Trade in old car 换 New Myvi?

Updated: August 22, 2018 / Home » Financial Plan » Car

tph 近来买了一辆 Myvi,之前我并不是很喜欢她买 Myvi,因为我觉得用 RM 50 k 去买一辆车并不是很划算,何况她刚出来社会工作不久,有一辆车就是有负债了。无论如何,我听了 tph 给的理由后,我也支持她买 Myvi。

很多人都觉得 Myvi 没有问题,不过 tph 的 Myvi 刚拿到手不久就有问题了 — alignment 及 balancing 跑掉。虽然不是很大件事,不过还好及早发现,所以没事了。Myvi 也不是十全十美。

去年或前年吧,那时候大马为了吸引国民选择购买国货,所以推出 Trade In Old Car 换 Proton的优惠,然后就有很多人把旧车拿去 trade in 换了 Proton。然后,又有人在媒体要求政府也给予 Perodua Myvi 同样的优惠,所以那个时候也可以 trade in 旧车换 Myvi。

tph 购买 Myvi 的时候已经没有这样的优惠了,所以她就跟银行借钱贷款 + 放了一些头期购买了 Myvi。好啦,等她拿到车的时候,有人告诉她说买 Myvi 有折扣 RM 2K 而且还可以 trade in 旧车。她就只有炸到的份。

更炸到的是,她跟银行贷款的利息是 3.6%,她的同事跟银行贷款只有 3.5% (听说还是 Full Loan)。不过,我查了 Maybank Hire Purchase 网站及论坛都没发现有购买汽车的 Full Loan ,一般都要 10% down payment。我觉得她同事的所谓 Full Loan 是 Car Loan + Personal Loan 吧。

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我觉得在跟银行贷款买车的时候,应该问清楚到底什么是 Full Loan,当然还要要求跟低的利息,最好能货比三家。当然,如果你想知道更多买车前的资讯,可以参考 tph 的买车前要考虑的问题

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8 comments on “Trade in old car 换 New Myvi?

  1. honglee [ Reply ]

    The trade in promotion is maybe bcoz Perodua is going to launch new MyVi model soon.
    Proton also got such promotion (I think is 5k discount) for models like Waja, Gen2 and Savvy.

    • Mister Leaf [ Reply ]

      Yes, 5K. Meaning that we can trade in any old car and get 5K, then we use the 5K to buy new Proton or new Perodua Myvi.

  2. 惟忍小子 [ Reply ]

    Proton car 2 models come with low interest promotion, 2.88% if I’m not mistaken.

    • Mister Leaf [ Reply ]

      I think Proton Ispira and Proton Alza models only have this 2.88% interest promotion, isn’t it?

      • 惟忍小子 [ Reply ]

        Alza is not Proton…the model is Exora. Yes

        • Mister Leaf [ Reply ]

          Yes. My mistake. Perodua Alza vs Proton Exora.

  3. 当时我觉得你很讨厌啦~我都有和你说了~你却还指责我没有和你商量~~~

    • Mister Leaf [ Reply ]

      哦。是我的不对。不好意思。我都支持你了。

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