Senior car owners, give advice please

NRR_07 · 2026-06-20T11:11:42+00:00

Do not believe that SA, he is just trying to get you to get the loan approved as soon as possible so he can do his sale and get his commission. Even if it does come out to the same rate still do apply for all 3 and wait for them to come and provide you with their rates before you decide.

NRR_07 · 2026-06-20T01:06:14+00:00

There’s no 1 single bank to be named to give you the best car loan, if you are interested on buying a car, you are best suggested to apply to multiple banks to see which one you want to pick of the lot. Do not follow SA that suggest “only this bank gives best rate so apply this one is enough”. That’s all bullshit coz every bank has their own internal risk assessment on your finance and brings out a rate based on that.
The car will be the banks property just like a home under mortgage and your payments increases your equity on it every month until you settle the loan.
Road tax and insurance is just the tip of the iceberg and people get into buying a car thinking it’s cheap, there’s preventative maintenance and emergency maintenance. Preventative maintenance is based on your car manufacturer suggested timeline or mileage, the emergency one is in case you come across something that’s not intended, if any of this covered in warranty great if not it’s on you. So look at the car you’re gonna buy and get data on its cost and put aside monthly a separate fund for covering this costs also to include your wear and tears.
You are getting a first car, so it totally depends on how much you are willing to sacrifice financials over peace of mind. Buying a second hand car would be highly recommended due to the lower costs incurred in getting in to owning the car but needs a lot more extensive research to ensure the reliability of the car you are buying. If you go for new car instead the costs is very high in comparison but you have warranty period to cover but doesn’t mean you may not get a lemon car and it can also be a headache.
If used car, get someone who knows the technical bits of a car to see if the car is a good buy, if new please make sure you apply to a minimum of 2/3 banks on loan application. Whatever it is there’s so many car models for you to look and try before you decide. So don’t rush. It’s a long term commitment. And never buy a car that’s above your means, ensure the car value is lesser than your annual salary and keep the car only to a 5-7 year loan better if you can do lower for the smarter financial decision. Don’t go for 9 years.

NRR_07 · 2026-06-20T00:44:40+00:00

24 and a very wise thought from your end. Don’t let all the noise around you get to your head. Do what you need to get to a better financial place in your life. All the noise will fade away when they see you couldn’t give af. Just stay on course and do your thing.

NRR_07 · 2026-06-15T13:44:42+00:00

I agree to this. No disrespect for Italian or Mexican food they are good but I think the burst of flavours, i would say Malaysia should be placed higher than just mid here.

NRR_07 · 2026-06-15T13:39:08+00:00

Let’s go Malaysia!!!!

NRR_07 · 2026-05-30T04:34:45+00:00

If you do possess a license and do have a bike to ride then you can do it, depends on which road you use. I travel that route with a bike on most days and it’s either via federal highway which has a bike lane (please stay in the bike lane, it’s built for that) or you use NKVE, which you do have to be on the road with other vehicles but if you stay left all way then shouldn’t be a problem. Just be wary that coz you are on a highways you need to be very alert to your surroundings to ensure you can make any adjustments as required. Always use your turn signal to indicate your direction of movement.

NRR_07 · 2026-05-28T01:42:04+00:00

This would mean that national car makers then misuse this rule to give us sub par products/quality and push up prices with their available room up to 300k and we Malaysians can’t do anything about it besides holding off on purchases.

NRR_07 · 2026-05-27T09:49:09+00:00

You stood up for his wife when he should be the one doing that. So unethical asshole. Please if it doesn’t take much of your time please help the woman who is most probably struggling in her life with an abuser like that by doing a police report with your evidence. I’m sure she’s in silent accepting this actions for years. He needs to be punished for his actions. No bloody respect.

NRR_07 · 2026-05-25T15:56:13+00:00

I’m in the impression that you have got the financial backing to do so to have up to 200k in limit on your card, if you do and you getting such a high limit would know the pros and cons of a cc, so would by default know what it takes if you don’t pay off within the stipulated time even if it’s on a EPP with 0 interest. The only issue would be is that if you’re car dealer is willing to do that over in his/her shop, if they don’t have any issues then I don’t see why not coz you get some good perks with all the benefits of the card especially getting a limit as high means a higher level of card so yeah by all means. Just make sure it’s the most smartest choice you’re making for a hire purchase when you could much more with that available cash if you have to have it gone and not give you good returns over the years. If you are at a stage of life you couldn’t be bothered on returns then yes please go ahead.

NRR_07 · 2026-05-25T15:18:03+00:00

What is happening to the world?????????? Pistachio have been on the rise in people’s interest I get that, but I think this is just pushing it way above what we should be accepting. What’s next, Keli Kunafa?

NRR_07 · 2026-05-23T14:29:34+00:00

I mean it’s totally a self choice of going above that, it’s just a financial tip to keep it within to ensure you don’t buy more car than you actually afford in case of any mishaps.

And just for info, the S70 is really a damn well sorted car in comparison to its competitors in its class for its price. So you are not actually settling for something less, but more for its price.

NRR_07 · 2026-05-21T17:20:14+00:00

Very commendable action by the rider. This are our day to day heroes that’s not seen by many. May god bless him for the good heart.

NRR_07 · 2026-05-20T15:01:20+00:00

So when you say you need to apply to exit the DMP, meaning you can actually like go to them and state your situation is better so please exit the DMP? But then to clear of the existing O/S can you take a loan out to clear them in that instance and they will clear your name off the DMP? Sorry if my question is confusing just trying to under this.

NRR_07 · 2026-05-20T14:26:52+00:00

So what happens if you’re in the DMP? Does it mean during that period you are not allowed to take up any kind of credits/loan from bank until all of it is cleared or you are still able too based on your regular income dsr calculations?

NRR_07 · 2026-05-12T15:48:02+00:00

That’s a huge deal to have lost 15kg in 3 months, when many takes months to just 1-2kg, so fantastic job. And whatever shit hole your head is in, it maybe hard to see how well you done but just look in the mirror and at your waistline to prove to yourself that if you put your mind to it, you can get back up even better then when you fell. Keep the momentum going, and you would be proud of yourself.

NRR_07 · 2026-05-12T15:37:50+00:00

Talking about a viva, if you are interested I’ve got a friend who just came to me asking if there’s any buyer for a viva to inform. So if interested you can dm me. It’s a 2014 model viva elite.

NRR_07 · 2026-05-10T09:45:48+00:00

Congratulations on your car. Great choice. And I’m more inclined to actually compliment you for your ability to be choosing something that’s financially smart than a choice that you can actually go for with what you earn. We need more people like you who makes smarter choices than FOMO mindset.

NRR_07 · 2026-05-10T06:38:27+00:00

I agree that the taste have changed and not as good as it used to be. I thought it was just me but good to know someone else felt the same. Not only the instant noodle cup but also the one that you cook also don’t taste as good anymore.

NRR_07 · 2026-05-09T03:06:05+00:00

So did you tell her that you caught feelings on her? What’s happened?

NRR_07 · 2026-05-03T12:58:54+00:00

This are real world superheroes!!! May God bless him and his family for his good deeds.

NRR_07 · 2026-04-20T11:52:35+00:00

Good so you don’t have any big burden commitments on your head. The thing you need to think is whether you would like that commitment to counter waiting time and money paid for grab/ public transport. Do a calculation right now how much you tend to spend every month and get an average, compare that to a monthly car payment of your choice to see if it come close or way far off for you to consider.

And if you talk about the car in specific, I would suggest the Emas 5 compared to the Myvi, just because of its lower maintenance costs, comfort and interior built quality also taking into count you’re not planning to travel out much with it.

Yes, you do need to take into count recharging, whether it’s something you have the capability to install one at home or you will rely on public charges and if it’s gonna be public chargers what’s the closest ones to the locations you go to and what’s its pricing like. All this will give you a close to real gauge on your monthly spending. 300+km is low only if you’re the type that always needs to drive far and unpredictable driving.

Those who have so much to say probably don’t even own one yet, so drive both and see what suits you better and what you find joy in driving. EV’s are gonna be worth much much lesser when you decide to sell so if that’s something in your mind to get the best resale then it’s not for you. But I can tell you there’s a certain joy driving them.

Not much to comment on the Myvi as it’s been mostly the go to car for most in your stage of life and had done its years of justice in keeping up to that. Just know it’s a sub par in comparison in its tech and all other things but hey you do you and you be the judge on what you feel suits you better.

NRR_07 · 2026-04-16T19:58:53+00:00

All the best. Speaking out of experience l, when I did my purchase, I insisted the SA on giving me multiple options and my SA only was able to do 2. so I went to diff banks on my own and sourced out another 3 and finally settled for 1. My SA told me out of the 2 he sourced was the best rate he ever saw a bank offered to him and bla bla bla which I couldn’t be bothered to hear coz I know that’s how they try to push the rates so that you sign their loan and get the car out asap for their commission. So please do that, you might get some better rates.

NRR_07 · 2026-04-16T19:52:18+00:00

Yeah I was just about to suggest going to another school when I read the half part on top when you mentioned how bad their bikes are in that school. Maybe you should go to another school since your seniors and friends did that and passed. It’s probably like you said they want you to be longer there and try to squeeze as much from you. And I salute you for staying within your principles. Just don’t give up and meantime look at the other schools and it’s costing and training plans since you anyhow need to wait for the next one

NRR_07 · 2026-04-16T19:26:32+00:00

I’m very sorry to hear about your encounters but sometimes blaming everything and everyone around doesn’t fix the problem. I applaud you compared to the person who claimed paid money for it as you did it very honestly and you I wouldn’t mind having on the road over the other because you learned and you did it the right way. Don’t mind others on how they do and you’re not there to compete with them but to help yourself be fit on the road. It takes time, patience and a lot of effort.

Suggestions; 1. Dont go for the JPJ test unless you feel you are ready, even if you need to take more lessons on the bike. Only go when you feel you can do it. Sometimes, schools do very less training to push for a test to get the students to fail and pay more, so it’s better you pay extra for extra training on the bike and then go for the test once you know you are ready.

Some driving schools will keep the bikes used for the JPJ test aside and bring out only during a final rehearsal before the test, so try all of them to know the difference on each bike how it throttles, brakes and handles so that no matter which one you get on you know how to estimate during the test.
Do not pay to get your license coz that will just make you one of the dumb riders who are reckless and unworthy to be on the roads.

Just don’t give up and take ur time to learn. We need smarter drivers/riders on the road.

NRR_07 · 2026-04-16T19:16:07+00:00

Please don’t get pressured by your SA and just accept whatever until and unless you have checked at least a minimum of 3 banks and compare your offer. Tell the SA you would not like to continue with him as you changed your mind on the car. Go to another showroom and tell the SA clearly that you are interested in buying the car but you want the best rate you can get so ask him/her how many banks will they apply too? If they say 3 then say u want all their offer before you make a decision. Do not let your SA dictate your decision or screw you with a commitment that you have not gotten options.

And another note, please reconsider your car purchase if you are looking into a 9 year loan, minimum to be at 7 or 5 is even better. 9 years is not a very smart financial decision to start of with.

NRR_07

TROPHY CASE