Skim Graduan Perodua
Skim Graduan Perodua
As a fresh graduate stepping into the workforce, the first stride toward independence often involves owning a vehicle. For many graduates, purchasing a car can pose a significant financial challenge, considering the tight financial constraints they may face. However, with the advent of the Skim Graduan Perodua, new graduates now have the opportunity to easily and securely own a Perodua car. This article will delve into the specifics of the Perodua Graduate Scheme and outline the steps to acquire a vehicle through this program.
Skim Graduan Perodua Overview
The Skim Graduan Perodua is a campaign initiated by banking institutions to address mobility issues faced by those entering the workforce. The primary hurdle for buyers (graduates) in this segment is obtaining a new Perodua vehicle loan without having a three-month income statement, a common requirement for loan approval.
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8 Requirements for the Skim Graduan Perodua
To be eligible for the Skim Graduan Perodua, applicants must meet the following criteria:
Possess a Diploma, Degree, Master's, or Ph.D. from a Ministry of Education-recognized institution.
Hold a valid driving license.
Be aged 30 or below.
Have been employed for at least one day.
Open to those working in the Government or Private sectors.
Minimum salary of *RM1,800 for those working in Kuala Lumpur/Selangor. Minimum salary of *RM1,500 for those working outside Kuala Lumpur/Selangor.
Only basic salary and fixed allowances are considered; overtime or commissions are not factored in.
Loans are only applicable for new Skim Graduan Perodua cars.
*If your minimum salary falls below RM1800 or RM1500, contact us for further discussion. We will assess your eligibility based on various other factors.
Advantages of the Skim Graduan Perodua
No guarantor required.
No deposit or full loan options available.
Customize your deposit based on your budget.
Low-interest rates (depending on the current rates set by the bank).
Swift approval (subject to bank processing).
Banks Offering the Skim Graduan Perodua
Several banks provide financing for the Skim Graduan Perodua, including:
Bank Islam - GradONE (formerly Gradhitz-i)
Bank Muamalat - Muamalat Auto-Grad Scheme
Bank Rakyat - An Naqlu 2 – Graduate Scheme
CIMB - First Car Financing
Maybank - My First Car Plan
Perodua Car Models to Choose
1. Perodua Axia:
Axia 1.0 G, 1.0 X, 1.0 SE, and 1.0 Advance.
Prices range from RM39,919.95 to RM51,123.10.
Monthly installments start from RM428 to RM549.
2. Perodua Bezza:
Bezza 1.0 G (Manual/Auto), 1.3 X, and 1.3 Advance.
Prices range from RM35,789.70 to RM51,664.25.
Monthly installments start from RM384 to RM555.
3. Perodua Myvi:
Myvi 1.3 G, 1.3 GZ, 1.5 X, 1.5 H, and 1.5 Advance.
Prices range from RM48,074.05 to RM61,859.85.
Monthly installments start from RM516 to RM664.
4. Perodua Ativa:
Ativa 1.0 Turbo X, 1.0 Turbo H, 1.0 Turbo H (Special Metallic), 1.0 Turbo AV, 1.0 Turbo AV (Special Metallic), and 1.0 Turbo AV (2 Tone).
Prices range from RM64,515.00 to RM75,718.15.
Monthly installments start from RM659 to RM773.
Bank Approval:
You can choose based on your salary qualification. Loan approval depends on the discretion of the bank.
Recommended Perodua Cars According to Salary
Required Documents
Copy of IC (Front & Back).
Copy of Driving License (Front & Back).
Offer Letter (All pages, ensuring job acceptance confirmation).
Scroll or Transcript.
Please email the complete documents to nzrcars@gmail.com or fill out the Skim Graduan Perodua Reservation Form below.
For more information and discussions, contact Mr. Nazrin at 013-4800 878 or click the WhatsApp button on the right below.
Frequently Asked Questions (FAQs) about the Skim Graduan Perodua
1. What is the Skim Graduan Perodua?
The Skim Graduan Perodua is a financing initiative provided by various banks to assist fresh graduates in purchasing a new Perodua car. It addresses the challenge of obtaining a vehicle loan without a three-month income statement.
2. What are the advantages of the Skim Graduan Perodua?
No need for a guarantor.
No deposit or full loan options available.
Customizable deposit based on your budget.
Low-interest rates (dependent on the current rates set by the bank).
Swift approval (subject to bank processing).
3. Can I apply if I have an offer letter but haven't started working yet?
Yes, the Skim Graduan Perodua is designed to assist graduates who have received a job offer but have not started working. You can apply as long as you meet the other eligibility criteria.
4. Can students apply for the Skim Graduan Perodua?
The scheme is typically designed for graduates who have completed their studies and entered the workforce. Students who have not graduated may not meet the eligibility criteria.
5. Can I apply without a payslip?
Yes, one of the key features of the Skim Graduan Perodua is that it allows applicants to apply without a three-month payslip, which is a common requirement for traditional vehicle loans.
6. Do I need to provide a salary slip if I've been working for more than three months?
No, the Skim Graduan Perodua does not require a three-month salary slip. However, other documents, such as the offer letter, may still be necessary.
7. Can I apply if I have outstanding PTPTN loan payments?
The eligibility criteria do not explicitly mention restrictions based on outstanding PTPTN loan payments. It's recommended to contact the relevant authorities or banks for clarification on specific financial situations.
8. Is there a discount for applications through the Skim Graduan Perodua?
Discounts may vary, and it's advisable to check with the participating banks or dealerships for any ongoing promotions or discounts associated with the Skim Graduan Perodua.
Conclusion
The Skim Graduan Perodua is an invaluable opportunity for new graduates seeking to own a Perodua car more easily and securely. With low down payments, straightforward credit implementation, and reasonable monthly payments, graduates can step into the working world with increased confidence through vehicle ownership. For new graduates, owning a car not only enhances mobility but also opens doors to more opportunities. With the Skim Graduan Perodua, the dream of owning a car is no longer just a dream but a reality that can be achieved.
We hope that this comprehensive guide to the Skim Graduan Perodua and the information provided above will facilitate your journey to owning your dream Perodua car this year. Let's reserve your Perodua car online! We'll handle it until you become the boss...
