Advice for buying a new car

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Advice for buying a new car

Post by Hazimismail on 2011-05-09, 13:51

Salam all,

Since I arrived here 2 months ago, I've been renting a car and inshaAllah soon I plan to buy one. All my colleagues/friends cakap better to buy a new car since kat sini second hand mcm susah nak trust sikit and byk hassle for the process. Myself, I had a bad experience buying a second hand car in Msia so mcm phobia sikit.

Anyway, so al-kisahnya terdengarla bahawasanya Qatar Central Bank baru buat ruling untuk stop 100% vehicle loan and maximize the loan term to 4 tahun and maximum loan amount 80% sahaja. Bermakna kena cari 20% downpayment. Adehhh..

Also, I cannot decide between buying a 4x4 or a normal car. Nak ikutkan tempat keje ni (Airport tech building) paling senang nak dapat parking is panjat curb with a 4x4 la (common practice) which is why i am interested to buy one. Tapi, harga dia mcm mahal sikit. Ikutkan hati, tergerak sgt nak amik FJ Cruiser tp harge dia kusss semangat. So alternativenya ialah Kia Sorento yg agak affordable based on monthly payment.

So my question to sesape yg ade experience boleh tolong is...

1. I was told that ada jalan untuk dapat 100% loan, by taking a personal loan instead of a vehicle loan for the full amount of the car... interest rate tak jauh beza and both is 4 year term. Has anyone heard of this?

2. Ade recommended bank yang tak payah buat salary transfer tak kalau nak amik loan? (doubt it)

3. Ade org pakai FJ Cruiser nak jual? Or comments pasal FJ Cruiser?

4. Kia Sorento? Ade org pakai or wanna sell? Ade comments?

5. Car or 4x4 what say you?

Thanks y'all. Kalau ade time terime kasih for replying Laughing

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Re: Advice for buying a new car

Post by padd on 2011-05-10, 15:13

Salam...


berapa budget Hazim?

Nissan Xtrail 2.5 boleh dapat brand new dalam 79-80k QR..

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Re: Advice for buying a new car

Post by Hazimismail on 2011-05-11, 06:22

Thanks Padd.

Budget dalam 98k or below la.. basically monthly taknak la byr lebih dari 2.3k.

Hari tu ade jugak pi tgk xtrail.. tapi sorento mcm lagi value for money.

and it seems that second hand value dia agak teruk.. betul ke?

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Re: Advice for buying a new car

Post by silver16v on 2011-05-11, 09:51

Hazimismail wrote:Thanks Padd.

Budget dalam 98k or below la.. basically monthly taknak la byr lebih dari 2.3k.

Hari tu ade jugak pi tgk xtrail.. tapi sorento mcm lagi value for money.

and it seems that second hand value dia agak teruk.. betul ke?

Cuba chk resale value kat qatarliving utk better decision making..

Keta tayar low profile cuba elakkan sbb harga tayar maybe 3x lebih dari yg biasa.. seperti contoh tayar keta crv sebijik QR550/= tapi mazda CX9 harga tayar sebijik QR1,800/=*

*Ini based on my fren punya cerita lar, x sure if it is 100% accurate..

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Re: Advice for buying a new car

Post by padd on 2011-05-12, 12:33


Salam

cuba usha kat qatarsale.com jugak . Qatarliving pun ok...tapi banyak komen atau spam yg merapu...saya pernah terkena..ada iklan nak jual kereta , bila saya telepon rupanya org tengah je ...siap minta duit komisen kat saya..pelik betul.hahaha

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Re: Advice for buying a new car

Post by Chian on 2011-05-12, 13:29

Dalam byk2 2nd mkt hand ada juga genuine seller Bro. I jual my civic in April and baru beli Honda Stream about 2 weeks ago. Cuma letih la sikit second hand mkt ni. Kena tgk2 betul2 and byk homework (browse relevant website qatarliving, qatarsale, qatarclassified, buat appointment, then pi tengok keta, negotiate ngan seller, hantar computer inspection kalau nak kepastian).

Then proceed to proses tukar nama. Kalau beli cash senang je .... bila dah confirm, pegi je Traffic Department kat Madinat Khalifa. Buat transfer ownership and then bayar kat seller there and then. Kalau ambik loan, ada kawan yang ambik personal loan and guna untuk beli keta 2nd hand. Kalau you nak refer kat dia, PM me. Nanti I bagi contact details.

Pasal jenis keta, I setuju kalau untuk multi-purpose ..... senang parking etc, elok ambik 4 x 4.

Pasal requirement vehicle loan yg terbaru, teman pun tak tau. Harap2 ada yg tahu boleh berkongsi.

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Re: Advice for buying a new car

Post by kobbera on 2011-05-15, 19:02

Payah jugak tu kedengarannya... (bahasa dah lain dah). ari tu dah try la survey kete2 baru ni.. nak kene bayar 20% down payment.. aii xsempat lagi la nmpk gayanya nk pakai kete..personal loan xtinggi ke interest dia? mane la taukan kot2 lebih mudah dah cepat... dgr kata ade yg beli kete seken ari tu aircon rosak, nk kene tukar system aircon smpi ribu2...nk pecah pankreas klu ade je mender2 lain plak yg rosak walaupun seat kete tu tak sempat panas....

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Re: Advice for buying a new car

Post by Chian on 2011-05-16, 07:34

Btw, there is a new law. Expatriats cannot take vehicles financed by banks out of Qatar as reported in 'The Peninsular' on 14 May 2011.


Mad

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Re: Advice for buying a new car

Post by Chian on 2011-05-16, 07:39

Many expatriates who were travelling out through Abu Samra check point on last Thursday were sent back.

It seems like we need to fully settle the vehicle loan before driving with the car out of the country or get a clearance letter from bank where security deposit + guarantor is likely required.

What to do ..... some expats might have ran away with their cars under financing to their nearby home countries. Hence, forcing the authority to implement the new measure.

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Re: Advice for buying a new car

Post by j0e on 2011-07-25, 23:25

nampak gayanya kena beli cash lah baru boleh jalan2...

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Re: Advice for buying a new car

Post by Chian on 2011-07-26, 06:17

Joe, kalau company ada bagi interest free vehicle loan ok jugak. So far bila tanya kawan-kawan, rata2 clearance letter untuk bawa keta keluar dari Doha under company loan lebih mudah berbanding bank.

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Re: Advice for buying a new car

Post by asyraf on 2011-07-26, 07:12

Salam Chian & Joe,

Alternatively apply personal loan and than beli kereta tu cash.. so kat istimara tu takder la dia tulis hakmilik bersama ngan bank...dia akan tulis cash lah...so tak perlu clearance letter untuk drive out.

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Re: Advice for buying a new car

Post by Chian on 2011-07-26, 07:34

Ha ah. Brilliant Asyraf.

Btw, apa interest rate vehicle loan vs personal loan Bro ? Smlm kalau tak silap terbaca Doha Bank offer Personal Loan @ interest rate of 2.22% per annum

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Re: Advice for buying a new car

Post by noble-man on 2011-07-26, 10:06

Chian wrote:Ha ah. Brilliant Asyraf.

Btw, apa interest rate vehicle loan vs personal loan Bro ? Smlm kalau tak silap terbaca Doha Bank offer Personal Loan @ interest rate of 2.22% per annum

Interest = Riba' Evil or Very Mad

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Re: Advice for buying a new car

Post by asyraf on 2011-07-26, 10:10

Chian,
sorry ahh...nak promote bank lain tak leh ahh...but now Doha bank memang agak gangho skit...among the cheapest gak...tapi mesti ada catch tu...mungkin dia suruh salary transfer gak...

Noble-Man,
kalu tak nak riba ada islamic solution gak amik Tawwaruq = personal loan gak... gi lah kat QIIB, Masraf Rayyan or Barwa bank...itu bank mmg islamic solution only..

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Re: Advice for buying a new car

Post by Chian on 2011-07-26, 11:15

Agree with Noble-Man, kalau boleh elakkan riba ngan options lain yg ada. Moga dipermudahkan, amiiin. Very Happy

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Re: Advice for buying a new car

Post by Chian on 2011-07-26, 11:17

Macam juga yg Bro Asyraf cakap. Sekarang dah ada few Islamic Banks yg menawarkan berbagai produk yg comply dgn syarak . sunny

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Re: Advice for buying a new car

Post by j0e on 2011-07-26, 13:19

terbaik lah kat sana..banyak option yg boleh elakkan diri dari riba dan yg sewaktu dengannya...

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Re: Advice for buying a new car

Post by kutu_beramboi on 2011-07-27, 06:25

noble-man wrote:
Chian wrote:Ha ah. Brilliant Asyraf.

Btw, apa interest rate vehicle loan vs personal loan Bro ? Smlm kalau tak silap terbaca Doha Bank offer Personal Loan @ interest rate of 2.22% per annum

Interest = Riba' Evil or Very Mad


setuju ...

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Re: Advice for buying a new car

Post by foxshrek on 2011-08-01, 01:02

Kete nampak murah compare mesia, tp service/mtnance camne lak?

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Re: Advice for buying a new car

Post by rizi the doll on 2011-08-01, 07:49

foxshrek wrote:Kete nampak murah compare mesia, tp service/mtnance camne lak?


parts2 kereta tuu mahal sikit jer... tapi service utk labour mahal...

almost 40% out of the total bill...



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Re: Advice for buying a new car

Post by foxshrek on 2011-08-02, 00:28

Labour charge 40%.. Fuhh.. Kete baru la gamaknye best choice..

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Re: Advice for buying a new car

Post by rizi the doll on 2011-08-02, 07:46

sama jer keta baru or lama.... labour charge mmg mahal kat sini...

around 30-40% from total service...

so kalau nak beli, dapatkan yg promo free 40k service charge or first 3x free...

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Re: Advice for buying a new car

Post by foxshrek on 2011-08-02, 08:56

Got it.. 10q.

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Re: Advice for buying a new car

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