Autosavers Promotions

[kspchew]

Agreed. If TCM is the best, all workshops outside would have burst by now. Monopoly is not good for consumers btw

pizzaboy, I have to been AS Kaki Bukit for my first servicing in June and AS Defu Lane last Friday.
Kaki Bukit is very small, with only 1 seat for customer. The place doesnt seems to be able to be able to service more than 2 cars indoors though. (Mechanic is patient and friendly though)

The one in Defu Lane is much larger by comparision. Have sofas in aircon office for customers. And workshop is pretty well staffed and the men seems pretty knowledgable. The only complaint i have is that they move too fast. Not like Kaki Bukit's mechanic whom i have chance to bomb him with questions while he worked

Hmm, I think I will do my 60k servicing at Kaki Bukit since its near to my work place. All my other servicing is at TCM but had some unfortunate encounters

[melvinhgf]

Went TCM Ubi for 20k servicing yesterday. Don't think will go back TCM for the next servicing. Pissed.

Same experience as me???

ps: see my thread in first servicing for info...

[iagree]

The so called "free" NPMP is actually not free.

If you choose to opt out of the "free" NPMP, Tan Chong will refund you $600 or $800 off the purchase price of your car, the exact figure I cannot recall.

hi clarence

ohh, if so then no diff loh....
sigh

[melvinhgf]

yup. when i bought my latio last dec, my agent ask me if i need the NPMP. She says i can just deduct $800 from the purchase price of the car if i do not need it. She advised me to opt out so that if i need it, i can always purchase later. Mind you, if you opt in, your purchase price will be higher and hence the interest of the bank loan taken will be higher.

So effectively you are paying the installments of the extra 2yr NPMP with interest. So people, the NPMP that comes with it is NOT free!!

[Ying]

yup. when i bought my latio last dec, my agent ask me if i need the NPMP. She says i can just deduct $800 from the purchase price of the car if i do not need it. She advised me to opt out so that if i need it, i can always purchase later. Mind you, if you opt in, your purchase price will be higher and hence the interest of the bank loan taken will be higher.

So effectively you are paying the installments of the extra 2yr NPMP with interest. So people, the NPMP that comes with it is NOT free!!

say you got the car and want to sign up NPMP, you have to pay $1091 on the spot. Just pay part of that amount ($800) on top of your downpayment and you get $291 saving. hassle free some more.

If you compare autosave package $900+, you still save $100+ right away.

[Ying]

which workshop will give free service?

[melvinhgf]

which workshop will give free service?

Ying, u mistook wat i said. When you buy a car, the agent will tell u the car comes with a 2yr NPMP (sometimes they add the word "free"). But for those who may not know (like my first time with Sunny), you can actually deduct the cost of the NPMP from the car buying price, which can reduce your overall loan amount, hence the payable interests, hence lowering the monthly installments.

If you really go calculate, if you take in the 2 yr NPMP when you buy the car, assuming you are on the 0% downpayment loan scheme (which i did) and the interest rate of 1.99%, you are paying $959.20 for the 2yr NPMP, not much of a saving anyway. One have to remember that even after you used up the 2yr NPMP and assuming you are driving the car till its 10th year, you are paying for something that has been exhausted.

Quite a number of banks allow you to pay by installments for purchases INTEREST-FREE!! So if you consider it from this angle, getting the NPMP package separately and requesting credit card company to split the cost into installments (24 months will be the best) may be more viable for some.

[mindman]

Ying, u mistook wat i said. When you buy a car, the agent will tell u the car comes with a 2yr NPMP (sometimes they add the word "free"). But for those who may not know (like my first time with Sunny), you can actually deduct the cost of the NPMP from the car buying price, which can reduce your overall loan amount, hence the payable interests, hence lowering the monthly installments.

If you really go calculate, if you take in the 2 yr NPMP when you buy the car, assuming you are on the 0% downpayment loan scheme (which i did) and the interest rate of 1.99%, you are paying $959.20 for the 2yr NPMP, not much of a saving anyway. One have to remember that even after you used up the 2yr NPMP and assuming you are driving the car till its 10th year, you are paying for something that has been exhausted.

Quite a number of banks allow you to pay by installments for purchases INTEREST-FREE!! So if you consider it from this angle, getting the NPMP package separately and requesting credit card company to split the cost into installments (24 months will be the best) may be more viable for some.

think NPMP cannot pay by credit card. Autosaver one can
cheers

[hct]

npmp can be paid using credit card... cos i just paid them the last time round when i signed up for it...

[Ying]

NPMP is $1091 now, with new car you trade in for $800 then say go for Autosaver $908. So you pay $108 more.

Say you opt-in, then pay $800 cash off your loan amount. You get 2 yrs package for just $800. In both case, you still borrow same amount of money to pay for your car wat. But if you want 0% downpayment with NPMP opt-in then you make yourself pay more.

what words the marketing people used is not important, it is how much you pay for the same service. New car owner have a chance to pay just $800 as compare with $1091 walk in rate.

[Ender]

I think NMPM is best to start closer to 60K, so that CVT oil is included plus all the belt and brake pad change at around 50k or so.

Opting in during the purchase of car may start the NMPM too soon, may missed out on replacement parts in the 60K servicing..

[kspchew]

Either NMPM or Autosavers promo is attractive but  I am not comfortable with the EO use by them. What's more AS charges $60+ for the aircon filter whereas I can DIY for less than $20.

[iagree]

Ying, u mistook wat i said. When you buy a car, the agent will tell u the car comes with a 2yr NPMP (sometimes they add the word "free"). But for those who may not know (like my first time with Sunny), you can actually deduct the cost of the NPMP from the car buying price, which can reduce your overall loan amount, hence the payable interests, hence lowering the monthly installments.

If you really go calculate, if you take in the 2 yr NPMP when you buy the car, assuming you are on the 0% downpayment loan scheme (which i did) and the interest rate of 1.99%, you are paying $959.20 for the 2yr NPMP, not much of a saving anyway. One have to remember that even after you used up the 2yr NPMP and assuming you are driving the car till its 10th year, you are paying for something that has been exhausted.

Quite a number of banks allow you to pay by installments for purchases INTEREST-FREE!! So if you consider it from this angle, getting the NPMP package separately and requesting credit card company to split the cost into installments (24 months will be the best) may be more viable for some.

hi melvinhgf & all

my agent gv me S$800 discount but i am not sure whether is related to 'free npmp' or not?
coz to me, he sounded he "gv me discount" leh, and i felt so great that he is so kind?
so, it is not the case then? if tcm always gv $800 discount. so this discount is not from the agent then? ma de

[melvinhgf]

think NPMP cannot pay by credit card. Autosaver one can
cheers

actually hor, when i bought my macbook with ocbc credit card, after the purchase, the bank send a letter saying that they can convert into installment as long as i send in the request before the billing date. so its through the bank directly, not through the shop

[melvinhgf]

NPMP is $1091 now, with new car you trade in for $800 then say go for Autosaver $908. So you pay $108 more.

Say you opt-in, then pay $800 cash off your loan amount. You get 2 yrs package for just $800. In both case, you still borrow same amount of money to pay for your car wat. But if you want 0% downpayment with NPMP opt-in then you make yourself pay more.

what words the marketing people used is not important, it is how much you pay for the same service. New car owner have a chance to pay just $800 as compare with $1091 walk in rate.

ying, u missed my pt again.

i agree that autosaver's $908 is not cheaper than TCM's $800 when u are buying their cars. but my point is, the way the agent is putting across to potential buyers can be misleading. i was sharing my experience with others here that the buying price of the car may have the $800 NPMP factored in it already. So if the agent tell you that there is a 2yr NPMP with it, you know that you are actually paying for it. Even if it is free, the buyer can request to opt out for it in exchange for a reduction in the car price

So for those who may not know, they can always ask their agent to deduct $800 from the car's buying price so they have a lower buying price for whatever the reasons can be. Some like me when i bought my Sunny (my first car 4 years ago) may not know about this. It was actually my sales agent who asked me if i really need the NPMP. The hint is so obvious.

after 2 yrs, perhaps the economy is better, so one can better afford the rate? nobody knows. so for me, i look at what i have at present, reduce the loan amount and interest and decide after 1.5yr later. For others they may have their favourite mechanic or workshop so they prefer to go outside. When my NPMP ended, I'm seriously contemplating to find other workshops. But i have no good lobangs. Anyway i dun find TCM mechanics that wonderful. Now with my lousy experiences with TCM, i'm beginning to feel fortunate tat i did not take the NPMP.

My info may inform them of the possible choices regarding NPMP. Different people have different wallet size. So while you can afford to let the banks earn extra interest on the $800, some people cant. So my earlier postings merely share my experiences.

[Ying]

...
what words the marketing people used is not important, it is how much you pay for the same service. ....

Yes they had used the word free, better word is "discount", but most of us know nothing is free especially in Singapore. So I always filter off the word free from sales talk.
goat hair grows on goat right?

[iagree]

Yes they had used the word free, better word is "discount", but most of us know nothing is free especially in Singapore. So I always filter off the word free from sales talk.
goat hair grows on goat right?

hi all

yes, iagree with u guys.
i thk back what the agent had said "discount".... terrible lah.....

[iagree]

hi all

IMO

still, go for TCM's NPMP, hassle-free! safer for our Latio ^$^

[josho]

Hassle free vs wallet size.

I'm just lazy to go AS, maybe my 60K servicing. Now my reverse sensor a bit something wrong, beep even before I am near to wall/ object, and my door lock which give me problem as the mechanism need to replace which end up might cost me $300 w labor charge.

So end of the day, I did the servicing and go off without doing the stuff. Brought my EO along, no worries. I always opt out NPMP because I always thought that I might change car. hahaha 

[pizzaboy]

For those who insist on TCM services, u can always go across our friendly neighbour ETCM to do ur servicing.. I did my 30k servicing over there, the S.A recommended me to do a engine flush, injector clean + fuel addictive package & tyre rotations i ended up paying S$100 for the entire servicing...