This topic may be one of the hottest issue during economic downturn right now. The main question here is “should i buy a new or 2nd hand or just sambung bayar (continue payment) during this economical crisis?” Patut ke kita beli kereta sekarang?
The answer is highly dependant to yourself. If you have a strong income and not really related to economical crisis, well this is absolutely the very best time for you to buy a new car seriously. Because all the interest rate are going super super low coz bank want to attract customer more and the Car seller offer so much free gift and crazy car promotion. Yes! It is the right time to buy a new car!
But if you have not stable income, you may want to consider again on buying a new car. Maybe you can proceed to just buy a second hand car or continue payment (sambung bayar) which is i think not too bad and not give you a burden to pay high monthly payment of new car instead.
Second hand car is quite a good choice if you found a very good deal and good car. But the interest rate is higher which is approximately 3%-5% per year for 5 years car loan up to 9 years of loan. For a car older than 5 years may reach until 5%-7% interest rate up to 5 years only for second hand used car.
Due to high interest rate of second hand car and maybe some of us cannot pass to apply loan because of blacklisted, under 21 with no guarantor and some other reason, you may consider to buy a car for continue payment. Meaning that the car owner that cannot pay for his car will offer anyone who are willing to pay for his car until the payment period end to the bank. Before buy using sambung bayar (continue payment) system, you need to sign an agreement which stated that you have the rights on the car after you settled all the payment to the bank and you can change the ownership of the car to yours. Usually, the original owner will ask some amount of deposit and you can have the car after the agreement.
Below i want to share some of the latest crazy car promotion as a guide for you to choose a car:
A GREAT TIME TO BUY A NEW CAR? – LATEST CRAZY CAR PROMOTION – NEW, SECOND HAND & CONTINUE PAYMENT (SAMBUNG BAYAR)?
TOYOTA VIOS PRICE, INSTALLMENT, PROMOTION
Low Interest Rate 1.68%
Free Road Tax
Lucky Draw F1 Tickets
New Toyota Vios 1.5 2009 ( Unregistered)
Vios J Spec rm73,525 mthly rm719 (9yrs)
*Low Intrest rate
*Special` Hidden Rebate`
*Free Gift & Lucky Draw
*3yrs Warranty / 100,000km
monthly payment rm774
Toyota Vios 1.5J Manual & Auto (Baru)
Harga o.t.r RM69,845 (manual), RM73,525 (Auto)
Duit Muka rendah,
Interest rate terendah dari 1.6x% ATAU
Rebet tunai RMxxxx ATAU
Insurans kereta PERCUMA setahun.
Bayaran Bulanan dari RM690 (108 mth).
Gaji RM1800 ke atas layak memohon pinjaman tanpa penjamin.
Toyota vios tahun2008 sambung bayar -08
Price: RM 15 000 Reg. year: 2008 Mileage: 15 000 – 19 999
toyota vios tahun2008 auto,bulanan rm9xx,downpayment rm15k
SUZUKI SWIFT PRICE AND PROMOTION
-1.5 CKD On-the-road Price With Insurance 73,788.00
-STEERING WHEEL INTEGRATED AUDIO CONTROL
-ELECTRIC CONTROL POWER STERING
-FOLDABLE REAR SEATBACK
-KEYLESS ENTRY & START
-AUTO RETRACTABLE WITH SIDE MIRRORS WITH SIGNAL
-DOWNPAYMENT ONLY RM500.00 FOR OLD MODEL
-DOWNPAYMENT ONLY RM2188.00 FOR NEW MODEL
-MONTHLY RM8++.++ FOR 9 YEARS
-HAVE ALL COLOURS
-3S SERVISE CENTER
-SERVISE BASE ON BOOKING
-IF YOU WANT CAN CALL ME OR SMS….
SUZUKI SWIFT -SAMBUNG BAYAR
WARNA PUTIH, BULANAN RM1200, D/PAYMENT RM 20K
Second hand Used Suzuki Swift
RM 52 800 Reg. year: 2005 Mileage: 50 000 – 54 999
MONTHY RM 608 X 9 YEARS.
NEW HONDA CITY
RM 500 INSTANT CASH DISCOUNT on the Honda City 2009.
Discounted price would be:
Grade S – RM 84,480 (Retail price at RM 84,980)
Grade E – RM 89,480 (Retail price at RM 89,980)
This offer only valid for those who place their booking from now until 30 June 2009.
Lowest interest rate as low as 2.95% and highest trade-in value for your second-hand car.
Hyundai accent 1.6(A) CVVT -09
Price: RM 69 988 Reg. year: 2009 Mileage: 0 – 4 999
* Low downpayment
* Interest rate 2.5%
* up to 9 yrs loan
* Fast loan approval
* Fast Delivary
* Low fuel Consumption
* Door 2 door Sales
* Test drive available
* Warranty 3 years / 100,000km
* Free 2 years service / 50,000km
Monthly payment of Hyundai accent RM793
* Auto door lock
* leather seats
* Speaking Reverse sensor
* 24 hours service assistance
* Car replacement scheme
* Free roadside repair RM 300 or distance 300km
* MP3 player with thumbdrive fuctions
* Free Hyundai Umbrella
Hyundai Accent Corazon 1.5
brand new .hyundai accent 1.5/.. power steering ,central lock,power window,sport rim.,speciel for government servant …and all 12 years full loan ..monthly instament rm 596..free 1st 3 month instament ..accept black list,easy process
Hyundai accent Manual untuk disambung bayar.
Reg. year: 2005 Mileage: 120 000 – 129 999
Dokumen perjanjian antara penyambung bayar dgn pemilik asal disediakan
- bulanan RM693 (due 2 bulan)
- downpayment RM5000
PERODUA MYVI PRICE & PROMOTION
Pinjaman secara Islam
Interest dari 3.6%
Pinjaman 10 tahun**
Trade in diterima
Perodua Myvi SE Pricing
~ 1.3 MT Metallic = RM50,400
~ 90% Loan = RM45,300
~ 10% Downpayment = RM5,100
~ Monthly 9 Yrs @ 3.65% = RM558
~ “Cabutan Bertuah” RM5,000 Every Week For 2 Winners
~ Interest Rate As Low From *3.65%
~ Islamic Loan:MAYBANK,PUBLIC BANK,RHB,AMBANK
~ 100% Loan For GOVERNMENT/GLC/GRADUATE
~ Warranty 6 Years
~ Trade In Accepted
PROTON PERSONA SE
O.T.R RM 59800
LoaN maximum RM 59100
downpayment RM 994
Persona Monthly payment RM 744
FIRST AID KIT
BODYKIT & SPORT RIM
LOAN PROCESS 5 DAYS
CAR WAITING 5 DAYS
REGISTRATION 4 DAYS
NEW PROTON PERSONA IAFM
Price: RM 45 499 Reg. year: 2009 Mileage: 0 – 4 999
NEW PROTON PERSONA
* 100% loan available
* Ready stock
* High Trade-In Value
* Low Interest% 3.6%
* Fast loan approval
* 5 Years extended warranty or 175,000km
* Graduate Schemes available
* Government Schemes available (100% loan for all model)
* Monthly payment RM555
NEW PROTON SAGA BLM FULL SPEC
INTEREST RATE: 3.65%(7YRS AND 9YRS)
FAST BANK APPROVAL
DOOR TO DOOR SERVICE(KLANG VALLEY)
TRADE IN ACCEPTED
EXCHANGE PROGRAM: RM5000
NISSAN GRAND LIVINA
*Full Full loan!
*No down payment
*BLACKLISTED GOVERNMENT SERVANT QUALIFY TO APPLY UP TO 12 YRS (hurry while quota not yet full)
*1 to 3 days approval
*Booking only after loan approved
*Premium gift / discount
*Accept trade in
*Free car Evaluation
fax over your IC, LICENSE, 3MONTH PAYSLIP
Premium gift ~ V-kool armocoat/ V-kool gold dust/ Leather Seat / Impul aerokit set / Air master aerokit set / DVD player / Reverse senser / GPS navigator system / and more to choose.
1.6 RM 82K LOAN RM 84K MONTHLY RM 899
GET CASH REFUND RM 2K..
1.8 RM 96K LOAN RM 98K MONTHLY RM 1099
GET CASH REFUND RM 2K…
DUAL AIRBAGS,ABS,15″ ALLOY RIM,,REVERSE SENSOR,RADIO CD PLAYER MP3..
100% FULL LOAN,ZERO DOWN PAYMENT..
INTEREST 2.88% UP TO 9 YEARS..
FAST APPROVAL AND DELIVERY..
HIGH TRADE IN,READY STOCK,ANY COLOR..
DOOR TO DOOR SERVICE..
FREE TINTED /PETROL VOUCHER/SMART TAG/ETC..
Second Hand Grand Livina
Nissan grand livina 1.6(A ) -08
Price: RM 77 000 Reg. year: 2008 Mileage: 20 000 – 24 999
~SPEC: nissan grand livina 1.6(A )
~Car Price :rm77000
~bank loan :rm72000
~installment :rm882 month(3.6%)
BRAND NEW CHANA ERA CM8 MPV 1.3EFI(M) CKD 7SEATER
* japanese technology engie (4 CYLINDER IN LINE 16 VALVE EFI,ALUMINIUM ALLOY)
* advanced ABS+EBD
* electronic power steering (EPS)
* power window & cd player & sprot rims
* very low consumption
* high illumination instrument panel
* 3 years warranty or 100,000km
* RM38,888 ON THE ROAD WITH INSURANCE
* FULL LOAN 2.8% 9 YEARS = chana era monthly payment RM 400
I hope we can discuss more on this matter at the comment area below. What is your opinion? Please share with us.