757 per month for 7 years..berbaloi x??

seroja_pagi · Post time 14-4-2008 04:30 PM

Hai.. Few months back I ada jugak apply via BMW Credit ni ha.. Nak beli preowned BMW, the seller said it's easier with this BMW credit. I call, dia suruh hantar documents. Dah hantar segala bagainya, terus senyap...bila follow uo, semedang tgh proses and the officer is not around. Last2 fed up tunggu, hantar kat FI lain. Tapi ada dealer kereta kata BMW credit ni senang lulus loan. Tak tau le...

airyfairy · Post time 14-4-2008 04:34 PM

a ah, dealer cakap senang gak.tp mahal sket la sebab max 7 years..xleh 9 years

JERONG_GERGASI · Post time 14-4-2008 04:50 PM

BMW KREDIT a.k.a AH LONG kaaaaaaaa...???????

tuah_r · Post time 14-4-2008 04:58 PM

tuan rumah..sekadar bertanya...ok ker byr rm650 per month utk kete? rm757 sanggup lagi ker?

nak tanye gaji tak boleh plak...

airyfairy · Post time 14-4-2008 04:58 PM

ah long??

betul ke????

airyfairy · Post time 14-4-2008 05:02 PM

insyaAllah..still mampu kot...

tp tu la, nk tnye pndapat, ok ke x loan camni..haha..pening2...

bettyboops · Post time 14-4-2008 05:06 PM

u penah dgr aeon credit tak..?? bmw credit/toyota credit/bla bla bla credit.. tu semua samalah function dia..

lagi satu u tanya banding bayar 9 tahun dgn 7 tahun.. berbaloi ke takkan.. yg itu u je yg boleh jawab sebab u sorang je yg tau u mampu bayar berapa byk.. rasanya kalu u buat loan whether 7 or 9 years kat commercial bank, rasanya amount dia lebih kurang.. n 2.8% interest tu mmg quite low..

** just my 2 cents**

airyfairy · Post time 14-4-2008 05:15 PM

ok..thanx..yupe. agree 2.8 interest tu mmg quite low...just nak tau, anybody yg penag beli getz, if 0 downpayment, monthly 757 tu mmg ok or mahal..?

meow_tompok · Post time 14-4-2008 05:52 PM

masa meow survey matrix, salesman ade ckp dengan meow
bmw credit nie under sime darby. inokom products pun under sime darby kan.

tapi kenapa you punye interest rate 2.8% erk?
sbb meow tengok kat sini die kasik 1.88% utk 7 years + 10% downpayment. Cuba u check kat showroom lain.

2.8% tu bagi meow kira mahal la, sbb kalau apply kat CIMB atau Public Bank die punye rate dlm 2.45% - 2.6% aje.

meow_tompok · Post time 14-4-2008 05:55 PM

pasal berbaloi tak bayar RM757 tu terpulang pada diri you sendiri.

mcm meow apply loan utk kereta sampai 9 years. Sbb nak bayar utk 7 years, mmg meow mampu nak bayar kereta sampai 1k sebulan pun meow mampu, cuma ada beberapa benda yg akan membuatkan meow tak mampu yakni savings terusik dan saving tak terusik dan credit meow utk buat loan lain akan terbantut.

so tepuk dada tanya selera.

survey dulu kat showroom lain yea.

airyfairy · Post time 14-4-2008 06:13 PM

ACTUALLY I DH BOOK SEMUA NI NGN DEALER TU, AND DAH BAYAR BOOKING FEE RM500..SO YG SANGKUT SKANG NI LOAN, BUT BMW CREDIT NI SEEMS OK KOT, MCM DH NK APPROVE MY LOAN, I ADA GAK MCM NK CARI DEALER LAIN TP TU LA, BOOKING FEE SURE HANCUS NYER..HAHA...

kuchenta_81 · Post time 14-4-2008 06:25 PM

aku ingatkan staff sime je dapat offer dr BMW credit nih
tapi kat sini kita org kena beli kete under bmw, umw or hyundai sahaja
kete brand lain tak boleh

nanti ku siasat

airyfairy · Post time 14-4-2008 06:29 PM

a ah..i mmg amik hyundai but inokom...ad agak dgr, BMW ni untuk BMW UMW and Hyundai..lain2 xtau la plak...

kuchenta_81 · Post time 14-4-2008 06:33 PM

Originally posted by airyfairy at 14-4-2008 06:29 PM
a ah..i mmg amik hyundai but inokom...ad agak dgr, BMW ni untuk BMW UMW and Hyundai..lain2 xtau la plak...

ye kut
sebab ari tu ada staff promotion tapi biasalah BMW, UMW, Hyundai saja
nak BMW, takut gaji tak lepas even ada staff price (pas diskaun pun tak lepas lagik)

nak UMW takde choice selain Toyota Vios
Hyundai? langsung takde pilihan

tunggulah next promotion kut kut ada lagik

nanti me check pasal credit tuh

meow_tompok · Post time 15-4-2008 10:12 AM

pasal booking fee tu takkan hangus.
sbb meow pernah buat surat utk satu member opis kat sini
mintak balik duit deposit yg die dah bayar tempoh hari
sbbkan loan die tak approved.

eh, tapi u punye loan still dlm proses kan?

meow_tompok · Post time 15-4-2008 10:13 AM

boleh la tu. confirmed bole.
die offer kat semua customer yg dtg kat showroom hyundai, even nak beli inokom sekalipun.

kuchenta_81 · Post time 15-4-2008 10:28 AM

Originally posted by meow_tompok at 15-4-2008 10:13 AM
boleh la tu. confirmed bole.
die offer kat semua customer yg dtg kat showroom hyundai, even nak beli inokom sekalipun.

ye ke? yang ni saya tak tau pulak
sebab tak penah pi showroom just dapat newsletter jek
kena tunggu next promotion la sebab dah lepas

diskaun ada tapi tak banyak pun, less 3, 4 ribu jek
cuma interest rate memang rendah la

selain dari BMW credit ni, Maybank pun ada offer jugak sama sepertinya

airyfairy · Post time 15-4-2008 07:11 PM

a ah..still dalam process..

airyfairy · Post time 15-4-2008 07:12 PM

case loan x approve mmg deposit bleh amik balik eh??? did ask few frens, ada yg cakap hangus, ada gak yg cakap bleh mintak balik sebab loan yg x approve bukan kita yg sendiri nak cancel.