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  • NEW CAR LOAN WITH NEW REQUIREMENT SOON? YOUR OPINION? – PINJAMAN BANK BELI KERETA BARU

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    New car loan requirement will be more strict than current regulation set by Bank Negara Malaysia. Soon, from what we heard it is maybe next month, all banks in Malaysia will implement new rules and minimum requirement for new car hire purchase loan.

    NEW CAR LOAN WITH NEW REQUIREMENT SOON! YOUR OPINION? – PINJAMAN BANK BELI KERETA BARU

    The maximum period of car hire purchase is 7 years instead of 9 years and the minimum downpayment or deposit is 20% which will translate to lesser total loan given.

    Lets do the calculation. For a Proton saga SV monthly payment before and after new rules implementation.

    Price range at around RM33K
    Interest rate around 3.5% per year
    10% downpayment RM3300 : monthly payment RM361.63
    20% downpayment RM6600: monthly payment RM391.29

    Monthly payment per month will be a bit higher but the good part, you will finish up paying in 7 years only.

    What is your opinion guys?

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