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# Ford fiesta spare parts price list malaysia

I don't think opposition will win, because of the most creative corrupted government. They are all in to win this election, with the help of corruption. The only way to win against this corrupted government is 80% of Malaysian vote against them. Want cheaper car, vote wisely.

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IMHO, this is not a good deal and a very confusing / non-flat rate interest rate. Here's why. *Alert* Lots of math calculations ahead. All calculations make use of OTR. Let's take the RM 588 installment. Working backward, with RM 76K being the 90% loan amount, that works out to selling price of RM 84,444. ( RM 76 K x (100/90)). That points to the Fiesta 1.6 Sports hatchback, RM 84,888. So you put down payment of RM 8,888 (Wah. Very Ong !), and that gives you RM 76 K loan amount. Actual Total Interest Charged. Let's sum up the total amount to be paid. Year 1, (RM 588 x 12) = RM 7,506 Year 2, (RM 718 x 12) = RM 8,616 Year 3, (RM 818 x 12) = RM 9,816 Year 4 - Year 9 (Month 1 - 11) ( RM 868 x 77) = RM 66,836 Year 9 (Month 12) = RM 990.80 GRAND TOTAL = RM 93,764.80 Thus Interest = RM 93,764.80 - RM 76,000 = RM 17,764.80 That interest is 23.38% of the loan amount, (RM 17,764.80 / RM 76,000), it being equivalent to FLAT rate interest of 2.60% per year, (23.38% / 9 years). The interest itself is very good. It's not a bad deal. However, the catch is the PERCENTAGE of increment from Year 1 - Year 4. Here's the breakdown. Year 1 - Year 2: ((RM 718 - RM 588) / RM 588) x 100% = 22.11% Year 2 - Year 3: ((RM 818 - RM 718) / RM 718) x 100% = 13.93% Year 3 - Year 4: ((RM 818 - RM 868) / RM 868) x 100% = 8.06% How the above applies is your salary increment, (if there is one in the first place !), has to match the above raise the percentage above for the next 3 years. If it doesn't, you're screwed. What job and in what industry will give you an increment of 8% in 1 year, let alone 22%. In short, take this offer if and only if you can afford to set aside the maximum installment amount, this case being RM 868, right from the start. Don't go near this if you are not within 90% and above of this amount.

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Just want to highlight some errors (correct me if I'm wrong); Total amount to be paid: Year 1: RM588 x 12 months = RM7,056 Year 2: RM718 x 12 months = RM8,616 Year 3: RM818 x 12 months = RM9,816 Year 4-8: RM868 x 12 months x 5 years = RM52,080 Year 9: (RM868 x 11 months)+RM990.80 = RM10,538.80 Grand total = RM88,106.80 Hence, Interest = RM88,106.80 - RM76,000 = RM12,106.80 That is 15.93% of the loan amount; which leads to an annual rate of 1.77% (same as advertised). The percentage of annual increment: Year 1-Year 2: [(RM718-RM588)/RM588)] x 100% = 22.11% Year 2-Year 3: [(RM818-RM718)/RM718)] x 100% = 13.93% Year 3-Year 4: [(RM868-RM818)/RM818)] x 100% = 6.11%

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Went to Ford show room today. Was told 1.4 manual no more stock. Was told 1.6 only left 1 colour. Also, they said new stock coming in March 2013. So, I thought I could book 1.4 manual but went home without anything. Ford, please don't mislead us with the advertisement if you don't have any car for the customer. Also, was told there was no 7 airbag for 1.4 cc. Why their website and brochure printed with 7 airbags. Seriously misleading.

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I know it's the norm here but paying 9 years for a car is silly. Even before you are halfway paying back the loan the market value of your car is below the balance of your loan. At this stage it is cheaper to let the bank re-possess your car than pay back the loan if you want to change car. But in Bolehland you can't just do that. The bank can sue you for the balance if they cannot recover the balance of loan from repossessing and selling your car. Escalating instalment plan should be avoided. This assumes that your income will rise as you age but what if it doesn't? Remember that inflation is also rising and you may have more expenses like eduction as your children grows. This is not the way to afford a car which you can't afford now. And yes, I agree with the comments of "poor Malaysians needing 9 years to pay off a small car". Only in Bolehland.

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