Bank Rakyat has announced that it will offer 100% financing services on Proton models, according to Bernama – this includes the recently-launched 2016 Proton Perdana.
The national news agency quoted the bank’s chairman, Tan Sri Abdul Aziz Zainal, as saying that the loan would be offered at all times to employees in both public and private sectors, who meet the loan’s conditions.
“Bank Rakyat always gives priority to customer needs and, as an incentive to help the people own local products, we come up with this offer,” he said.
Proton has long regarded the low loan approval rates as being a major factor in its struggling sales performance. Earlier this year, then-CEO Datuk Abdul Harith Abdullah blamed lacklustre sales of the Iriz – averaging just 2,000 units monthly, around half that of the national carmaker’s 4,000 to 5,000 unit target – on the poor rates, and said that the company was working with financial institutions to rectify the issue.
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AI-generated Summary ✨
Comments express concern over the 100% loan from Bank Rakyat for Proton models, with many fearing it encourages excessive debt and bankruptcy, especially given the long repayment periods and interest rates. Several critics highlight that such lending practices promote financial irresponsibility and undermine economic stability, warning that it targets vulnerable consumers and could lead to increased defaults. There is skepticism about the bank’s motives, with some claiming it benefits Proton cronies or is a strategic move to boost sales at the expense of rakyat’s financial health. Others see it as a sign of desperate marketing by Proton, while a few supporters sarcastically celebrate the opportunity to own Proton vehicles easily. Overall, the sentiment is predominantly negative, emphasizing the dangers of unsustainable borrowing and poor economic policy.