{"id":159,"date":"2017-11-03T14:41:36","date_gmt":"2017-11-03T06:41:36","guid":{"rendered":"http:\/\/www.getdrivemark.com\/my\/?p=159"},"modified":"2019-09-26T10:15:33","modified_gmt":"2019-09-26T02:15:33","slug":"kos-terselindung-kereta-baru","status":"publish","type":"post","link":"https:\/\/www.getdrivemark.com\/my\/kos-terselindung-kereta-baru\/","title":{"rendered":"Fresh Grad &amp; Kereta Baru, amboi, amboi&#8230;"},"content":{"rendered":"<h2>Kalau duduk rumah sewa, tapi pakai kereta mewah, amboi, amboi..<\/h2>\n<p>Itulah ayat tipikal generasi milenia kita yang kurang skill ukur baju di badan sendiri. Tapi to be honest, maybe bukan kerana tak ukur, tapi salah ukur. Kebanyakkan first time car owners kurang exposure akan kos sebenar memiliki kereta.<\/p>\n<p>Jadi di sini kami kongsikan beberapa perkara dalam pengurusan bajet yang perlu anda pertimbangkan sebelum membeli kereta idaman anda.<\/p>\n<h3>Komitmen tidak melebihi 20% gaji bulanan<\/h3>\n<p>Rakan-rakan yang sifu dalam pengurusan kewangan menasihatkan agar anda tidak menggunakan lebih dari 20% gaji bulanan dalam pembayaran loan. Maksudnya, jika gaji bulanan anda dalam RM1500-RM2000, maksimum peruntukan pembayaran kereta adalah dalam RM300 &#8211; RM400.<\/p>\n<p>Kereta dalam range harga sebegini adalah seperti Perodua Axia, dan lower range specs bagi Myvi, Bezza atau Saga. Kalau nak lagi jimat, kereta second-hand pun boleh di pertimbangkan.<\/p>\n<h3>Kos terselindung kereta<\/h3>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-160 size-large\" src=\"http:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/2017\/11\/syimi-577x1024.jpg\" alt=\"kos terselindung kereta\" width=\"577\" height=\"1024\" srcset=\"https:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/sites\/2\/2017\/11\/syimi-577x1024.jpg 577w, https:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/sites\/2\/2017\/11\/syimi-169x300.jpg 169w, https:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/sites\/2\/2017\/11\/syimi.jpg 640w\" sizes=\"(max-width: 577px) 100vw, 577px\" \/><\/p>\n<p>Selama setahun, salah seorang dari team kami track kos penggunaan terselindung Proton Preve Exec, menggunakan app Road Trip (ya, kami begitu obses dengan tracking), apa yang kami dapati, kos tambahan (selain loan) menjangkau RM 800 sebulan, perfff&#8230;<\/p>\n<p><img loading=\"lazy\" class=\"size-full wp-image-161 aligncenter\" src=\"http:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/2017\/11\/peele.gif\" alt=\"kos terselindung kereta\" width=\"498\" height=\"278\" \/><\/p>\n<h4>Ringkasan<\/h4>\n<ul>\n<li>RM 0.32 untuk setiap KM<\/li>\n<li>Return Trip Kerja 70 KM<\/li>\n<li>Toll Return Trip RM 4.20<\/li>\n<li>Sehari RM26<\/li>\n<li>Sebulan (5 hari kerja) = RM 520<\/li>\n<\/ul>\n<p>Itu belum termasuk road tax, insurance, serta segala kemungkinan lain seperti maintenance, balik kampung, dan bersiar-siar. Kosnya sudah lebih berbanding loan kereta. Nak senang dan selamat kira, boleh anggar kos overhead anda mencecah dua kali ganda harga pembayaran loan.<\/p>\n<h3>Tak mampu, jadi macam mana?<\/h3>\n<p>Cara alternatif untuk tangguhkan pembelian kereta sehingga anda benar-benar layak atau perlu, ada banyak. Namun masing-masing ada kekangan mengikut individu. Jadi di sini kami senaraikan beberapa tips, mana tahu ada yang kena dengan anda.<\/p>\n<p><img loading=\"lazy\" class=\"size-full wp-image-162 aligncenter\" src=\"http:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/2017\/11\/genes-meme-fry-emergency-fund.528425131.jpg\" alt=\"kos terselindung kereta\" width=\"623\" height=\"452\" srcset=\"https:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/sites\/2\/2017\/11\/genes-meme-fry-emergency-fund.528425131.jpg 623w, https:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/sites\/2\/2017\/11\/genes-meme-fry-emergency-fund.528425131-300x218.jpg 300w\" sizes=\"(max-width: 623px) 100vw, 623px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3>Sewa Rumah berdekatan dengan office<\/h3>\n<p>Gunakan peruntukan kos transport anda untuk menyewa rumah supaya lebih hampir dengan pejabat. Jika rumah jauh, jimat sewa RM300 sebulan, tapi bayar duit minyak dan toll mencecah RM 500 tak guna juga kan.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" class=\"size-full wp-image-163 aligncenter\" src=\"http:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/2017\/11\/reece.jpg\" alt=\"\" width=\"504\" height=\"415\" srcset=\"https:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/sites\/2\/2017\/11\/reece.jpg 504w, https:\/\/www.getdrivemark.com\/my\/wp-content\/uploads\/sites\/2\/2017\/11\/reece-300x247.jpg 300w\" sizes=\"(max-width: 504px) 100vw, 504px\" \/><\/p>\n<h3>Grab dan Uber<\/h3>\n<p>Kini nak commute jarak dekat lebih mudah dan murah jika guna Grab dan Uber berbanding beli kereta pada awal permulaan kerjaya anda. Sementara menggunakan servis Grab dan Uber, boleh la kumpul dahulu kos deposit 10% untuk pembelian kereta, atau kalau memang anda tidak perlu sangat kereta, join geng property investment. Ini kena cari blog lain pula. Kami boleh recommend-kan https:\/\/hartabumi.com sebagai sumber rujukan anda<\/p>\n<h3>Utamakan Public Transport atau Motorsikal<\/h3>\n<p>Walaupun kurang glamor berbanding memiliki kenderaan sendiri, sekurang-kurangnya akaun bank anda kekal hensem dan anggun.<\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"blog-excerp\">Kalau duduk rumah sewa, tapi pakai kereta mewah, amboi, amboi.. Itulah ayat tipikal generasi milenia kita yang kurang skill ukur baju di badan sendiri. Tapi to be honest, maybe bukan kerana tak ukur, tapi salah ukur. Kebanyakkan first time car owners kurang exposure akan kos sebenar memiliki kereta. Jadi di sini kami kongsikan beberapa perkara [&#8230;]<\/p>\n<p class=\"blog-excerp\"><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/www.getdrivemark.com\/my\/kos-terselindung-kereta-baru\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":170,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,9],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fresh Grad &amp; Kereta Baru, amboi, amboi...<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.getdrivemark.com\/my\/kos-terselindung-kereta-baru\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fresh Grad &amp; Kereta Baru, amboi, amboi...\" \/>\n<meta property=\"og:description\" content=\"Kalau duduk rumah sewa, tapi pakai kereta mewah, amboi, amboi.. Itulah ayat tipikal generasi milenia kita yang kurang skill ukur baju di badan sendiri. Tapi to be honest, maybe bukan kerana tak ukur, tapi salah ukur. Kebanyakkan first time car owners kurang exposure akan kos sebenar memiliki kereta. 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