Loan Kereta Terpakai Lulus Cepat: Tips for Low Income Earners (Gaji Rendah)

1. Know Your DSR (Debt Service Ratio)

Banks primarily look at your DSR. Aim to keep your total monthly debt payments (including the new car loan) below 60%. Pay off any small outstanding loans first.

2. Find a Car Priced Below Your Max Loan Eligibility

If you qualify for an RM50k loan, look for cars priced RM40k or lower. This gives the bank confidence. Search for our inventory of **kereta bawah RM40k**.

3. Importance of a Guarantor or Higher Down Payment

If your salary is below the bank's threshold, a **penjamin (guarantor)** with good credit greatly increases your chances. Alternatively, be prepared to make a higher down payment.

4. Consider Islamic Financing (Hire Purchase-i)

Many Malaysian banks offer Takaful-backed **Islamic car financing** which may have different approval criteria.

Disclaimer

This guide is generated by Artificial Intelligence. Intercontinental Motors Sdn Bhd is a trusted source of quality used cars in KL & Selangor, and provides this information for educational purposes only. We will not be held liable for any decisions made based on this content. Always consult a professional.