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
Special Promotion
Low Interest Rate 1.68%
Low Downpayment
Fast Delivery
Free Insurance
Free Road Tax
Cash Rebate
Best Offer!!!!
Lucky Draw F1 Tickets
Free Voucher
New Toyota Vios 1.5 2009 ( Unregistered)
Vios J Spec rm73,525 mthly rm719 (9yrs)
*Low Downpayment
*Low Intrest rate
*Special` Hidden Rebate`
*Free Gift & Lucky Draw
*Fast Approval
*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
-AUTO TRANSMISSION
-STEERING WHEEL INTEGRATED AUDIO CONTROL
-ELECTRIC CONTROL POWER STERING
-AUDIO SYSTEM
-FOLDABLE REAR SEATBACK
-KEYLESS ENTRY & START
-AUTO RETRACTABLE WITH SIDE MIRRORS WITH SIGNAL
-SRS AIRBAG
-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
Package:
* 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
* ABS
* 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**
Penghantaran cepat
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
Attractive Promotion
~ “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
9 YEARS
INTEREST 3.60%
COIL MALT
DOOR VISOR
FIRST AID KIT
NAVIGATOR SYSTEM
REAR SPOILER
SAFETINT PERFORMANCE
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
LOAN:RM37300
DOWNPAYMENT:RM4198
INTEREST RATE: 3.65%(7YRS AND 9YRS)
Saga INSTALLMENT:
RM557(7YRS) /
RM459(9YRS)
READY STOCK
FAST DELIVERY
FAST BANK APPROVAL
DOOR TO DOOR SERVICE(KLANG VALLEY)
TRADE IN ACCEPTED
EXCHANGE PROGRAM: RM5000
NISSAN GRAND LIVINA
*Full Full loan!
*Interest 2.4
*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
*Ready stock
*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.
Want’s to buy a mpv this year, just wait for perodua and proton mpv. dont want to rush, just wait and see.
Hi, im interested with the promotions. :) can i have your contact details please? your email or your phone number. :) sorry, i cant seem to find your contact details here.
im interested with the vios promotion? where n how to get? is it participate by all dealer in malaysia?
We just providing the info for latest car promotion. You can find the dealer anywhere online such as lelong.com.my and mudah.com.my
i’m interested with Grand Lavina. i’m work with goverment. how to contact you?
I wonder why the interest rates differ from different marques/distributors.
The vios promotion is great because of its lowest interest rate.
The other promotions are also a great offer with interest rate much lower than the government staff can get from the treasury department.
Is there a possibility that the rate will continue to slide down?
In the last economic downturn (1997) I bought a car with interest rate at >12%.
Today’s crisis is truly a blessing to car buyers.
I already bought a new car at 2.9%
How I wish I could buy another…
I’m interested in Grand Livina. How we go about it ?
Thank You
saya suka dengan grand livina tapi saya masih ada nissan serena yang ada lagi hutang dibank 2th 9 bulan. mcm mana boleh trade in ke klau mahu ambil grand livina?
II bought a Vios on the last day of last year (2008). I bought it for work purposes since my new workplace needed me to travel extensively.
But ever since I joined them, they have cut down on travel almost 90%. So over the past 4 months or so, my car has only travelled for 4,000 Km only.
I want to sell the car since I feel I can drive my wife’s car to and fro.
Let me know if anyone is interested in this… It still has RM1.5k of free maintenance left.
Now consumer can choice which promotion is the best to deal. I thing naza promotion cash rebate & vios 1.6% interest payment is the best deal. All the car manufacturing struggle due to economic crisis.
I do not know how to write in this forum. Yes, even though there are many offers now from various brand, I just would like to bring this out:
WE’RE A SLAVE TO OUR CAR-we people never realize that most of us were bound to our car financing for 7 years. Some even up to 10 years in the case of government servant! Some opt to change to a new car in the middle of financing after three years, some buying a second car while still servicing the loan for first car. Some change it because the Jones next door is having a brand new car. Some because of peer pressure. Some because of wife pressure! Some to impress their girlfriend. Etc, etc.
I am not discouraging any potential buyer out there, but we seriously need to think and do some math before we take a commitment for a new car. What you earn today might not be permanent for the next 5 years, 7 years. I’ve live through this harrowing experience to tell you guys.
This is my formula-before you splurge on anything.
Calculate your existing lifestyle and the amount of RM you needed to maintain it each month (wth a new car of course!)
Then set aside at least 12 to18 month buffer before start spending. Why? At least with the min 12 months buffer you can weather any financial tsunami and STILL be able to maintain your existing lifestyle, and you won’t have to force yourself to eat 50cents maggie mee everyday just to maintain your car.
Totally agreed with Niemans.. we need to weigh our pocket first not only to buy car but to all other stuffs. Cars depreciate value but houses appreciate values. Unless it is economical for u to change your car, yes pls..but otherwise, just maintain it. Save your monies for rainies days..
Saya tertarik dengan tawaran grand livina. macamana nak contact ?
Hello, i live in penang. I interested in Livina. But I have blaclist car from previous case kene tipu sambung bayar. Keje gomen. Can I make the loan? Please reply to me, thanks.
contact number tadak.. camne nak contact … ada yang nak ditanya lebih lanjut
Hello, i live in penang. I have blaclist car. Keje swasta. Can I make the loan? Please reply to me, thanks.
Rita, please go to JPJ to check under what offence your car is blacklisted.
hi there i wana sumbang kereta apa – apa model tapi nak auto downpayment boleh RM1500 and mthly can afford to pay RM500
Hai, nak tanye, Second hand Used Suzuki Swift tu ada lagi tak?
Kalau ada, kaler ape & berapa down payment?
Tq~
bole saya dapatkan no phone kedai yang buat promotion diatas bagi nissan grand livina dan toyota vios…KID pls help me…if u dont mind email me plz…
btl ke grand livina murah mcm tu..ambik full loan blh dpt monthly rm8rts lbh jek..mcm berminat jek
Macam ni punye promo, kita ni kerjanya berutang aje le.. Tak abis2.. Dapat gaji, bayo utang.. Diorang ni le yang kaya.. Ishh.. Promosi menarik plak tu.. Da bomb.. Boleh goyang iman tuu.. Tapi atok belum beruang lagi le, bukan jutawan, ribuwan pun bukan.. Ratuswan aje le kot?? Hehehe..
Hi, I am serious buyer looking for a car with low mileage, any models budget within 40 to 70K. May also consider if “sambung bayar” required
I am looking for ‘sambung bayar’ car with deposit below 5k.
Pls let me know if have…
,saya nak bli kete baru suzuki swift…masalahnya xda garantor so bank xnak approve loan…gaji saya RM3500 sebulan,saya keje swasta…ada sapa leh tolong x?….dah letih saya cuba cari..:(
I am looking for Hyundai elantra, MB C 200 or any other imported cars with sambung Bayar monthly payment less than RM1000 monthly. Willing to pay not more than 3000 down payment and location JB. If anyone interested to offer please contact me
tak da ka kereta suzuki swift atau satria neo dengan 0% down payment?
I 12 buy new toyota vios…can u send ur hp.no 2 me at ‘arsenal3381@yahoo.co.uk’
need to see the car. pls email me at ‘mr_yogie21@yahoo.com’ and dun forget to attach your phone no. tq
i looking for perdana turbo.. Price are low then 40k. I goverment servant and my location now is k.lumpur. my budget is lumpsum with guarantee..must hurry becoz i want put this car in magazine.. If anybody want to deal with me pls hurry.. Tq
hi there saya ada kia spectra, masih lagi ada loan kat bank 4 tahun, ada orang nak sambung bayar kah, kalau ada pls e-mail at ltanala@maxis.com.my….. tq
Pls contact me,I would like to buy Toyota Vios with lowest down payment & minimum requirement.I’m a gov servant ,working in KL High Court .I don’t want my monthly payment deducted from “Angkasa” (means I will bank in monthly).I have no license and no guarantor.Kindly advise,thanks!
hi. can i have ur number? wanna ask bout the suzuki swift. tq