Nissan Car Lounge - Almera, Juke, Latio, Qashqai, Sylphy, Teana Owners > Latio
Autosavers Promotions
Ying:
which workshop will give free service?
melvinhgf:
--- Quote from: Ying on January 15, 2009, 11:20:53 AM ---which workshop will give free service?
--- End quote ---
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:
--- Quote from: melvinhgf on January 16, 2009, 10:21:34 AM ---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.
--- End quote ---
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.
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