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Pinjaman Kereta 2013 Terus Diperketatkan? Maksimum 7 Tahun Sahaja.
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baguslah BNM thighten the rulling to 7 years ajek.
lagi pendek lagik bagus.
nak watper loan panjang2? mengkayakan bank yg sudah tersedia kaya ajek.....
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aku mula kerja tahun 1997 ,jalan kaki dan guna pengangkutan awam hampir 3 tahun,lepas tu baru beli motor.jatuh dan kemalangan motorsikal dah 3 kali,yg lastu tu sampai masuk wad sebab tulang pelvis aku terbukak dan tak boleh jalan hampir 3 bulan.tahun ke 4 baru mula beli proton wira aeroback baru ,bulan bulan kena bayar hampir 7 tahun,dalam 6 tahun aku habiskan bayar dan hampir 8 tahun aku tak bayar duit bulanan kereta,dah hampir setahun rasanya kalau jalan jauh atau balik kampung anak anak dan keluarga merungut sebab sempitlah ,kereta tak de pickup,aircond tak sejuk la,tak sampai hati tengok keluarga tak suka bila jalan jauh maklumlah kereta dah macam sardin sebab anak dah 3 orang masuk kakak ipar yg duduk serumah dan juga org rumah memang sendat je kereta tu.
kalau kat atas jalan tu memang payah jumpa kereta proton yang lagi lama dari kereta aku,kalau ikutkan hati mahu je aku pakai kereta tu lg 10 tahun.
baru ni angkat la kereta second hand tapi yang selesa sikit dan agak besar jugak la dalam dia,bulanan masih sama tapi masa dia agak panjang sikit .
pada pendapat aku la,rasanya elok kerajaan panjangkan masa bayaran bulanan tu agar setiap rakyat dapat membeli kereta yang agak selesa sikit ,tak perlulah bila ada anak atau tambah keluarga kena tukar kereta selalu,kereta luar ni agak selesa dan dari aspek keselamatan agak tinggi.
tu pada pendapat aku la |
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Turunkan harga kereta dan pendekkan tempoh pinjaman - simple... |
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Bell posted on 1-8-2013 08:05 AM 
Turunkan harga kereta dan pendekkan tempoh pinjaman - simple...
yup setuju!!
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tina^^ posted on 1-8-2013 10:25 AM
tue Saga SV dah turun jadik 33k (with quality improved ada airbag bagai tue)
ooo...tanak saga ...
Tinggi lagi rega tu. Saga SV kalau takde duti excise, RM25,000 jer
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Bell posted on 1-8-2013 10:29 AM
Tinggi lagi rega tu. Saga SV kalau takde duti excise, RM25,000 jer
rakyat nie dah bagi betis nak peha pulak...
rega keta kat mesia walaupon 'mahal' as per claimed, tp cost of owning a car still cheap in the long run. lower interest rate at 2-4% ajek, with cheaper fuel price 0.61usd/littre.
kalau amek contoh negara lain, walaupon rega keta murah, tp financing cost derang tinggi. indonesia contoh, hire purchase interest rate circa 8%-12%. Fuel 1.22usd/l.
dalam economy kena ada balancing act, bahagian yg turun kena ada yg naik.
rakyat sanggup nak bayar interest kereta 10%?? sanggup?? boleh la kasik rega keta murah, tp int rate tinggi mcm negara2 lain.
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tina^^ posted on 1-8-2013 10:49 AM
rakyat nie dah bagi betis nak peha pulak...
rega keta kat mesia walaupon 'mahal' as per claimed ...
Yupp....you're right. Car ownership cost di malaysia memang murah. Kat Jepun, Hongkong kereta murah tp ownership cost boleh buat idung berdarah. Tp rakyat biasa la - kalau boleh semua ndak free..
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Bell posted on 1-8-2013 10:54 AM
Yupp....you're right. Car ownership cost di malaysia memang murah. Kat Jepun, Hongkong kereta mura ...
khennn??
paling2 mahal pon HP kat mesia nie 4% ajek....ngeri siyot nak bayar interest tinggi2 mcm negara lain. yg tue depa tamau amek kira. asek melalak nak keta murah ajek..... |
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tina^^ posted on 1-8-2013 11:02 AM
khennn??
paling2 mahal pon HP kat mesia nie 4% ajek....ngeri siyot nak bayar interest tinggi2 m ...
Rakyat malaysia pernah merasa era keta murah sebelum proton wujud. So diorg duk ulang cerita pasal era ini.......
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interest takmo turunkan lagi ker?   |
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anuwat cakap nak turun rega keta, tu yang semua 'saya pilihhhhh anuwat' |
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setuju! kurangkan budaya berhutang. |
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tina^^ posted on 1-8-2013 10:49 AM
rakyat nie dah bagi betis nak peha pulak...
rega keta kat mesia walaupon 'mahal' as per claimed ...
I think car ownership in mesia mahal...
Kalau ambik 2 kategori workers in Malaysia and UK (as comparison bet upper developing and developed nation)...senario amat berbeza..
Katale dia beli kete yang sama: satria neo
(1)say a starting bank officer in mesia gaji dalam 2500 sebulan, total price satria neo 58,000 ringgit, ambik loan 90 % for 5 yrs, int say 3.5%, mthly repayment is 1022/mth, which is 41% dari salary
tapi a starting bank officer in UK with salary 1500/mth.. buying satria neo 8500 pound, ambik loan 90% for 5 yrs, int about 6 %, mthly repayment only 166/mth, which is 11% dari salary...
Katale ambik loan yang sama say 30,000 ringgit vs 30,000 pound
(2) mthly repayment kat mesia kalau 5 thn with 90% borrowing and int rate 3.5% is 528.75..
mthly repayment kat UK with 5 yrs repayment with 90% borrowing and int rate at 6% is 585...
tapi in senario (2) ni kat mesia leh beli Saga FLX je..kat UK dah leh dapat BMW 3 series tu..
Yes fuel in developed countries is expensive, but their public transport is efficient, in fact takde kete pun takpe...sbb tu harga kete murah...
But in our country....u cannot move kalau takde kete...u are forced to buy a car at some point...so..ownership mana yg mahal?
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zafir posted on 2-8-2013 10:16 AM
I think car ownership in mesia mahal...
Kalau ambik 2 kategori workers in Malaysia and UK (as com ...
basis of comparison pon dah tak sama...
manaleh compare advanced economy country dgn developing Asean? Malaysia nie not even dalam emerging & developing companies just yet. baru dalam developing Asean ajek. so, its not apple to apple. mcm saga dgn bmw manaleh compare....tak setarap....tayar pon tak setarap nak compare 
kalau malaysia, compare le dengan negara asean yg lain..
malaysia, car loan interest is 2-4%, max 7 years, fuel 0.61usd/littre
myanmar, car loan interest is 24%, max 5 years. fuel 1.3usd/littre.
singapore, car loan interest xx%, max x years, fuel 1.67usd/littre
setiap 5 tahun ada scrapping policy. Average vehicle pricing in singapore compact : S$71,999- S$89,500, mid-size : S$81,999 - S$149,000, full size sedan : > S$150,000. pehtu keta2 tua tue siap kena road tax surcharge. kalau hok nie apply dkt mesia.....habeslaaaa.....wira2 >14 tahun on the road tue kena 50% of road tax surchage in addition to the roadtax. road tax singapore pon mahal...kereta 1.6cc dkt singapore its roadtax alone is circa S$350
Road Tax Surcharge (For Vehicles Over 10 Years)For vehicles more than 10 years old, a Road Tax Surcharge is payable in addition to the Road Tax.
| Age of Vehicle | Annual Road Tax Surcharge
| More than 10 years old
| 10% of Road Tax
| More than 11 years old
| 20% of Road Tax
| More than 12 years old
| 30% of Road Tax
| More than 13 years old
| 40% of Road Tax
| More than 14 years old
| 50% of Road Tax
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(source : http://www.lta.gov.sg/content/ltaweb/en/roads-and-motoring/owning-a-vehicle/costs-of)
Vietnam, car loan interest 12%-16%, max 7 years, fuel 1.20usd/littre. on top of the normal car loan interest they also imposed luxury tax / special consumtion tax 45-60%, road maintenance fee from US$8.50 p.m dan mcm mcm fee lagi, pening aku tgk berapa total rakyat dier kena bayar just to own a car....
Vietnam Cost of Car Ownership 1) import tax (72-82%); 2) luxury tax/special consumption tax (45-60%); 3) value-added tax - VAT (10%); 4) car registration fee (new car: 10-15%); 5) car ownership fee/license plate (just abolished from US$950-2,400 p.a.); 6) fuel fee gasoline @ US$1.20/litre and diesel @ US$1.05/litre (after including import tax and VAT); and 7) road maintenance fee (from US$8.50 p.m.).
(source : Analyst report)
rakyat mesia kena bersyukur banyak banyak okeh.....
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tina^^ posted on 2-8-2013 01:39 PM
basis of comparison pon dah tak sama...
manaleh compare advanced economy country dgn developing ...
yup agreed Tina.. if u compare with those nations mmg our country still the lowest...I compare with European nations sbb used to live there..so bila dah terbiasa keadaan kat sana...I rasa bit unfair on car price kat sini....hope our transport system is fast improving
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ni semua pasal ringgit adalah antara matawang terendah. coba jadik kuwait, KD 1.00 = RM11.00...amik ko, rega keta K5 takat KD 6,000.00 ja..bygkan kalo gaji sebulan KD 3,000 sebulan. boleh beli keta cash.
ni dgn thailand pon kalah.....singapore apalah lagi. |
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kalau kita kerja dekat kuwait lah..confirm ramai pakai merc bali mesia..haha |
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kalau kita kerja dekat kuwait lah..confirm ramai pakai merc bali mesia..haha |
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Post time 31-7-2013 04:35 PM
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