Buying my first car, Inspira 2.0. Need info and tips on purchasing.

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iswara204

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iswara204

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Hi Guys,

After serious consideration of so many cars looking at the budget available and the maintainance needed later, i've decided to go for Inspira 2.0 as my first car.

I came across many salesman on mudah.my, who has different prices and offerings.

Example:
a) rebate RM5750, loan amount:RM86,249
3% int rate for 9 years (rm972.49/mth)
Dpayment RM3549

b) rebate RM1000, Loan amount:RM90,999
2.33% int rate for 9 years (rm927/mth)
Dpayment : RM8199

After my calculation, i realised i would paying a total,

(total amount paid for 108mths) - (Loan amount) + (Dpayment)


a= RM105,028 - RM82,700 + RM3,549 = RM25,877
b= RM100,162 - RM82,800 + RM8,199 = RM25,561


Conclusion:
As Im not seeing much difference of both the package. So im planning to go for the A cos i dont have to pay such a high downpayment. Plus i might get a 2.9% from public bank.

Is this correct, or am i missing out something?

What are your free gifts you guys received from your salesman?
 

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xuang26

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xuang26

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i was checked diff proton edar dealer, from saleman the free gift are standard :-
- free smart tag
- tinted voucher worth RM400
- full tank petrol (RM110++)
 

DanzEterna

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DanzEterna

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tell them u dowan the tint voucher (RM400) cos its a con job....
the tint price is rm1k++ but actually less than rm500.

try asking for something else....

---------- Post added at 06:23 PM ---------- 6 hour anti-bump limit - Previous post was at 06:22 PM ----------

really PB can give 2.9%? that low meh? i tot all finance company offer 3.5% above..
 

iswara204

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iswara204

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xuang26 said:
i was checked diff proton edar dealer, from saleman the free gift are standard :-
- free smart tag
- tinted voucher worth RM400
- full tank petrol (RM110++)
This one the standard gifts..anything extra?
 

cacin

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Hi Bro,
Not sure how you calculate, but, I am expecting that loan amount = actual money borrow from bank.
So, this should have already minus the rebate and downpayment.

So, for loan of rm86249,
Total amount paid after 9 years = RM109536.23
monthly = 1014.25

For loan of rm90999
Total amount paid after 9 years = RM109835.79
monthly = 1017

If my calculations are correct, somehow, the 2.3% actually require you to pay more because your loan amount is more . . .


formula:
(Loan amount * interest rate * loan tenure in years) + loan amount = total amount paid.
Monthly = Total amount paid/loan tenure in months.
 
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Ratbit

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due to the recent tsunami disaster that hit the Jap's..make sure the inspira 2.0 u buy have a genuine MIVEC enginee..ask the salesman what type of MIVEC engine it use, make sure it's 2.0 L DOHC 4B11.
 

iswara204

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iswara204

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DanzEterna said:
tell them u dowan the tint voucher (RM400) cos its a con job....
the tint price is rm1k++ but actually less than rm500.

try asking for something else....

---------- Post added at 06:23 PM ---------- 6 hour anti-bump limit - Previous post was at 06:22 PM ----------

really PB can give 2.9%? that low meh? i tot all finance company offer 3.5% above..
Yeah, I noticed the tint voucher is a con job.

I spoke to another salesman, he said can get 3.2. Aiyaaa, so confusing la all this fellas!!

---------- Post added at 11:55 PM ---------- 6 hour anti-bump limit - Previous post was at 11:43 PM ----------

Ratbit said:
due to the recent tsunami disaster that hit the Jap's..make sure the inspira 2.0 u buy have a genuine MIVEC enginee..ask the salesman what type of MIVEC engine it use, make sure it's 2.0 L DOHC 4B11.
Really?? Didnt even know can have fake engine's?? Where does this "fake engine" come from?
 

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Hehehe....I also wonder from where the fake MIVEC 4B11 engine came from... :adore:

Maybe from China kot? :idea:
 

DanzEterna

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iswara204,
if loan tenure is 9 yrs int rate should be higher than 3%.

anyone hows how proton commerce works? is it like toyota capital? ppl apply to them if their loans get rejected by finance company due to high commitments or blacklisted is it?

---------- Post added at 09:35 AM ---------- 6 hour anti-bump limit - Previous post was at 09:33 AM ----------

due to the recent tsunami disaster that hit the Jap's..make sure the inspira 2.0 u buy have a genuine MIVEC enginee..ask the salesman what type of MIVEC engine it use, make sure it's 2.0 L DOHC 4B11.
wat do u mean by genuine engine? got fake meh? or pay for 2.0L but get 1.8L engine?
for sure the salesman will say 2.0 4B11
 

amrancharger

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amrancharger

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Remember...salesman can only lure you with the low interest rate...
However the result will really depend on the bank policy to give you the loan interest rate.
I believe its more than 3%.

Anyway…heard the inspira comes with 5 years free servicing…pls cek with the salesman about this…coz u will save a lot…I guess…
 

WPQ800

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WPQ800

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well, my advise is, most ppl cant afford to pay lump sum value and most ppl will definitely resit to loan..... as we know, the bank need to make money out of their capital lending so thay charge interest.... you can reduce the amount you lost in the long run by:
1. pay higher down payment to reduce the amount of loan
2. reduce the period of payment
3. if u have extra money you can opt for early settlement, some banks even allow for flexi payment where u can either pay the agreed fixed installment amount or more than that to reduce your balance....

formula:
(P x r x t) + P = total amnt

[(P x r x t) + P] / t (in month) = monthly installment


by the way, im using inspira 2.0 too....... hehehe

---------- Post added at 10:33 AM ---------- 6 hour anti-bump limit - Previous post was at 10:30 AM ----------

P = principal / loan amount
r = interast rate
t = time

p/s: interest rate are controlled figure (not much we can do), it will affect directly to your "P" and your "t"
 

iswara204

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iswara204

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amrancharger said:
Remember...salesman can only lure you with the low interest rate...
However the result will really depend on the bank policy to give you the loan interest rate.
I believe its more than 3%.

Anyway…heard the inspira comes with 5 years free servicing…pls cek with the salesman about this…coz u will save a lot…I guess…
I understand. Hence I'm checking out what I can afford best. Nevertheless, I'm yet to understand how the 5 years free servicing works? When you say free, does it include all wear and tear?

---------- Post added at 11:41 AM ---------- 6 hour anti-bump limit - Previous post was at 11:41 AM ----------

DanzEterna said:
y not u consult EvolutionZ...he sells proton cars too...summore very honest wan....
Thx bro. Will also ask him :)
 

amrancharger

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amrancharger

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I understand. Hence I'm checking out what I can afford best. Nevertheless, I'm yet to understand how the 5 years free servicing works? When you say free, does it include all wear and tear?

---------- Post added at 11:41 AM ---------- 6 hour anti-bump limit - Previous post was at 11:41 AM ----------



Thx bro. Will also ask him :)
the free servicing part you have to check out with the salesman...
mybe later u can update us...hehehe...

coz its my first time hearing proton offering this to inspira owner...

i tink it doesnt include wear tear items...
 

iswara204

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iswara204

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WPQ800 said:
well, my advise is, most ppl cant afford to pay lump sum value and most ppl will definitely resit to loan..... as we know, the bank need to make money out of their capital lending so thay charge interest.... you can reduce the amount you lost in the long run by:
1. pay higher down payment to reduce the amount of loan
2. reduce the period of payment
3. if u have extra money you can opt for early settlement, some banks even allow for flexi payment where u can either pay the agreed fixed installment amount or more than that to reduce your balance....

formula:
(P x r x t) + P = total amnt

[(P x r x t) + P] / t (in month) = monthly installment

by the way, im using inspira 2.0 too....... hehehe

---------- Post added at 10:33 AM ---------- 6 hour anti-bump limit - Previous post was at 10:30 AM ----------

P = principal / loan amount
r = interast rate
t = time

p/s: interest rate are controlled figure (not much we can do), it will affect directly to your "P" and your "t"
Thx bro. I understand it better now. Just trying to grab a good deal though.

---------- Post added at 12:47 PM ---------- 6 hour anti-bump limit - Previous post was at 12:16 PM ----------

Another update from a salesman,

The loan is 90% and dp is 10% no matter what.

Car price: 92000(round figure)
Loan amount: 82800
Dp: 9200

Option 1
4k rebate
Dp rm5200
Loan amount: 82800

Option 2
4k rebate
Dp rm9200
Loan amount: 78800

Option 3
No rebate
Dp: 9200
Loan amount: 82800
Extended warranty for 5years instead of 3years
Free service for 5years.(which I'm not clear)
 

iswara204

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Guys, I have not done my homework yet. But after a Mamak session with my friends, they raised a new concern. Apparently the inspira 2.0 is not running on 4B11 engine(which is lancer 2.0 current engine). They're claiming that it's previous engine model that is fitted into inspira..

How true is this?
 

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have they checked their geran/garrant/pink slip for the engine code???? :biggrin:
 

DarkAccoon

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if they are claiming..... then their claims are wrong and ask them to re-check with their source....

I drive an Inspira 2.0 and its a 4B11. Even proton has that in their website.....funny that your friends claims otherwise.
 

iswara204

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iswara204

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DarkAccoon said:
if they are claiming..... then their claims are wrong and ask them to re-check with their source....

I drive an Inspira 2.0 and its a 4B11. Even proton has that in their website.....funny that your friends claims otherwise.
Haha, I told them exactly the same thing. I just double checked in the website, it's the same..

Anyway, have you test drive the lancer 2.0?
 

DarkAccoon

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my cousin sister has a lancer 2.0

erm.... overall on the inside, feels the same. Inspira is softer and suitable as a comfortable car as compared to lancer which has harder suspension.

i love my inspira except for a few glitches such as horrible sound proofing. noisy suspension (i heard even the newer batches has the same problem) and stupid player
 

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due to the recent tsunami disaster that hit the Jap's..make sure the inspira 2.0 u buy have a genuine MIVEC enginee..ask the salesman what type of MIVEC engine it use, make sure it's 2.0 L DOHC 4B11.

If 4B11 then sure will be 4B11. How to produce a fake engine all of sudden in such a short time? At most mayb 1 day proton announce they will manufacture 4B11 locally. However it will be still be the 4B11 design. It's not easy to design n fabricate an engine from scratch after all...

---------- Post added at 10:24 PM ---------- 6 hour anti-bump limit - Previous post was at 10:21 PM ----------

Guys, I have not done my homework yet. But after a Mamak session with my friends, they raised a new concern. Apparently the inspira 2.0 is not running on 4B11 engine(which is lancer 2.0 current engine). They're claiming that it's previous engine model that is fitted into inspira..

How true is this?

It can be easily checked by car registration card or looking at the engine block number or the more exaggerated case dismantle the engine send to mitsubishi japan for inspection. Proton can't con us like 3 years old kids today. So, dun worry bout those claimings... haha...:biggrin:
 

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i love my inspira except for a few glitches such as horrible sound proofing. noisy suspension (i heard even the newer batches has the same problem) and stupid player
This is interesting. The 1st batch of Inspiras was found to have more sound proofing than the Lancer and suspension was supposedly tuned by our local engineers to have a better ride than the Lancer. Unless they've started skimping on whatever batch it is they are making now.... which isn't unprecedented since Proton is famous for their marketing ploys.
 

DarkAccoon

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This is interesting. The 1st batch of Inspiras was found to have more sound proofing than the Lancer and suspension was supposedly tuned by our local engineers to have a better ride than the Lancer. Unless they've started skimping on whatever batch it is they are making now.... which isn't unprecedented since Proton is famous for their marketing ploys.
nah, Lancer itself does not have that good a soundproofing.
my batch is among the 1st batch. chassis 2XXX made in December 2010. its ok......just that i am a bit fussy.:P

but by all means, this is a real bang for buck car.
 

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sound proofing ok ma...and its quieter than lancer gt at some point due to the tire by conti CC5 series very quite ....but handling wise lose to lancer gt cos inspira has a very high ground clearance and thick tire.
 

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nah, Lancer itself does not have that good a soundproofing.
my batch is among the 1st batch. chassis 2XXX made in December 2010. its ok......just that i am a bit fussy.:P

but by all means, this is a real bang for buck car.
There's this rumour about the very 1st batch of show cars as being imported models which supposedly had "more" of everything.

Since yours is a 2L, throw in some sound dampening and autofoam la. Fussy people need to have the best of everything! :biggrin:
 

DarkAccoon

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yeah... more of everything.......

well sort of.... there is motor in our headlights but proton did not give us the switch to use the motor (to adjust the beam height)

So ppl go buy the switch from Mitsu for RM180.

not too sure bout the newer batches of Inspira. But things i notice is that windscreen is no longer from Mitsu, steering is different. erm...... rest tak tau.

=P, fussy ppl with no money like me... turn the volume higher lor, then all external noise gone. cheap...FREE solution.
 

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Inspira I find it quite cheap cheaper than lancer gt , I have a frend who received the car few months back, within 1 month fully convert the exterior to evo10 god dam it will evo 10 owners be surprised after proton brought down the standard and class for Mitsubishi?
 

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Let me share my experience with my less than 2-month old Proton Inspira 2.0P. Last week, I discovered that the car boot was flooded with water. I reported the problem to Proton i.Care and they responded to my email the very next morning. I was told that they have forwarded my complaint to the respective departments. Not bad at all; for their very prompt reply.

Unfortunately, that was the last I heard from them. I waited for a full week and not even a single call or email from them. I wrote to Proton i.Care again and told them that I have made a service appointment and requested that they ensure that someone is there to attend to my problem. This time, not even a reply from them.

This is what I got for buying a Proton Inspira; Poor QC + Poor Service. I took a gamble and thinking that they have improved much over the last couple of years. I was wrong and paid dearly for it. Think twice before you part with your hard earned money.