New Civic FL Discount

nickken · Veteran Joined: 16 Jan 2008 Posts: 414

drbrain, you said it right....very excited after u ve booked it. Well de nearer de date comes, de more tossing/turning before u sleep...hahah thinking of de car man....u will get around it bro...but sometimes de waiting period can be a torture, not only girls ...so happy waiting and best of luck to you to recieve a "good" car .

adornis · Amateur Joined: 23 Feb 2008 Posts: 147 Location: KL

i will also have to wait till June...
yes..sleepless nites:)

drbrain · Posted: Mon Apr 27, 2009 5:22 pm Post subject:

nickken, you are right. Cool

I'm still waiting for the loan confirmation from bank, hopefully still can get 2.xx%, if 3.xx%, I will faint. Crying or Very sad

drbrain · Posted: Tue Apr 28, 2009 11:34 am Post subject:

bank just called, 2.33%
next week this bank also increase to 3.xx%, who want to buy FL, better do it now.

maggie · Newbie Joined: 04 May 2009 Posts: 2

actually i'm quite feeling bad for SA, cos they might need to sacrifice their hard earn commission to fight the target. Stand in customer's shoes,everybody wish to get a good deal.But if we try to put ourselves in SA position,are u happy if customer keep asking u for discount and free gift?As a business person i will feel sad for tat.In this era,car buying process is very open already,actually customer no need to afraid being cheated by car dealer.Since exist of so much of competition,car dealers are trying to convert their sales oriented business to service orieted business.Good Service come from heart is priceless,i thk so..but still depend on ppl's mindset.

devinz · Posted: Mon May 04, 2009 2:56 pm Post subject:

maggie wrote:

actually i'm quite feeling bad for SA, cos they might need to sacrifice their hard earn commission to fight the target. Stand in customer's shoes,everybody wish to get a good deal.But if we try to put ourselves in SA position,are u happy if customer keep asking u for discount and free gift?As a business person i will feel sad for tat.In this era,car buying process is very open already,actually customer no need to afraid being cheated by car dealer.Since exist of so much of competition,car dealers are trying to convert their sales oriented business to service orieted business.Good Service come from heart is priceless,i thk so..but still depend on ppl's mindset.

Really agree with what mentioned here. As i always mentioned, to me discount is one time thingy, good services are long term and priceless... Cool

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drbrain · Posted: Mon May 04, 2009 4:33 pm Post subject:

maggie wrote:

actually i'm quite feeling bad for SA, cos they might need to sacrifice their hard earn commission to fight the target. Stand in customer's shoes,everybody wish to get a good deal.But if we try to put ourselves in SA position,are u happy if customer keep asking u for discount and free gift?As a business person i will feel sad for tat.In this era,car buying process is very open already,actually customer no need to afraid being cheated by car dealer.Since exist of so much of competition,car dealers are trying to convert their sales oriented business to service orieted business.Good Service come from heart is priceless,i thk so..but still depend on ppl's mindset.

But this is consumer right, "cheap" & "nice", every single dollar of saving count, but of course I pick for service too. Lack of either one, no deal. Wink

arayko · Newbie Joined: 02 Apr 2009 Posts: 16

just rang to sa..
interest from 3.5% for 9 years, 3.4% for less than 7 years

not the right time to book for non-national asset Sad

bernard79 · Veteran Joined: 21 Jun 2007 Posts: 321 Location: KL

wow.. there is big increase though! imaging 3.5 %- 2.3 % = 1.2 % x 7 years which equals to 8.4% over the tenure... presumably, loan for 100k, then you have to fork out extra 8.4K....... the interest really killing us!!

diya · Amateur Joined: 18 Mar 2009 Posts: 135 Location: Puchong

arayko wrote:

just rang to sa..
interest from 3.5% for 9 years, 3.4% for less than 7 years

not the right time to book for non-national asset Sad

yup i agree...

faiz_ivtec · Posted: Thu Jun 18, 2009 12:09 am Post subject:

There is a way to avoid high interest rate, which is you apply loan using company's loan..because company is giving loan based on interest rate vs. the current remaining balance per year..whereas the conventional bank is giving loan based on interest rate vs.flat rate for the whole 7/9 years or loan period..

However, there is a contrain when you want to apply company's loan such as:- amount of loan is limited (some only up to 90K only) depending on that company loan policy..

drbrain · Posted: Thu Jun 18, 2009 5:32 pm Post subject:

faiz_ivtec wrote:

There is a way to avoid high interest rate, which is you apply loan using company's loan..because company is giving loan based on interest rate vs. the current remaining balance per year..whereas the conventional bank is giving loan based on interest rate vs.flat rate for the whole 7/9 years or loan period..

However, there is a contrain when you want to apply company's loan such as:- amount of loan is limited (some only up to 90K only) depending on that company loan policy..

Didn't know got such trick, but anyway, I can't use it as I don't own any company Wink

diya · Amateur Joined: 18 Mar 2009 Posts: 135 Location: Puchong

faiz_ivtec wrote:

There is a way to avoid high interest rate, which is you apply loan using company's loan..because company is giving loan based on interest rate vs. the current remaining balance per year..whereas the conventional bank is giving loan based on interest rate vs.flat rate for the whole 7/9 years or loan period..

However, there is a contrain when you want to apply company's loan such as:- amount of loan is limited (some only up to 90K only) depending on that company loan policy..

how i wish my company subsidise the interest...so i only pay the principal...had this before...but after the another company bought over my company all the benefits gone... Brick wall

numbertwo · Newbie Joined: 27 Mar 2009 Posts: 23

which bank that offer 3.4%?? My loan with PB only 2 years tenure and the rate is 3.25.

btw..anyone wants to book a FL and expect better discount (500 or more), you may PM me and I'll give your my SA's contact. In KL area though.

arayko · Newbie Joined: 02 Apr 2009 Posts: 16

numbertwo wrote:

which bank that offer 3.4%?? My loan with PB only 2 years tenure and the rate is 3.25.

btw..anyone wants to book a FL and expect better discount (500 or more), you may PM me and I'll give your my SA's contact. In KL area though.

Last 2 month, i got the info from SA about PB with 3.4%. In add, what would be the current rebate/discount package now?
Anyone?

From what i asked, they seems ONLY 1k discount during this high interest moments.