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[yihao88]

calvin: warded?? like tat quite serious le... But dun too sad la, new year is coming... All the best to u and wish u have a wonderful chinese new year

Nates: Bro, i din change my rims le...

 

[calvin9683]

Thanks bros... I edi accepted fate la... Things happen d, mayb could b worse... Just b happy dat it's only minor...
Bro yihao... U din change rims?? I think I saw ur car before... At permas there... Same row as tungchun... Yellow wif e8 bodyparts... But still on stock e7 rims???

 

[spek_nates]

u r wrong bro..he's using advan rs rim..
(yihao i answered on ur b'half)

 

[yihao88]

Calvin: yaya...u r rite, U shuld b glad tat thr is minor accident...bro I changed my rim after I get my car for around 1 mOnth...

Nates: u r rite!!!

 

[spek_nates]

huhu..i also dreaming 2 change my rim but now not enough money yet..not like our bro yihao, only 1 month already change his rim..ehh..lupa pulak,yihao is "Mr. Laupan" maa..hehehe..:top:

 

[calvin9683]

Ok... So I need to lookout for yellow e8 wif Advan rs...

Bro spek... My fren told me he got one set of rota 18"... Design like TE37.. wif nice tyres oso... Selling around 4k if not mistaken...

 

[spek_nates]

i want advan rs rim same like yihao..huhuhu..

 

[MiNiFans]

I dare to say, Evo with Rota is f*cking SEXY~!!!!! LOLx

 

[yihao88]

Bro calvin, i tink i saw u again yesterday in pelangi indah... Hehehe... I oso feel lookin sexy that evo with rota grid (te37 look alike)... But the rim is damn heavy, like stone... Haha...
Nates, u gonna change ur rims??

 

[MiNiFans]

Asked some info and details from car dealer...although able to afford,but still under 24 unable to get loan =(

Sad case...

 

[yihao88]

Bro dun b sad la... can 1!! is jus they 1 2 help o nt... I get my evo on 22 years old on my own name... Bank oso approve my load wad... Summore i loan around about 80%... BTW do u went to the bank and get the detail??

 

[spek_nates]

depand on person ar bro..4 me i like advan rs design compare to TE37..like people said "rambut sama hitam,hati lain2" hahaha..

 

[MiNiFans]

Bro dun b sad la... can 1!! is jus they 1 2 help o nt... I get my evo on 22 years old on my own name... Bank oso approve my load wad... Summore i loan around about 80%... BTW do u went to the bank and get the detail??

Havent ask the bank...btw wat bank do u get loan? I'm planning to pay 25k for deposit....do i nid a very good bank transaction record in order to get loan easier? anything else do i nid to take note to get loan easier?

 

[spek_nates]

bro ur deposit is already ok for newer model like e8 or e9..but if u still want to try for e7 is depand coz loan cannot go high n deposit also must be alot due to short repayment period of time if i not mistaken only 5-6 years only..if u already used a car n want to change another car the most important things is ur payment got no "sangkut2" to show that u r really a good pay master..if u dun have than u must prepare alot of document 2 support ur loan..eg. ur salary much be enough for monthly pay for ur car after deducting all ur comitment,if u r grad student with ur staficate,yes ur good bank transaction,a bonus if u have a saving account n last but not least to support ur loan to become more easier is gurantor..

 

[yihao88]

Havent ask the bank...btw wat bank do u get loan? I'm planning to pay 25k for deposit....do i nid a very good bank transaction record in order to get loan easier? anything else do i nid to take note to get loan easier?

i get loan from pbb... b4 i take evo, my previous car is loan from them too... so i can get the loan without any require of document... but my opinion, better get a e8/9 coz e8/9 is easier to get loan... besides that, installment can drag till max 7 years and get higher loan...

do u get a ideal evo??

depand on person ar bro..4 me i like advan rs design compare to TE37..like people said "rambut sama hitam,hati lain2" hahaha..

advan rs is nice, but when raech the time u wanna wash ur rim~~~ "itulah masa pening"... Less spoke less trouble...

 

[MiNiFans]

bro ur deposit is already ok for newer model like e8 or e9..but if u still want to try for e7 is depand coz loan cannot go high n deposit also must be alot due to short repayment period of time if i not mistaken only 5-6 years only..if u already used a car n want to change another car the most important things is ur payment got no "sangkut2" to show that u r really a good pay master..if u dun have than u must prepare alot of document 2 support ur loan..eg. ur salary much be enough for monthly pay for ur car after deducting all ur comitment,if u r grad student with ur staficate,yes ur good bank transaction,a bonus if u have a saving account n last but not least to support ur loan to become more easier is gurantor..

Thanks for the info......btw my monthly salary around 5k , dun noe izzit affordable or not, feel hard to get loan since this is my 1st car and i seldom bank in into PBB , other banks dun hv much transaction also ='(

---------- Post added at 09:42 AM ---------- 6 hour anti-bump limit - Previous post was at 09:40 AM ----------

i get loan from pbb... b4 i take evo, my previous car is loan from them too... so i can get the loan without any require of document... but my opinion, better get a e8/9 coz e8/9 is easier to get loan... besides that, installment can drag till max 7 years and get higher loan...

do u get a ideal evo??



advan rs is nice, but when raech the time u wanna wash ur rim~~~ "itulah masa pening"... Less spoke less trouble...

No wonder u can get loan easier,good pay master since ur 1st car with PBB......Thanks for the info, still hav to try and ask some info from PBB

 

[yihao88]

Nvm bro, jus giv a try... BTW u shud find a ideal evo, mayb the car dealer can help u in loan...

 

[spek_nates]

5k..i think it's more than enough if u only have this evo car 4 ur comitment..that's y yihao..he no need to think much let the dealer do all 4 him..small matter bro..once u get ur evo dun 4get to inform us k..

 

[MiNiFans]

Nvm bro, jus giv a try... BTW u shud find a ideal evo, mayb the car dealer can help u in loan...

Thanks bro yihao...appreciated what you taught me =)

---------- Post added at 09:12 PM ---------- 6 hour anti-bump limit - Previous post was at 09:08 PM ----------

5k..i think it's more than enough if u only have this evo car 4 ur comitment..that's y yihao..he no need to think much let the dealer do all 4 him..small matter bro..once u get ur evo dun 4get to inform us k..

LOLx...thanks for the info,bro...
This is the only commitment currently if I got the car =)
BTW I wont forget you guys for sure,coz from what I came across...a lot of forumers just feel , such a little teenager wanna to buy evo,cant afford la...blah blah blah,and just ignore me

But you guys are different....really thanks a lot and appreciated it

 

[calvin9683]

Bro yihao... Sure easy to see me in pelangi indah la... I stay there ma... Hahaha

Bro minifans... Ur salary enuf d... Just prepare ur pay slip, bank statement, appointment letter... This is the basic documents... I'm 26 when I bought my evo last year... Got no past records as well... N I manage to loan 70k for 7yrs for my yr2000 evo7... But interest a bit high la...
Agree wif wat other bros say... Let the dealer do the loan for u... They got more connection wif bankers... My dealer manage to pass my loan application in 3days... Somemore I dun hav past payment history for them to check... Dun underestimate dealers...

 

[spek_nates]

that's what fren r meant for bro..atleast once u get ur evo our lancer member already add 1 more what..another things what r u facing at this moment i'll already felt that b'4..so i know what do u feel right now.."ape2 pn cayok2!!malaysia boleh n u also boleh" maaa..

 

[yihao88]

Mini fans: Wad u came across i oso been came... i can noe ur feeling, dun bother how ppl say, as long as happy jus go for it... Any problem we can help u in here, cant undestand summore jus giv me a call... dun worry bro...

Happy hunting...

 

[calvin9683]

Bro yihao... Nice n clean ride...
Saw u at Austin tis afternoon... But driving vios, dunno if u noticed a vios flashing at u?? Lolz

 

[YellowFlash]

Bro yihao... Sure easy to see me in pelangi indah la... I stay there ma... Hahaha

Bro minifans... Ur salary enuf d... Just prepare ur pay slip, bank statement, appointment letter... This is the basic documents... I'm 26 when I bought my evo last year... Got no past records as well... N I manage to loan 70k for 7yrs for my yr2000 evo7... But interest a bit high la...
Agree wif wat other bros say... Let the dealer do the loan for u... They got more connection wif bankers... My dealer manage to pass my loan application in 3days... Somemore I dun hav past payment history for them to check... Dun underestimate dealers...

Usually when banks give out loans, they have a standard guideline like debt service ratio. ie installment over monthly salary. Usually if installment ratio is 30% or lower of your salary, it should be fine. Downpayment affects too, the more downpayment, meaning lower risk for bank as there is more owner equity in it. Credit & litigation history is usually shared between banks in a central system hence they will be able to conduct these checks without you showing them as long as you sign some documents. off course education level, type of employment affects credit decision as well.

 

[yihao88]

Bro yihao... Nice n clean ride...
Saw u at Austin tis afternoon... But driving vios, dunno if u noticed a vios flashing at u?? Lolz

Ya, i in mount austin tis afternoon... But i din notice ppl flash me light la... Hahahaha... Mayb i too concentrate on finding parking la... Hahahaha...