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Message: <blockquote data-quote="goldfish" data-source="post: 119035" data-attributes="member: 2055">Acutally, i have other deciding factor..... interest rate.... in fact, i had secured an attractive HP rate of 2.35% pa three months ago.... it had lapsed last month.  I managed to appeal and got extension for another month. if i do not have a car to register and i will have lose this rate and will be following prevailing rate now...ie ranging from 2.57% to 3%.  Based on the lowest interest rate, i will have to pay extra RM5k for the total interest.in economic point of view, if i take the pre-owned scheme, i will save RM23k..... but if i opt for new car, i will get RM5k discount on car (special treatment, maybe i am so "chiam" and save RM5k on interest........ Now, the different is only RM13k. :beaten: Puzzle.....</blockquote>