Toyota - Altis? Vios? Wish? advice pls..
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hi I am new here. Appreciate someone can offer some valuable advices.
I have a 3 years old Vios, thinking to change either to Altis or Wish or no change at all.
Some concerns I have, especially the monthly instalement and running cost which I need to consider and its function too. Which is a better buy?
Say, my car is at breakeven point and mthly instalment is about $620/-. hope that the new mthly instalment will be lower than the current and its running cost as well. -
Running cost as in FC? If yes, better stick to vios.
Lower monthly instalment? Unless you put a heavy downpayment or you can stretch your loan to the max.
In my humble opinion, it's better that you stick to your vios. -
do your financial analyze, see whether your existing vios resell value can cover new car downpayment and pay back your loan, of course for altis, no reason go for Wish, high running value, not worth, unless you have a big famllyOriginally posted by Ying4:hi I am new here. Appreciate someone can offer some valuable advices.
I have a 3 years old Vios, thinking to change either to Altis or Wish or no change at all.
Some concerns I have, especially the monthly instalement and running cost which I need to consider and its function too. Which is a better buy?
Say, my car is at breakeven point and mthly instalment is about $620/-. hope that the new mthly instalment will be lower than the current and its running cost as well. -
this dude got the same vintage same car as me sia...Originally posted by Ying4:hi I am new here. Appreciate someone can offer some valuable advices.
I have a 3 years old Vios, thinking to change either to Altis or Wish or no change at all.
Some concerns I have, especially the monthly instalement and running cost which I need to consider and its function too. Which is a better buy?
Say, my car is at breakeven point and mthly instalment is about $620/-. hope that the new mthly instalment will be lower than the current and its running cost as well.
u took 10 yr loan rite? so possibly u wan change car u might have to top up a little.. coz at most the car oso break even nia.. my advice is.. stick to the car.. or change to other makes ba... to me anyway... there r other make/models that are better value/choices than them 2 ba..
ur vios.. got creaks at the front windows/doors? got rattle at front speakers cover? go car wash then door innards will totally be wet? rear suspension got TENG sound once in a while? got vibrating front number plate?
even with all these... i suggest sticking to the car for a while more if u can afford it... maybe if u change car next yr.. even if to a smaller one.. u might actually be able to afford a shorter loan term... and u can own ur own car.. instead of the bank.
sit on it for a while... think about it.. dun make rash decisions -
ya ,10 years loan. I have done some checking. Another one to two instalements, the current loan or the car will be reached itsbreakeven point, whereby the loan can be fully settled with the "chia being tai" . And I can switch to a new car with no cash involvement. I may able to take 100% loan if my salary is within the required range..... Wish is definitely out for me after the comment I read here... only altis, hmm...diliemna
Worry about the running cost, mainly petrol, RT and Insurance..... say for vios cost me about $450 a month on petrol, will altis able to match or slightly higer..
Why I still go for toyota, fuel consumption is lower... -
bro.. not adviceable to go for 100% loan... at least i have nv heard of pple going for 100% loan lah??
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cant get to slp... so am up.. posting this..Originally posted by Ying4:ya ,10 years loan. I have done some checking. Another one to two instalements, the current loan or the car will be reached itsbreakeven point, whereby the loan can be fully settled with the "chia being tai" . And I can switch to a new car with no cash involvement. I may able to take 100% loan if my salary is within the required range..... Wish is definitely out for me after the comment I read here... only altis, hmm...diliemna
Worry about the running cost, mainly petrol, RT and Insurance..... say for vios cost me about $450 a month on petrol, will altis able to match or slightly higer..
Why I still go for toyota, fuel consumption is lower...
altis is not exactly the most frugal.. frugal cars... off hand i can mention honda city/jazz.. lagi frugal one is picanto or kelisa..
another alternative if u must stick with toyota... trade in ur current and get the new FL vios lor.. cheaper to get.. just as frugal to run -
Originally posted by nOrmalbOi
Agree.
altis is not exactly the most frugal.. frugal cars... off hand i can mention honda city/jazz.. lagi frugal one is picanto or kelisa..
another alternative if u must stick with toyota... trade in ur current and get the new FL vios lor.. cheaper to get.. just as frugal to run
City/jazz will be better in terms of FC. But cost a bit more.
I wouldn't want to buy toyota again, somemore another thai made. Not sian meh? -
how abt hybrid?
vios 450/mth? quite high...unless you're always out of office driving around the island.
jazz can hit 500-600km/full tank (auto) and top up after 6-7days. each top up is dependent on what u fill...(but of course its only a 1.3/4L car)
if u are in no hurry, keep the vios. its a gd car. serves ur purpose. maybe you can try changing to a better spark plugs? check ur tires more often? -
Since you will only be reaching a break-even point, I would like to know the main reason for your intention to change your car. One important point to note is the fact that interest rate on loan is currently 3.5%. I believe the interest rate of your Vios is 2.7%, which is much lower, isn't it? Thus, without forking out more money, I believe it is not likely for you to maintain the current amount for your monthly installment.
If the Vios is still serving you well, I would advise you not to change to an Altis. The Altis offers bigger legroom in the rear and a bigger boot. Other than that, I do not see how the Altis is a better car than the Vios. Unless you like the steering wheel mounted audio control and split-fold seat back of the 2006 Altis.
So as you can see, I am not really for changing your Vios. But then, it is your ride, and no one can stop you from changing if you just feel like it. But if you are willing to wait a few more months, there will be more choices. Since you are going to commit to another 100% loan, why not wait a few more months? You may just find new models more enticing than the Altis. -
my current VIOs has served me more than 100Kkm. .... wow rite? my friends are shocked when they heard it. err......now you all know why I'm thinking to change, further, you drive it you can "sense" the wellness of your car rite.
I do agree, VIOS is a good car ( to me, so far so good ). I am also considering back to VIOS, some say I am stupid, I do agree, ok lah, called it vanity, I want to try other models
Now, I am thinking Ford Focus...
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ever consider toyota rush? thats quite a nice car too.
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Stick with your vios lar.
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Indeed, 100,000km is a lot of mileage. But I must remind you of the high interest rate currently. Like I mentioned before, you must be prepared to have a higher monthly installment if you do not intend to pay any downpayment.Originally posted by Ying4:my current VIOs has served me more than 100Kkm. .... wow rite? my friends are shocked when they heard it. err......now you all know why I'm thinking to change, further, you drive it you can "sense" the wellness of your car rite.
I do agree, VIOS is a good car ( to me, so far so good ). I am also considering back to VIOS, some say I am stupid, I do agree, ok lah, called it vanity, I want to try other models
Now, I am thinking Ford Focus...
With regards to the new Ford Focus, here's the models available.
1) 1.4 3-dr (Hatch-back)
2) 1.6 5-dr (Hatch-back)
3) 1.6 4-dr (Sedan)
4) 1.6 Estate (Station Wagon)
The Focus is a good car. In fact, this 2nd generation Focus is better than the previous one in terms of handling. In terms of looks, some may prefer the previous generation though. There's nothing special in the interior, unless u appreciate the Sony Hi-Fi system which is specially made for the car. Some will even consider the interior design to be bland and not as radical as the previous version. It's a matter of personal preference.
Go for a test drive and you will be impressed with the ride quality. The car will go where the steering wheel directs. The steering is very precise in that sense. However, being continental build quality, one can't help but lament the lack of horses in the 1.6 litre engine. 100bhp is not very impressive. Expect moving off to be slow even if you floor the throttle but the car is really quite ok the moment it is on the move. The engine sounds refined but it is really not as frugal as Japanese cars. You must learn to accept figures like 9-11km/litre, which is not quite the fuel consumption promised in the promotional catalogue.
The tiptronic function is fun to play with, though the kick down is a bit slow after you input the gear you want. Change up at 3500rpm and you will feel how spirited the car is, but then again, it is at the expense of fuel consumption. So if you are really concerned about the fuel consumption, be prepared to live with sluggish move off when you dictate the gear to change up at around 2500rpm.
Personally, I feel that the sedan is nicer-looking than the hatch this time round. The estate is for people who really appreciate the additional boot space. The 3-dr Hatch is really an entry level car. You will have to make do with manual adjustment for the wing mirrors and it comes with a manual gear shifter to squeeze the horses out of the 1.4 litre engine. Until the Focus ST arrives on our shore, the 3-dr Hatch is really the next best thing you can own from the Focus family if you want a hatch that is sporty-looking. Do note that entry to the rear bench can be quite cumbersome and that is precisely the reason why we see more of the sedan and the 5-dr Hatch on our roads. -
hi ying4,Originally posted by Ying4:my current VIOs has served me more than 100Kkm. .... wow rite? my friends are shocked when they heard it. err......now you all know why I'm thinking to change, further, you drive it you can "sense" the wellness of your car rite.
I do agree, VIOS is a good car ( to me, so far so good ). I am also considering back to VIOS, some say I am stupid, I do agree, ok lah, called it vanity, I want to try other models
Now, I am thinking Ford Focus... 
indeed after seeing this msg, i really feel like getting the vios.
but 1 thing is tat does your vios's air con gives u alot of problems???
as i understand from some others reviewer stating aircon problem so just like to check from u whether is it true abt tis???
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I thought 10 yr loans normally breakeven on the 6-7 yr??
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May be tamba a bit more during first few years of loan? That's why can breakeven earlier.
Thought 10 year loan can never breakeven? -
Hi Ying,
Just curious, what is your monthly installment like? Really $620? Cos if it is, I think your calculations went wrong somewhere... Why I said so?
Because:
Supposed it is $620 per month. And you admitted you are on 10 years loan. So total payable is $74,400. The other guy forecasted the right %. Actually your interest rate for 10 years is 2.6%. How I know? Cos my City is also just passed 3 years old and my rate was 2.6% at that time. Coming back, without interest chargeable, your original payable amount is $74,400/1.26 = $59,000. This amount is roughly the price for a Vios (ard 60~65k depending which month of 2003 you bought...) at that time with about 4~5k (maximum) downpayment. With that, yours is typical of low downpayment high loan characteristics. So with some more mathematics, your breakeven point should only occur at the 8 & 1/2th year...
My conclusion is: If my assumption above is correct;
KEEP YOUR VIOS.
If not, please do let us know your monthly installment premium. That will help us to give you better advices. We must first solve your problem of getting rid of the Vios, instead of focuing what you would be buying after you gotten rid of the Vios... -
If u r trendy enuf and dun mind spending a little bit more, go for the Yaris
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Looking at $620 a month for monthly installments, I doubt so. I am paying much less than that a month, and looking at a 10-yr loan, I can only breakeven on my 6th yr.Originally posted by mr sunray:May be tamba a bit more during first few years of loan? That's why can breakeven earlier. -
""Originally posted by nOrmalbOi:ur vios.. got creaks at the front windows/doors? got rattle at front speakers cover? go car wash then door innards will totally be wet? rear suspension got TENG sound once in a while? got vibrating front number plate? -
Originally posted by choco B:""
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i seriously think you have your calculations calculated wrongly. A 10 year loan car can never break even in 3 years.The 1st 3 year you are only paying for the interest.
Unless of course you paid a huge sum of deposit (>$10k).Then it will be likely that you can breakeven in 3 years. -
sorry to all, I have been busy with my work, that's why I didnt come in.
Yes, it's true. we also cannot believe we breakeven. A lot of our friends also cannot believe it. for the beginning, as usual we paid 10% deposit, nothing more than that. However, I did go for refinancing 2x in the past. my current interest p.a. is about 1.8%. Our Vios's DOB is Jun2003. -
hey the new vios body strong? i bang into a old vios in feb... the guy's vios bumper crack but my car still in perfect condition...
not trying to boost my car... but just wanna know if the new vios body stronger or not... =x