COE BIDDING 2nd-4th NOV

unlimitedz wrote:Bo bian... LOL...as long as car reach our hands early canliao...
congrats sober... spending 1k on ur #... hmmmm...
ur se got subsidise alittle tiny little bit for e #bidding?!? haha..

Haha, I actually put a few more dollars in, just in case someone is bidding the same number.. though it quite unlikely!

Anyhow, I seriously don't want any random number assigned to me by LTA, and of course a little superstitious, very concern with numbers that has '4' in it.. esp on the road.... and so I had thought about it quite hard before I went ahead to part my money... don't need a number that bring in prosperity (Think '8888'!), just a number that is significant to myself and my wife, and we feel good about it, esp the number graces the front and back of your car!


Of course, C&C wouldn't help pay for your number bidding! However they are good enough to save me a trip down to LTA by submitting the bidding envelope for me

need some advise,

i intend to get the koup but i stil hav outstanding load to settle, amount is about 10k.

so wil u overtrade this 10k into ur new ride if it can b done?
or wil u look for personal load w low interest for the 10k?
or pay the 10k cash?

i wish i had went to vivo n confirm during the soft launch, would hav save a few Ks

j.o.i.d wrote:need some advise,

i intend to get the koup but i stil hav outstanding load to settle, amount is about 10k.

so wil u overtrade this 10k into ur new ride if it can b done?
or wil u look for personal load w low interest for the 10k?
or pay the 10k cash?

i wish i had went to vivo n confirm during the soft launch, would hav save a few Ks

Similar to you, I also regretted for a while that I did not order the koup at Vivo. I was SOOOOO PISSED with the service at the road show from the SE there.

Anyway, that is past and I have ordered one.

I also have an outstanding loan. I am paying cash. I made a mistake for the first car under high loan and long duration. I will not do it a second time.

j.o.i.d wrote:need some advise,

i intend to get the koup but i stil hav outstanding load to settle, amount is about 10k.

so wil u overtrade this 10k into ur new ride if it can b done?
or wil u look for personal load w low interest for the 10k?
or pay the 10k cash?

i wish i had went to vivo n confirm during the soft launch, would hav save a few Ks

dun over trade as it will affect the new car unless u thinking of driving it for full 10 years
if possible then pay off via cash, if not then take personal loan but of coz u have to weight the total installment which you have to pay every month then

just my 2 cents

j.o.i.d wrote:need some advise,

i intend to get the koup but i stil hav outstanding load to settle, amount is about 10k.

so wil u overtrade this 10k into ur new ride if it can b done?
or wil u look for personal load w low interest for the 10k?
or pay the 10k cash?

i wish i had went to vivo n confirm during the soft launch, would hav save a few Ks

Overtrade an outstanding loan into a new loan is a financial mistake. If oredi cannot pay down $10k, how does it get better by adding an additional $10k + interest to a new loan?

Pay off outstanding loan and dun let your debt snowball.

tks all for advise, think i will hold on for awhile more.... unless my current ride up the lorry thn wil change car...

actually i don mind to drive the koup for 10yrs if the ride can last so long....

redkoup wrote:

j.o.i.d wrote:need some advise,

i intend to get the koup but i stil hav outstanding load to settle, amount is about 10k.

so wil u overtrade this 10k into ur new ride if it can b done?
or wil u look for personal load w low interest for the 10k?
or pay the 10k cash?

i wish i had went to vivo n confirm during the soft launch, would hav save a few Ks

Overtrade an outstanding loan into a new loan is a financial mistake. If oredi cannot pay down $10k, how does it get better by adding an additional $10k + interest to a new loan?

Pay off outstanding loan and dun let your debt snowball.

Exactly. Overtrading is bad bad mistake. If you cant pay for the balance for the previous car, it is better you stick with it.

j.o.i.d wrote:actually i don mind to drive the koup for 10yrs if the ride can last so long....

We all say that when we want that car. But no one I knew ever drove a car for 10 years.

ya actually its v hard to stay and drive the same car for 10 yrs, aleast now i know i cannot

Sama Sama.

So many temptations. 3 year to change car is a nice number.

yalor...
@ the 3rd yr i already want to change car liao tong until now saw Koup tats y decided to change

NiVleK wrote:

redkoup wrote:

j.o.i.d wrote:need some advise,

i intend to get the koup but i stil hav outstanding load to settle, amount is about 10k.

so wil u overtrade this 10k into ur new ride if it can b done?
or wil u look for personal load w low interest for the 10k?
or pay the 10k cash?

i wish i had went to vivo n confirm during the soft launch, would hav save a few Ks

Overtrade an outstanding loan into a new loan is a financial mistake. If oredi cannot pay down $10k, how does it get better by adding an additional $10k + interest to a new loan?

Pay off outstanding loan and dun let your debt snowball.

Exactly. Overtrading is bad bad mistake. If you cant pay for the balance for the previous car, it is better you stick with it.

ya, tats wat im doin nw, gotta stick w my current ride for another 3yrs at least to b able to change car w ease of mind.... i hav done my calculations as well after i posted the qns, assume the 10k are the interest from my current ride, to overtrade means im having intereest on top of old interest and after reading up more fanicial guidebooks, its a 200% no-no to snowball such debts

nw can oni see all nice koup roll out of port n onto the rd.....

I usually change car every 2 years. Cannot tahan - damn itchy backside. But I still like my current car so decided to buy the Koup as a 2nd car instead to temporarily satisfy that itch.

viper007 wrote:yalor...
@ the 3rd yr i already want to change car liao tong until now saw Koup tats y decided to change

to b able to change car at 3rd-4th year means need to downpayment at least 10k...... very siong for me....

j.o.i.d wrote:

viper007 wrote:yalor...
@ the 3rd yr i already want to change car liao tong until now saw Koup tats y decided to change

to b able to change car at 3rd-4th year means need to downpayment at least 10k...... very siong for me....

Bro,

if u take 7 yrs loan, shld be able to break even at 3rd yr.

Johnno

johnno wrote:Bro,

if u take 7 yrs loan, shld be able to break even at 3rd yr.

Johnno

not so much how many years loan but oso by how much d/p one puts upfront.

Hmmm...more or less for this range of car, 7 years loan you can break even at 3rd year.

Can't realli generalise lidat - it depends on the d/p. If one puts in 50% d/p, can breakeven in 1 sec oso.

j.o.i.d wrote:

viper007 wrote:yalor...
@ the 3rd yr i already want to change car liao tong until now saw Koup tats y decided to change

to b able to change car at 3rd-4th year means need to downpayment at least 10k...... very siong for me....

10k downpayment and how many years loan?
i put 12k downpayment and 7 yrs loan
so when do i break even?