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Graduate Scheme : Car Loan Interest

Good news for our young fresh graduates! Our bank panel is now offering lower car loan interest rate for graduate scheme (skim graduasi) starting from June 2012. The interest rates are categorized as follow:

Down Payment Car Model Rates
0% down payment All models 2.98%
10% down payment Local Cars 2.88%
10% down payment Non-Local Cars 2.78%

 
1. What is graduate scheme?
Graduate scheme is a another type of car loan offered by certain bank to fresh graduates (age less than 30).
 
2. Why should I take graduate scheme?
There are few reasons why you can’t avoid taking a loan under this scheme. Firstly, you haven’t worked for at least a year. Your net salary does not meet the minimum requirement. Under a normal loan, you are required to provide a guarantor, however by having this scheme, guarantor is not needed unless you are applying for extremely large amount of loan.
 
3. Why is the interest rate higher?
Bank has their own way of managing risk and how the amount of interest rate was determined shouldn’t be questioned. In their point of view, fresh grads carry a higher financial risk as compared to other older group.
 
4. What documents should I prepare?
5 important documents should be submitted to the banks. These documents include a copy of your IC, license, 3 months pay slips, and 3 months bank statements. You also need to give us a copy of your degree/diploma slip.
 
5. I haven’t started working, but I only have the job offer letter?
You are still eligible to apply for the this scheme. You don’t need to provide a copy of your pay slip if you already of your job offer letter.

 
6. I want to buy a second car, can I apply for Graduate Scheme?
The answer is YES and NO. You cannot apply for this scheme if you have had any previous car loan with any banks.
 
7. I only have SPM, can I apply for this scheme?
NO you cannot. You need to have at least a diploma/degree.
 
8. I am still studying at a university, am I eligible?
NO you are not. You need to have a guarantor, preferably your parent.

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736 Responses to Graduate Scheme : Car Loan Interest

  1. saufi says:

    i want to buy 2nd car (honda civic dolphin) from direct owner, can i apply for this graduate scheme?

    • admin says:

      Yes you can, as long as it is your first time buying a car.

      • cunna says:

        As salam.
        sy baru habis degree tapi belum convo lagi.saya baru mula bekerja dengan salary yang agak rendah iaitu RM1240. Adakah sy layak untuk skim ini? boleh email sy prosedur yang patut sy lalui dan list of your panel bank for this scheme.
        thanks

      • admin says:

        Hi Cunna, you perlukan penjamin kerana gaji bersih you tidak memenuhi syarat kelayakan.

    • balz says:

      HI,
      Saya dh habis belajar degree tapi tidak convo lg. Ada transcript degree dan sudah berkerja selama tiga bulan dan ada offer letter dgn confirmation letter.Gaji saya basic RM 1900 dan akan naik lagi bulan depan. Saya bercadang nk ambik waja second hand dlm harga 15k-18k…ada tak saya layak dpt grade sceme nie and nk tahu pasal ansuran bulanan..tq

  2. Ieqa Aziz says:

    Salam,

    Saya berminat dgn Perodua Alza-Premium(M)-Auto @ Perodua Alza-Standard(M)-Auto dengan 0% – RM1500 downpayment utk tempoh 9 thn?. Layakkan saya utk mebuat full loan dgn menjadikan ibu sy sbg guarantor, memandangkan saya baru mula kerja dan basic gaji hanya RM1600. Dan blhkah emailkan pada saya quatation utk kedua-dua model tersebut?TQ

  3. Afiq says:

    Salam,
    berminat nk beli Proton Preve Premium (S). Bole ke apply under grad scheme sbb dah 2 tahun keje n basic salary 1600?bole bg quotation x?nk tau payment bulan2 berapa..TQ.

  4. coco says:

    hello…

    skim graduan ini boleh digunakan untuk membeli kereta 2nd hand tak?
    saya kini menunggu bank approval utk membeli kereta 2nd hand yg bernilai 28k, tetapi bank mengatakan saya perlukan guarantor. it does’t make any sense kerana saya telah 2 tahun bekerja dan pendapatan saya lebih dari 2k. saya juga mempunya diploma dari bidang perubatan. saya tidak pernah blacklisted dari mana-mana bank dan tidak pernah meminjam duit dengan bank, tidak mempunyai komitmen lain. so kira ini kali pertama saya ingin meminjam dengan bank utk membeli kereta 2nd hand. saya tidak mempunyai saudara yang dekat untuk menjadi guarantor. apa yang patut saya lakukan.

    thanks.

    • admin says:

      Hi lisa, yes you can apply for the grad scheme and if you would like to purchase a brand new Proton Saga/Perodua Myvi with your current status, it should not be a problem. In fact, the interest rate for new car is much lower than the rate for used car. Give us a call at 019-3559448 if you are interested.

    • bern89 says:

      saya na beli kete neo 2nd,loan 38k,dis is my 1st car,got offer letter,my slary is 2.5k,na taw dy pnya interest dan bank mane pling rendah,if ada grentor intrest dy sama k lg rendah?

  5. aufar says:

    Salam,
    berminat nk beli Proton Preve executive (automatic). Bekerja sudah hampir 1 tahun dan gaji rm 1650?bole bg quotation x?nk tau payment bulan2 berapa..TQ.

  6. Firdaus says:

    Salam sejahtera,

    Saya berminat untuk memiliki proton preve premium. Saya masih lgi dlm training di sebuah syarikat GLC dan elaun saya setiap bulan adalah RM 1900. Boleh ke saya mohon skim ni?.

    • admin says:

      Wasalam firdaus, gaji bersih utk apply model ini selalunya perlu lebih RM 2,500. Jika tuan ada penjamin, mungkin pihak kami boleh cuba bantu.

  7. qayyum says:

    kalau saye dah habis belajar, tapi belum convocation lagi(ade transcript je, bukan degree slip) boleh apply x??

    • admin says:

      Yes you can. Tetapi you dah dapat job offer letter? Kalau tiada lagi, qayyum perlu ada penjamin ibu/ayah. Hubungi pihak kami di 019-3559448 jika qayyum ada sebarang soalan.

  8. Santhiya.Vk says:

    hello i just finished my degree and still waiting for my transcripts and all. i just started to work and i need a car desperately since i need to do a lot of travelling. is it possible for me to apply for the graduation scheme? if yes, what should i do without my degree transcripts?

    • admin says:

      Yes, if you have started working and you have the job offer letter, then that’s fine. It would be great if you have any document which stated the completion of your studies. Feel free to call us at 019-3559448 if you are interested. We can help you without any troubles. Thanks Santhiya!

  9. Syahmi says:

    Salam,

    Saya berumur 26 tahun dan hampir 2 tahun bekerja disektor swasta. Saya ingin membeli kereta melalui skim graduasi dengan bayaran downpayment 10% untuk tempoh ansuran selama 5 tahun. Adakah saya dapat mengurangkan kadar interest lebih rendah dari 2.88% kerana ingin membayar ansuran selama 5 tahun sahaja dan bukan 9 tahun seperti kebiasaan?

    • admin says:

      Salam syahmi, tuan tidak perlu menggunakan skim graduasi kerana tuan dapat membayar 10% down payment dan sudah berkerja lebih setahun. tuan layak untuk mendapatkan interest yang lebih rendah. Hubungi pihak kami di 019-3559448 jika tuan berminat.

  10. nurul says:

    saya berminat nak beli proton preve 1.6 cvt premium (m)
    - grad this year(2012)
    - baru kerja 1 1/2 bulan, basic rm2500, xde epf, ada offer letter & comfirmation letter dari employer.
    - boleh apply grad skim x?
    - email sy @ call 017-343 xxxx
    - serious buyer

  11. vishwaa says:

    good evening admin, i’m a fresh graduate, and i just started to work, i’m interested with toyota vios 1.5J AT. am i eligible to apply for this loan? my net salary will be RM1600.00. Thank You.

    • admin says:

      Hi vishwaa, you need to have a guarantor as your basic salary doesn’t meet the minimum requirement. Otherwise it would be hard for you to get a loan approval. Give us a call if you have any further question.

  12. qayyum says:

    one last thing, i heard that this scheme allow you to take up to 10 years loan, betul ke?

  13. azwan says:

    hello,

    saya baru menerima tawaran bekerja dan bercadang utk membeli toyota vios. sy baru habis degree tapi belum convo lagi. bole email sy prosedur yang patut sy lalui.

    thanks

  14. syuhada says:

    saya nak ty..bank mana yg offer untuk scheme ni yer? yg sy tahu bank islam sahaja…terima kasih.

    • admin says:

      Yes, bank islam. Adakah saudari berminat utk berurusan dengan pihak kami? Sila nyatakan model kereta yang saudari minati supaya kami boleh hantarkan quotation.

  15. Nurul Ain says:

    Can a car loan been approved under one’s name who is still studying, with a guarantor who’s been working with a salary of 3k/month ?

  16. era says:

    salam.saya nak tanya, interest rate untuk scheme ni berapa?memang 2.98% ke?because sebab dari apa yg saya pernah dengar,interest rate for the bank islam lagi tinggi?is it?

    • admin says:

      Wasalam, ini adalah rate yang ditawarkan oleh bank islam. Ia telah diturunkan awal bulan lepas. Jika era berminat, boleh hubungi pihak kami utk maklumat lanjut.

  17. atikah khairon says:

    saya ingin m’beli kereta alza P5EZ, sy sudah bkerja selama 4bulan dgn basic 1600, can you provide the schedule of payment for 9years for this scheme…thank you.

    • admin says:

      Salam, pihak kami telah hantarkan quotation ke email saudari. Sila hubungi kami dengan segera untuk menikmati promosi bulan ni.

  18. Hakim says:

    Salam, admin. Saya nak tanya kalau saya nak beli kereta second hand (terpakai) (Honda City), boleh ke pakai skim ini? interest rate dia ikut local ke non-local?? Cer cerita sikit. Terima kasih.. ;-)

    • admin says:

      Wasalam Hakim, boleh, asalkan kereta itu adalah kereta pertama tuan. Interest utk used car lebih tinggi. Berapakah gaji tuan dan berapakah harga used car tersebut?

    • Hakim says:

      Terima kasih untuk info tersebut. Gaji saya dalam basic RM 1700 je. Harga used car dalam RM 55000 (honda city), tapi saya ada second choice untuk ambik RM 49000 (Perodua MyVi [baru]). Boleh advise yang mana better to consider?? Terima kasih :-)

    • admin says:

      Maintenance honda mahal sedikit, and interest rate utk used car juga tinggi. Lebih baik pakai myvi baru dan tidak perlu risau pasal maintenance. Jika tuan berminat, boleh terus hubungi saya jika berminat. Thanks hakim

    • Hakim says:

      Ohhh, begitu. Okay. Memang saya berminat nak ambik myvi baru lah. En (admin) memang perodua dealer ke? Sebab saya ni tinggal di Ipoh.

  19. Kathy says:

    Hi, I just finished my degree & going to start working a week later. I’m interested to get a suzuki alto & trying to get car loan from bank but have been rejected by 2 banks with the same reason – I haven’t start working yet. (My sis is my guarantor). Just recently I got to know about graduate scheme. In such situation, is it possible & easy for me to get loan by applying graduate scheme? & what banks offer graduate scheme? Thanks a lot!

    • Kathy says:

      p/s: I’ve got the job offer letter.

    • admin says:

      If you have the job offer letter, then that’s fine. Give us a call at 019-3559448 for more information. Provide us with all required documents and we can try to apply with bank islam. Thanks!

  20. Kit says:

    I am just graduated while waiting for my offer letter from my companies. Starting salary is 4k, according to bank rules (30% of ur net income), maximum installment per month shud be 1200. In other words, the maximum amount of the car loan is 1200×108=129600.

    I am interested to get a Hyundai Elantra 1.6 high spec (97k) or Toyota Vios (85k). In this case, do i still need a guarantor since my loan amount is quite high?

    Besides, my other choice would also like a 2nd hand Vios (65k), can you please send me the details under this scheme for 2nd hand car?
    If I am looking for 2nd hand car, any dealer you can recommend to me?

    Thanks and your kind assist is highly appreciated.
    Looking forward your positive feedback.

    • admin says:

      Hi Kit, we would suggest you to go for a brand new car. The interest rate is much lower and you also do not need to worry about the maintenance cost for the first two years. If you are willing to pay more in purchasing a car, Hyundai Elantra would be a good choice. However, the resell value may be lower. We are also offering discount for the new Vios. Give us a call at 019-3559448 for more information. We can help you with the whole process.

  21. bern89 says:

    skim graduan boleh guna untuk kereta 2nd x?sy ingin membeli satria neo tahun 2009 loan 38k,boleh tau interest dan bank mana yang pling rendah..if ada grentor interest sama x??

  22. tarmizi says:

    nak tanya, sy baru kerja 4 bulan, grad 9 bulan yg lepas… which scheme apply for me? if both, which is better graduate or normal scheme? thanks a lot.

  23. Dashani says:

    Hi, i’m planning to buy a proton saga flx 1.3 or 1.6. Gratuated 2nd july 12. Im working for almost 3 months. My salary was rm1300 and was revised to rm1500 starting frm tis month. Can i apply for graduate scheme? Pls email me on de monthly payment,with and without downpayment. Tq

    • admin says:

      Hi Dashani, we would recommend you to get Proton Saga 1.3 Executive as your basic salary doesn’t meet the minimum requirement. If you do have a guarantor, you may be able to apply for the 1.6 version. Please check your email for more details. Thanks.

    • Dashani says:

      Thank u for your reply. May I know the monthly payment with 10% downpayment please and the quotation for proton saga 1.3 executive as well. tq :)

    • admin says:

      Kindly check your email. Thanks!

  24. Zack says:

    Hi

    Im going to start my work this month and already got the offer letter and im planning to take toyota vios j auto.If my basic salary is RM2500,can i apply for the loan?This is my first car.Thank you in advance.

    • Zack says:

      One more,do i need to make some downpayment?i believe i dont have enough money for downpayment since i just graduate.Please contact me through my email.Serious buyer here,Thank you again

    • admin says:

      Hi Zack, we have emailed you the details. Kindly give us a call directly at 019-3559448 once you have all the documents needed. Thanks!

  25. Maggie says:

    hi, i just finished my degree and still waiting for my convo on september. i will start to work in august but i still don have my job offer letter. is it possible for me to apply for the graduation scheme? if yes, what should i do without my degree transcripts and job offer letter? Can you send me more details? thank you.

    • admin says:

      Hi Maggie, you gotta wait until you get the job offer letter at least. Otherwise, you don’t have any document to prove that you are getting a job. If you do have your academic transcript, that could replace the degree/diploma slip.

  26. VJims says:

    Hi,

    I would like to buy Proton Saga Executive 1.3. My income is 1600. Am I eligible for graduate scheme?

    • admin says:

      What’s your net income sir? Is it above RM 1500? If not, you probably need to have a guarantor. Kindly check your email to find out about the monthly installment.

    • VJims says:

      Hi Sir,

      Thank you for the reply. My net income would be RM1480~1490 with OT each month after deduction of EPF+SOCSO. Under this condition, I need a guarantor?

    • admin says:

      Bank wouldn’t take into account your OT figure and they would only consider your net salary. It would be great if you could provide a guarantor. If let’s say it is impossible for you to get the guarantor, we can try submitting your application to the banks. Kindly let us know what your condition is like. Thanks!

  27. mia says:

    Hi..sy bru je abis degree tp blum convo.tgh tggu surat pggilan dr government dgn basic starting salary rm4.5k..sy nk tnya, lebih baik sy ambil grad scheme ni or yg yg biasa?which car do u recommend 4 the first time buyer like me?i’m quite interested in honda city euro S (only being used for 4 months – 110k) or a new one?i’m into honda, tp suka sgt kereta yg body tinggi.which 1 do u recommend?

    • admin says:

      Hi Mia, are you referring to the Civic euro S or City? Pay attention on the interest rate, if it is unregistered, the interest would be around 2.3-2.5% depending on the bank. If it is a used model, the interest is a lot higher and you don’t want to lose money on interest. Why don’t you take the new Honda City?

  28. AMIR says:

    Salam & selamat pagi..

    saya ingin bertanya..saya lepasan graduan..ingin memiliki kereta persona 1.6 m line (A) ..saya baru kerja 6 bulan gaji 1600..boleh apply kew skim ini?monthly kereta ni berapa eh..

  29. AMIR says:

    alam & selamat pagi..

    saya ingin bertanya..saya lepasan graduan..ingin memiliki kereta persona 1.6 m line (A) ..saya baru kerja 6 bulan gaji 1600..boleh apply kew skim ini?monthly kereta ni berapa eh..

    • admin says:

      Wasalam amir, jika tuan ada penjamin, ia amat membantu kerana gaji bersih tuan kurang daripada RM 1,500. Selalunya bank akan meminta penjamin bagi kes seperti ini.

  30. farez says:

    Salam, admin nak tanya, saya da abis belajar degree november 2011,habis belajar saya dapat offer jadi guru sambilan di Sekolah Menengah selama 3bulan, habis kontrak saya dapat offer untuk guru sambilan di MRSM selama 3bulan..gaji saya mengikut hari..boleh ke saya apply skim ni untuk beli kereta. Saya berminat untuk beli kereta ALZA 1.5L ZHV.

    • admin says:

      Wasalam tuan, bagi status tuan, tuan perlu sediakan penjamin. Jika tidak, memang amat sukar utk tuan dapatkan pinjaman.

  31. Zul says:

    salam…
    i’m fresh graduate but not yet working..insyaAllah i’ll start working in 1 month time with starting salary around rm4.5k..can you please sent me the procedure or anything related to this scheme since i intend to use this scheme to get a new Honda City..tq!

    • admin says:

      wasalam Zul, pihak kami telah emailkan quotation seperti yang diminta. Terima kasih kerana menggunakan perkhidmatan kami.

    • Zul says:

      tq for your response! i have been posted in Kuching Sarawak. can i still use your service since i want to buy the car here in Kuching. i also want to ask about the monthly installment. usually,the first salary will paid to us after start working for about 2 or 3 months depend on the process. so can the monthly installment for the first 2 months being postponed until i get my salary. thanks for your response!

  32. Fauziah Mohamad says:

    Salam…saya nak tnya..n mintak pendapat..the story begins…basic salary i rm1400 n bersih dlm rm1500 after tolak epf + socso…im already submit loan utk kereta viva auto basic..dh send document dekat seorang dealer perodua ni…dia submit loan saya dekat bank islam utk fresh graduate scheme..dan loan kereta sy dh approve 20/7/2012…the problem is..saya baru je dapat confirmation letter dari tempat saya kerja n basic salary sy rm1580 n most probably gaji bersih dalam rm1650 mcm tuh…sbb ade allowance semua la…masalah sy sekarang ni..sy dlm dilema sama ada nak pilih myvi auto 1.3 @ proton saga 1.3 auto…boleh x awak bagi pendapat dekat saya..and,bg quotation..dan sy ade beberapa soalan and hopefully awak boleh jawab ASAP..
    1.Nama saya akan blacklist x andai kata saya x jadi nak amik kereta viva tuh and nak tukar kepada kereta lain?sbb loan dh approve kan
    2.Compare Viva,Myvi and Saga,yang mana sesuai utk saya yg kerja travel ulang alik Nilai-kajang?Dari Segi Penjimatan minyak la
    3.Dealer sy ckp,dia applykan saya full loan..tapi kenapa saya disuruh bayar rm440 utk downpayment plus rm210 utk insurans plus rm50 utk register kereta..Mmg wajib bayar ke benda ni semua?sebab kata 100% loan and zero downpayment…org yg sy deal tu cakap..monthly kereta viva auto basic rm440..interest 3.2% something la..is it correct?

    • admin says:

      Fauziah, berdasarkan pengalaman kami, bukan tujuan utk buruk sangka, tetapi kami rasa saudari telah dipermainkan. Tujuan full loan adalah utk saudari dapatkan pinjaman penuh 100%. Ia sepatutnya adalah harga OTR Price yang termasuk segala registration, plate dan sebagainya.

      Jika saudari ingin mendapatkan kereta yang lebih selesa seperti myvi atau proton saga, ia lebih baik. Tetapi saudari mungkin perlu dapatkan penjamin, sebab kami masih belum cube submit ke bank islam lagi.

      Mengenai interest rate pula, interest rate graduate scheme adalah 2.98% bagi local cars, dan kami khuatir tentang interest yang dinyatakan oleh saudari. Jika saudari ingin cuba menggunakan perkhidmatan kami, kami boleh cuba submitkan sekali lagi. Saudari tidak perlu risau tentang application yang telah dibuat, janji saudari belum menandatangani dokumen tersebut. Itu sahaja yang paling penting. Jika saudari berminat, boleh submit dokumen kepada pihak kami dan kami cuba yang terbaik utk membantu.

  33. Diddy says:

    Hi..
    Saya da graduates n da keje for 2 months dgn co swasta with salary 1700..dgn ekonomi skrg sye dan ikut kmampuan, sya pilih utk ambil saga flx 1.3 auto..adakah saya layak untuk mengambil scheme ini..bolehkh pihak tuan menghantar quotation to my email? thank u!!

    • admin says:

      Hi diddy, we have sent you the quotation. Jika diddy ade sebarang soalan, diddy boleh call kami di 019-3559448. Terima kasih!

  34. Diddy says:

    Sorry wrong email..i just give a new one..sorry for this inconvenient

  35. Hazwani says:

    hai..sy fresh graduate n will be working soon dgn basic salary rm3800++.sy berminat utk membeli hyundai elantra 1.6 AT standard yg baru.adakah sy layak utk memohon skim ini nanti?boleh tak send the quotation regarding the shceme?thanks in advance

    • admin says:

      Salam, yes you layak memohon. Pihak kami sudah hantar quotation tersebut ke email saudari. Sila hubungi kami jika saudari ada sebarang soalan. Thanks!

  36. Nazly says:

    Sy ingat nak beli kereta vios baru 0% DP guna skim kereta pertama. Berumur 26 thn, gaji basic dlm rm2600++ tp ada elaun jadi every month gaji dlm RM3k++ and atas nama saya ada beberapa commitment seperti loan rumah. Layak ke cuba untuk memohon? Boleh forward kat saya quotation.. Tq

    • admin says:

      hi Nazly, kami sudah emailkan quotation ke email saudari. Hubungi kami di 019-3559448 jika saudari ada sebarang pertanyaan.

  37. Lili says:

    hye….i just finish my study…next month start work.. convo november…is it possible for me to apply this scheme??? please send to me the details yea… Thanks

    • admin says:

      Hi Lili, we have sent you the details. In case you don’t have the pay slip it should be fine. Kindly prepare the other documents as requested. thanks!

  38. Chelvi says:

    My sis is a permanent staff, diploma qualification. Minimum RM2k – 2900 salary a month (plus minus due to OT). No other commintments.
    She wishes to buy a Myvi 1.3 Auto. (49K++) With no downpayment, for 9yrs loan what will the interest rate be and how much payment a month>
    thank you. Pls email details.

  39. alex says:

    Age 23, start working on Aug 1st 2012, starting salary 3k,got offer letter already,
    Interested on Hyundai Elantra or Myvi

    Can apply this scheme?

    • admin says:

      Yes, you are eligible. We would recommend you to get a myvi instead of elantra. However, we need to know the exact model of myvi that you are interested so that we can send you the quotation.

  40. Zack says:

    Salam.. i would like to know if my slary 1500, can i take this graduate scheme loan? im been working for 1 year already.. graduate in nov 2011..

    • admin says:

      Wasalam, if your net salary is lower than 1.5k, then you need a guarantor. If you have a guarantor, your application can be approved easily.

  41. Grandy says:

    Hi, I want to ask about something….
    I’m just graduate on June. For this moment I haven’t get offer from any company. And my sister plan to put Rm10k as down payment for me. (she have work for a company more than 3 years). Am I qualify to take this graduate scheme? If yes, what documents should I prepare? And my sister need to prepare latest 3 months pay slip, EPF, Ic photocopy is it? No need bank statement can?
    Waiting for your reply and Thank you.

    • admin says:

      Hi Grandy, we are not sure which model of car you are planning to purchase. If your sister is planning to be your guarantor, she needs to provide her copy of IC, pay slip 3 months and bank statements 3 month. You also need to provide a copy of IC, license and matrix card. Once you have everything ready, you can call us at 019-3559448.

  42. Zack says:

    So who can be my guarantor? Is there a rule to be guarantor? Can my fiances be my guarantor? T.q

    • admin says:

      The best guarantor is your parent (if they are still working). Your fiance should earn more than RM 1,500 per month.

  43. Zack says:

    My fiance earn more than 2.5k, so its not a problem right? What document should we prepare? And can u provide which bank should should I go with? T.q

    • admin says:

      Why ask so many question.. Are u idiot?

    • admin says:

      Hi zack! The comment was not done by us. We are sorry for any inconvenience this may have caused. Please note that your fiance can be your guarantor, it should be fine. He/She needs to provide a copy of his IC, 3 months pay slip and 3 month bank statements.

  44. fis says:

    gaji dlm 2550, berminat myvi xtreme…nk guna graduate scheme…ada di jhor..lpas tak? klu buat brapa lama ambil msa utk kluar kereta..ada charge lain kah?

    • admin says:

      Hi fis, kalau berminat, boleh hubungi kami di 019-3559448. Tiada cas tambahan dan kami boleh buatkan graduate scheme tuk tuan tanpa sebarang masalah. Cuma kalau boleh, call kami secepat mungkin kerana hari raya semakin dekat.

    • fis says:

      salam,

      boleh bagi quotation untuk extreme dan SE 1.5 Myvi tak?

    • admin says:

      Sorry lambat reply fis, adakah you masih berminat?

  45. Zack says:

    Im asking for help only, is that wrong? If not asking help then whats the point of making this forum? Am I right idiot?

    • admin says:

      Hi zack, that reply wasnt us! We are trying down to track down his ip address and get his details. If you realize, there is no sign of “MY” on its comment. Admin will get back to you with the answer to your question.

  46. Zack says:

    Ohh Ok.. Thanks a lot.. Plz let me know asap because im going to buy that 2nd car if possible before hari raya.. And because of my salary im getting trouble to get loan..

  47. fis says:

    salam,

    boleh bagi quotation untuk extreme dan SE 1.5 Myvi tak?

  48. Zack says:

    Salam admin, can u tell me which bank can provide graduate scheme loan? can u get me one? Im really looking foward to get this loan before Raya.. Maybe u can arrange something for me.. my salary 1500

    • Zack says:

      Sorry didnt read the reply before.. my mistake.. So can u email me info where should i go and meet who for next step to get my loan? Or can u arrange loan for me? Please let me know asap.. T.Q

    • Admin says:

      Hi there, all you need to provide us the copy of your IC, license, bank statement 3 bulan, pay slip 3 bulan. Dokumen penjamin juga diperlukan. Call saya di 019-3559448 dan kami akan arrange loan utk you.

  49. fadz says:

    Hye admin,

    Saya akan bekerja pada september nanti dan sdah mndpat offer letter dengan starting salary 3k. Saya grad tahun 2011.. Layak ker saya apply scheme ini? Perlukah saya mempunyai gurantor? Saya berminat untuk membeli myvi se 1.5

  50. Ali says:

    salam..
    boleh bg quotation tk proton preve x?tq!

  51. elaine wong says:

    hi,
    i just started working for 2 months now and wishing to know what is the interest rate for a myvi 1.3 EZi (49K) with 10% down payment as well as without down payment.
    looking forward to your responds.
    thanks.

  52. eta says:

    mak aihhh.. ramainya fresh grad nak beli kereta dasyat2.. saya nak yang instalment below 550.. persona purple ker.. hehe.. manual no prob.. kerja audit firm gaji 2.5k..

    • admin says:

      Kalau case you, persona purple metallic, monthly dalam RM 565 dengan down payment RM 0 dan interest 2.98%. Jika saudari berminat, boleh buat tempahan dahulu kerana stock baru belum masuk lagi bagi model ini.

  53. 5zal says:

    Nak tanya, graduate scheme loan ni leh apply kpd kereta 2nd hand? Mcm mana prosedur dia ek

  54. farida says:

    hi..sy student master dan bekerja sebagai research assistant dgn gaji rm 1500 bersih.
    Nak tau klau apply grad scheme kereta apa bley dapat?
    Also sy bleh bg 10% down payment..

    • admin says:

      Farida, mengenai status awak, awak mungkin perlukan penjamin. Jika awak berminat,you boleh apply saga flx standard atau Myvi 1.3 Standard.

  55. Bella says:

    Salam..
    can u please send me the graduate scheme’s quotations for preve executive and premium as well? i’ve just graduated and will start working in government sector after raya, with basic salary rm3700.. now i am considering the dealer who could give me the best quotation possible. thanks. =)

    • admin says:

      Wasalam bella, we have sent you the quotation with the details. Kindly let us know if you have any further question.

  56. mie says:

    salam admin…

    saya berminat dengan kereta toyota vios J auto baru (rm76k)…adakah lepas gaji saya tuk apply loan dengan scheme graduan…
    gaji pokok ialah rm2500, gaji bersih rm 2200…
    jika tidak lepas, bagaimana pula dengan kereta preve executive auto (RM63k)…adakah saya lepas buat loan under scheme graduan…

    -kerja sudah hmpir setahun
    -nak beli first car
    -mampu bayar 10% down payment

    sila hantar quotation kat email saya…
    -minta pandangan admin mengenai hal ini…
    terima kasih

    • admin says:

      Wsalam Mie, pihak kami sudah hantarkan quotation. Jika mie betul-betul berminat utk dapatkan model Toyota Vios, memang kami boleh usahakan. Akan tetapi, bayaran bulanan nya amat tinggi. Jika berminat utk dapatkan preve executive, ia mungkin mengurangkan bebanan tuan. Jika berminat, boleh terus hubungi kami di 019-3559448. Sila check email tuan utk quotation yang pihak kami berikan.

  57. faizal says:

    Hai admin, nak tanya kalau gaji bersih RM1300 nk apply loan ni bleh? Kereta ape sesuai utk gaji cm sy.. T.Q

  58. eiv says:

    Salam,
    Saya bru shj mnamatkan degree sy dan insyallah akn bkerja bulan dpn dgn basic 2500. Sy berminat dgn ford fiesta 1.4. Boleh kah sy guna skim ini dan berapa interest rate juga monthly payment bg model ini. Tq

  59. lea says:

    hai,
    i akan mula bekerja pd bln sept dpn dan basic salary sy RM1800 exclude OT.. do you have any advice kereta apa yg sesuai dgn gaji i?? tq.

    • admin says:

      hi Lea, secara jujur nya, jika lea inginkan keselesaan dan tidak dibebani dengan hutang diawal pekerjaan, kami nasihatkan saudari mengambil model viva atau saga. Jika you sanggup utk bayar lebih bagi kereta, you boleh ambil perodua myvi 1.3. Berminat?

  60. Aya says:

    I’m a fresh graduate, degree holder and I’ve completed my degree less than one year. However, I was just quit from my job on June. I’ve worked for almost 3 months in my previous company. On top of that, I don’t have 3 months pay slips and bank statements. And now I’m on job hunting. Am I eligible for this graduate scheme? Hope to hear from you soon. Thank you.

    • admin says:

      If you are currently unemployed, you are unable to apply for any loan. Unless your parent can be your guarantor. If you don’t have any guarantor, you need to wait until you get a job offer letter.

  61. WAN-GHOST says:

    Di mana saya boleh dptkan skim graduate car loan nie?? bley jelaskn pada saya dgn lbh details…

  62. Melissa Yap says:

    Hi,

    I actually graduated 1&1/2 years, do I still eligible for this scheme?? As I’m taking master perviously but for personal reason I have to stop and I got a job to start on September which is my 1st job. I got the offer letter and I desperately need a car. I’m thinking of getting a new myvi 1.5 or Honda city with 0 DP. It’s possible to get a loan with per month rm2500 salary?? Pls send me a quotation asap, tq..

    • admin says:

      Hi Melissa, with your basic, we would highly recommend you to get the Myvi 1.5. Easier for you to get the loan approval and also less maintenance cost compared to honda City. We have sent you the details for your reference.

    • Melissa Yap says:

      Hi,

      How about the toyota vios?? It’s possible.

    • admin says:

      If you are referring to model Vios J, we may be able to help you. Is it okay? Kindly prepare the document needed so that we can proceed with the loan application. Thanks!

    • Melissa Yap says:

      Can you pls send me a quotation to my email for Toyota Vios and Myvi 1.5, tq. By the way, what document you need to apply the loan and what bank is it??

    • admin says:

      Hi Melissa, we have emailed you the details. Kindly have a look!

  63. haz says:

    Hi,
    saya grad bln 2, dah hampir 6 bulan kerja dengan TM, basic RM2400. tetapi still under contract.
    i want to buy a used car from direct owner, but i cant apply loan using direct case nowaday…. i need a dealer to apply for the loan..
    Can i use Grad Scheme to buy from direct owner? please guide what should i do if possible…

    contact: 013-9237210

  64. S.Basheer says:

    Hi good day,

    I am Arab and i’m student. I got my scholarship 4000MYR/monthly. I have someone willing to buy me the car and settle the agreement with lawyer. I would like to know the quotation for Proton Preve.Please can you give the details? One more thing is, which one is better between Toyota Vios and Proton Preve? Thank you.

    • admin says:

      If you are unemployed, you need to have a local guarantor to support your application. The other requirement is that you need to provide at least 30% of down payment and also have a max of 5 years loan period.

  65. fadz says:

    Saya berminat dan ingin membeli dr pihak tuan, dokumen telah saya sediakan, tp bgaimana saya mahu proceed?

  66. joe says:

    Salam..sy dh berkerja dlm 6 bln dgn gaji rm 2200..berminat nk beli toyota vios type j..but i not confident either my loan can approved or not since my salary quite low..Can you pls send me a quotation to my email for Toyota Vios type j with black color..,

    • admin says:

      Salam, You ada penjamin tak joe? Berapa down payment you nak buat? Kalau guna grad scheme, mungkin boleh bantu. Cuma kalau you dapat bayar down payment lebih besar, ia lebih baik.

    • joe says:

      Penjamin 2 ada la..but i try xnak ada penjamin..in my hand now i ley bg downpayment rm 9k..n then next month my salary will be increse to rm 2400..so far loan boleh dpt x untk toyota vios type j

    • admin says:

      Hi Joe, if that’s the case, we might be able to help you with that. Do you have any document to prove that increment? Please contact us directly so that we can explain this in details. Thanks!

  67. abby says:

    Salam, saya baru sahaja bekerja dengan basic RM1800 tapi sangat berminat untuk memiliki Toyota Vios auto…boleh bagi advise dan layak ke saya guna scheme graduan ni?

    • admin says:

      Hi abby, berdasarkan gaji basic abby, maximum loan you boleh apply mungkin dalam range 40-50k sahaja. Perodua Myvi you tak berminat?

    • abby says:

      My sister dah beli myvi so saya nak beli kereta jenis lain pula. Yeke? Memang tak boleh lah, apa requirement untuk beli kereta pilihan saya tu? Mohon penjelasan. Terima kasih admin.

    • admin says:

      Proton Saga atau Proton Persona you berminat? Kalau you mahu beli kereta berharga RM 50k ke atas, you perlu sediakan penjamin.

    • abby says:

      Berminat juga…kalau proton saga yang FLX 1.6 tu boleh tak..nanti send la quotation kedua2 kereta ni..TQ

  68. Ali says:

    sy ingin meminta pendapat admin..gaji bersih sy dlm lingkungan 4.2k..kereta apa yang sesuai utk my first car nnt..really appreciate your opinion..tq!!

  69. admin says:

    Bagi kami, kami akan recommend tuan mengambil kereta dengan bayaran bulanan tidak melebihi 1/3 daripada gaji bersih. You boleh apply loan up to RM 120-130k berdasarkan gaji you.

    • Ali says:

      owh..sbb sy tgah berkira-kira either nk ambek honda city or kia forte..so tgah survey2 lg..nway tq for your response!

  70. Eric says:

    Hi admin, I’m a fresh grad already work for 5 months with first 3 months RM2000 salary and now raised to RM2500 basic not included all other allowance. I have a car under my name but bought by my family. Now wanted to apply for a 63k 2nd car. Kia forte with 3 years warranty left. Am I able to get this loan? Please advise. =)

    • Eric says:

      Admin, I prefer talk on the phone, pls email me for my number. Looking for fast approval loan and serious loaner here. =)

  71. kimi says:

    Hi there,

    I’m a Diploma holder and graduated on Feb 2012 and my net salary is rm1600.
    Is my salary qualified to get Saga FLX 1.3 Executive AT (S)or Persona 1.6 Standard (M). Thanks!

    • admin says:

      Hi kimi, we would advise you to get 1.3 Executive based on your current pay. Kindly check your email for more details. Thanks!

  72. addy says:

    sy bekerja dgn GLC. Gaji bersih RM2200. Layakkah sy beli kereta civic 1.8 tahun 2010 secondhand berharga RM97000. Sy cuma ada deposit RM10000.Layakkah saya memohon loan sebanyak RM87000. Sudah bekerja 5 thn.

  73. faten says:

    Hi :)
    Boleh saya dapatkan quotation:-
    1) Saga (Executive 1.6L and Executive CVT)
    2) Preve (Premium and Executive)
    3) Honda City (Grade S)

    Thanks :D

  74. faten says:

    *quotation for a graduate scheme + guarantor (RM 2500 monthly salary)

    thanks :)

  75. iqah says:

    salam,

    saya sudah bekerja 2 bulan tapi convo bulan 11…my basic salary RM1700.00
    I prefer to buy pesona b-line auto sebab pesona model tu jer kan ada stock..
    and i also interested to buy Suzuki swift auto…which one is better and suit with my salary?…tq

    • admin says:

      Wasalam Iqah, we’d advise you to get the Persona but you may also need to provide a guarantor as your basic doesn’t meet the minimum requirement. Kindly check your email for more information on the monthly payment details.

  76. lisa says:

    salam….

    saya baru habis belajar. akan start kerja 27/8 ni… dan sudah dapat offer letter, gaji 2K dan saya nak beli Myvi 1.3 . boleh sy tau kalau apply guna graduate scheme ni ada ape2 charge lain ke dr dealer atau bank masa saya nak beli tu? minta penjelasan

    • admin says:

      Wasalam lisa, you boleh gunakan perkhidmatan kami. Tiada masalah dan tiada cas tambahan. Cuma dengan scheme ini, you perlu bayar one month advance payment, dimana bayaran bulan pertama perlu dibayar lebih awal ketika agreement ditanda-tangani. Hubungi pihak kami jika lisa berminat utk membeli daripada pihak kami. Thanks!

  77. THAMILVILI GOBAL says:

    Hi, Good Day!!!
    1.Let’s say I want to buy a vios (j)-auto with a zero down payment,is it possible? I’m a fresh graduate and working. Can you send me the monthly payment + with the interest… My monthly salary is 2k only..

    2.If I choose Myvi 1.5 Extreme(M) Auto.. with zero down payment as well… how does the monthly payment would be???
    thank you..

    • admin says:

      Hi there, based on your pay, we would highly recommend you to take Perodua Myvi. Otherwise, you need to provide a guarantor. Kindly check your email for more information.

  78. ingin bertanya says:

    salam

    saya ingin membeli kereta preve 62k tu..keje kerajaan…gaji bersih 1800 sahaja dalam slip gaji..kasar kasar 2k++ dah macam2 tolak termsk personal loan..pastu ada masuk dalam asb…lepas tak kalau nak beli kereta preve..sy keje kerajaan…..ada tak pembayaran kereta sehingga 10 tahun tanpa potongan biro angkasa…dengan bank rakyat….sbb tak mau potong kalau beli kereta kat sip gaji..kalau kat bank x pe la….tlg hubungi sy

    • admin says:

      Wasalam, jika you berminat, kami boleh cuba bantu. Adakah ini kereta pertama tuan? Tempoh pinjaman maximum adalah 9 tahun sahaja. Hubungi kami di 019-3559448.

  79. syuhada says:

    Sy da habis belajar tp sy kerja part time..every weekend jew dan sy x ada pays slip jp ble kew sy guna skim nie…sy bercadang nak beli kereta myvi..ble x anta kan kat email sy tentang kos semua pembelian dengan interest nyew sekali

  80. Zaini says:

    Saya telah bekerja di sebuah badan berkanun selama 1 1/2 tahun tp berjawatan kontrak.gaji bersih saya rm3k++. layak ke saya gune skim graduan ni?saya berminat dengan toyota vios..boleh bg quotation?tq

  81. sue says:

    sy baru dpt keje dan dah ade offer letter. basic 1900
    +allowance=Rm2300(NET)….sy nak gn skim graduan. sy bercdg nak buat payment yg x lebih dari rm600 sebulan, dan berminat dgn MYVI Extreme….tapi utk extreme ni ansuran bulanan dalam rm600+++ kan…bleh tak saya dapatkan quatation tuk myvi dan jg viva (auto).tq

    • admin says:

      Hi sue, pihak kami telah email you quotation seperti yang dinyatakan. Hubungi kami jika berminat utk membeli dari pihak kami.

  82. suhaiza says:

    salam admin..
    baru jer bekerja selama 3bulan..kerja kerajaan (guru) gaji basic saya rm 2222.49 cmpur elaun dapatla dlm rm2600 lbh..
    saya berminat utk membeli kereta menggunakan skim graduan..
    saya berminat utk membeli kereta toyota vios 1.5 J (AT) atau toyota vios 1.5 E (AT)..
    adakah sy layak? bolehkah tlg emelkan detail mengenai kedua2 kereta ini..n klu sy layak utk mdpt skim graduan ini..brpkah byran bulanan yg sy perlu byr utk kereta vios auto ini dan berapakah interestnye?

    harap admin balas..
    thank you

    • admin says:

      Wasalam, berdasarkan gaji bersih saudari, berkemungkinan saudari perlu sediakan penjamin jika saudari betul-betul berminat utk mendapatkan model ini. Quotation telah dihantarkan ke email saudari utk rujukan.

  83. Zaini says:

    Salam admin..saya telah grad pada 2010 dan telah bekerja di sebuah badan berkanun selama 1 1/2 tahun tp berjawatan kontrak.gaji bersih saya rm3k++. layak ke saya gune skim graduan ni? saya berminat dengan toyota vios 1.5J (AT) dan avanza 1.5E (AT)..boleh bg quotation?tq

    • admin says:

      Wasalam Zaini, tiada masalah jika you ingin dapatkan pinjaman penuh bagi model ini. You boleh check email you utk maklumat lanjut. Thanks!

  84. moin says:

    hello admin..saya pemegang dip dengan basic 2k,nerminat untuk beli kereta n this is my 1st car.biasanya loan bole pegi smpai bape untuk basic ciput cani.. n bole x bagi cadangan kereta yang paling sesuai dan layak untuk basic gaji seperti di atas,, tq..

  85. Ratha says:

    I do have Offer letter and would like to buy Non-Local Cars (mayb SWIFT) with 10% down payment. Do sent me the quotation.
    Thank you.

  86. izz says:

    Assalam and good day.
    Saya degree holder, dah kerja ngan private sector. berminat nak beli 1st car. Saya target maybe vios J auto, kia forte 1.6SX, atau preve premium.
    gaji is around RM 2k lepas tolak kwsp, asb and benda2 lain.
    Would like to know lepas x saya nak beli salah satu kereta ni? berapa ye bayaran bulan2 dan interest rate kalau amek yang zero downpayment graduan scheme tu dan juga kalau letak 10% dpayment.

    • admin says:

      Wasalam Izz, we have sent you the quotations for all models. Kindly let us know which model you are interested with. Thanks!

  87. WMWM says:

    Saya baru grad bulan julai dengan ijazah perubatan (MD). belum ada offer letter tapi dijangka akan bekerja 2 bulan dari sekarang.bolehkah sy membuat pinjaman ini dan sy perlukan penjamin atau tidak..berminat dengan corolla altis.

    • admin says:

      Kalau you belum mendapatkan sebarang offer, yes you perlu ada penjamin. Tempoh waiting period bagi model ini juga adalah 2 bulan. Jika saudari ingin membuat tempahan dahulu, ia amat digalakkan. Terima kasih.

  88. lily says:

    hi admin.
    i’m interested to buy suzuki alto or hyundai i10 by using this loan scheme.can i have the quotation for both cars.

    • admin says:

      Hi Lily, we could help you in getting the car but at the moment, we don’t have the quotation as we rarely sell this model. Kindly prepare the following documents:

      1. Copy of IC
      2. Copy of License
      3. Copy of Bank Statements (3 months)
      4. Copy of Pay Slips (3 months)
      5. Copy of degree/diploma slip

  89. Khai says:

    Hello…

    My wife berminat nk trade in myvi SE 2008 dgn honda city 1.5E 2012. Gross salary around 4000 and nett around 3000. Brape % interest rate yg blh dpt utk 10% d/p and 9 years loan? Another thing, for the myvi, how much blh dpt utk 2008 SE, mileage around 95000?

    Pls email the quotation if any info.

    Tq…

  90. WMWM says:

    Boleh tak saya nak quotation utk honda city, toyota vios, corolla altis dan elantra?

  91. WMWM says:

    and one more thing..do i need to pay the downpayment?

    • admin says:

      As for the down payment, it would be much better if you can pay some amount of down payment. What’s your expected salary?

  92. lily says:

    Thanks for the quick reply.actually i dont have the pay slip because i just finish my study and not yet start working.but already been offer a job and still waiting for offer letter.that is why i would like to use the shceme.

    • admin says:

      Hi lily, once you have the job offer letter, then you can apply for this scheme. Otherwise, you’d need to have a guarantor. Thanks!

  93. Shahrul says:

    Salam. Saya baru start kerja 4bulan di CIMB Bank dan gaji bersih saya dalam RM2400.00 sebulan. Saya fresh graduate dari Uitm dan berminat untuk pinjam full loan for perodua myvi SE auto. Tapi umur saya baru 20tahun. Boleh ke apply without guarantor with this scheme? And okay ke apply for myvi dengan gaji saya macam tu? Really need your assistant. Thank you.

    • admin says:

      Wasalam Shahrul, boleh tiada masalah. Kami boleh dapatkan pinjaman bagi pihak tuan melalui skim graduasi. Sila check email utk maklumat lanjut. thanks!

  94. Shada says:

    hye..
    Saya berminat untuk beli vios J auto full loan.. Salary RM2413. Sudah 11 bulan berkerja dengan GLC tapi status kontrak. Kontrak saya akan renew 1hb oktober 2012 since my contract will expired on 30th sept 2012. Saya sudah 2 tahun grad. Umur 27tahun untuk degree.

    • admin says:

      Salam Syada, berdasarkan maklumat yang diberikan, you may need to provide a guarantor because of your contract working status. Feel free to call us at 019-3559448 if you need further consultation. Kindly check your email for more information.

  95. fareed says:

    salam… ingin minta pandangan dr pihak tuan sama ada layak atau tidak sy membuat pinjaman melalui skim ini utk Toyota Vios 1.5J (AT)dengn detail seperti berikut:

    1) Graduate Degree tahun 2009.
    2) Graduate Master pada oktober 2012.
    3) Tidak pernah membuat pinjaman kereta.
    4) Kerja Swasta (private school).
    5) Baru bekerja 6 bulan (status: tetap).
    6) Gaji RM2200 (mengikut kelayakkan Degree, sebab masih belum graduate master)

    * Adakah sy layak? Tanpa penjamin? Terima Kasih…

    • admin says:

      Wasalam, jika loan tanpa penjamin, mungkin chance utk dapat kelulusan adalah 50-50 kerana minimum gaji bersih adalah dalam range RM 2k bagi model ini. Jika you berminat utk try submit dokumen tanpa penjamin, kami boleh cuba bantu. Hubungi kami di 019-3559448 utk maklumat lanjut. Thanks!

  96. hafiz says:

    salam.sy baru start keje swasta.gaji rm1500+elaun rm200.sy nak amek myvi 1.3 auto dgn scheme nih.sy fikir nak yg 0 downpayment.jadi sy nak tahu sama ada sy layak ke tak dan ape yg perlu sy lakukan.

    • hafiz says:

      boleh bagi hint skit tak.model ape yg layak utk certain2 salary.dan bulanannye brape kene bayar.

    • admin says:

      Wasalam Hafiz, minimum gaji utk apply loan kereta tanpa penjamin adalah RM 1,500. Jika you berminat, kami boleh dapatkan pinjaman melalui skim graduan. You boleh hubungi kami di 019-3559448 jika tuan berminat. Sila check email utk rujukan. Thanks!

  97. yus says:

    salam
    saya berminat nak amek neo 1.6 cps..nak amek full loan..basic 1.8k,tp baru stat keje bulan ni..lpas x kalo saya nak amek loan tuk keta ni?baru ada ofer letter,tp xda slip gaji 3bulan

  98. Miu says:

    Hi,

    I have few questions regarding buying my first car. Read from your website that you offered graduate schemes, just want to check if I am eligible to pass the minimum requirement.

    1) I am 24 yeard old, graduated on October 2010. Working for 2 years already.

    2) Currently I my salary is RM3000, my net salary is around 2.6k. My current commitment is, I have personal loan RM460/month + Credit card usage average RM200/month.
    I am interested in Ford Fiesta. If not, what is the car price range/car types that I can buy?

    Thanks!

    • admin says:

      Hi Miu, if you are interested in getting Ford Fiesta, it should be just fine. Please contact us at 019-3559448 to discuss further on this. Kindly prepare the following documents: Copy of IC, license, pay slip 3 months, and bank statements 3 months.

  99. farkhan says:

    saya nak tanya..saya baru kerja 3minggu..gaji rm2100..gaji nett around 1800. kalau nak loan untuk honda jazz tahun 2005 harga range 50k-60k lepas tak?..ayah saya penjamin kerja kerajaan gaji nett rm3500..boleh bagi penerangan sikit. :) thanks

    • admin says:

      Kalau used car, cara pengiraan dea lain skit. Jika you ada penjamin, mungkin tiada masalah. Cuma interest nya jauh lebih tinggi

  100. Isaac Lem says:

    Hi,
    I am just graduated while waiting for my offer letter from my companies. Starting salary is 3.5k and I am interested to get a Honda City 2012. I can get my dad to be my guarantor and hence I wondering if its possible to pay zero downpayment? Can you please send me the details under this scheme?

    Thanks and your kind assist is highly appreciated.
    Looking forward your positive feedback.

    • admin says:

      Hi Isaac, we have emailed you the details. Basically, you don’t need to have a guarantor but you do need the offer letter from your company. If you would like to purchase before getting the offer letter, your dad has to be your guarantor.

  101. Ramli says:

    Saya nkbeli kereta saga flx yg standart manual..boleh hantarkan detail ke email saya? saya baru bekerja sbulan

  102. aan says:

    hello,i’m interested to buy a suzuki swift 1.5GX. i just start working and my basic is 2k. i can pay downpayment around 10-15k. i can get my dad as a guarantor. can you email me further details regarding this scheme. thanks in advance.

    • admin says:

      Hi aan, if you are able to pay the down payment and have a guarantor, you should be applying for a normal loan. Should you be interested to proceed with the loan application, kindly prepare the following documents:

      1.Copy of IC
      2.Copy of License
      3.Copy of bank statements (3 months)
      4.Copy of Pay slips (3 months)
      5.Copy of degree/diploma slip

  103. Raj says:

    Hi,im interested to buy toyota vios 1.5g limited(88k).i wana know wnether tis scheme is applicable for non-local cars.my salary is rm1400 basic but can earn up to rm2k?kindly email me the details

    • admin says:

      Hi Raj, do you have a guarantor? Your net pay doesn’t meet the minimum requirement and we’d advise you to find a guarantor to get an easier loan approval.

  104. amin says:

    Hi, i baru graduate and start kerja this month, gaji basic rm1600, boleh u suggest kereta apa yg sesuai utk saya. kalau saga flx auto boleh dpt ke guna skim graduan tnpa penjamin ni? Thnks

    • admin says:

      Hi amin, boleh check email. Kami suggest you utk beli model saga flx auto standard jika tuan berminat. Boleh hubungi kami di 019-3559448

  105. wmwm says:

    Saya sudah hantar email ke pihak tuan malam tadi. Sangat mengharap pihak tuan membalasnya..

  106. Nicholas Ling says:

    Hi, I am 24 yrs old this year. I was Working in Singapore the past 4 years and only returned to Malaysia in January. I started work for MSIG in MArch -15th June, and on 18th June switched to ACE Jerneh till now. Basic is RM3K.. latest payslip+Commission is RM6K Gross. Only 1 Prob, i got no driving license. I’ve applied thru Public Bank and Ambank before, but they req for a guarantor, i cant provide one cause parents are no longer around. I have a brother working in Aus and 2 sisters still studying. Pls advice.. And i really need a car in Malaysia as it is really inconvenient without 1.

  107. veen says:

    hi admin, i just start working with basic salary of rm2600 and wish to get a new car under the graduate scheme. can u please send me the quotation for saga 1.3 executive and 1.3 myvi premium together with the monthly payment for both of these cars. thanks..

  108. Nick says:

    Salam.
    Saya bekerja dengan TM dibawah agensi pekerjaan (leasing),kontrak boleh diperbaharui setiap 6 bulan, basic 1200, Ot/Claim/mileage boleh dpt dlm 15xx-2xxx. (kerja outstation)
    Saya berminat dengan Myvi 1.3 AT.Jika menggunakan skim graduan, adakah saya perlu menyediakan guarantor?
    Thanks in advance.

    • admin says:

      Hi nick, based on your salary, you need to provide a guarantor. Sila check email you utk maklumat lanjut. Thanks!

    • admin says:

      Wasalam Nick, yes you perlukan penjamin kerana gaji bersih you tidak memenuhi syarat. Jika you berminat, you boleh sediakan dokumen penjamin sekali.

  109. faiz says:

    say sudah bekerja selama setahun lebih dan sekarang berminat membeli use car (2nd hand) vios model lame berharga RM40,000. Basic salary is RM2,560 and plus if campor OT..and sy bercadang untuk bayar downpayment RM13,000 supaya bulan below RM450. Adakah saya layak tuk mohon scheme ini dan berapakah interest rate bagi use car tuk bank islam.

    • admin says:

      Salam Faiz, you tidak perlu apply graduate scheme utk membeli kereta ini kerana you juga akan membayar down payment yang tinggi jumlahnya.

  110. mike says:

    salam..
    saya bercadang ingin membeli vios e dengan downpayment 10 000. saya berpendapatan 1800 bersih. adakah saya layak menggunakan skim graduam disebabkan saya dah bekerja setahun? dan jika ada quotation diharap dapat membantu. sekian

    • admin says:

      Hi Mike, we have emailed you the quotation. You may need to provide a guarantor based on your case. Kindly late us know if you are interested dan pihak kami akan cuba bantu.

  111. arfiey says:

    hai.sy baru start krja bulan ni.gji brsih 2k,looking for persona dan sy dah apply loan under this scheme.tp baru je dpt call dr pihak bank yg ckp tak dpt proceed loan sbb compny income tak melebihi 100k.sy rasa sy dah mmnuhi semua syarat lain,cuma bab compny income tu je yg tak lepas.jd sy nk tnya kalau pihak admin dpt mmbantu.tq.

  112. phang says:

    hi,
    i am a fresh graduate, i wish to purchase a saga flx 1.3 under this scheme. i just receive an offer of job for basic salary 1,600. can i have some detail about it ? thank.

  113. faiz says:

    Saya baru sahaja bekerja 2 bulan dan tamat sebagai graduan bulan april 2012
    Gaji bersih 2k.
    Boleh tak apply untuk mohon kereta swift?

  114. Arel says:

    Saya adalah fresh garaduate dan baru start bekerja dgn gaji sebanyak rm2.5k.Boleh saya apply scheme ini untuk kereta model Honda City(A) atau Honda CRZ(A)?kalu tidak boleh,berapa minimum gaji yang biasanya diterima untuk membuat loan ini?boleh saya dapatkan detail tentang perkara ini?. terima kasih.

    • admin says:

      Hi, berdasarkan gaji you, you boleh dapatkan honda city S, dan bukan honda crz. Jika berminat, sediakan dokumen seperti berikut dan emailkan kepada pihak kami:

      Copy of IC
      Copy of License
      Copy of bank statements (3 months)
      Copy of Pay slips (3 months)
      Copy of degree/diploma slip

    • Arel says:

      tq 4 reply..erm,saya belum ad 3 month payslip lagi,boleh saye apply graduate scheme ni?jika Honda crz,adakah saye perlukan penjamin?

    • admin says:

      Jika you ingin mengambil CR-Z, you perlu dapatkan penjamin kerana gaji basic you tidak memenuhi syarat. You boleh apply graduate scheme jika you sudah berkerja at least sehari. Hubungi pihak kami jika tuan berminat.

  115. Athirah says:

    Hi,
    Saya berminat nak beli Proton Saga 1.6 FLX CVT melalui skim graduan. Saya grad 2011 dan baru start kerja sebulan under contract for 1 year with salary RM 1550. Can I apply for it? Please email to me the details. Thank you.

    • admin says:

      Hi Athirah, we have sent you the quotation as requested. It would be better for you to provide a guarantor, otherwise it may be hard for you to get the loan approval.

  116. sridhar says:

    Hi,

    I’m expatriate and working here nearly 3.5years in IT industry, Is it possible can I get the new car loan, and let me know the down payment details and interest too.

    btw my net salary: 5000+

    Thank you.

    • admin says:

      Hi there, yes you can apply. The requirement that you need to fulfill is as follow:

      1. Copy of Visa/Passport
      2. Copy of driving license
      3. Copy of Pay slips (3 months)
      4. Copy of Bank Statements (3 months)
      5. Pay at least 30% down payment
      6. Maximum loan tenure is 5 years

  117. mohamad hakimi says:

    nak tanye.. saye nak beli kereta myvi second dan sya masih study … saya ade penjamin.. tp name blacklist.. boleh ke sya pnjam dngn penjamin nama blacklist?

  118. mohamad hakimi says:

    tmabh skit lg.. sya nk beli
    krete myvi 2nd hand
    nak bwat loan around 12k
    bulanan nak around 250
    down payment bwat 3k

  119. Man says:

    Hi. I want to ask.

    I work in MARA (Majlis Amanah Rakyat) as a contract. Renew yearly basic.
    My salary is RM2K per month. It eligible for me to buy Perodua Viva with 10% downpayment.

    Thank You

    • admin says:

      Hi Man, it should be OK. I pass through MARA every day and kindly let admin know if you would like to meet to discuss further on this. Kindly provide the following documents:

      Copy of IC
      Copy of License
      Copy of Bank Statements (3 months)
      Copy of Pay Slips (3 months)

  120. hamzah says:

    hello admin,

    Sy graduate yg dah bekerja selama 6 bulan. Gaji saya RM2100 dan bersih RM1900. Saya bercadang utk membeli Perodua MyVi. Anggaran kasar komitmen bulanan ialah RM500 – RM550. It is possible?

  121. abd. rahim says:

    salam and greetings,

    I’m just started working with basic RM2600. need ur quotation if i wanna buy proton saga Flx 1.6 cvt special edition using graduate scheme. please check the price for me. tq

    • admin says:

      Wasalam, pihak kami sudah emailkan quotation ke email anda. Sila hubungi kami jika tuan berminat untuk membeli daripada pihak kami. Thanks!

  122. farey says:

    hi. I bekerja as sales engineer. Want to trade in my satria 2002 car. Is it possible? My basic is 2000. Plus elaun fuel 300 and car maintenance 300. If i want to buy honda city s layak ke? I m married and tiada tanggungan or hutang. Do my husband need to be my guarantor? His salary is 3.5k

    • admin says:

      Hi farey, lebih elok jika your husband dapat menjadi penjamin you utk mendapatkan kelulusan pinjaman dengan lebih mudah. Berapakah anggaran bayaran down payment yang ingin saudari bayar?

  123. Yana says:

    Hi… sy nk bertanya mengenai skim graduate. Thn lepas sy ada membeli saga fl untuk ayah tp mgunakan nama sy krn ayah sy x dek slip gaji. Skrg sy berminat nk beli Swift ttp sy nk mggunakan skim garduate krn bermasalah utk mbayar d/payment.If sy x dpt guna skim ni dan nk gne skim biase tp 0 d/payment montly sy brape agakny kne bayar. Sblm tlupa gaji sy 25++.

    • admin says:

      Hi Yana, jika you telah beli kereta pertama di atas nama you, itu sudah dikira sebagai komitmen saudari. Mungkin agak sukar utk saudari dapatkan kelulusan tanpa sebarang penjamin.

  124. Raihan says:

    Hai, saya nak tny.. hanya berasakan job offer letter sahaja, bolehkah saya mangambil skim graduan ini? Saya fresh graduate yg tggu untuk grad bulan 10 nie.. adakah saya memerlukan penjamin juga? Dengan gaji RM1500, bolehkah saya mengambil kereta myvi?

    • admin says:

      Hi Raihan, you perlukan penjamin jika you ingin memohon pinjaman. Gaji bersih saudari tidak memenuhi syarat kelayakan. Sila hubungi kami di 019-3559448 jika you berminat.

  125. atiq says:

    hai,sy nk tnye..bos sy nk bli kereta vios 2nd hand..basic 1.5k,gaji bersih 2k..boleh ke apply 100% loan? dan ape dokumen yg dperlukn..kerja swasta

  126. an says:

    salam,saya dah 3bulan bkerja. saya berminat nak beli suzuki swift gx. downpayment 10%. boleh email saya quotation? terima kasih

  127. vimal says:

    Hi admin, i’m a fresh graduate, and i have worked for 3 months plus, and my salary is RM1800.00, after epf/socso is RM1560.25…am i eligible to get loan? What car would you suggest me? I’m able to pay 10% of downpayment as well.

    • admin says:

      Hi Vimal, we have forwarded the details to your email. We have listed out 3 models that you might be interested with. Ring us if you have further information.

  128. saiful says:

    Hi,

    Gaji bersih saya 1.4k sebulan tapi nak beli kereta 2nd hand harga 28k.Boleh tak dapat 100% loan?Terima kasih.

  129. shahrul izmir says:

    As salam. Sy nk tanya kalau sy nk beli kereta proton inspira 1.8 mt dgn basic gaji sy RM2500.00. Tp sy ade bt home loan dgn byran sebyk RM570.00. adakah sy layak utk bt gradute scheme lg dgn komitmen yg ade skang dan umur sy thn 29 thn. Disamping itu juga isteri sy adalah kakitgn kerajaan tp namanye blacklist sbb loan kereta.

  130. aifa says:

    assalamualaikum..

    saya sebagai ifa yang baru berusia 25 tahun merupakan lepasan ijazah.. saya berminat ingin membeli kereta toyota vios.. setelah melihat tawaran yang dibuat di dalam website anda.. beberapa soalan ingin saya bertanya.jika saya ingin membeli toyota vios,:

    automatic choices:
    vios 1.5J (non – mentalic)
    100% loan.. untuk tempoh bayaran balik 9 tahun…

    dengan basic salary : rm2150..deduc :EPf & Socso.Nett Salary: Rm1901.25..
    tiada commitment lain kecuali PTPTN, monthly rm100 dgn jumlah pinjaman rm15000…

    1. Adakah saya layak untuk memohan pinjaman kereta vios ini?
    2. Berapa jumlah wang yang harus saya keluarkan semasa ingin membeli kereta jika saya membuat 100% pinjaman? etc:wang pemprosesan document & insurans…..
    3. Jika say sertakan penjamin seperti bapa saya, adakah bank boleh mempertimbangkan…

    Sekian Terima Kasih

    Ifa..

  131. nadia says:

    Admin,sy tamat blaja pada jun yg lalu.dan telah bkeje selama 2bln.tapi sy telah berhenti sbb nk smbg master.sy betul2 memerlukan kenderaan utk pergi ke kelas.mcm mane ye?situasi mcm sy ni blh mohon atau tidak.

    • admin says:

      Salam Nadia, you sepatutnya apply loan kereta dahulu before sambung master. Jika you sudah berhenti keje, you mmg perlu ada penjamin sama ada ayah/ibu/adik beradik yang masih berkerja yang berpendapatan tinggi dan tidak mempunyai komitment yang tinggi.

  132. Mizan says:

    Salam admin. saya dalam dilema sama ada dalam memilih kereta ni. saya sukan kereta jenis suv. tp kebanyakkan mcm mahal. yg berkenan di hati cuma honda crv je….honda accord pon suka jugak tp mcm org tua je design. syg baru graduate awal tahun ni. basic salari rm4.5k not include allowance. saya ade subcon job dgn ipta as part timer, salary dlm rm2k… mostly salary per basic dlm rm6.5k… masalahnyer yg part time tu contract je 2 tahun…bank kira x seme tu masa apply loan? nk buat loan dalam 7 tahun jer… layak x nak buat loan under scheme ni….?

    • Mizan says:

      mostly typo…. sori tau

    • admin says:

      Wasalam, bagi admin, you akan rugi banyak kalau you beli kereta mahal menggunakan skim graduasi. Interest nya tinggi dan lebih elok you beli kereta yang lebih murah seperti honda city, toyota vios, naza forte atau yang setaraf dengan nya.

  133. Safura says:

    Salam,

    Nak tanya kalau xda lesen blh ke buat pinjaman ni?

    • admin says:

      Wasalam, boleh, tetapi you perlu berikan lesen suami/ayah. Jika you berminat, you boleh hubungi kami di 019-3559448.

  134. iyla says:

    hye, i just want to ask whether i may use graduate scheme for second hand car if i want to buy it as my first car?

    the other question is, whether i can apply for graduate scheme if i dont hav full transcript yet but already receive an offer letter and working for 1 month? because i straightly working at the same company as my place for internship. TQ

    • admin says:

      Hi there, please note that this scheme is only for new cars. If you are planning to purchase a new car under this scheme, you should be OK.

  135. iyla says:

    if my salary is Rm 2500-epf n socso = RM 2150. and i want to pay the monthly around RM 400 only. Which car i applicable for? i dont want to buy saga or viva. TQ

    • admin says:

      Hi there, by right, your loan should be around RM 35k. The cheapest you can find is Saga and Viva. You can get myvi, but the differences should be your down payment.

  136. iyla says:

    do i applicable to buy a myvi? and which type is the most cheapest with 0% down payment? and how much monthly installment should i pay?

    what if, i dont want to use the graduate scheme but normal scheme instead? what documents should i hav if i want to apply?

    • admin says:

      If you haven’t worked for at least a year, you have to apply the loan under this scheme. You should get the Myvi Standard Auto (S). That’s the cheapest variant for Myvi. Should you be interested to proceed with the loan application, kindly provide the following documents:

      Copy of IC
      Copy of License
      Copy of Bank Statements (3 months)
      Copy of Pay Slips (3 months)
      Copy of Degree/diploma slip

  137. anis fatina bte mat saleh says:

    salam, saya nak tanya. saya berminat untuk mengambil MyvI SE 1.5 (Auto). saya baru je start keje dan gaji saya hanya RM 1950. But my net salary is about Rm 1750. Kalau boleh saya nak apply skim graduan, nak yang 0 down payment and tak nak penjamin. apa pendapat admin ye

    • admin says:

      Wasalam, kalau you berminat dengan model ini, mungkin tiada masalah. Kami sudah emailkan quotation ke email saudari untuk rujukan.

  138. giv says:

    salam.. nak tanye kadar interest untuk skim graduan ini jika pinjaman bank bawah 45k adalah 3.1, betul ke?? then masa sign agrement dgn bank kita perlu bayar insuran n sebulan payment??? betul ke?? just confius dgn 0 downpayment..

    • giv says:

      lupa bgtau, ni kes pnjaman untuk beli kereta baru..

    • admin says:

      2.98% bagi local cars, you ambil bank mana? Sebulan payment adalah advance payment sebulan which you have to pay at the beginning. Hence, the next payment should be two months after you’ve received the car.

    • giv says:

      bank islam.. they said for insurans rm2++ need to pay during sign agreement.. so, interest 3,1 ke 2.98??

    • admin says:

      Interest should be 2.98% at least for our bank Islam panels. The insurance is one time payment that is catered for your death or disability.

  139. yon says:

    Hi , I m now work as sales in a Multinational company from japan.
    net salary around 2.7k. I would like to get Kia Forte 1.6sx.
    can I know am I eligible for this loan ? for full loan ?

    please advice.

    thanks you very much.

  140. sara says:

    hy sy baru bkrja xsmpai sbln. offer letter da ada. bsic rm1800. trmsuk allowance n gross around 2.8k. sy nk apply honda civic blh ke? or city? email me pls asap

    • admin says:

      Hi Sara, kalau honda city, mungkin possible tapi proses dapatkan kelulusan itu agak sukar kerana basic you yang rendah. Kami telah emailkan quotation ke email saudari jika you berminat.

  141. Naqiu says:

    Hello admin,

    I just want to ask can i eligible to apply under this scheme to buy SAGA FLX 1,6 if my parents already buy car for me during my study at university under my name.

    Furthermore bank islam will look on gross salary or nett salary for requirement.

    Hope can get the answer as soonest as possible

    • admin says:

      As long as your name is not stated your name, you are still eligible to apply for the graduate scheme. Which car are you planning to get?

  142. Shaeraine says:

    Hello

    I graduate as a doctor. And going to start work. So I want to buy this 2nd hand BMW 320i 05-07 model. Price around 90k. I can put dp around 10k..

    Is it good enough ?

    Can I know which bank to apply this fresh grad loan ?

    Thx u

    • admin says:

      What’s your net pay? We would recommend you to get new model instead because the interest rate is high for 2nd hand model. The maintenance is also really high, this may not favor you in the long run.

    • Shaeraine says:

      My net pay is rm6k. If new car wats the max loan I can take.

      But what’s the interest rate for 2nd car ? 2.78%??

    • admin says:

      Interest rate for 2nd hand car should be around 3.5-3.8%.

  143. Farhan says:

    Hi,

    Sy sudah bekerja 1 tahun 6 bulan n my status now is a permanent employee. Gross income rm4100/rm3700 net. Sy berminat dgn Civic 2.0 Navi. Layak x sy nk apply graduate scheme with 0% down payment? Kalu layak boleh hantarkn quotation. Thanks.

    • admin says:

      Hi Farhan, yes you layak. Cuma ia mungkin tidak berbaloi utk membeli model ini menggunakan grad scheme kerana interest nya yang tinggi. Jika you memilih Honda City, ia mungkin lebih sesuai dengan gaji yang dinyatakan. Interest utk grad scheme adalah 2.88% dan sila hubungi kami jika you berminat.

  144. cik fiona says:

    hai…sy berumur 30 tahun dan graduate diploma.bolehkah saya join promotions ni.dengan bayaran downpayment rm15000 fot myvi se 1.5.tp sy tgh menyiapkan lesen penuh P.bolehkan sy menggunakan lesen L utk mendapatkan kerta

  145. hazwan says:

    Salam, saya dah kerja hampir setahun, tapi gaji basic rm1300. Saya nk beli persona elegance standard (m) baru dgn letak deposit 10%. Boleh lulus ke loan tanpa penjamin atau perlu penjamin? Please send me the quatation also. TQ

  146. vigna says:

    Hi,

    My salary is rm2000.00, my net pay is rm1750.00. I’m looking for vios/kia forte/honda city. would like to trade-in iswara aeroback (m) 2004 model + 10% downpayment. My staff status is permanent staff and i have been working for 5 months plus. is it possible for me to get wish list car?

    • admin says:

      Hi there, the maximum loan you can apply for should be no higher than RM 50k-60k. If you are interested to get a vios, you need to provide a guarantor. Is that possible?

    • vigna says:

      guarantor i don’t think is possible because both my parents not working. As my father is a govt retired staff, is he eligible to be my guarantor? Is there any other cars available btwn that 50-60k budget?

    • vigna says:

      hi admin,

      if proton preve is it possible? full spec?

    • admin says:

      For Preve Executive might be possible, but not the premium. Your other option is Perodua Myvi 1.5 SE. You should be eyeing on a car which is priced from 50-60k.

    • vigna says:

      ok thanks for the details, i will contact you soon for proceed with other formalities.

  147. dil87 says:

    hi..saya fresh graduate ijazah kedoktoran(MD)..expecting to working soon (maybe in disember)…i’m interested in buying non-local car – ford fiesta 1.6L sport Ti-VCT automatic…i don’t have job offer letter since i’m just graduated…expecting salary 3.5k-4k …i can pay downpayment around 8k-9k..my question is-
    1. adakah saya harus gunakan skim graduan ni atau buat loan biasa dengan mana2 bank?
    2. adakah saya memerlukan penjamin untuk buat pinjaman?
    really appreciate if u can send me quotation for the ford fiesta model including monthly payment..tq

    • admin says:

      Hi dil, since you haven’t had any job yet, you have to provide a guarantor. We can apply a normal loan for you since you are able to pay at 10% downpayment. Please let us know if you are interested and we can email you the details. Thanks!

    • dil87 says:

      yess…i,m interested n would like to have details from you…tq..

  148. mk fahmi says:

    hi, saya berminat dgn saga flx exe cvt 1.3. tapi basic salary saye cume 1.5k. bolehkah emak saya(pesara kerajaan) menjadi penjamin saya?

  149. Farhan says:

    Hi there,

    I graduated with an MEng (Masters in Engineering)in late June this year. I am 24 years old. My job offer letter will be ready by early next week. Am planning to buy a second hand car (pereferably waja) at around RM16k…will pay 10% down payment and would like to pay off the loan within 2 years…e-mail me at farhan.kamal911@gmail.com. I need to know the procedures and the figures..thanks a lot..

  150. mahzan says:

    Salam.
    Saya konvo bln 7 thn lpas dan sekarang saya sudah bekerja hampir setahun dengan gaji bersih rm1300. Saya nak letak deposit 10k utk persona baru(m), boleh ker saya nak apply loan tanpa penjamin atau apply loan guna skim graduan??Tq

    • admin says:

      Wasalam Mahzan, yes you perlukan penjamin kerana gaji bersih you tidak memenuhi syarat minimum. Sila hubungi kami jika you berminat utk membeli daripada pihak kami. Thanks ya!

  151. vinic says:

    Hi,

    nak tanya.. i kerja full time sambil belajar. basic+incentive average 2.5-3k. ada 3bulan payslip. adakah saya boleh dapat graduate loan? hanya nak dapat myvi auto. model tak sure, price 49k itu macam. boleh harta infomasi?

    terima kasih

  152. Farhan says:

    ok..I’ll buy a new car…btw, r u working with bank islam? need to know your identity for a bit if u don’t mind

    • admin says:

      Salam Farhan, we are a car dealer, not a bank officer. Every car dealer would have their own preferred bank panels to deal on the loan application. Should you be interested to proceed with the purchase, kindly let us know at 019-3559448.

  153. dil87 says:

    hye admin..i’m still waiting details from you due to question on 9 oct ..tq

  154. noor says:

    hi admin. sy berminat utk membeli 2nd hand myvi 1.3.year 2005..price around 28k++ including insurans.. i would like to pay 6k d/pyment.. fyi, im still a fresh grad n already had offer letter..will be working so soon with salary rm2.8k.. so what could be the intrest rate n is it worth buying? tq

  155. Valine says:

    Hi, saya merupakan pelajar MSc di Universiti dan akan bekerja sambil belajar di Universiti yang sama[mulai bulan depan, sudah ada offer letter] dengan gaji RM2500 [tolak EPF = RM2250] berminat untuk membeli kereta Vios J Auto tanpa down payment. Adakah saya memerlukan penjamin? Jika ya, berapakah gaji yang diterima dan adakah hanya ibubapa/adik-beradik boleh menjadi penjamin? Sila hantarkan maklumat yang berkaitan termasuklah interest rate dan bayaran bulanan. Harap dapat terima reply dengan secepat mungkin. Terima kasih.

    • admin says:

      Hi Valine, you tidak perlukan penjamin. You boleh sediakan offer letter dan dokumen seperti yg dinyatakan didalam email. Thanks ya!

  156. Nurul MH says:

    Hi! Saya baru mula bekerja dalam 2 minggu, dengan gaji around 3k. Saya berminat dengan Preve CVT Exec, dengan graduate scheme + 0 down payment.
    Soalan :
    1. Adakah saya layak untuk apply dengan menggunakan offer letter shj @ memerlukan penjamin?
    2. Boleh sy dapatkan monthly payment untuk 5, 7, 9 tahun tenure dan juga rate.
    3. Bank mana yang pihak encik deal with sebab saya prefer Islamic.
    4. Jika saya beli di KL or Selangor, boleh x saya daftar dengan plat negeri lain, jika ya, ada bayaran tambahan x?

    Harap dapat maklum balas dari pihak Encik. TQ.

    • admin says:

      Hi Nurul,

      Pihak kami sudah reply jawapan ke email saudari. You boleh sediakan offer letter sahaja pun sudah mencukupi.

    • Nurul MH says:

      Hi! TQ for your feedback. By the way, selain Gradhitz under BIMB, adakah pihak encik offer financing plan dengan other banks? i.e Maybank (EzyAuto Financing) dengan increasing instalment payment?
      Jika ya, hope dpt sendkan quotation untuk Preve Exec and Saga FLX 1.3 Exec CVT.

      Thanx in advance.

  157. ameng says:

    hi!sye berminat untuk membeli chevrolet aveo 1.5 hatchback dari direct owner..
    setelah perbincangan dilakukan die menawarkan saya harga kereta tersebat dengan harga RM19000. masalah sekarang sye x tahu bank mane yang saya perlu rujuk utk bt loan yg interest rendah..boleh admin advice procedure dan ape yang patut saya lakukan..adekah saya layak utk buat skim ini? dan apa yang perlu saye lakukan. terim kasih.

    • admin says:

      Ameng, you tak rasa rugi ke beli kereta tersebut? market value nya rendah dan maintenance nya tinggi. Better you beli kereta baru dengan interest rendah dan tidak perlu bayar maintenance yang tinggi. Tetapi utk menjawab soalan berkenaan dengan interest, you boleh cuba RHB or maybank.

  158. zara says:

    Salam.leh emelkan x quotation utk myvi stndard auto?
    Kat cni xde jual myvi second ke?

    • zara says:

      Sye bru abes diploma.nxt year bru konvo.
      Basic sye 1500(keje (kontrak)di sbuah bank)
      Lyk ke sye nk gne skim ni tnpe gne pnjmin.?
      Mne lg better?
      A.s.a.p please…

    • admin says:

      Wasalam Zara, zara perlukan penjamin kerana gaji zara tidak memenuhi syarat dan status kontrak saudari. Jika you ada penjamin, ianya tiada masalah. Kami sudah hantarkan quotation utk maklumat lanjut. Thanks ya!

  159. azie says:

    which 1 is more better saga flx 1.3 exec or myvi 1.3 for 1st car and value. I want to pay rm500 below per month.opinion pls.pls send me the quotation for both and the installment/month also.thnks

    • admin says:

      hi azie, we have send you the quotation as requested. You may not have a wide range of option based on your budget, and do let us know if you have any further questions. Thanks!

  160. ani says:

    Saya baru habis diploma convo july 2012.Baru kerja gaji RM1500 (tidak termasuk lain incentive- kerja contract).Belum ada slip gaji.tapi ada agreement offer letter. Boleh tak guna scheme graduate ni untuk kereta viva elite. Tq

    • admin says:

      Hi Ani, yes you boleh dapatkan pinjaman melalui skim graduasi. Jika you berminat utk menggunakan perkhidmatan kami, sila hubungi kami di 019-3559448. Kami sudah emailkan quotations sebagai rujukan.

  161. shah says:

    si final year student…so plan tuk amik myvi 1.5…bole x nk taw installment permonth mcm mne?? yg saya taw rm299 for 1st yer..cm mne ngn 2nd yer…perlu d/p ker??

    • shah says:

      sorry I’m final year student*

    • admin says:

      Salam Shah, kami recommend kan anda untuk dapatkan loan normal dan dapatkan penjamin. Ia lebih mudah dan anda sudah tahu berapa jumlah bayaran fixed every month. Jika you berminat, you boleh dapatkan ayah/ibu sebagai penjamin. Sila sediakan salinan IC, lesen, matrix card. Penjamin pula perlu sediakan salinan IC, bank statements 3 bulan dan pay slip 3 bulan.

  162. syahrul says:

    salam,

    saya bekerja di singapura dah 2 tahun dan sah dalam jawatan. Gaji pokok + fix allns = $2100 and daily allwns = $380. Total = $2480. Komintmen saya ialah :
    Rumah = RM 1033
    CC = Min payment = RM 60 (selalu bayar)
    ASB loan = RM 322
    Future will apply personal loan : RM 1245 atau RM 855 (masih decide tempoh bayaran)

    Dan saya bercadang nak trade in hyundai getz dengan used car captiva :
    captiva price : RM 85000
    Hyundai market price : RM 25000 (habis bayar loan)
    jumlah nak pinjam loan +-=RM60000

    soalan : 1. macam mana pihak bank convert sgd to RM?
    2. ASB loan dikira sebagai komitmen?
    3. layak ke buat pinjaman kereta jika saya ada komitment dengan personal loan?

    • admin says:

      Syahrul, kami tidak berani utk menjawab soalan ini kerana pihak bank sahaja yang mampu memberikan maklumat tepat. Kami sarankan agar tuan mendapatkan personal loan terlebih dahulu jika ia lebih penting dan baru tuan cuba apply loan utk used car.

  163. nedd says:

    kalau gaji sy around 2.9k..sy boleh ambil kete vios or honda city guna scheme ni x?bape ye bulan2?

  164. Samuel KK says:

    Salam sejahtera. Saya sekarang adalah Pelajar Master di UPM dan menerima allowance Graduate research fellowship (GRF) sebanyak RM1500/bulan dan kontrak selama 2 tahun. (Surat tawaran GRF telah diterima)
    Saya baru convo bulan oktober ini dan sudah dapat sijil convo. Adakah saya dimasukkan dalam skim ini, supaya saya membelikan kereta untuk memudahkan pengangkutan saya ke universiti? Kereta impian saya adalah Proton saga ataupun Perodua Myvi.
    THX.

    • admin says:

      Wasalam, bagi kes you, you perlukan penjamin. You ada mempunyai pay slip? Berdasarkan allowance dan status contract tuan, tuan memang perlukan penjamin. Sila hubungi kami jika you ada sebarang soalan di 019-3559448

  165. fazilah says:

    kalo gaji basic rm1300 tanpa faedah @ elaun lain boleh x bli kereta viva elite 1000cc..tp sy ad simpanan rm30 000 dlm bank..bagaimana jika xmahu guna penjamin

    • admin says:

      Salam Fazilah, bergantung kepada jumlah down payment. Berapakah down payment yang ingin dibayar? Berapakah jumlah purata elaun bulanan saudari?

    • fazilah says:

      oh mcm tu ya..sy tiada elaun lain..cuma ad rm1300 shj sbuln ad slip gaji tanpa elaun n faedah..kalo boleh downpayment nk letak 20k @ 25k..sy juga ad komitment keje lain rm700 sbulan tanpa slip gaji.tp keluarga ad sy 3 keping tanah bendang ats nama adik..tp sy xmau guna geran tanah @ penjamin utk bli keta…agak2 leh lepas x kalo viva 1000cc elite.

    • admin says:

      Jika begitu, you boleh sediakan salinan IC, lesen, pay slip 3 bulan, bank statements 3 bulan. You boleh emailkan ke admin@mybestcardealer.com dan sertakan contact number saudari.

  166. Samanda says:

    Hi, I am the final year student. I would like to buy a Myvi. Did I eligible this graduate scheme? Any down payment is needed?

    • admin says:

      Hi Samanda, you are not eligible to apply for any car loan if you are unemployed. You can only apply the loan if you have your parent as your guarantor. Please call us for more info on this at 019-3559448

  167. syahrul says:

    salam,

    Boleh saya tahu jenis komitment untuk apply loan?
    Saya ada loan :
    1. ASB
    2. Rumah (rumah belum siap)= akhir tahun depan baru start bayar
    3. Credict card
    4. Personal loan
    5. PTPTN

    Adakah semua pinjaman di atas adalah komitmen dan akan ditolak daripada gaji?
    dan benar kah bank akan approve pinjaman sekirang peratusan tanggungan tidak melebihi 70% daripada gaji.
    Regards,
    Syahrul

    • admin says:

      Wasalam. You boleh kirakan gaji bersih selepas ditolak dengan loan/commitment. Oleh itu, 1/3 daripada gaji bersih ini adalah max bayaran bulanan yang boleh dipohon.

  168. farah says:

    salam ,saya memerlukan pendapat admin.saya berminat nak beli swift baru atau nissan latio. saya ade kereta viva basic 1.0 tahun 2011(free loan) kalau boleh saya nk trade in viva saya utk dptkan swift atau nissan latio.saya belum pernah buat pinjaman mana2 loan bank , saya baru dpt offer letter di tempat kerja baru dgn basic rm1750 (ada OT+Komisen+elaun)total boleh dpt 3K.soalan saya,trade in terima x ? berapa rate kedua2 kereta ni ye?dokumen ape yg diperlukan semasa buat pinjaman atau trade in car ? itu sahaja , tq ;)

    • admin says:

      Wasalam Farah, kami accept trade in dan berkenaan dengan trade in ini, boleh tak farah emailkan gambar kereta? Bila you start keje di tempat baru?

  169. Faizul says:

    Saya 26, kerja hampir 3 tahun.
    Berminat untuk angkat Honda City. Masih boleh apply untuk graduate scheme?
    Apa option yang saya ada?

    • admin says:

      Salam Faizul, tiada masalah. You boleh apply 100% loan bagi model ini. Jika you berminat, you boleh check email you. Pihak kami sudah hantarkan quotation sebagai rujukan.

  170. Herry says:

    Hi salam, saya berumur 23 tahun dan sudah bekerja selama 2 tahun dalam sektor awam.. Saya merancang untuk membeli kereta pertama pada tahun depan (2013).. Basic RM1.6K dan gaji kasar RM2.4K.. Antara kereta yang menjadi pilihan saya ialah Proton Preve 1.6MT Executive atau Toyota Vios 1.5J(MT) Metalic.. Boleh tuan beri saya quotation(10% deposit or full loan) dan cadangan dalam urusan ini.. TQ~

    • admin says:

      Wasalam, berdasarkan gaji you, you mungkin boleh apply utk Toyota Vios. Harga model Proton jauh lebih murah dan tuan boleh mendapatkan kelulusan dengan lebih mudah jika model ini dipilih. In term of maintenance and spare part, beza nya tidak jauh. Toyota Vios lebih save minyak berbanding preve. Ia bergantung kepada keselesaan tuan. Kami sudah hantarkan quotation sebagai rujukan.

  171. vish says:

    Hi there, my basic payment is RM2100.00. With my sales commission per month my income is around RM2500.00 till RM3000.00. What type of cars am i eligible for? I’m able to pay RM10k-RM25k as downpayment. Please inbox me the quotations. I will get back to you. Thank you.

    • admin says:

      hi there, you can either choose honda city, toyota vios, proton preve, naza forte or ford fiesta. Kindly check your email for the quotations. Thanks!

  172. rj says:

    Salam. Jika saya dah kerja hampir 2 tahun, dan basic 3k++, gaji bersih lebih kurang RM2700 – 2800, sampai berapa loan saya saya layak? Kalau saya tahu berapa loan saya layak, then saya boleh decide untuk kereta.

    • admin says:

      Wasalam, you nak buat 100% loan ke? Anggaran max loan adalah RM 90,000. You ada pilihan sama ada utk memilih Honda City, Honda Insight, Toyota Vios, Ford Fiesta, dan Naza Forte.

    • rj says:

      Ya. Saya nak buat 100% loan. 1st estimate saya just barely layak untuk Preve premium, but you said its more than that maybe I would opt for Forte 1.6SX.

    • admin says:

      Kami hantarkan quotation ke email tuan sebagai rujukan. Sila hubungi utk maklumat lanjut.

  173. Mohd Hakim Yusoff says:

    Assalamualaikum…

    sy fresh graduate(sept.2012)..blum konvo and blum ade transkrip degree..sy bru bkerja with basic 2550,include ot will get 3500..ade offer letter and payslip 2bulan..sy sgt berminat untuk bli honda city baru..so bleh xpihak tuan emailkan apa y sy perlu buat jika ign mgambil skim ini,and boleh bgi quotation x with monthly payment..sy dr jb and bolehke klau sy nak berurusan dgn pihak tuan untk mmbli kereta ini?

    tq..

    • Mohd Hakim Yusoff says:

      one more thing,sy nak apply islamic loan,then bank manekah y sesuai and interest y rendah,with 0 downpayment…
      coz last week sy ada pg honda center and still kne ltak downpayment around 4k untk buat full loan…adkah dgn pihak tuan jg bgitu?

      regards,

    • admin says:

      Wsalam, kami sudah hantarkan quotation semalam dan boleh dapatkan full loan. You boleh check email utk maklumat lanjut. Jika you apply skim graduasi, you hanya perlu bayar one-month advance payment dan one-time insurance when you sign the agreement. One month advance payment adalah bayaran pada bulan pertama tetapi perlu didahulukan. Dengan itu, bayaran kedua adalah pada dua bulan selepas kereta itu dikeluarkan.

  174. Muhd Safwan Azri says:

    tuan, saya berminat nak beli satria neo seconhand….baru grad dan bekerja sebulan….gaji rm 1800..agak2 boleh tolong x?sila info saya detail..urgent..A.S.A.P

  175. suraya says:

    salam admin…
    sy nak tnya, klu kita apply scheme nie, utk beli kereta.. ada x apa2 byrn yg kita kena kluar kn.. cthnya: byaran utk application process ka?…
    tq

    • admin says:

      Wasalam Suraya, bayaran yang dikenakan adalah one-month advance payment dan one-time insurance sahaja. Bayaran ini perlu dilakukan ketika you tandatangan loan agreement tersebut. Bayaran lain adalah free of charge. Sila hubungi kami di 019-3559448 jika saudari ada sebarang soalan

  176. qina says:

    salam.saya chambering student di legal firm dgn allowance RM2300 dan akan tamat chambering lg 3 bulan dan kemudian akan kekal di situ dgn gaji basic RM3500++.layak tak saya nak mohon pinjaman utk beli kereta honda city?boleh tak suami yg bekerja sbg pegawai kerajaan dgn gaji RM3300++ jadi penjamin?TQ.

  177. arel says:

    Hye there..
    i have several question. i want to buy Vios TRD. basic salary RM2.7k, net salary 3.1K,work on government sector around 5 month and just get the confirmation letter. i want to know:
    1. What types of document i need to prepare?
    2. Monthly installment if i apply under this graduate scheme?
    3. How many years?
    4. Do i need a guarantor?
    5. down payment 0 right?

    • admin says:

      Hi Arel, you don’t need a guarantor. Please check your email and prepare the required documents if you are interested to proceed. Thanks!

  178. arilz says:

    Saya sudah bekerja hampir setahun dengan gaji rm2300 sebulan..permanent dgn company swasta..kalau saya nak beli kereta saga FLX SE (auto) lepas x?brape sebulan ye?macam mana pula dengan Persona(auto)?saya masih layak ke?minta advise dari pihak tuan..terima kasih tuan..

  179. eniH says:

    Salam encik,saya baru je bekerja dengan company baru hari ni dengan offer letter permanent setelah company lame kontrak selama 8bulan..gaji basic saya sekarang lbh kurang dlm rm2000..saya da grad dlm setahun dan berhajat ingin mengambil kereta viva auto..blh encik bagi saya quotation untuk kereta viva yg layak dgn saya?terima kasih atas kerjasama encik..

    • admin says:

      Wasalam, kami sudah emailkan quotation ke email you. You boleh buat 0% down payment bagi semua model Viva dan semua details boleh didapatkan di dalam email tersebut.

  180. mellomello says:

    Salam,saya hendak bertanya.Saya baru graduate bulan lepas dan sudah mula bekerja.Gaji kasar RM2800,sebelum tolak epf dll…
    Saya berminat dengan kereta myvi auto 1.3 atau Toyota vios 1.5 auto.Yang mana lebih sesuai? Adakah saya lepas syarat? lepas tu, apa kelebihan dan kekurangam antara myvi dan vios? Terima kasih^^

    • admin says:

      Wasalam, berapa budget you nak allocate utk bayaran bulanan utk kereta ini? Maintenance bagi kedua-dua model agak sama, cuma Toyota agak mahal sedikit sahaja. Toyota Vios lebih besar dan ia juga save minyak. Kalau kami, kami akan ambil model Vios utk long term. Sila check email you utk maklumat lanjut. Berkenaan dengan dokumen, berikan pay slip sebulan dan bank statement sebulan sahaja pon sudah memadai. Sertakan juga job offer letter.

  181. danisha says:

    salam. sy baru lepas grad n berkerja 2 bulan. gaji bersih after tolak epf+sokso rm2k. sy berminat ford fiesta. adakah sy layak menerima loan dengan downpayment 10-15k?

    • admin says:

      Hi Danisha, yes you layak utk mendapatkan loan bagi model ini. Jika you berminat, you boleh hubungi kami di 019-3559448. You boleh email kami salinan IC, lesen, bank statement 2 bulan dan pay slip 2 bulan berserta dengan job offer letter dan degree/diploma slip.

  182. Vee says:

    Selamat Pagi,

    saya graduate tahun lepas, baru 6 bulan keje…gaji saya RM2100 + sales commission minimum RM800 (tetap). Kereta yang mane boleh saya beli? Layak dapat full loan? atau kena bayar down payment? Nak trade-in kereta Iswara Lama boleh tak? Interest rate brape?

    • admin says:

      Hi Vee, you can get a loan up to RM 80k. You can either purchase naza forte, ford fiesta, honda city, perodua myvi, proton preve or proton persona. Which one would you get?

    • Vee says:

      can you send me the quotation for all the cars you mentioned just now? i would like to discuss with my family members before i proceed. thanks :)

  183. Helmi says:

    salam…saya sekarang berkerja dengan sektor swasta dengan gaji bulanan RM4500 sebulan. saya mempunyai loan rumah, personal loan dan kredit kad. Boleh tak jika saya ingin membuat full loan untuk kereta Hyundai Elantra 1.8 premium?? klu down payment dalamm 5k boleh??berapa interest sekarang??

  184. Mei says:

    Hi,
    I’m 21 years old, just graduate for diploma. and working 3months plus,my basic salary 1.5k, not yet deduct EPF socso. Izit compulsary need gurantor?
    my question here is, who capable to be my gurantor? My parent cnt make it. How about my brother and sister?
    1)My brother 23years old, got housing loan, but payment not nice.
    2)My sister 19 years old only but basic salary 1.8k, net salary 2.2k++

    who can be my gurantor?

    • admin says:

      Hi Mei, your younger sister is still young to be your guarantor, but we can give a try. You can submit your documents for us to review.

  185. Mei says:

    Alright, so do u guys have any branch in penang?
    My brother cnt be my guarantor?
    How Im going to submit my document to you?

  186. sha says:

    hi,
    sy bminat nk beli myvi extreme auto…tp gaji kasar 1.7k blum tolak epf/socso…bru bekerja sekitar bln 3 and graduate bln 5…boleh x antr quotation…tq

  187. anis fatina says:

    salam, saya nak tanya kalu kite keje under contract 6 months, layak ke nak beli kereta?

  188. hani says:

    hi admin,sy fresh graduated yg bru bkerja dlm 3 bulan di syrkt swasta. gaji pkok sy rm2100 belum tolak epf+socso. sy bminat nak beli pesona elegence 1.6 auto/myvi se 1.5/myvi extreme 1.5..saya hanya mampu mbayar downpayment sbyk rm3000-rm4000. bagi pndpt admin, adakah sy layak untuk memohon skim pinjaman siswazah atau tidak? dan antara 3 kereta ini yg mana lebih bbaloi untk jngka masa pjg. sy bkenan utk mbeli myvi krn lbh kck,ttpi memandangkan pesona mpunyai tangki yg lbh besa dan hrga lbh rendah dsbbkan sy akan bkahwin dan tpksa brulang alik dr kl ke jb, sy rasa proton pesona lbh bbaloi. hrp admin boleh emailkan quotation hrga. tq

    • admin says:

      Hi Hani, kami sudah emailkan quotation. Agak sukar utk menjawab soalan. Perodua Myvi lebih baik in term of realibiliti dan juga fuel efficiency. Cuma kebaikan yang kami dapat rasakan bagi model persona adalah ruang nya yang lebih luas. Itu sahaja.

  189. Ooi says:

    Hi,

    saya telah bekerja selama 1 tahun , adakah saya layak untuk memohon scheme graduan? gaji saya 2.2k gaji kasar.
    saya berminat untuk membeli myvi dengan 0 downpayment.
    bolehkah, tuan/puan hantar quotation kepada saya?

    • admin says:

      Hi Ooi, kami sudah hantarkan quotation bagi myvi standard, premium dan 1.5 se. Jika you berminat, you boleh email kami dokumen seperti yang dinyatakan.

  190. Jasmin says:

    slmt sejahtera,

    boleh tolong jelaskan apa itu skim graduan?
    bolehkah saya membeli 2nd hand Myvi dengan 0 downpayment, tetapi hanya mampu membayar max rm400 setiap bulan sahaja.

  191. Nana says:

    Salam admin, saya dari Kuantan Pahang.
    Saya bercadang untuk membeli kereta Proton Gen 2 second hand tahun 2006/2007 harga lingkungan RM18k-RM23k kerana sangat-sangat memerlukan kenderaan sekarang ini.
    Boleh saya tahu, gaji saya RM1100. Boleh ke apply loan? berapa interest rate?
    Saya boleh bayar deposit RM6k jadi bukan 100% loan.
    Dan boleh bagi pendapat tak?
    Terima kasih.

  192. Connie Loh says:

    Hi. I have my 1st car, Kancil by paying cash. So can i obtain this graduate scheme from bank? And is it available for Hyndai, i10?

  193. faten says:

    hi, sy nak tanye . umur sy baru 19.. dan sy nak beli kereta proton saga 1.3 auto harga dalam 38k. gaji saya basic 1200 .. tp sy nak pkai grantor atas nama mak sy. msalah nye, gaji mak sy kurg dr sy . dlam 1000 je gaji dye. mak sy kerja sendri, tiada slip gaji. bole buat loan ke? please email sy a.s.a.p.
    tq.

    • admin says:

      Salam Fatin, you perlu mencari penjamin yang mempunyai gaji lebih daripada 2k utk dapatkan kelulusan pinjaman dengan lebih mudah. Sila hubungi kami di 019-3559448 jika you berminat.

  194. norizam says:

    hi,sy baru saja habis blaja bulan 10 dan baru bekerja. gaji sy dalam rm 3k++.melalui skim ini boleh ker sy apply tuk kereta import seperti mitsubishi lancer?

    • admin says:

      Boleh, kami boleh cuba. Emailkan kepada kami salinan IC, lesen, bank statement 3 bulan, pay slips 3 bulan dan salinan Degree/diploma. Thanks ya!

  195. Bah says:

    Hi, saya baru bekerja dan gaji basic saya ialah RM 2200. Saya ingin membeli Honda City. Adakah saya layak untuk apply graduate scheme. Can you send me the details. Thanks..

  196. iera says:

    salam..
    -jika belum sampai sebulan kerja,boleh apply skim graduan?basic salary rm2000..lepas tak kalau nak beli myvi 1.5 extreme?
    -berapa lama tempoh pihak bank meluluskan sesuatu permohonan?

    • admin says:

      Wasalam Iera, boleh tiada masalah. Kami perlu check stock ada ke tak berdasarkan warna yang saudari berminat. tempoh kelulusan adalah 2-4 hari sahaja.

  197. Ric says:

    HI all ,

    I plan to buy a second hand Myvi Ezi 2010 with the price of rm380000 .
    I am a fresh graduate , i only have one month payment slip of rm2000 right now . i maybe plan to apply 7 years or 9 years
    Can i apply for this car loan ?

    If can , please kindly send me the quotation .

    Thanks .

  198. Hafiz says:

    salam,
    Sy brmint untuk beli saga flx se 1.6.. gaji kasar sy sebelum tolak epf cuma 1750 dan gaji bersih sekitar 1540.. adakah sy perlukn penjamin ketika berurusan kelak..

  199. Mohd says:

    Salam admin,
    Boleh saya tnya,
    1) tempoh approval untuk skim graduan berapa lama ye?,jika sudah memenuhi semua syarat2nya.

    2)Adakah penjawat awam lebih cepat lulus b’banding swasta?

    Harap admin dapat membantu, TK

    • admin says:

      Wasalam admin, lulus dalam 2-3 hari sahaja. Proses semua nya mengambil masa lebih kurang dalam 2 minggu. Sila hubungi kami di 019-3559448 jika you berminat.

  200. ellanoor says:

    hi,saya nak bertanya jika saya lepasan diploma dan sekarang sedang meneruskan pengajian sepenuh masa untuk ijazah.boleh kah saya memohon pinjaman untuk kereta mengunakan graduate scheme..dari diploma.???

    • admin says:

      Hi, you perlu berkerja dahulu dan barulah you layak utk apply skim ini. Jika tidak, you perlu dapatkan penjamin dari ayah/ibu.

  201. Arthur Mickey says:

    Do you sell mitsubishi mirage?

  202. sara says:

    hy.i xdpt lg quotation. i bru kja.bsic rm1800, allowance ttp rm500. my fiance basic rm2100. i nk aply honda civic or atleast city.

  203. nabila says:

    salam bos.. gaji basic rm1460 n net rm1600 bulan2 boleh apply kete pe ea? kalo boleh x nk gune guarantor..mls nk sushkn org len…process mek mse bpe lme?

  204. elly says:

    hi,saya final year student, bole ka saya apply graduate scheme dan parent sebagai penjamin?

    • admin says:

      Boleh, sediakan salinan IC, lesen dan kad matrix. Penjamin pula perlu sediakan salinan IC, bank statement 3 bulan dan pay slip 3 bulan. Sila hubungi kami di 019-3559448 jika you berminat utk berurusan dengan pihak kami.

  205. Anthony says:

    Hi,

    I masih dalam chambering (trainee), dalam tempoh chambering, saya hanya dapat allowance sahaja, saya tiada slip gaji. saya nak beli honda jazz hybrid (94k), bolehkah saya dapat bantuan daripada scheme itu?

    • admin says:

      Hi Anthony, it would be much easier to apply if you can get your parent to be your guarantor. Kalau tidak, ia amat sukar. Bila you nk dapat pekerjaan tetap?

  206. shark says:

    Hi…
    Sy grad diploma..currently bekerja dgn gaji minimum 4k…biasanya lebih.
    Tetapi commision base,bkn tetap..
    Sy da bekerja setahun ++..
    Skarang sy sedang medical leave slame 6bulan dan tiada payslip..
    Tapi ada keluar masuk duit
    Bole apply untuk vios at(g edition/e edition/j edition) tak?
    Please reply asap…sbb mmg nk keluarkan kete asap..
    Tinggal contact number dan nama..

  207. Raynise says:

    Dear Admin,

    Kindly provide me details of Graduate Scheme for Proton Saga and Toyota Vios.
    Would like to know the brand new Nissan Almera also can apply with this scheme?
    As I am from Penang, any dealer I can meet for face-to-face disscussion?
    Kindly contact me through email provided, million thanks.

    Regards,
    Raynise.

    • admin says:

      Our showrooms are all in KL and Selangor areas. We can always deal through phone and emails if you are interested. We have emailed you the documents for your perusal. Thanks!

  208. Elli says:

    Saya masih belajar, dan saya berminat untuk membeli kereta suzuki swift. Kalau saya nak ambil scheme ini, dan parents saya sebagai guarantee, berapa yang saya perlu bayar for satu bulan?

  209. perpetual says:

    Hai. Sy adalah fresh graduate diploma. convo bulan 12. Sementara mennggu tawaran ijazah, sy telah bkerja selama 6 bulan. Tetapi, sy hnya bkerja part time. Sy mempunyai payslip ttp sy xada epf@socso. Gaji bersih sy ialah rm1500-1700 (basic 600+elaun+komisen+ot). Sy berminat dgn myvi. Adakah sy layak utk memohon?

    • admin says:

      Hi, disebabkan gaji basic you tidak memenuhi syarat, you perlu sediakan penjamin. Jika you ada penjamin, ia amat membantu saudari dalam mendapatkan kelulusan.

  210. izzatul says:

    Hi,
    saya bercadang nak beli ford fiesta 1.6 guna skim graduasi.
    saya barus sebulan bekerja dan gaji bersih rm2700.
    boleh ke sebab saya nak ambil skim graduasi for 0 down payment…

    • admin says:

      Salam Izatul, berdasarkan gaji you, yes you layak untuk memiliki model ini. Jika saudari berminat untuk membeli model ini, sila hubungi kami di 019-3559448.

      Emailkan kami salinan dokumen, jika saudari berminat:
      1. Copy of IC
      2. Copy of Driving License
      3. Copy of Pay slips (3 months)
      4. Copy of Bank Statements (3 months)
      5. Copy of Degree/diploma slip

  211. Fikri says:

    Salam, saya baru grad bulan 10 haritu.. dan saya dah bekerja 6 bulan di sebuah syarikat swasta. gaji bersih saya ialah RM1500.00 Saya ingin mendapatkan kereta Naza Forte dgn mnggunakan skim graduate.. boleh x saya apply? dan cam mane prosedur?Boleh x email saya quotation?

    • admin says:

      Wasalam dear, gaji saudari tidak memenuhi syarat. Kami syorkan agar saudari mengambil model kereta dari range RM40-50k sahaja. Jika saudari berminat, sila hubungi kami di 019-3559448.

  212. shella says:

    hai.sy shella…saya nak tanya…untuk kereta proton..
    untuk ayah saya yg berumur 51…bole kah dapat utk full loan for new car?

  213. Mohd says:

    hye.. sy fresh grad dan sudah bekerja selama 4 bulan
    boleh kah saya membeli second hand car dgn menggunakan skim ini..?
    saya bercadang utk membeli kereta model honda civic 2.0/1.8 tahun 2008..
    gaji bersih saya rm2900..

    • admin says:

      Ia hanya untuk model kereta baru sahaja. Lebih baik jika tuan membeli model baru kerana interest nya jauh lebih rendah berbanding interest yang dikenakan kepada used car.

  214. AmiSoe says:

    Saya baru grad, tapi sudah bekerja dengan basic RM2300 semenjak bulan 6 (kontrak setahun2, tapi akan disambung cuma maintain contract lagi). Saya berminat New Proton Saga FLX 1.3 Executive. Saya ingin gunakan skim graduan. Boleh tolong? :)

  215. Vee says:

    Selamat Pagi,
    saya graduate tahun lepas, baru 6 bulan kejeā€¦gaji saya RM2100 + sales commission minimum RM800 (tetap). Saya nak beli Proton Preve Premium warna merah atau hitam? Layak dapat full loan? atau kena bayar down payment? Nak trade-in kereta Iswara Lama boleh tak? Interest rate brape ye? Dengar Proton ade 7k discount on end year promotion utk kereta baru, betuk ke?

    • admin says:

      Hi Vee, rebates itu hanya utk model 2011 dan bukan model Preve. Jika you berminat, you boleh apply melalui skim graduasi. Sila check email you utk maklumat lanjut. Thanks!

  216. admin says:

    Selamat Pagi, yes you layak untuk membuat pinjaman penuh melalui skim graduasi. Jika you berminat, sila hubungi kami di 019-3559448. Sila check email you utk maklumat lanjut.

  217. fahmi says:

    selamat pg..
    sy graduate tahun lepas.. gaji sy rm1600. sy nak beli kereta myvi SE. sy layak dpt full loan x? interst berape eh? utk interest ni, die ikut bank ke?

    • admin says:

      Salam Fahmi, gaji bersih you berapa ye? Interest rate bagi full loan adalah 2.98% dibawah skim graduasi. Sila check email you utk maklumat lanjut tentang model ini.

  218. incrediblekid2011 says:

    Hi,

    I am a degree student, graduating last year Sept 2011.Just for your information, i had purchase Perodua Viva 1.0 last year, and my intention next year is to transfer this car (currently under my name) to my sister’s name. So, my question is, is there any chances i am qualified for this graduation scheme (as no car is under my name? Help is appreciated

    P/s: My basic salary is RM2.2K + Overtime+Allowance and i am eying for Vios E Auto

    • admin says:

      Hi, we can try to apply the maximum loan for you. Is your sister currently working? She can be your guarantor if she is. We are currently offering exciting rebates for this model, and please call us asap while promotion lasts.

      • incrediblekid2011 says:

        my sis is working as a lecturer in UM..which means if she be my guarantor, does that means i can purchase a Vios E Car Auto for zero downpayment? I need information in details about this.. twkit87@hotmail.com

        Just to let u know that i had a viva 1.0 car under my name, and my intention is to had a name transfer under her name..do u had any ideas on how it can be done? pls advice.

      • admin says:

        Please check your email.

  219. sha says:

    sy nak bli mitsubishi mirage if basic salary saya rm 1200…layak x..boleh bg quotation..bpe d/payment

    • admin says:

      Hi Sha, you perlukan penjamin kerana gaji you tidak memenuhi syarat. Lebih elok jika ayah/ibu dapat menjadi penjamin.

  220. lova2 says:

    Hi, saya bru start bekerja dengan basic 3.6k..ade offer letter n scroll. Degree ..nk beli first car either myvi se atau swift..boleh hantar quotation Dekat saye.dgn dokumen ape perlu ade tuk proceed ..berape lama made diambil tuk dpt kereta?

    • admin says:

      Hi you, kami recommend you ambil model Myvi jika you berminat. Kami sudah emailkan you the quotation and you boleh contact kami semula jika you ada sebarang soalan.

  221. zaed says:

    Hye admin..boleh beri quotation for model MyVi 1.5..saya dah setahun lbh grad dan bekerja dgn gaji bersih 2.3k…jika ada quotation bg model toyota vios pon saya berminat..ingin compare dgn budget yg saya ade skg..tq..=]

  222. Man says:

    Salam harimau malaya,
    Sy fresh graduate mempnyai offer letter sykt glc dengan gaji = RM3000 (basic) + 800(elaun2). adakah saya layak untuk memohon full loan bagi kereta Mazda3 1.6..?
    tq

  223. John says:

    Saya berminat Vios TRD..tp gaji sy 2655..cukup syarat x?

    • admin says:

      Hi John, kami sarankan you ambil model E & J dan kami boleh berikan you free original bodykit berserta rebates. Hubungi kami di 019-3559448 before 20hb sementara stock masih ada.

  224. farah says:

    Can i know which panel’bank’ that are you refering to? islamic bank or not?

  225. Sufyan says:

    Hi,
    minta hantar quotation Honda City model E. Full loan OTR graduate scheme. TQ
    Serious buyer here.

  226. Sufyan says:

    Basic salary = RM3000.00

  227. sunan says:

    hai admin,
    nak tanya, basic gaji 2k layak beli kereta proton executive atau nissan almera tak?.
    boleh send quotation utk dua2 model tu..
    thanks..

  228. Vinod says:

    Hi ,

    i want to ask some question. I’m a diploma holder and finished my studies but still don’t have my transcript. Previously i worked with rhb bank with 1.8k basic for 7 months then i quit and joined work at maxis , the basic pay is 1.3k excluding the commission. I have my offer letter and only worked for 2 weeks so far at maxis. Am i eligible to apply for full loan for saga 1.3 executive? I have guarantor (may i know what’s the guarantor minimum monthly salary?)

  229. farah says:

    Thanks admin, Boleh saya tahu berapa harga untuk setiap Myvi di pasaran, dan berapa minimum gaji diperlukan? Saya harap admin dapat memberikan detail tersebut melalui e-mail saya.

  230. mira says:

    hye admin. sy mira. sy fresh grad. baru bekerja sebulan starting basic 2200 x termasuk elaun. boleh emailkan quotation kereta ape yg u boleh suggest x? myvi, saga or vios maybe?

  231. mayO says:

    Hai..
    Saya fresh grad, baru bekerja selama 2 bulan dengan gaji basic RM2000.00..xde epf sebab belum confirm..probation 3 bulan..layak ke kalau saya nak beli viva 850? :P

  232. Zira says:

    Salam, hi,

    Sy baru bekerja selama 8 bulan, net salary is rm2k..layak ke sy tuk beli toyota vios trd menggunakan scheme ini? Dengan downpayment rm1.5 k. Boleh sy dptkn detail? Tq.

    • admin says:

      Hi Zira, jika you ambil model J auto, kami boleh cuba bantu. Better you buat 0% down payment dan beli Original TRD bodykit dengan berharga dalam RM 1,300. Sila hubungi kami di 019-3559448 jika you berminat.

  233. Mohd Firdaus says:

    Sy sudah bekerja selama 3bln di syarikat swasta, sy lepasan diploma dan gaji sy basic RM1,800 blom confirm lg.. Blh kah sy menerima skim graduan ini.. Dan kereta yg sy cadang ingin beli Honda City, dan D/P RM8,000.. Lepas kah dgn gaji sy sebanyak itu..

    • admin says:

      Salam Firdaus, lepas confirm, berapa gaji you? Kalau gaji basic RM 1,800, max loan boleh pergi hanyalah dalam linkungan RM 50k.

    • Mohd Firdaus says:

      Lepas confirm dpt dlm RM2,100.. Kalau sy gabung payslip dengan ayah sy blh lepas?.. Gaji bersih ayah saya dalam RM2,200..

    • admin says:

      Kalau ayah you jadi penjamin, mungkin kami boleh bantu. Sila sediakan salinan IC, lesen, bank statements 3 bulan dan pay slips 3 bulan. Thanks! Sertakan juga offer letter dan degree/diploma slip. Hubungi kami di 019-3559448 utk maklumat lanjut.

  234. nur says:

    hi.. i dah kerja almost 2 years and now my salary is 3.3k.. i plan nak beli ford fiesta or honda city with 10% downpayment… boleh bg quotation for both cars?? thanks! :)

  235. Ziera Joe says:

    Hi PIC!

    I Interested nak beli SAGA FLX-SE… my net salary skang rm1700 I nak gune graduan skim… persoalan nye… I perlu kene ader guarantor ker..??

    waiting your reply soon.

    tq :)

  236. Roger Adner says:

    Good Day,

    I just want to ask about the graduate scheme car loan offered… Say the interest in taking a car is 2.98%. Is this interest fixed until i completed paying the loan or the percentage of the interest increase over the year? Thank you for your attention.

    Peace~

  237. D. says:

    Hi,

    Saya sudah bekerja tetap selama 2 tahun 3 bulan tapi belum memiliki kereta. Saya juga belum mengambil ujian untuk lesen memandu, tetapi gaji rm3+. Layakkah saya utk membeli kereta pertama saya (proton persona) dgn skim ini?

  238. MOHD SYAHIRAN MAT NOR says:

    salam..saya seorang lepasan graduate mara…saya hendak membeli sebuah keretA terpakai….saya dah bekerja selama 6 bulan..bolehkan saya membuat pinjaman ini…

  239. fadhli says:

    Bolehkah saya membeli kereta suzuki swift tapi pendapatan bulanan saya hanya 2k? Berapa bulanan yang perlu saya bayar sekiranya menggunakan skim graduan? dan berapa tahun? sekiranya tanpa skim graduan berapa d/payment? minta emailkn pada saya. Terima kasih :)

  240. mas says:

    salam admin

    im working with private sector. dah bekerja since sept 2012 dan be a permenant staff on last month. my salary 2k. every year akan ade kenaikan gaji. which car yg suite 4 me? sebolehnye saye taknak menggunakan penjamin. adakah salary saye lepas untuk buat full loan? kindly advise me. tq.

  241. Sya says:

    Salam, i had graduated last two yrs and now looking for a car, saga flx auto. i ve been working for a month, new company wth bsc rm1600. Is ths scheme applicable for me and kindly advise me the payment details/etc.thanks in advance. sya.mansur@gmail .com

  242. Nelly says:

    Salam, saya pnye convocation bulan 5 nanti. Tapi saya dah lama part time sebagai agent insurans. Mcm mana ye?

  243. mrkamal says:

    Salam…sy berminat dgn honda civic 1.7 tahun 2004.harga lebih kurang rm50k.sy baru bekerja selama 1bulan stgh dgn gaji bersih rm1800.boley kah sy apply grad skim ini.boley kah sy tau quotation?brape bulanan?

  244. min says:

    salam,
    Sy br mendpt offer keje..tp start next month.. net gaji rm1500. Sy ade dgree tp offer kje ni guna diploma. layak tak utk sy apply loan ni? klo boleh nk ambik viva or saga (auto). boleh antr quotation tak? tq in advance

    • admin says:

      Wasalam, better ambil saga auto standard. Kalau you berminat, you boleh apply bile you dah start keje. Kalau nak beli before that, you perlu sediakan penjamin.

  245. stephanie says:

    –sy basic gaji rm1750. bersih rm1547.25. keja dh 4bulan. private sector. sy nk beli myvi se 1.5. apa pendapat admin??
    –lg 1 ble email kan quotation myvi se 1.5 & myvi premium 1.3. thnk u so much.

  246. rashidah says:

    sy br bekerja sbgai kakitangan di hsptal..basic sy RM1687 dan gaji bersih sy rm2200-rm2500..boleh bg idea x kereta apa yg sesuai ngan gaji sy tu..sy br bekerja 3 bulan..sy minat ngan keta ford fiesta..atau leh tuan suggestkan jenama yg lain??

    • admin says:

      Salam Rashidah, kami sarankan you ambil model Toyota Vios. Ia lebih baik in term of fuel efficiency, resell value dan maintenance cost. Jika you berminat, you boleh emailkan kami dokumen saudari

  247. mai says:

    saya nk beli kete neo 2nd,
    loan 30k,
    dis is my 1st car,my slary is 1250,gji bersih 1100,
    downpayment 10%,xde komitmen,
    so nk tau rasa2 lps x sy ambk kete 2nd??
    Dan blhkah emailkan pada saya….

  248. atiqah says:

    hye..

    sy grad oct 2012, start krja kat government dec 2012. basic salary rm2557 + elaun = rm3600+ still in dilemma which car to buy. ada survey honda city and toyota vios tp xconfident blh afford. ada surevey myvi jgk tp xsuke design, gear dekat dashboard. any opinion on which car would be the best for me?

  249. Desmond says:

    Hi, I am interested to get a car, with 9/10 years loan, applying with graduate scheme, with a job basic RM2300/= can you provide me a quotation of cars which I can own with 0% DP and payment is lower than RM1000 every month? email me the list of cars that I could own, preferably Forte, Preve, Inspira.

    Serious buyer, reply ASAP. Thanks MyCarDealer.

  250. shanu says:

    hi

    Saya sudah graduate dan dah 4 bulan bekerja sebagai temporary HR admin. Saya berminat untuk beli kereta Viva.Saya punya net pay adalah RM 2000. Since saya bekerja sebagai contract staff boleh tak i apply grad skim ini?

    • admin says:

      Hi Shanu, you boleh berkerja dan boleh kami dapatkan maklumat tentang tempoh kerja contract tersebut? Adakah ia setahun atau lebih dari setahun?

  251. fizi says:

    saya nak taya.. saya berminat untuk membeli kereta suzuki swift auto.. dan basic salary saya buat masa nie hanya 1800 (baru kerja) & lepasan diploma, boleh ke lepas untuk buat loan?

    • admin says:

      Hi Fizi, tak lepas kalau you apply loan bagi model Suzuki Swift. Better you ambil Perodua Myvi, maintenance dan resell value juga lebih baik berbanding Suzuki Swift.

  252. kamil says:

    Salam
    sy bru abih stdy dan bru bkrja slma 5bulan.brminat dgn preve but gji skrg hnya 2k dan akn mningkat kpd 2.5k after get cnfrmation.adkh sy layak utk grduate scheme, 0 d/p?

    • admin says:

      Wasalam tuan, kami sudah emailkan quotation bagi model Proton Preve Premium ini. Sila hubungi kami semula utk sebarang pertanyaan.

  253. yatt says:

    As’salam & Selamat Sejahtera..
    Hi, saya baru sahaja tamat diploma dan cuma ada minitranskip buat mase nie. saye blum bkerja dan masih menunggu panggilan kerja. saya cuma ada ibu yang bkerja sbagai pesawah tapi sye tak nak guna kan geran tanah utk beli kereta. bole ke saye apply scheme ini utk beli Myvi Extreme or other car dgn mgunakan RM5K sbg downpayment tapi still under this scheme? saye amat memerlukan transport apabila di kehendaki utk start working.

    • admin says:

      Salam Yatt, you perlukan penjamin ibu/bapa jika you ingin membuat permohonan loan kereta kerana you masih belum berkerja. Jika you boleh dapatkan penjamin, kami boleh bantu. Sila hubungi kami di 019-3559448 jika you ada sebarang soalan.

  254. mala says:

    salam saya kakitangan kontrak.. dan baru 1st time nk beli kereta.. bank apa yg saya boleh apply untuk Graduate scheme nie ye..
    thanks admin

    • admin says:

      Wasalam, status kontrak you berapa lama? Kalau kurang dari setahun, you perlukan penjamin. Sila email kami model apa yang you berminat utk beli supaya kami boleh hantarkan quotation.

      • mala says:

        saya kontrak setahun. tp baru mula bulan november. saya nk amek toyota vios 2nd hand. tp saya nk mintk pendapat admin mana yg lebih baek sebab ramai kata myvi baru lagi ok.
        gaji saya dalam 1500 tolak epf dalam 1300. tp ada OT.
        thanks

  255. mala says:

    saya kontrak setahun. tp baru mula bulan november. saya nk amek toyota vios 2nd hand. tp saya nk mintk pendapat admin mana yg lebih baek sebab ramai kata myvi baru lagi ok.
    gaji saya dalam 1500 tolak epf dalam 1300. tp ada OT.
    thanks

  256. Mohd Firdaus says:

    Boleh beri harga down payment dn bulan2 klo ambil honda city selama 9thn dengan skim graduan ni.. Tq

  257. C-NU says:

    cuma interest rate dan 0% downpayment saje kew perbezaan skim biasa dengan skim graduan.?

  258. zal says:

    salam,

    saya nk tnye tuan, gaji saya 1500 basic. layakkah saga flx model?
    tq.

  259. elaine says:

    hye2..klau toyota vios pun 0 downpayment ke?

  260. Lynn says:

    Hi, I would buy my first car and I’v only worked for the government for 2 months. My basic salary is RM2500. Am i eligible for the graduate scheme? And if I am, can u please email me a quotation of cars that I can afford with my salary – preferably non-local cars (hatchback), with 9/10year loan and payment lower than RM1000 monthly. Thanks.

    • admin says:

      Hi Lynn, we have emailed you the quotations for all the models that suit your budget. Please call us if you are interested to purchase from us.

  261. Bong says:

    Hi
    Im going to start my work next month (feb) and already got the offer letter and im planning to take toyota vios j auto.If my basic salary is RM2300,can i apply for the loan?This is my first car.

    • admin says:

      Hi Bong, you are only eligible to apply for the loan when you have started working. Otherwise, you need to provide a guarantor.

  262. Steven says:

    I havent obtained my degree cert and transcript etc but i already have my offer letter starting to work in March,am I eliglible to this scheme? salary offered to me is RM2800

    Im interested in having Almera 1.5L E M/T Sedan,can you send me the quotation?Thanks

    • admin says:

      Hi Steven, if you plan to purchase the car prior to your first day of working, then you’d need to provide a guarantor.

  263. Mas says:

    salam admin

    im working with private sector. dah bekerja since Sept 2012 dan be a permenant staff on Dec 2012. my salary 2k. every year akan ade kenaikan gaji. which car yg suite 4 me? can u sugest? sebolehnye saye taknak menggunakan penjamin. adakah salary saye lepas untuk buat full loan? kindly advise me. tq.

    and saye lepasan dip. boleh ke saye gune kan scheme ni?

    • admin says:

      Wasalam Mas, kami dah emailkan quotation ke email you. Kami syorkan you ambil model Myvi atau Proton Saga. Kedua-dua model ini lebih sesuai utk saudari.

  264. jue says:

    Hi,.can u give me a quotation for saga se 1.6 under this scheme,.:-)tQ

  265. EuniceA says:

    Hi there, i would like to purchase a car, the option is between a vios, almera and forte. I earn RM 2500 a month, graduated last year April, been working since then. Could i apply for the graduate scheme? If yes, which car would you recommend. Thank you.

    • admin says:

      Hi there, we have emailed you the details. We would recommend you to get a brand new Toyota Vios. It has better fuel efficiency, low maintenance cost and high resell value.

  266. ilman says:

    kalau amek kereta 2nd hand pakai scheme graduate nie leh ke?

  267. mira says:

    Hi I graduated in 2011 and have been working for 2 years now and my basic salary and allowance is 2500 not inclusive of commission. I would like to buy kia forte and would like to check if im eligible for the car. Currently I dont possess any driving licence. Pls advise

    • admin says:

      Hi Mira, yes you are eligible. May us know what’s the amount of down payment are you willing to pay so that we can give you a proper quotation? Kindly check your email for more info.

  268. ifah says:

    salam.saya baru shj dpt offer letter untuk bekerja bulan march ni. dgn gaji rm1800 basic.kontrak setahun. saya berminat untuk membeli sama ada naza forte @ preve cfe. ibu saya sbg penjamin. ada kah saya layak untuk kereta2 tersebut? please advise. thank u admin.

    • admin says:

      Wasalam, based on your basic, we would recommend you to get a car with price below RM 60k. Otherwise, mmg susah utk dapatkan kelulusan.

  269. izwan says:

    salam.
    i just start working in a month and i have offer letter. with the basic salary 2300 and 10% downpayment, can you please quote me toyota vios j price and suzuki swift? and also, if i’m buying a 2nd hand car with the same salary and downpayment, what car will u suggest me? tq

  270. izwan says:

    salam. boleh send me quotation for toyota vios g with 10% downpayment? tq

  271. fitzonce says:

    Saya pegawai kerajaan berpendapatan RM3000++, isteri sy merupakan trainee lawyer dgn elaun RM1800 sebulan. Isteri akan tamat chambering lg 3 bulan dan kemudian bekerja sbg peguam. Blh tak isteri sy nak beli honda city full loan, dgn sy sbgai penjamin kpd isteri?Blh emailkan quotation x.

  272. ekal says:

    Hi, saya fresh graduate yang baru bekerja swasta dengan pendapatan RM3000 dan elaun double my salary. My question, boley tak saya nak buat loan untuk beli kereta brand new dengan harga dlm lingkungan RM120k. Saya tiada blacklist, rekod bersih dan tiada mempunyai sebarang tanggungan. Tq

  273. heho says:

    saya nak tnya.saya akn start keje bln march nie di sarawak.starting salary around 4.4k…tp bfore ths sy already have my own online business tp xde slip gaji r…kereta apa yg sesuai utk sy kalau sy sanggop baya around 700 per month utk kereta.bole tak kalau sy booked kereta kat sni tapi amek kereta tu di sarawak nnti :) thnx

  274. harfes says:

    saya pkai satria neo cps wrna hitam thn 2010…sya bele kereta nie secnd form usedcar..klu saya nak trade in kerta saya nie untuk beli kereta baru satria neo cps r3 yg brhrga rm61k bleh??brpa saya perlu tambah duit or x perlu tambah?

  275. fana says:

    salam. saya berminat untuk membeli ford fiesta sedan/sport. gaji bersih utk sebulan adalah 2k. adakah saya layak untuk mendapatkan scheme ni?

  276. mohd izwan ramlan says:

    salam. sy nk tya, sy bekerja untuk sebuah badan berkanun secara kontrak. adakah saya layak memohon skim kereta pertama?plus allowance,, my salary is about 2300k.

  277. azuan says:

    salam, saya bekerja baru 3 bulan dan gaji basic saya 2200 not plus OT n commision, berhajat utk membeli honda crz, adakah saya layak?

  278. Daniel says:

    Whats the different between a normal car loan and a graduate scheme car loan? i just graduated in october 2012. Am i eligible to apply for this scheme? Thanks

    • admin says:

      Daniel, you are still eligible for this scheme. Please note that this scheme would allow you to not pay any down payment.

  279. Muhamad Faiz Mohamed Asseri says:

    Salam..saya pekerja swasta,gaji rm4k termasuk elaun. Saya berminat dengan kereta 2nd hand dalam market price rm80k, year made 2002,register 2007..layak kah saya untuk buat loan?dan ada cadangan lain..pilihan saya hanya kereta ini..terima kasih atas pertolongan tuan..jika xkeberatan, emel saya k..reventon_revenge@yahoo.com

    • admin says:

      Wasalam, you nk beli model ape? Down payment? You kena check maximum loan you boleh buat utk kereta tersebut.

  280. sandra says:

    hi..i am quite confused actually on what car to purchase under this scheme..i graduated on last sept and currently working..net salary rm2200..can u advise me on the price and monthly installment that i need to pay..can u send me the quotation for proton, suzuki, honda, toyota and suzuki..it will make me easier to choose car according to my monthly budget..thanks :)

    • admin says:

      Hi Sandra, please check your email. what’s your budget?

      • php says:

        My situation is pretty much the same with Sandra. can you advise me as well. and what is the best first car to buy with RM2200 salary :)

        thanks

      • admin says:

        Hi there, we have emailed you the details. The most important question is your budget range. Would Perodua Myvi sound good for you?

  281. eric says:

    hi…nk tny…sy bru abis stdy and tak konvo lg, my convocation is on May…now dah keja with basic 1800…if i wanna buy viva automatic…is that possible?

  282. Uva says:

    Hi,
    Hi I already graduated on feb 2013 and currently working with a salary of rm2300. I just started work 2 weeks ago and I would like to buy a brand new viva. Am eligible to buy and can you please send me the quotation. Thanks.

    • admin says:

      Hi Uva, we have emailed you the details. Yes you are eligible to apply for the loan. Please email us the required documents whenever you are ready.

  283. john says:

    Hello. Boleh cadangkan kereta terbaik untuk gaji around 3500k. tq

  284. yani says:

    adik saya masih belajar(qualification:sijil), dia nak beli kereta myvi saya tahun 2008(28k). boleh ke pakai skim ini? kalau penjamin mak saya, tp mak saya tiada penyata gaji. Boleh ke?

  285. Fizi406 says:

    Baru ditawarkn kerja dgn basic rm2200 permulaan. Bercadang utk membeli kereta 2nd hand honda city model baru dlm aggaran harga rm64k. Boleh ke jika nak guna skim graduan?

  286. ric says:

    Hi,
    im From sarawak..diploma Graduated.. Working With Company 7month.. can i use This Scheme?

  287. afiq says:

    hi..

    saya pelajar tahun akhir di sebuah ipts dan saya ingin membeli kerete myvi se 1.3 2013..

    bolehkah saya membeli kereta dengan ayah saya menjadi penjamin?

  288. zuez says:

    hi,skim ni available lg x?untuk keta second hand?

  289. nordiana nadia bte mohd rashid says:

    saya nak tanya kalau saya da graduate tahun 2010,tp masih blum bekerja,dan ingin keluarkan kereta,penjamin bapa saya boleh ke?

    • admin says:

      Salam, you dah dapat offer kerja mana-mana ke? Kalau you ada bapa sebagai penjamin, yes you boleh apply. Dapatkan quotation seperti yang dinyatakan didalam email kami.

  290. AS says:

    Hai. Saya graduate last year & currently dah setahun bekerja. Boleh cadangkan kereta apa yg sesuai utk saya beli?

    Saya lebih berminat dengan kereta Honda or any cars yang sesuai utk gaji bersih saya around 2.7k.
    TQ

    • admin says:

      Salam, berapa budget bulanan you? Kami suggest you ambil model Vios J. Maintenance lebih murah daripada honda dan mempunyai fuel efficiency yang lebih baik.

      • AS says:

        I xsure lagi sbb xpnah beli kereta sblum ni, just pakai kereta parents. Just budget tu maybe max RM900 & duit muka maybe boleh bayar 15k+..

      • AS says:

        I xsure lagi sbb xpnah beli kereta sblum ni, just pakai kereta parents. Just budget tu maybe max RM900/month & duit muka maybe boleh bayar 15k+..

      • admin says:

        Kalau cmtu, you boleh pilih Honda City / Vios. Sila check email you utk dpatkan quotation bagi kedua-dua model.

  291. syha says:

    hye.. sy freshgradute. baru dapat offer untk kerja dgn badan berkanun, UKM. bsic 920, plus elaun montly dlm 1400, and sy jugak part time mgjar tsyn, plus 2 keja dalam 1800. layak ke utk ambk myvi extrem auto.. offer keja saya kntrak setaun, tapi kntrak akan renew2.

  292. wan5083 says:

    Hi, saya masih dalam tempoh praktikal untuk diploma tapi sudah ditawarkan kerja dengan basic rm1000.00 .Saya berminat untuk dua pilihan kereta iaitu viva 850 manual / viva S auto.. adakah saya perlu penjamin atau bagaimana ?

    • admin says:

      Salam Wan, you perlukan penjamin jika you ingin membeli model Viva tersebut. Sila hubungi kami jika you ada sebarang soalan. Thanks!

  293. Hmm it appears like your blog ate my first comment
    (it was super long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly enjoying your blog.
    I as well am an aspiring blog writer but I’m still new to the whole thing. Do you have any tips and hints for first-time blog writers? I’d genuinely appreciate it.

  294. nm says:

    hi pic. saye berminat dgn mirage atau alto. basic saye rm2.5k.monthly comitment saye boley push around rm400.layakkah?bpe d/p diperlukan? tq

    • admin says:

      Hi, it would be much better to get the Mirage. Tetapi, kalau you ingin dapatkan loan dengan monthly commitment around RM 400, loan you boleh dapat around RM 35k sahaja.

  295. man says:

    hi admin,

    I’m looking forward kia forte 1.6sx or 2.0sx model 2013. dah keje lebih setahun, grad tahun 2011. Downpayment 20k, + kereta lama utk trade-in. Boleh i dapat quotation? terima kasih.

    • admin says:

      Hi man, kami dah emailkan quotation. Boleh hubungi kami untuk berbincang mengenai harga trade in tersebut.

  296. amir says:

    salam..saya fresh graduate degree..
    dan ada offer letter sbg trainee di wellknown company dgn sallary rm1800..
    so..emel pada saya kereta yang layak dibeli tanpa guna grentor under fresh graduate scheme..
    TQ

    • admin says:

      Wasalam Amir, kami dh emailkan quotation dan pilihan yang ada utk you berdasarkan gaji termasuklah perodua Myvi dan Proton Saga.

  297. dila says:

    I graduated on oct 2012..i just started work about 2 months..i’m interested with myvi se 1.5..with my salary is 2300 could i apply this scheme?

  298. farra says:

    hi,i graduated on jan 2013 and have been working for almost 4 months with 2.5k salary. im interested with ford fiesta.could i apply for this scheme for that model? thanks

    • admin says:

      Yes you can apply for this scheme. But please note that this model is out of stock. Please check your email.

  299. lia says:

    Sy baru convo dan baru mula bekerja .Belum ade payslip tp ade offer latter. Gaji bersih dalam rm1600. Adakah layak untuk ambil proton saga 1.3 SV cvt..? Boleh email sy details?

  300. Masni says:

    Salam Sejahtera,
    Saya nak tanya saya fresh graduate, saya baru berkerja dan tak sampai pun sebulan. Gaji basic saya 1800 dan saya berminat nak beli kereta myvi 1.3, nak tahu kalau macam ni boleh ke? Dan agak susah kalau nak parents jadi penjamin, selain parents siapa lagi boleh jadi penjamin?
    Terima Kasih.

    • admin says:

      Wasalam, kami dah emailkan maklumat yang diperlukan. Kemungkinan besar you tidak perlu sediakan penjamin bergantung kepada kelulusan bank.

  301. vimal says:

    salam admin, sy dah keje lebih setahun, gaji sy RM2300, + RM600 fixed elauns = RM2900. Antara kete2 yg berikut, yg mane mudah utk sy lepas loan application?

    1) Kia Forte 1.6 Auto
    2) Honda City
    3) Toyota Vios G
    4) Proton Preve CFE

    • admin says:

      Hi, of course Proton Preve will be much easier to get loan approval. If you want to aim for Honda City, we can try our best to help you with the loan application. Please check your email for the latest quotation.

  302. wani says:

    hi, i juz an got offer letter with the basic of RM1500. I intend to buy a car to use as a transport to work. however i still didn’t receive my degree scroll. but i have my transcript with me.. i planning to buy a car under graduate scheme.. which car would you suggest that will only cost me RM400 max per month?

    • admin says:

      Hi wani, you need to provide a guarantor. Is that possible? Please check your email for Proton Saga / Perodua Viva’s quotations.

  303. fai says:

    hi, saya akan mula bekerja minggu depan dengan basic 2.5k + elaun =2.7k+
    saya berminat untuk mengambil honda jazz ckd (bukan hybrid). adakah saya layak? atau encik boleh cadangkan model2 lain untuk saya melalui skim graduan ini? adakah saya memerlukan penjamin? saya mempunyai semua dokumen(offer letter, surat pengesahan tamat belajar, lesen, ic). thank you.

  304. deAn says:

    hi,
    I just want to buy my first car, either new or used car,
    can you send me applicable car for this scheme with the plan…

  305. Rawaida Aifa says:

    Hi.. sebenarnye sy ade guna kn khidmat seorng salesman ni utk dapat kn kereta mitsubishi mirage dengan grad scheme ni..tp die tetibe ckp sy kne bayar rm500 booking fee..setahu sy..kan 100% full loan..kena byar ke booking fee 500 tu admin??

  306. Izzul says:

    Assalamualaikum. Saya telah mula bekerja di Sarawak pada 18/6/2013. Baru ada 2 bulan slip gaji. Saya berminat dengan MYVI SE 1.5 (Auto). Gaji basic saya 4k. Boleh saya dapat an quotation tak?

  307. Lily says:

    i want to buy suzuki alto but my basic salary only rm1500..

  308. Aan says:

    Hello.

    Baru bekerja selama 4bulan. Gaji bersih saya rm2200 dan berminat untuk membeli toyota vios J. Tiada downpayment. Im a serious buyer and looking for a first new car.

  309. Niz says:

    Salam admin..

    Saya graduate pada 2010.Sudah bekerja (1 tahun lebih) dan ada confirmation letter.Gaji basic 2100 dan bersih selepas tolak kwsp+sokso = 18++..berminat antara preve auto atau persona auto(sv / elegence standard)..
    adakah saya perlukan guarantor? adakah saya sesuai utk skim graduan atau normal loan? umur 25 tahun.jika loan biasa, bolehkah downpayment bwh 10%..contoh 2k-3k..dan model ape yang sesuai dengan gaji saya..

    • admin says:

      Wasalam, Niz boleh dapatkan full loan atau bayar kurang dari 10% bagi Proton Persona. Sila check email niz utk maklumat lanjut.

  310. Song says:

    Hi
    I just graduated in December and about to start working in the mid of January.
    My basic will be Rm2,700.
    I am thinking of getting a car like Viva or Saga at the beginning of February, is it possible? Am I eligible for the graduate scheme? Do I need to have a guarantor as well? Please advise.

  311. wan says:

    Saya graduate 2013, baru bekerja di syarikat swasta. Gaji rm2500. Boleh tak saya nak beli honda crz bawah graduate scheme? Ini first kereta saya nak beli. Baru bekerja sebulan.

  312. syafiq88 says:

    Bos,can u give me the quotation for honda jazz with fully body kit using this scheme with RM 10,000 down payment

  313. jonfoo says:

    salam.sy bru hbez study dan sudah bkerja 7bulan.unur 23.sy bcadang mmbli honda jazz secondhand harga 48k.downpayment 5k. basic sya 1800..sy dah submit do.tp loan x lpas sbb penjamin blacklist..so skrg sy tiada penjamin lain.bagaimana?

  314. saifol says:

    Salam admin..saye berumur 24 thn n fresh grad.bru dpt offer letter n salary dlm 2400..bolehkah saye apply skim ni?saye berminat dgn myvi n persona..nk mntak pndapat admin,model mne yg sesuai n berpatutan dgn saye yg baru bkerja ni..please email me the detail or quotation.tq.

  315. Alan Hilmi says:

    hi, gaji i 2.8k dan ot rm15 sejam.monthly i kira-kira boleh dapat 3-4k.saya ingin membeli vios atau honda city.boleh bantu saya?umur saya 30 pada bulan oktober ini.Masih boleh gunakan skim graduan

  316. maya says:

    Hi, saye nak beli kereta neo second hand from direct owner. Cmne saye nak apply graduate skim ni? Boleh email saye lebih lanjut? Thanks

  317. aizuddin says:

    Hi.saya baru kerja dlm 9bulan selepas degree.gaji rm2.2k.layak x utk skim graduate ni?kalo beli nissan almera ke toyota vios lepas x.tq

  318. hafiz says:

    admin tumpang tanye skim ni bileh apply utk kereta 2nd hand x?sy fresh graduate gaji bersih 2500.boleh apply untuk toyota vios?

  319. Aini says:

    Boleh send quotation vios with 0 downpayment ? Saya baru graduate but sjil diploma xdpat lg boleh ke kalau saya guna skim graduate guna letter convo? but basic tolak epf socso dalam 1.1 k mcm tu , ada penjamin saya setahun bkerja tetap.. mohon bantuan .. thanks

  320. bellaluna says:

    Hi

    I want to know how much interest rate for 2nd civic fd yr 2007?or can I use this scheme?

  321. Sabrina89 says:

    Hi. Saya berminat beli viva auto, baru grad,
    kerja start next month with basic rm2900..
    . Kalau beli kereta guna skim ni,
    At least kena sediakan duit dlm tgn berapa?
    Mcm untuk settle jpj insuran sume? Thanks ye

  322. maizul haffin says:

    Salam.

    Sy baru kerja 4 bln, gaji basic 2500. Ada loan asb 100k bulan2 600. Nak beli forte 65k. Boleh bagi panduan?

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