Pls offer Advice for Me!!---> [Car Buying Options]...Thanks.
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hi guys,
i'm a newbie here.
came here thru searching for cars...
after reading so many interesting posts here...
i decided to register and write some things...
it's been most impressive that u guys seems to know alot abt cars!
haa haaa...
i'm kinda car idiot..onli know how to drive..
anyway i'm looking at an old S13 now..
if u guys have any comments abt this car..
cos its cheap...but rd tax is ex! @$1875 per yr..
wondering too if anyone is selling too...
or any current owners who can enlighten me abt the maintenance of this car.
need some feedback as in if it's worthy of a buy..
thanks.
best if anyone can have any recommendations or offers for any nice
and sporty looking cars with easy maintenance i.e cheap maintaing...
installments = not more than $800/per month...
downpayment = can down anything up til 10k max
cc wise = below 2000cc
dun need a fast car...but reasonable pickup will do
i'm not a speed demon so i'm fine with most vehicles
looking at any cars from re-newed coe / 2nd hand to new cars.
looking at some feedback abt cars that're worthy..
need to know wht are my options available.
whether u're selling or driving such cars...pls provide me with such comments.
thanks.
*btw, below are my particulars
1) 1st time buyer
2) age = 28yrs
3) occupation = ops exec
4) income = fixed $2.5k/mth [take home after CPF deduction]
5) full mthly contributions not more than 1.5k/mth for:
a) mthly installment
b) petrol [capped @ $300/mth]
c) parking fees
d) mthly contributions for insurance [taking 1yr ins/12mths]
e) mthly contributions for road tax [taking 1yr rd tax/12mths]
thanks...thanks...
btw...needs lots of reviews from past/present S13 drivers.
worthy buy?????
or any suggestions or buying options that i can look into?? -
u cant afford it
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Get a new car ! the old car may look cheap, but in the end it will cost more.Originally posted by tikoman:hi guys,
i'm a newbie here.
came here thru searching for cars...
after reading so many interesting posts here...
i decided to register and write some things...
it's been most impressive that u guys seems to know alot abt cars!
haa haaa...
i'm kinda car idiot..onli know how to drive..
anyway i'm looking at an old S13 now..
if u guys have any comments abt this car..
cos its cheap...but rd tax is ex! @$1875 per yr..
wondering too if anyone is selling too...
or any current owners who can enlighten me abt the maintenance of this car.
need some feedback as in if it's worthy of a buy..
thanks.
best if anyone can have any recommendations or offers for any nice
and sporty looking cars with easy maintenance i.e cheap maintaing...
installments = not more than $800/per month...
downpayment = can down anything up til 10k max
cc wise = below 2000cc
dun need a fast car...but reasonable pickup will do
i'm not a speed demon so i'm fine with most vehicles
looking at any cars from re-newed coe / 2nd hand to new cars.
looking at some feedback abt cars that're worthy..
need to know wht are my options available.
whether u're selling or driving such cars...pls provide me with such comments.
thanks.
*btw, below are my particulars
1) 1st time buyer
2) age = 28yrs
3) occupation = ops exec
4) income = fixed $2.5k/mth [take home after CPF deduction]
5) full mthly contributions not more than 1.5k/mth for:
a) mthly installment
b) petrol [capped @ $300/mth]
c) parking fees
d) mthly contributions for insurance [taking 1yr ins/12mths]
e) mthly contributions for road tax [taking 1yr rd tax/12mths]
thanks...thanks...
btw...needs lots of reviews from past/present S13 drivers.
worthy buy?????
or any suggestions or buying options that i can look into?? -
Mazda 6 fit your bill! 2 litre car.
80k price tag
10k off = 70k loan
70k loan for 10 years = 7++
Including all would be 1.5++ per year!
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How much is the S13 you are looking and which year is it registered?
since you've put so much info, maybe i can help with some estimation if you can provide more info on the car.
BTW, if you think road tax is ex, you also have to know this.
If the car is 1st registered in 93-94, and the $1.8K road tax is the current one,
this cost of road tax will steadily increase over the next 4-5 years up to 50% more.
Frankly, it may be a good idea for you to look for new cars,
esp. since you don't have any old car that you really like, that you are willing to pay a premium for. May make more financial sense.
Also, since you seemed not very experienced in cars,
getting a old cheong car by yourself is really risky,
coz you may not even recognise bad car condition even if it's staring at you.
Asking sellers about car condition no use in this kinda buyer-beware transactions.
Juz my 2 cents,
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you are willing to spend $1500/mth.Originally posted by tikoman:installments = not more than $800/per month...
downpayment = can down anything up til 10k max
cc wise = below 2000cc
dun need a fast car...but reasonable pickup will do
i'm not a speed demon so i'm fine with most vehicles
4) income = fixed $2.5k/mth [take home after CPF deduction]
5) full mthly contributions not more than 1.5k/mth for:
a) mthly installment
b) petrol [capped @ $300/mth]
c) parking fees
d) mthly contributions for insurance [taking 1yr ins/12mths]
e) mthly contributions for road tax [taking 1yr rd tax/12mths]
less petrol of $300 = $1200
assuming you are staying at HDB, season parking = $65
plus, parking here and there, ERP, say = $55
Total for parking and misc = $120
less this cost = $1200 - $120 = $1080
here comes the fun part:
A. assume your insurance is $1000/yr, this amount will allow you to get most saloon car.
per month will be $1000/12 = $85
and road tax, depending on the size of the engine:
<1600 cc = $1000/yr (approx), = $85/mth (approx)
1600cc < size < 2000cc = $1500/yr, = $130/mth
So, amount left for installment
= $1080 - $85 - $85
= $900+ for a car <1600 cc
OR,
= $1080 - $130 - $85
= $800+ for a 1600cc < size < 2000cc
B. assume you want to get a 2 door sports car, your insurance is $1800/yr.
per month will be $2000/12 = $150
and road tax, depending on the size of the engine:
<1600 cc = $1000/yr (approx), = $85/mth (approx)
1600cc < size < 2000cc = $1500/yr, = $130/mth
So, amount left for installment
= $1080 - $150 - $85
= $800+ for a car <1600 cc
(the only car i can think of for this amount of installment, for sports car is PROBABLY a mazda mx-5...)
OR,
= $1080 - $130 - $150
= $750+ for a 1600cc < size < 2000cc
(but usually, for this amount of installment, you won't be able to get any 2 doors sports car, maybe the hyundai tuscani...)
So, this is my estimation for you. calculation is based on 10years loan, with a bit of downayment (apporx 10%)... of course, talking about purchasing a new car.
anyway, this is my approximation for my own salary too. planning to get a new car too...
oh yea, the COST for the car here is really MIMIMUM liao...
AND, havent include car maintenance every 3-4 months, which is about $200-$300... -
Funny that you said he can't afford it even with 1.5K set aside for the car. Is that S13 really so demanding on the maintainence cost?Originally posted by huoye:u cant afford it
My sportcar look alike would be the old Colt. 2 door. COE car. Maybe you can have a look. Or a new Lancer SE. -
for a first time buyer, not yet over 30. Recommend not to get a sports car anyway. If you need to, use a person name over 36 probably your dad or your mum. That way you can at least save on insurance.. If you are a frequent traveller.. fuel will be at least 400 bucks on those kind of cars. then the installments as well...
add add add... one month will come to at least 1K expenses... excluding road tax and insurance. since you dont have to pay them every month..
but with your bracket scale.. it would probably be enough to afford it.. my 2 cents worth.. -
insurance, parking, petrol and the likelihood dat something in the car has to be changed every 2 mths.
U own a car so u shld know.........its not juz the cost of the car and the road tax its all the overheads and i dun think a person dat buy a s13 will buy it for himself.....more or else so he can ferry his gf/galfren ard.......blah blah blah
Anyway its my opinion only....
If downpaymeny is 10k which is max he can afford
a ) mthly installment <---- abt $450 - $500
b) petrol [capped @ $300/mth] <--- i doubt very much. And wad if petrol price rise so abt $400
c) parking fees <--- season parking (home) $90 , season parking (office) $100,outside parking $40 fine once a mth $30, total = $260
d) mthly contributions for insurance [taking 1yr ins/12mths] <-- $160
e) mthly contributions for road tax [taking 1yr rd tax/12mths] <-- abt $160
Total = $1480
i think its too tight, muz always haf enough spare cash for a rainy day
and this is when he put a max downpayment dat he cann afford so can assume he shld not haf much or none savings left -
so glad to get so many valuable feedback.
i'm thinking of putting downpayment so mthly not so siong mah...
if i get loan stretch to the max...approx mthly $400..
but i'm taking a loan ending 2yrs earlier than car life, so approx $500
INSURANCE $2,200.00
ROAD TAX 12MTHS $1,895.25
INSTALLMENT $486.50
PETROL $400.00
PARKING [H] $90.00
PARKING [O] $140.00 [town area mah]
TOTAL $1,357.78
so plus minus, mthly exp on that car is approx $1.5k
with this budget...anymore chio looking cars??
at least i drive liao wun everyday dulan mah...
at least everyday drive liao happy happy
[provided car dun gimme problems lah]
haa haaa -
COE cars can see from www.sgcarmart.com
Got I think 100+ such cars on offer.
Take a look: http://www.sgcarmart.com/main/listing.php?MOD=&CAP=Any&PR1=0&PR2=&TP=Any&GR=Any&FR=Any&TO=1996
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new car also good...
but dunno which sportssaloon car <2000cc i can afford to buy leh..
not really a hatchback fan though
Citroen: dunno simi model to buy...
Chevrolet: dunno simi model to buy...maybe Optra5??
Daihatsu: not keen leh
Ford: not keen also
Honda: City not nice, so left Civic onli...Fit/Jazz??
Hyundai: not much choice for <2000cc leh
Kia: not much choice for <2000cc leh
Mazda: new mazda all so exp..may as well buy Honda
Mitsubishi: dun like the new lancer look...
Nissan: Sunny cheap but dunno got mkt or not leh?
Opel: not interested leh
Perodua: not interested also
Peugeot: onli interested in either 206cc or 407 both which are sibe exp
Proton: not interested also
Renualt: Megane looks gd leh but abt 82k..
Skoda: exp
Subaru: not a fan..
Suzuki: not keen also
Toyota: Vios looks ok but hate the console being place centrally.
the rest are all upend continental cars liao....
haa haa -
maybe you narrow it down to two or three... then it will be easier to find.. for me i picked on jap car ( Mazda 3 ), one conti car ( renault megane sportshatch ) and then a korean ( Tus ). at the end chose the coupe over the other two..
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INSURANCE $2,200.00
ROAD TAX 12MTHS $1,895.25
INSTALLMENT $486.50
PETROL $400.00
PARKING [H] $90.00
PARKING [O] $140.00 [town area mah]
ur parking only home and office?????
u mean u dun go out??? at least $50 monthly for parking when u go out........ den ur servicing no need money meh???
and den wad if got fined by TP or URA???? and if its a old car wad if u nid to change spare parts???????
haizzzzz i think u get a kelisa ba.............
ANyway if u ask mi i dun think ur budget give u a choice to choose from much...
begers cant be choosers -
haa haa....
well perhaps...
tot of aleast having 1k at hand per mth for my own use mah...
so sad to think of it...
it really puzzles me that how so many ppl younger or ard my age can afford cars...
thanks Huoye.. -
wah so ex ah ur road tax?? my cousin's S13 road tax only 800+ leh...hmm....farnie...
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maybe ur cousin is 6mths and his is 1 yr de leh...
No prob tiko juz dun wan u get into financial trouble
i am doing repo of cars in a bank so i seen alot pple who think they can afford it but well.................... at last kena jialat jialat
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maybe ur cousin is 6mths and his is 1 yr de leh...
No prob tiko juz dun wan u get into financial trouble
i am doing repo of cars in a bank so i seen alot pple who think they can afford it but well.................... at last kena jialat jialat -
Get a normal car instead of a sport car first. Not everyone can support a sport car. With its monsterious FC and skyhigh insurance, you will be spending around 300 more. Plus sportcars maintainence is more ex than other cars in term of spare and such.Originally posted by tikoman:haa haa....
well perhaps...
tot of aleast having 1k at hand per mth for my own use mah...
......
Just get a normal car that looks like a sport car. Lancer, Imperza, Mazda, are a few sporty looking cars that is more affordable.
Wow, that guy have 1.5k for car and you ask him to get Kelisa??? From all sources I have, it doesn't take you much to support Kelisa. Kelisa has relatively low maintainence cost, only 1k is needed with $500 installment included. With that $500 extra, he can at least go for Jazz or its like. Although his stand of spending only 1k per month is quite questionable. Not insurance? No family committments? No study loans?Originally posted by huoye:......a old car wad if u nid to change spare parts???????
haizzzzz i think u get a kelisa ba............. -
finally decided to buy an old coe car....
just put 1k deposit...
hee heee
car selling at 30k.
coe til May'2011
insurance abt 2.3k per yr due to me 1st owner
road tax 1.9k per yr
downing 10k...
any comments?? -
mazda6 the petrol u put until siao ar !!! my friend jus bought and regret like hellOriginally posted by vicky05:Mazda 6 fit your bill! 2 litre car.
80k price tag
10k off = 70k loan
70k loan for 10 years = 7++
Including all would be 1.5++ per year! -
Get a honda city 1.5 auto 7speed, rd tax abt 900 ayear. petrol full tank abt $60, can travel abt 550km.
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Maybe he has an elephant leg.. just can't control his strength to the full pedal!
Originally posted by secret_boy:mazda6 the petrol u put until siao ar !!! my friend jus bought and regret like hell -
how can u be first owner for a COE car...... and i think u shld count how much is ur depreciation for the car yearly...and 30k is quite high but muz see wad car ba
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Bro, i wll recommend you to buy a new car.. Just an eg: Lancer Manual Sports
now cost 63k, and down payment is 10 percent, if you pay for 10 years, every month is less than 600.
With a new car, you don't have to think of the problems that might arise from a second hand car. The car could have met with an accident badly and was quickly sold to the dealer.. parts might broke down over time due to wear and tear if you buy cars that are more than 10 years.. You might need to change lots of stuff and with that amount of money, you can pay for the maintenance of a new car..