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POLL : Berapa Tahun Loan Kereta Korang?

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Author: altimi       Show all posts   Read mode

Post time 20-11-2008 01:46 AM | Show all posts
adus... mana hang dapat gambir tu waksir
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Post time 21-11-2008 08:28 PM | Show all posts
Originally posted by zzcbr at 15-11-2008 08:33 AM
Merc c200k - cash
Stream rsz  - cash
GEN2 - Hutang @ 7 TAHUN


lua negara cash
buatan mesia hutang ye

aku yer 9 taun...
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Post time 29-11-2008 11:50 AM | Show all posts
7 tahun gak... ada setahun setengah lagi....
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Post time 29-11-2008 02:18 PM | Show all posts
kancil ku lagi 2 tahun lebih nak habis... buat loan 7 tahun... semalam asben g chek kat bank... balance ada lagi rm12,9++.++ huhuhuh... rasa kalau ada cash nak bayar abis jerk.... monthly rm425.00 tapi kita orang selalu bayar lebih rm450.00... anak aku yang kedua umur 5 tahun dah setel pun kereta tu... tu pun ada yang meracun suruh amik kereta baru.... huhuhuh
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Post time 29-11-2008 10:23 PM | Show all posts
hujung tahun ni abes bayar keta.....yahooo......
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Post time 29-11-2008 10:26 PM | Show all posts
6 tahun..mungkin tahun depan baru start bayar.
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Post time 30-11-2008 06:04 PM | Show all posts
Baru2 ni aku gi giant, ade lah pameran keta kia new spectra, loan dia 12 tahun tanpa paedah.. ada sapa2 nak komen x, kelebihan dan kekurangan ambik loan lama2 nih.. kenkonon lagi yang 12 tahun loan tu tanpa paedah..
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Post time 2-12-2008 04:36 PM | Show all posts

Reply #1 altimi's post

7 thun,.
lamenyerr..
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Post time 3-12-2008 01:43 AM | Show all posts
Ramainya ambik 9thn,ni mesti ramai forumer yg kerja gov ni


korang tak nyesal ke?
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Post time 16-12-2008 12:43 PM | Show all posts
Aku ambik 7 thn. Ok kot.
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Post time 16-12-2008 12:43 PM | Show all posts
Originally posted by gergasi at 3-12-2008 01:43 AM
Ramainya ambik 9thn,ni mesti ramai forumer yg kerja gov ni


korang tak nyesal ke?



keje gov je ke yang bleh amik 9 tahun?
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Post time 17-12-2008 10:09 AM | Show all posts
beli kancil cash.......2nd hand ler...
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Post time 18-12-2008 04:21 PM | Show all posts
Salam.. I'm a newbie here.. fresh grad baru nak beli kereta..
Pasal loan period, depends on individual nak pk camane..

E.g. let say kite ade RM50,000.. blh la beli MyVi cash kan? Try pk balik..
If letak RM50,000 tu kat ASB/ASW, dividend annually blh dpt 7% (ikut trend semasa, last 2-3 yrs)..
So, RM50,000 x 7% = RM3,500.. if 9 yrs (max loan period) dah RM31,500... tu blm masuk compunded interest lagi..

Now kite calculate total interest for the car. If amik 100% loan (no downpayment) with 3.5% interest rate..
kite byr RM608.80 per month..
http://www.autoworld.com.my/tools/loan_payment.asp
So total payment after year 9 is RM608.80 x 12 x 9 = RM65,750.40...
If tolak RM50,000 i.e. the cash price, so total interest paid will be RM15,750.40..

NOW, try compare dgn interest received from investment above (RM31,500 received dgn RM15,750.40 paid), kite dah untung lbh krg RM15,000.. BYK tuh..

If loan 0% interest, lg la bagus.. lagi lame loan period, lagi la bagus.. and plg penting, x terlibat dgn RIBA..

Semua yg di atas rasenye betul, provided RM50,000 tu simpan je xleh sentuh (kena byr zakat), and annual return around 7%..

If xbetul, pls tunjuk ajar..tq..
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Post time 19-12-2008 02:34 AM | Show all posts
aku wat loan ada 9thn...ada lagik 5thn nak abiskan gen2ferra aku tu.....wahhhhh lamenyer...... rase mcm da berbelas tahun je aku nek keta aku tu...huhu
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Post time 19-12-2008 09:58 AM | Show all posts
wat 7 tahun. nak buat 5 tahun aku tak mampu nak bayar monthly yang tinggi. kalau 5 tahun monthly RM1k. 7 tahun monthly RM700.
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Post time 22-12-2008 11:18 AM | Show all posts
saya taktau apa2 psl car loan..saya prefer beli cash..tak pening kepala
lagipun kereta 2nd hand jer..kalo kereta baru kena buat loan gak la kot.
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Post time 22-12-2008 04:39 PM | Show all posts
aku wat 9 tahun..

kawan aku amek BMW nak buat loan 7 tahun monthly 2.6k++..interest2.5%..
tapi bila pk balik dia wat 9 tahun..monthly 2.1k++..
jadi kalau loan 7 tahun, monthly cuma lebih RM500 kan..

ape kata yg RM500 tu, stat bulan pertama pakai, kita simpan selama 9 tahun.. bpe dah kita leh dapat?

lam masa yg sama kita ada saving, leh pakai kete..kalau 5 tahun pakai, then nak jual..masih untung lagi... duit saving tu kita leh wat byr loan kalau harga kete lagi rendah dr jumlah belen loan..
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Post time 22-12-2008 04:43 PM | Show all posts
laaa.. dabel post la pulak....
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Post time 23-12-2008 01:09 AM | Show all posts
aku dah pakai keta beberapa bijik, refinance pernah sekali, tapi tak dan habih bayar dah trade in buat down payment, tu belum campur kena tipu dealer keta lagi, banyak gak contibution aku kat automotive industry and banking system, tapi minat punya pasal layan.....

buat masa ni aku prefer 9 tahun, sbb nampak duit kluar bulanan kecik je....tapi bila tanya full settlement .....

pandai2 le .....

tapi korang pikir kalau gomen kita tak cukai lebih2 , harga boleh maintain, imagine new city 50k, jazz 70k, vios pun 50k, civic altis 80k, swift getz 35k, aku rasa perodua + proton habihhhhh.....
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Post time 24-12-2008 01:42 PM | Show all posts
kancil aku bln 11 taun dpn abis.....yeaaaaaaaa
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