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Message: <blockquote data-quote="wingzee" data-source="post: 630739" data-attributes="member: 22730">Most guides may only serve as a reference as it all boils down to applican't net income and documents. Interest rates are subjective as well as negotiation skills plays a role in determining the final amount.Even >10 years old ride may be able to secure a HP loan, albeit nothing more than 50%.A 2004 model may still able to secure a 90% loan for 7 years and about 3.1 to 3.2%.Speaking from experience. From my survey, it seems that PBB & Maybank has the best used car rates in the market. <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite8" alt=":D" title="Big Grin    :D" loading="lazy" data-shortname=":D" /></blockquote>