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dilemma zero downpayment

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Post time 18-6-2013 09:45 AM | Show all posts |Read mode
Salam forumers

Nak tanya sikit.
Baru baru ni aku ada buat loan untuk kete Viva zero d'pymnt. (kereta ketiga)
Salesmen kata paper dah submit kat bank2.
Submit pagi semalam, petang bank islam dah call.
Bla bla bla.. pihak bank tanya, bawak rm1600 untuk insurance then sain aggreement.
Perlu ke aku tunggu untuk bank lain?
Siyesly, aku memang nak yang zero d'pyment.
Ke.. bank lain sama je?
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Post time 18-6-2013 10:30 AM | Show all posts
kalo gen move ke bod kete nak tak?? sana ramai yang tau psl hal neh kot
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 Author| Post time 18-6-2013 10:39 AM | Show all posts
genchi posted on 18-6-2013 10:30 AM
kalo gen move ke bod kete nak tak?? sana ramai yang tau psl hal neh kot

Bolehlah Gen. Trimas
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Post time 18-6-2013 10:40 AM | Show all posts
SereneSerenade posted on 18-6-2013 10:39 AM
Bolehlah Gen. Trimas

orait sama2
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Post time 18-6-2013 10:50 AM | Show all posts
setahu aku insuran dgn rodtek memang kena byr cash....
ada ke bank yg boleh masukkan Insuran & Rodtek dlm loan?
ni kena tanya @Sagoo dia pegawai bank
  
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 Author| Post time 18-6-2013 01:20 PM | Show all posts
zulka posted on 18-6-2013 10:50 AM
setahu aku insuran dgn rodtek memang kena byr cash....
ada ke bank yg boleh masukkan Insuran & Rodt ...

Salesmn kata dua menda alah tu on the road.
maksud dia apa eh?
Dulu masa beli first n seken car ada d'pyment.  tu pun dah bertahun.
Sebab tu aku maleh nak deal dengan kete zero d'pyment ni.
mohon penjelasan dari otai2.

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Post time 18-6-2013 01:27 PM | Show all posts
SereneSerenade posted on 18-6-2013 01:20 PM
Salesmn kata dua menda alah tu on the road.
maksud dia apa eh?
Dulu masa beli first n seken car  ...

kalu keta baru meme insurance nga roadtax kena bayar cash duit sendiri..keta 2nd boleh masuk dalam loan utk insurance nga roadtax aka rega on da road
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 Author| Post time 18-6-2013 01:43 PM | Show all posts
xpdckelate posted on 18-6-2013 01:27 PM
kalu keta baru meme insurance nga roadtax kena bayar cash duit sendiri..keta 2nd boleh masuk dalam ...

Maknanya tak adalah betul-betul zero payment.
Hanya duit muka je yang tak payah bayo.
yang lain kena sediakan jugaklah eh?





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Post time 18-6-2013 02:12 PM | Show all posts
SereneSerenade posted on 18-6-2013 01:20 PM
Salesmn kata dua menda alah tu on the road.
maksud dia apa eh?
Dulu masa beli first n seken car  ...

betul la..insuran dgn rodtek tu tak termasuk dlm loan
so kena bayar cash...

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Post time 18-6-2013 02:14 PM | Show all posts
sepatutnya awak kena cakap dgn salesman tu awal2, minta dia submitt loan cover duit insuran dgn rodtek sekali...
so then salesman tu boleh upkan sket loan utk cover insuran dgn rodtek.....

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Post time 18-6-2013 02:18 PM | Show all posts
akan dimergekan dgn thread yg sedia ada..
Last edited by zulka on 18-6-2013 02:20 PM

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 Author| Post time 18-6-2013 02:19 PM | Show all posts
*geleng kepala jap.

takpelah. at least dapat jugak tau sikit2 pasal zero dp ni. Huuu.
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Post time 18-6-2013 02:45 PM | Show all posts
aik kete baru yg OTR price tu kan ke sekali insuran..kalau full laon biasenye kaver sekali insuran dgn rodtax.

kalau loan aprove sign terus ambik kete
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 Author| Post time 18-6-2013 02:51 PM | Show all posts
maleo posted on 18-6-2013 02:45 PM
aik kete baru yg OTR price tu kan ke sekali insuran..kalau full laon biasenye kaver sekali insuran d ...

yang salesman cakap cam tu lerr..
pihak bank pon dah kol semalam, 100% loan tapi beliau suruh bawak rm1600 untuk insuran ape lagi tah + sign aggreement.
tu yang terpening jap.
Sama ada nak proceed je dengan bank islam ni ataupun tunggu tawaran bank lain?
kalau tunggu bank lain ada jugak kes rm1600 tu ke?


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Post time 18-6-2013 02:51 PM | Show all posts
zulka posted on 18-6-2013 02:18 PM
akan dimergekan dgn thread yg sedia ada..

rsnya mcm trak boleh merge ni bro....cer cek kat BOD MOD pasal announcement oleh admin...
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Post time 18-6-2013 02:51 PM | Show all posts
maleo posted on 18-6-2013 02:45 PM
aik kete baru yg OTR price tu kan ke sekali insuran..kalau full laon biasenye kaver sekali insuran d ...

full loan tidak termasuk insuran dan cukai jalan...

bagaimanapun masih ada salesman yg buat bg boleh cover semua - dgn syarat beli pakej basic tapi harga premium dgn semua aksesori... dulu mmg byk cenggini... skrg wallahualam....

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Post time 18-6-2013 02:53 PM | Show all posts
medangmru posted on 18-6-2013 02:51 PM
rsnya mcm trak boleh merge ni bro....cer cek kat BOD MOD pasal announcement oleh admin...

patutla..
gigih mencuba...
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Post time 18-6-2013 02:57 PM | Show all posts
zulka posted on 18-6-2013 02:53 PM
patutla..
gigih mencuba...

butang merge tu ada tak????
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Post time 18-6-2013 02:58 PM | Show all posts
zulka posted on 18-6-2013 02:53 PM
patutla..
gigih mencuba...

kalo takleh tu lock je 1 thread.....

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Post time 18-6-2013 03:07 PM | Show all posts
ryo_takahashi1 posted on 18-6-2013 02:51 PM
full loan tidak termasuk insuran dan cukai jalan...

bagaimanapun masih ada salesman yg buat bg  ...

oo yeke

sbb baru smlm g tgk saga sv tu salesman tu kate sekupang pun x pyh byr..mgkin dia submit loan utk full spec kot.

ade satu soalan..duit lebih loan tu dia bg balik x
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