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ayu_midori posted on 24-7-2013 10:11 AM 
saga tu ade lg 6thn..
aku pun tktau lg viva tu nk utang berapa thn..
asalkan tiap2 bulan duit ut ...
huhu lama lg le...kalo ko ade duit utk bayar 7k tu ok la (tu pun kalao kete ko laku 28k)
jual la cepat sblm harge saga tu jatuh lg merudum.
pki viva nanti jgn ngeluh xde ruang plak ye hehehe
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maleo posted on 24-7-2013 10:25 AM
huhu lama lg le...kalo ko ade duit utk bayar 7k tu ok la (tu pun kalao kete ko laku 28k)
jual la ...
ok, tgklah nnt mcmane..jual ke tak jual ke..syg aku kt kete tu..first car sejak ank dara..
tula yg aku risaukn jgk, haha dahla saga dulu pun tiapkali blk kg mesti penuh je kete..
tenkiu ats cdgn ko k.. |
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baby_pingu posted on 24-7-2013 08:14 AM
Maybank sekarang interest berapa?
SA ritu advise srh amik Public or Hong Leong...tp aku cam ...
Kalau tak silap 2.39 ...
RHB berapa?? Ambank berapa??
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ayu_midori posted on 24-7-2013 10:35 AM
ok, tgklah nnt mcmane..jual ke tak jual ke..syg aku kt kete tu..first car sejak ank dara..
tula ...
sorry tanya...husband pakai keta apa?
downgrade saga to viva esok ada anak kena ruang beso sket la salunyer. nak selesa sket, lg2 jalan jaoh. maklumla, taruk stroller ajek dah penuh bonet dan lain2 keperluan.
baby nie, orangnyer kecit, barangnya ya hampunnn banyak.
saga skang value berapa? i tgk promo saga baru RM33k. kena kira betol2 la kot berbaloi ke nak "give away" cash tue dkt bank utk donwgrade kereta?
aper2 pon, tahniah preggy!
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tina^^ posted on 24-7-2013 02:47 PM
sorry tanya...husband pakai keta apa?
downgrade saga to viva esok ada anak kena ruang beso sket l ...
husband pakai kancil..tuh pun selalu rosak jah... 
itulahhh...brg dia aje dh penuh seat blkg..bakul susunye lain..beg bajunye lain..pampersnye lain..
stroller, carseat, waduhhh sume space brg dia, makpaknye plk taruk ats bumbung la kalo blk ganu.
saga bru pn lg murah dari hutang loan yg i ade skrg. value skrg tktau ler below 28k kot..
btw u ckp mcm ni buat i realize sumthing, mungkin i perlu carik jalan lain instead of jual kereta tu..tak berbaloi pulak rsanye nak kurangkan payment kete dari rm500 to rm300 tapi byk mende perlu dikorbankn... tq! |
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ayu_midori posted on 24-7-2013 02:58 PM
husband pakai kancil..tuh pun selalu rosak jah...
itulahhh...brg dia aje dh penuh seat bl ...
it's really true..
aritu ade beli 2nd car...ambik viva sebab plan nya kereta 1st tu untuk weekend je..
viva ni kecik, stroller anak i tu tak muat lansunglah...kalau takde barang banyak ok la kot..
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yus262 posted on 24-7-2013 03:08 PM
it's really true..
aritu ade beli 2nd car...ambik viva sebab plan nya kereta 1st tu untuk weeke ...
mcm ni mmg cancel lah beli viva..
sebut pasal stroller baru tingat, i selalu bawa FIL checkup or kuar, pakai saga pun tak muat nk sumbat wheelchair dia kt bonet..kalo pakai viva nnt mane nk letak..huhu..
viva ni boleh pakai utk org bujang saje..takpun as 2nd car utk makpak yg ank2 nye dh skolah. |
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ayu_midori posted on 24-7-2013 03:15 PM
mcm ni mmg cancel lah beli viva..
sebut pasal stroller baru tingat, i selalu bawa FIL checkup o ...
sori la, bukan nak discourage u nak beli viva tu...i ckp based on experience..
tapi, best pakai sebab jimat minyak dan road tax, senang mencilok dan parking...hehehe
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ayu_midori posted on 24-7-2013 02:58 PM
husband pakai kancil..tuh pun selalu rosak jah...
itulahhh...brg dia aje dh penuh seat bl ...
kalau kira2 nak reduce commitment from 500 to 300 dgn bayar 7k cash dkt bank (kalau bank wiling nak amek 28k), is like u save RM200/month x 12 = RM2400/yr
RM7000/RM2400/yr = 2.9 years equivalent more less 3 tahun nyer payment
kereta hutang lagik berapa taun? 6 thun ek...
so, cash 7k nak sedekah dkt bank tue dah boleh buat payment loan separuh jalan. 3 yrs down the road
i think not worthy....and lagik, viva tue kecik nak bawak baby dan FIL yg berwheel chair.
instead of u nak downgrade kereta and sedekah cash dkt bank, perhaps u can consider carik additional income?
kena igt, viva 2nd hand vs saga baru u....i did not favor that viva 2nd hand given ur conditions top up lak kereta 2nd hand kancil husband yg selalu rosak tue. u need a good car for ur family.
i think u kena carik other alternative sbb sedekah 7k dkt bank tue mcm tak berbaloi.... |
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yus262 posted on 24-7-2013 03:32 PM
sori la, bukan nak discourage u nak beli viva tu...i ckp based on experience..
tapi, best pakai ...
hehe..takpe, lgpun pk2 blk dgn condition i yg bakal ade baby ni viva mmg tk sesuai..
nnt anak dh besor, or husband dpt tukar kete besar, bolehla amik viva as 2nd car...
mmg save minyak kan pkai viva ni..ni pun salah satu sbb juga i nk amik viva sblm ni |
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tina^^ posted on 24-7-2013 03:35 PM
kalau kira2 nak reduce commitment from 500 to 300 dgn bayar 7k cash dkt bank (kalau bank wiling na ...
yups.. posting u mmg buat i realized byk mende, i pun ade kira2 jgk n mmg tak berbaloi nk let go saga tu..
kena usahakan cara lain utk dpt additional income..
lagipun i pun nak baby n family i selesa..
thank u, rasanye sblm ni pk mcm tu sbb takut sgt tak cukup duit..
actually husband pun tak berapa bg i nak jual kereta tu tp sbb i mcm insist so dia diam je sbb kete tu kete i..
dia suggest i buat loan n buat bisnes, cume i ni zero knowledge psl bisnes, i rasa takut skit.. |
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ayu_midori posted on 24-7-2013 04:16 PM
yups.. posting u mmg buat i realized byk mende, i pun ade kira2 jgk n mmg tak berbaloi nk let go s ...
apa kata ko try refinance je keta saga ko tu..kalo nak kurang byr keta bulan2.
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Fariz07 posted on 24-7-2013 04:46 PM
apa kata ko try refinance je keta saga ko tu..kalo nak kurang byr keta bulan2.
refinance tu mcmane..sry aku tak tahu huhuhuhuhuuu |
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ayu_midori posted on 24-7-2013 04:54 PM
refinance tu mcmane..sry aku tak tahu huhuhuhuhuuu
cth nilai keta ko 28k
balance hutang loan keta skrg ni 35k.
ko buat loan keta baru 28k,
byr loan(hutang ketayg lama) kt bank 28k,balance lagi 7k ko kena byr cash bg settle loan yg lama.
jadi ko x rasa la rugi kalo ko byr 7k kt bank sbb keta tu jadi hak ko juga..
ko dpt keta yg sama tapi byr bulan rendah la sikit.xpyh ssh nak beli keta baru yg kecik sikit.
paham xni??aku pun xreti nak explain camna sbb bukan pandai sgt pun pasal refinance ni..
sapa2 yg pandai tlg explain jap..
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Fariz07 posted on 24-7-2013 05:02 PM
cth nilai keta ko 28k
balance hutang loan keta skrg ni 35k.
ko buat loan keta baru 28k,
ooo..takpe, takpe aku paham ko explain..
mcm tu ek..
nnt lah aku bincang blk dgn husband aku mcmane..mane yg dia rasa the best solution.. |
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ayu_midori posted on 24-7-2013 05:11 PM
ooo..takpe, takpe aku paham ko explain..
mcm tu ek..
nnt lah aku bincang blk dgn husband aku m ...
Ko jumpa pegawai bank, citer masalah ko pasal bayaran bulanan,
nanti dia akan suggest biasa jika refinance loan akan 9 tahun balik tapi bayaran bulanan rendah
tapi faedah tinggi,
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ayu_midori posted on 24-7-2013 05:11 PM
ooo..takpe, takpe aku paham ko explain..
mcm tu ek..
nnt lah aku bincang blk dgn husband aku m ...
aku pun thn depan anak nak masuk dua org dah..rasanya cam nk kena buat refinance juga keta skrg ni.sebulan rm650 rasa mcm tercekik gak kdg2.hehehe
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alifdalmim posted on 24-7-2013 12:19 PM
Kalau tak silap 2.39 ...
RHB berapa?? Ambank berapa??
tak sure RHB and Ambank berapa..pilih dua bank tuh just ingat nak convinience ja..
tp td SA advise ambik Affin jer.. 2.35
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kesimpulannye ukur kereta di slip gaji sendiri |
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vespa_oren posted on 24-7-2013 05:21 PM
Ko jumpa pegawai bank, citer masalah ko pasal bayaran bulanan,
nanti dia akan suggest biasa ji ...
baiklah... |
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Post time 24-7-2013 10:25 AM
