Toyota Yaris XP150 2020 Dedicated Discussion, Owners / Fans Club Thread

[zeus65]

acha to is waqt KIBOR 7% hai, plus banks discounted fixed rate is 2.5% for 2 yrs, plus 2% insurance. so in total is 9.5%+2% for 2 years plan and 10.5%+2% for 3 to 5 years plan.

so apart from this difference in rate, what else matters between different banks?

1. conventional or islamic
2. interest rate + fixed or variable
3. insurance rate + insurance company +
4. perhaps the processing fee and all
   what else???

[zeus65]

i calculated with HBL, with its fixed rate and by fixed rate i mean that fixed for whole tenure, it is costing around 2.5 lacs more on 3 years plan with 40% down payment fo yaris ativ cvt.
and as i don't know, HBL in its fixed rate of 11% will change the rate when KIBOR changes then, as you said it will be unpredictable keeping in mind the govt. policy.
IMF plan is for 3 yrs. and when next yr when they again go for extension of loan, then IMF will again impose strict policy making rules on us and govt. will naturally raise the interest rates and inflation rates.

[fastian04]

They will change with kibor..all they can do is to keep their own additional rate constant

[aoun556]

After recent price hike by Honda..i am afraid if Toyota may again revise prices...My yaris delivery is in November..so its risky game now.I think honda increased prices in 02 segments however Toyota increased in one go in April. Total price increase on Honda City is 120K & 200k on Civic in May & July while toyota increased prices for 1.3 Gli for 120k & 200k on Grande in one segment. I hope IMC will not raise prices again now..

[pwuser158876067996]

INSHALLAH, there will not be any increase in price

[aoun556]

Allah apki Zuban mubarak kary.

[aoun556]

I also first had plan to go for HBL financing..its good thing is fix rate of 11 %.chances are govt will increase KIBOR in coming days may be after December as IMF will impose this but with this HBL offer it will not change.But i booked on cash then..however offer is good but HBL does not have good customer care reputation.

[zeus65]

thats good... cash makes booking easier.
wese are you sure that HBL's 11% is fixed even if KIBOR changes tomorrow??
i will further confirm it after eid. lets see what HBL ppl say.

[KhurrumIftikhar1]

Does any one know where can i find Oem sryle high quality Side skirts for my Yaris .

Since OEM one are very costly Toyota indus is demanding 1lack 20 thousand for Side skirts .

Itne ke to gari ke agle pichle bumper aajayin

[aoun556]

Yes i confirmed from their manager sales..its 10.99 fix rate and 02 % insurance..

[mian.z.arain]

Bs yehi chezen hti hn... ar kch banks insurance yearly chrge krty hn jo k dena mushkil ha kch installment me adhust kr dety hn. Phr Aik ata ha Residual Value... agr client ny installment km rkhni ho tou banks Residual value ka option kr sety hn isme hmari installments kafi km ho jati hn lekin plan k end py jb gari clear krni hti ha tb aik value hti ha jiski percentage humny choose ki hti ha finance krty wqt wo pay krni prti ha hume...

Mtlb k banks ny hr trf sy clients ko gherny ka bndobast kia hua ha...

[aoun556]

banks are very clever..they charge first year insurance with downpayment..and second year insurance is added from 1st installment...

[bilal.janjua1]

Abhi kisi bhai ny Yaris purcjki ho. Or koi issue aya to kindly btaya. I hv plans to buy 1.3 variant.

[KhurrumIftikhar1]

Getting ready for Eid

[KhurrumIftikhar1]

[kazim-501]

Bhai cost of Air press? Location of purchase?
@KhurrumIftikhar1

[KhurrumIftikhar1]

4500 from Auto jin.com

[KhurrumIftikhar1]

Average from Gujranwala to Gujrat on light foot.

[chinyoti]

Yes that is the reason last year installments are insurance free.

[arcane3888936656]

AGS need extra care otherwise dies in 1 year. I agree.