Proton is currently offering a step-up financing plan with Maybank and AmBank for the Proton Saga to make it easier for someone to pay for the car the first few years of servicing the loan. This step-up plan is on offer until the 15th March 2012.
The step-up plan is basically a 9 year 90% loan with 3.5% flat per-annum interest which starts you off with a lower than usual monthly repayment, which then increases to a higher amount from the 3rd year onwards, and then up again during the 7th, 8th, and 9th years.
Here’s a sample of the repayment amounts:
One caveat though – Sagas purchased under the step up financing scheme will only have a 3 year manufacturer warranty instead of the 5 year Extended Warranty Programme that Proton Sagas usually come with if you opt for standard financing.
Might be tempting – but 9 year loans should be treated as a last resort if you want to buy a car.
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AI-generated Summary ✨
Comments generally express skepticism and concern about proton offering a step-up financing plan for Saga, highlighting the long-term financial burden with 9-year loans, high interest rates, and the potential for the car's value to drop significantly. Many believe it encourages poor financial decisions, and some criticize high taxes and car prices in Malaysia. Others argue the plan is not genuinely helpful and may trap buyers in debt, emphasizing the importance of affordable pricing and realistic loan terms over gimmicks.