Acutally, i have other deciding factor..... interest rate.... in fact, i had secured an attractive HP rate of 2.35% pa three months ago.... it had lapsed last month. I managed to appeal and got extension for another month. if i do not have a car to register and i will have lose this rate and will be following prevailing rate now...ie ranging from 2.57% to 3%. Based on the lowest interest rate, i will have to pay extra RM5k for the total interest.
in economic point of view, if i take the pre-owned scheme, i will save RM23k..... but if i opt for new car, i will get RM5k discount on car (special treatment, maybe i am so "chiam" and save RM5k on interest........ Now, the different is only RM13k.
Puzzle.....