​Sesi mengopi TANPA beli kopi #333

​Sesi mengopi TANPA beli kopi #333
(Tuan/puan boleh tanya sebarang soalan berkaitan industri kereta terus ke FB Messenger saya)

SOALAN:

Hi, i have a camry 2007 2.0E, loan 72000 2 years back, interest rate 3.75% for 7 years, if i want to trade in for new car, how much i need to top up for the existing loan?

JAWAPAN:

Assuming your monthly installment is 

[($72,000 × 0.0375 × 7) + $72,000] ÷ 84 
= RM$ 1082

Since you have paid about 2 years meaning
$1082 × 24
= RM 24, 929 (have been paid to the bank thus far)

Your balance owing for the car is

[RM 72,000 + ($72,000 × 0.0375 × 7)] - $24, 929
= $64, 929

This balance is not full settlement figure from the bank. It will be lower than this figure but because normal non bank people wouldn't know their calculation for cash settlement so we assume this amount for now.

Market selling price for your car is approximately
$ 47,000

Hence you will have to top up about:

$ 64,929 - $ 47,000
= $17, 929

Eddie Soh
ABS-EH Motor (ditubuh 1985)
bertenang... kereta 2nd hand kami ada WARANTI

#ABSEHMotor
#Sesimengopitanpabelikopi