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Author: admin | Category: Auto Rate Calculator | Date: 29.04.2016

Bank Simpanan Personal Loan top in the list while Bank Islam Personal Financing is placed no 2. Eventhough, Bank Islam and Bank Rakyat offer lowest financing rate (loan rate), however the offer is only limited to company which are in their panel only. MBSB marketing is very aggressive, you can see their personal loan or other products advertisement everywhere, from the billboard, newspaper up to highway ads space. Well, I just Google the "Car Financing Guide" from SaveMoney website stated that for those who do not have a fixed source of income, they have to get a guarantor for the loan (lenders will usually accept parents, guardians etc. Seriously I just feel that bank won't really care whether you started to work at 2012, 2013 or 2014 as they just want to know your recent past 3 month financial background.
Besides, I do check out Maybank 1st car loan but the staff didn't say much as she seems not interest or bother to help me although I have good credit card repayment record history when I call their helpline as below. Apparently I did still recall "someone" asked me why I still haven resign when I back to the company during 1st July and being "thick face to eat back old grass" in someway.
During the afternoon, I just have the normal noodle at Mayflower again for part of my saving plan for the day as below. Somehow I just liked the quotes "Knowing others is intelligence; knowing yourself is true wisdom. Anyways, I went to have my dinner at Sakae Sushi Nu Sentral to release "stress" in someway. During the night, I really feel happy and enjoyed myself whenever I can eat the salmon sushi mentai as below. I do order other sushi and feel very full as it cost about RM37.30 for the total bill as below.
Besides, I just realize they giving me FREE auto renewal and 10 SP will be given to members who have accumulated a minimum spend of RM1,000 within a period of 12 months before card expiry date. After that, I took Uber back home since my father is on meeting and couldn't fetch me back as my brother also suggested me to Uber back this evening as below.
My Uber driver is a female Uber driver and I waited her in front of Aloft hotel for pick up. Well, I just got to know that she is same 25 year old, born 1990 too but she is very positive although I said SPAD will catch Uber driver recently as FMT news shared "Uber, GrabCar vehicles being confiscated", Carlist shared "Illegal Taxi Drivers In Trouble As Bank Repayments Mount Over Seized Vehicles" and Paultan shared "Impounded Uber, GrabCar vehicle owners chased over outstanding car loans" article today. What I really know it that it is possible to earn around RM500+ per week based on friend sharing as below. Somehow I just hope my car loan will get approved because the girl told me that the first priority being a salesman is to have your own car. I did check Affin Bank website and others website for the car loan interest although I might use the CIMB credit card to pay in someway as below.
In the end, I just hope I will get my own car soon as a 25 year old guy although I try not to compare myself with my peers who have their own car as young as 18 year old. Naza Quest Sdn Bhd, official distributor of Chevrolet vehicles in Malayisa, has announced a promotion offering buyers of Chevrolet vehicles reduced financing interest and a three-year service package giving free parts and labour, but excluding lubricants.

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Moreover, it is useless to say that your EPF have RMXX,XXX because you can't take it out just to buy car.
Somehow I just feel that life is all about building a "backup" especially when you're in my age, 25 year old facing some sort of quarter life crisis. Eligibility for auto renewal and free SP will only be calculated and awarded during the card expiry month as below.
Anyways, she said sometimes don't need to think so much, just do only and her current new Myvi just 2 month old after her brother bang her Viva car into a scrap. From her sharing, she said that sales line is a very challenging job although you might get scold from boss for not getting any sales but you tends to learn more.
Later on the night, someone shared that it is possible to earn RM4,500+ extra being a part time Uber driver as below. What I can say that I really depend on myself to pay for this car although my brother become my guarantor. Eventhough, we dont have any survey on this trend but we would like to make some assumption on this personal loan trend based on the products features etc.

What I can say is that everyone have their own problem as we shouldn't be so judgmental based on a person's action. He asked what do for living and what my company do as I just answer marketer and payment related stuff. Apparently one of the reason why I choose Affin Bank for car loan because they can offer 2.92% interest rate for RM42,000 with 9 years repayment period lower than Maybank as below. If you realize that you have enough, you are truly rich" by Lao Tzu as I suddenly recall Mr Michael Lim who teaches about Critical Thinking lesson back in Penang.
Overall I really enjoyed the conversation with her from KL Sentral back to my home although the Uber fare cost around RM47 as below.
For the moment, Naza Quest is partnering Public Bank and Maybank for this offer, but the company has plans to tie up with other banks as well. During the morning, I received a phone call from Affin Bank staff saying that my car loan has been rejected and need a guarantor to buy the Myvi car. Somehow I do understand the reason why he ask such question partly because my income isn't stable since it is different when I go to Penang for the SAP course during April, May and June since the salary is different from July.
Over time, I admit that I always try to get approval from others and it just make yourself very tiring. After office hour end, I received a message from the lady and finally know that I need to pay RM200 to fix her car's side mirror.
She working in the sales line for advertising and have the experience in HSBC data processing job before.
For instance, when people say that my e-commerce degree in UK Sheffield experience is useless, I try to find alternative way to build up my confidence by acquiring new skills such as the SAP certificate. In deed it is a very good lesson for me to be more careful next time although it had left a scar in my memory forever. No doubt that HSBC offer good salary as high as RM2,900 monthly if you work over time even if you're SPM.
Then when people say that SAP is overrated, I try to find alternative backup like maybe becoming a Uber driver in someway. Upon arrival at 4th floor Nu Sentral, I saw there is a new London Sandwich Co (LSC) shop opened as below.
In the end, I felt that you will achieve nothing if you don't really choose a things that you like and I found out that we shouldn't get influence by other people opinion.

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