Prosedur Jual Kereta Terpakai

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orga21

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salam.....kawan2 semua,

saya ada beberapa pertanyaan ( bantuan)...saya ada kereta nak jual, ada member nak beli....dia suruh saya uruskan loan....


kalau ada kawan-kawan yang boleh bantu saya tentang prosedur nak jual kereta ni kat kawan yang melibatkan loan. Macam mana nak tau berapa loan boleh pegi untuk kereta saya tu?


terima kasih
 
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internetbiz

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Gi saja kat bank tu, jumpa pegawai pinjaman kereta dan tanya je apa apa soalan dia akan beritau

Kalo gi bank tu jgn gi maybank leceh tp gi public bank sebab dia bole wat loan utk direct c'mer
 

orga21

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Gi saja kat bank tu, jumpa pegawai pinjaman kereta dan tanya je apa apa soalan dia akan beritau

Kalo gi bank tu jgn gi maybank leceh tp gi public bank sebab dia bole wat loan utk direct c'mer
oic..macam tu ke...apa nak bawak masampegi bank tu?
 

AlchemisT

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yg paling bawa diri..nati takder org nak tanya...geran keta ker...
 

azrine

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heran gak aku..normally org yg nak beli kete yg beriya2 sangat nak uruskan loan..

but neway..cam cakap internetbiz..gi mana2 bank yg berkaitan seperti public, cimb or arab..coz depa nie kire ok gak ler nak bagi loan..

but..adalah diadvicekan kepada penjual agar call dulu pada pihak bank terbabit..berapa loan yg bule dibuat..

dan juga dinasihatkan juga..call ngan kat bank mana sebelum nie kete tersebut dibuat pinjaman utk mendapatkan full settelment figure..

both penjual ngan pembeli kener ada..so senang skit utk pegawai bank tersebut nak bertanyakan beberapa soalan..

document2 :-

penjual - ic, geran kete dan kete (utk buat inspection)..normally bank akan mintak penjual membuat Puspakom Inspection dahulu utk bukti kete tersebut bebas dari sebarang masalah spt kete potong dll..

pembeli - ic, lesen memandu, penyata kewangan ie slip gaji, ea form, J form, bank statement etc, maybe skang depa nakkan bil electric, bil telekom utk verification alamat rumah..

yg lelain..pegawai bank akan beritahu kedian..

but..paling senang..gi balik kat mana bank yg bagi loan kete tu dulu..byk bender bule selesai..

selamat menjual kete anda..

 
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papaxjahat

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salam.....kawan2 semua,

saya ada beberapa pertanyaan ( bantuan)...saya ada kereta nak jual, ada member nak beli....dia suruh saya uruskan loan....


kalau ada kawan-kawan yang boleh bantu saya tentang prosedur nak jual kereta ni kat kawan yang melibatkan loan. Macam mana nak tau berapa loan boleh pegi untuk kereta saya tu?


terima kasih
bawa jer geran kete tuh walk in public bank cakap kata nak wat loan.......nanti dorang bagi tau.

interest pon rendah.....dan tak yah pakai org tengah

terus ngan bank ,lagi baik
 

WnB

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1. status keta tu macam mana? dah habis bayar loan bank ker belum?
2. Pembeli suruh penjual carikan / uruskan loan utk dia ker???
 

zuljaalaa

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aku pon nak tahu nie..
kalau nak jual kereta kat used car.. hampeh ambik sikit ajer
 

azrine

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Procedure nak jual kete 2nd hand nie quite senang jer..untuk seller..

1. Check current market kete kita tu..kita bule rujuk kepada Star, Motor Trade etc;

2. Identified buyer kita..samada melalui iklan or direct buyer..

3. Identified buyer financial background & history..gaji dia, samada penah kene blacklist ker apa ker..bile kita sendiri buat checking, confidence kita nak introduce buyer kita kat bank lagi tinggi..

4. Buat Puspakom checking..this is mandatory..to get buyer confidence to buy our baby tu..lagi pon..bank memerlukan laporan VR1 atau B2 Puspakom tersebut..

5. Call current bank yg kita buat loan tu..tanya how much loan yg bule masuk..berapa interest yg ditawarkan oleh pihak bank tersebut utk our baby tu..(sambil2 tu..tanya ngan bank2 lain cth CIMB, Public, Arab etc.)

6. Bring buyer kita ke bank yg telah kita berjanji memberikan pinjaman kepada buyer kita tu..

7. Barang2 yg perlu kita as a seller bawa:-

  • Registration Card kete kita tu;
  • IC kita;
  • Kete kita (bank nak inspect & diambil gambar);

8. Barang yg perlu buyer kita bawak:-

  • Statement of Income (slip gaji, EA Form, J Form, Bank Statement etc);
  • IC & Driving license Buyer;
  • Surat Pengesahan Keje (kalu bekeje la)..yg ni optional..
  • Bil TM, Bil Air, Bil TNB diatas nama buyer (bank nak confirm status kediaman buyer tu)..

9. Bank Officer will conduct interview kat buyer kita..all information yg bank offier raser perlu utk meluluskan loan pada buyer kita..

10. Bank Officer akan inform kita bila agak2 loan tu tau keputusan samada apporoved or not..normally dlm masa 3-5 hari..dlm keadaan waktu sekarang..

11. Once bank officer say loan approved..both seller and buyer..sekali lagi kene pegi ke bank tersebut..and at this time..both seller & buyer will be required to sign certain documents

a. for seller

  • sign borang transfer JPJK3 with IC;

b. for buyer

  • sign agreement;
  • sign borang transfer JPJK3 with IC;
  • bayar kos transfer tukarmilik;
  • bayar duit insurance;
  • bayar duit roadtax (sekiranya perlu);

12. bank kan inform kita dlm masa 2-3 hari samada transfer JPJ ok ker idak..

13. sekiranya dah ok..at this point kete tu bole diserahkan dalam keadaan yg seperti dijanjikan pada buyer kita..

actually..this is the simplest procedure yg biasa dijalankan antara pihak seller, buyer dan bankers..

sekiranya ada apa2 yg nak bertanya..silakan..:D

wassallam

 
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