Maybank called me yesterday regarding the loan restructuring for my car. They offered a 14% lower monthly repayment but the tenure wil be extended.
I said no. That's ridiculous. I alread had plans to settle the loan soonest able, and now they want to make it 11 years? Not to mention that will also make the total repayment amount 6% higher!
I mean, come on. 11 years? I don't even think there's much left of the car in 11 years except a piece of junk. I just read that UK will ban all petrol and diesel cars by 2030. If Malaysia were to do the same, my car will not even be allowed on the road anymore by then while I'd still be paying the loan.
Ridiculous.
To be fair, I'm disappointed with Maybank to make me such a bad offer it really felt like an insult. When I requested an assistance, I was thinking perhaps give me another 4-6 months of moratorium extension. Just so that I can save a bit more and perhaps give me some breathing space if my income is reduced. Yes I still have a job that pays, but I am anxious of what's gonna happen in the next couple of months. Having a considerable saving and some leeway with my monthly commitments would make me feel a lot better.
And to think that I have been a loyal customer to Maybank. All my other loans are with Maybank including a credit card and I have a savings account, a stock trading account, and a gold savings account with them. But now, they won't even bother to make a better offer to help me get through this. Just take it or leave it, the message was.
Probably should start looking for the banks that treat their customers better.
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