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发表于 19-6-2011 11:41 AM
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这样可以减少SA挪用Customer的头期或拿了头期拖顾客交车 .. 顾客要cancel也不行的话..
还有假如收了头期， ...
waja2000 发表于 19-6-2011 12:48 AM 
最后亏的还是那些买车的, 二手车行先收车再给钱(新车没来前没车驾)!
二手车行收车的价钱比之前低, 因为B7不容易通过, 一旦有什么坏(PUSPAKOM验到)就deduct!
新车在也没有full loan, 最少10% downpayment(可能是好事, 路上将没那么多车) |
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发表于 19-6-2011 08:51 PM
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最后亏的还是那些买车的, 二手车行先收车再给钱(新车没来前没车驾)!
二手车行收车的价钱比之前低, 因为B7不容易通过, 一旦有什么坏(PUSPAKOM验到)就deduct!
新车在也没有full loan, 最少10% downpayment(可能是好事, 路上将没那么多车).
富茶 发表于 19-6-2011 11:41 AM 
照你说，买车的更没有什么问题， 反而更好， 买车的不是没有车首次买车，本来就没有车开，不就是有旧车换新车，这样开始有旧车开。那样SA要赚钱就只好努力去fullow up车厂。 二手车价钱肯定更低了。
没有full loan肯定更好， 银行的风险少了，
连10%的downpayment的购买者， 肯定风险比较高 |
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发表于 19-6-2011 09:27 PM
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作么买车也变到酱麻烦了？卖二手车都已经酱麻烦了，买车都变到酱麻烦了，还要我们继续支持PRXTON，PERXDUA？！
PUI ！！！！！！ |
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发表于 19-6-2011 09:34 PM
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酱是不是讲我现在可以敢敢去订车，不要的话就直接cancel??? |
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发表于 19-6-2011 09:40 PM
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不能收booking...这样只会让银行忙死…
一个顾客的资料…一个bank可能会收到两三个一样顾客的case...
尤 ...
kidz_ 发表于 18-6-2011 08:20 PM
不能收down payment， 不是booking fees |
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发表于 19-6-2011 11:38 PM
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不能收down payment， 不是booking fees
waja2000 发表于 19-6-2011 09:40 PM
booking fees是loan approve了才可以收,
down-payment 是车来了才收,
收了booking fees 7 天就要交车! |
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发表于 20-6-2011 12:19 AM
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各位SA 大大～～～6月十五号开始HP act生效了～～
请问有没有那位大大面对到问题呢？？
最近几天有很多人 ...
F20a 发表于 18-6-2011 01:44 PM
他妈的这条 lanjiao 法令弄到我很lin烦 ！！！我自己的二手车都不懂要怎样好 ！！！
那天kajang auto city中，jalan ipoh 新车行中，还有一间是toyota，perodua 的很多都放蛇 !!
我朋友们昨天上云顶那个 汽车工会好像有了决定， 25/06 可以知道答案，不知道准没有 !!! |
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发表于 20-6-2011 01:05 AM
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不能收down payment， 不是booking fees
waja2000 发表于 19-6-2011 09:40 PM 
down payment头期钱是车行不能收...
要银行代收...
booking fees是定钱...
二手车行以前是确定要哪辆车...
然后收定钱做贷款... |
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楼主 |
发表于 20-6-2011 01:09 AM
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down payment头期钱是车行不能收...
要银行代收...
booking fees是定钱...
二手车行以前是确定 ...
kidz_ 发表于 20-6-2011 01:05 AM
现在是连booking fees都不能收哦～～～ |
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发表于 20-6-2011 01:17 AM
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他妈的这条 lanjiao 法令弄到我很lin烦 ！！！我自己的二手车都不懂要怎样好 ！！！
那天kajang ...
kenz6900 发表于 20-6-2011 12:19 AM
我今天还遇到一个很有可能是蛇的顾客.... |
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发表于 20-6-2011 01:19 AM
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现在是连booking fees都不能收哦～～～
F20a 发表于 20-6-2011 01:09 AM
对...现在不能收...所以我之前前面才会说...
一个顾客的资料...银行可能会收到来自不同dealer summit... |
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楼主 |
发表于 20-6-2011 01:23 AM
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对...现在不能收...所以我之前前面才会说...
一个顾客的资料...银行可能会收到来自不同dealer su ...
kidz_ 发表于 20-6-2011 01:19 AM 
可能咯～还有就是，现在很可能顾客会拿着LOU满街跑，
周围去问谁能出低价。。。 |
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发表于 20-6-2011 02:01 AM
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我今天还遇到一个很有可能是蛇的顾客....
kidz_ 发表于 20-6-2011 01:17 AM
他妈的， 那现在我们该怎么办好 ？ 我的二手车又jam住，新车那边，签到都不是好事，分分钟给人cut !!! mahemmmm !!其实我在这问题发生之前已经想到一个办法了的，办法是：“尽量跟客人收原装资料，以免他们跑" ，在这个段过渡期应该用的着吧。。
不然我们连最基本的 保护都没有，政府只会保护消费者，他妈的 |
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发表于 20-6-2011 02:08 AM
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http://arminbaniaz.com/2010/07/a ... chase-act-1967.html
网上看到的
Clause 9 of the Bill seeks to introduce a new section 30A into Act 212 to regulate booking fees (New section 30A). The principal Act is amended by inserting after section 30 the following section:
“Booking fee 30A". (1) No owner, dealer, agent or person acting on behalf of the owner shall collect or accept a booking fee from an intending hirer before the receipt of the duly completed form set out in Part II of the Second Schedule by the hirer.
(2) The booking fee referred to in subsection (1) shall not exceed one percent of the cash price of the goods comprised in a hire-purchase agreement.
(3) Notwithstanding anything under this Act, the booking fee shall form part of the deposit under section 31.
(4) An owner, dealer, agent or person acting on behalf of the owner shall refund ninety percent of the booking fee to the intending hirer upon the withdrawal of the booking of the goods comprised in a hire-purchase agreement.
## Car buyer can only pay the Booking fees of not more than 1% of the car price when the Part II 9of second schedule) of the agreement is duly completed. However, car buyer will only receive 90% of the Booking fees on any cancellation of car booking after the booking fee payment.
Clause 10 of the Bill seeks to introduce new subsections (1A) and (1B) into section 31 of Act 212 to require deposit to be collected upon the signing of hire-purchase agreements and to provide remedy to the hirer in the event the owner, dealer, agent or person acting on behalf of the owner fails to deliver the goods intended for the hire-purchase agreement. Section 31 of the principal Act is amended by inserting after subsection (1) the following subsections:
(1A) An owner shall collect the deposit upon the signing of the hire-purchase agreement.
(1B) If any owner, dealer, agent or person acting on behalf of the owner fails to deliver the goods intended for the hire-purchase agreement to the intending hirer, the owner, dealer, agent or person acting on behalf of the owner shall refund the full amount of the deposit to the intending hirer.
## ALL BOOKING FEES & DEPOSITS MUST BE PAID TO THE BANK for any booking of car with hire purchase financing from any car dealer and if the dealers failed to deliver the car, the customer must be refunded in full amount.
For further information see Parliament bill no D.R.18/2010 at www.parlimen.gov.my
What would be the repercussions from these amendments?
The effect to the customer:
1) Minimum Booking fees & Downpayment is fix by the Act and non negotiable.
2) The new legislation provides unnecessary red-tape for customer's hire-purchase HP-loan application.
3) With the more restrictive measure on repossession, Bank will be more stringent with loan approval and may further increase the risk factor for overall car buyer.
4) Approval for loan will be slower with the additional work-load to be undertaken by Banks.
5) Less personalized services between the dealers and Customers. Currently, car dealer would extend personalized services such as collection of booking fees, downpayment and signing of agreement at the customer's convenient (anytime) and venue (at the customer's house, workplace etc)
In short, car buyer will take a longer time for the delivery of their car and they will need to pay the FULL 10% downpayment to the bank. Of course, there are benefits derived from the amendments too.
Impact to Car dealers:
1) Without any booking fees paid to car dealers at the point of booking (Clause 9), it will be difficult for car dealers to secure any stocks for the customers. Currently, to order any cars from Proton Edar, the dealers are required to submit a three months forecast and one month firm commitment which was based on the bookings paid in hand.
2) Dealers will not place any order of cars (from Proton Edar) without any bookings paid or received, to avoid abrupt cancellation by customers which will be a costly stock-holding cost to dealers.
3) Without any firm order or commitment from the customer via the booking fees paid, there will be alot of "Booking-Hantu" where customers simply book a car without any commitment and 'speculative buyers'.
4) Car dealers are required to pay first to Proton Edar for vehicles ordered. The Booking fees and downpayment paid are a portion of the working capital required to secure the vehicle to the said customers. When the bookings and down-payment are paid to the Bank, the dealers cashflow will be effected.
5) Banks too will have to multi-tasked their personnel to expect more than 50,000 (from Proton Edar sales transactions alone (excluding other car dealers) when customer had to pay their booking fees, sign hire-purchase documents and pay downpayment to the Bank.
We are meeting with various stake-holders to further discuss the impact of the amendments. |
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发表于 20-6-2011 02:09 AM
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发表于 20-6-2011 02:14 AM
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政府真正保护着的是他们种族的消费者罢了
不是说什么种族主义。
而是如果真正看马奶下的车行的 ...
devil050901 发表于 20-6-2011 02:09 AM
你不说都没酱dulan，越说就越dulan !!! 来一个B7就好了，过后又来一个 0 booking fee 和 Cannot mark up Full Loan !!!
是不是他们明知道他们的种族烂脚 ？？ 怕他们的种族被骗Booking Fee ？ 好心Blacklist 就不要去买车啦 ~~~
B7 我还可以接受，0 booking fee 我真的是behtahan !!! |
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发表于 20-6-2011 02:17 AM
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你不说都没酱dulan，越说就越dulan !!! 来一个B7就好了，过后又来一个 0 booking fee 和 Cannot m ...
kenz6900 发表于 20-6-2011 02:14 AM
最多mark up loan 和full loan的其实又是什么人？？？
政府做到很出脸:@:@
还什么买2手车可以有试用期:@:@
摆明在那车行开刀，背后其实就是拿华人开刀，想到都生气:@
还要什么18条验车的rule,那些tinted没 超标都要撕，真的tmd $^%^&$&%#^%#&@%$@@#$%:@ |
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发表于 20-6-2011 02:25 AM
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pay to bank, 那样是pay去那里一个户口？ |
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发表于 20-6-2011 02:28 AM
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最多mark up loan 和full loan的其实又是什么人？？？
政府做到很出脸
还什么买2手车可以有试 ...
devil050901 发表于 20-6-2011 02:17 AM
妈的这个月还打算再fight (因为差不多马来人过年) ，现在jam到看不到路 !!! 不懂汽车工会在云顶那边有什么意见，要明天才可以问同行知道。。
那个试用期21天已经wave了，没有跑了。。mark up full loan 的其实还可以做，就只是怕中捉,salesman,dealer ,连bank officer都会被捉。。
敢不敢做就看怎样安排 (不过大多数在这过渡期都不敢做)
我听说这一切都是 CIMB 和 AMBANK 搞出来的，不懂准没有。。
我在想，幸好这两间银行我都没有接触的，有接触的dealer就真的暗吊了。。 |
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发表于 20-6-2011 02:35 AM
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本帖最后由 waja2000 于 20-6-2011 02:37 AM 编辑
最多mark up loan 和full loan的其实又是什么人？？？
devil050901 发表于 20-6-2011 02:17 AM
妈的这个月还打算再fight (因为差不多马来人过年) ，现在jam到看不到路 !!! 不懂汽车工会在云顶那 ...
kenz6900 发表于 20-6-2011 02:28 AM
我在找saga 有什么好的PM一下 |
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