Tak Mampu Bayar Kereta Lagi? Nak Tolak Tapi Takut Kena Topup Berpuluh Ribu?

Anda masih ada kereta. Masih bayar monthly. Tapi…

💸 Monthly installment RM1,500 – terlalu tinggi sekarang
😰 Setiap bulan struggle nak cari duit bayar
🏦 Bank dah call berkali-kali sebab late payment
💼 Income turun/hilang (retrench, bisnes slow, salary cut)
👨‍👩‍👧 Family expenses lagi penting – makan, rumah, anak

Anda dah decide: “Saya nak tolak kereta ni. Tak mampu dah.”

Tapi bila anda check…

Kereta anda: Honda Civic 2019
Beli harga: RM110,000 (2019)
Outstanding balance sekarang: RM62,000
Market value sekarang: RM48,000 😱

SHORTFALL: RM14,000!

Maksudnya: Bila anda tolak kereta kepada bank, mereka akan:

Jual kereta di auction/trade-in: RM45,000 (usually jual murah!)
Tolak dari outstanding: RM62,000 – RM45,000 = RM17,000 shortfall
Plus legal fees, admin charges: RM3,000
TOTAL KENA BAYAR TOPUP: RM20,000! 💀

Bank demand letter:

“Kereta anda telah dijual. Shortfall amount: RM20,000. Sila bayar dalam 30 hari atau kami ambil tindakan undang-undang. Nama anda akan di-blacklist CCRIS/CTOS.”

Anda dah tak mampu bayar RM1,500/bulan…

Sekarang kena bayar RM20,000 LUMP SUM?!

Ini bukan penyelesaian. Ini mimpi ngeri.

Kenapa Tolak Kereta Kepada Bank Adalah Idea Teruk

Apa Yang Bank Akan Buat:

Step	Action Bank	Impact Kepada Anda
1. Terima kereta	Ambil kunci, documents	Kereta gone ❌
2. Jual murah	Auction at 60-70% market value	Rugi besar ❌
3. Calculate shortfall	Outstanding – Sale price	Hutang masih ada ❌
4. Demand payment	Letter tuntut bayar 30 hari	Stress level maksimum ❌
5. Legal action	Saman, mahkamah, garnish gaji	Bankrupt risk ❌
6. Blacklist	CCRIS/CTOS record teruk	Cannot loan 5-7 tahun ❌

Contoh Real Cases:

Case 1: Mazda CX-5 2018

Dibeli: RM140,000 (2018)
Outstanding: RM85,000
Bank jual auction: RM60,000
Shortfall: RM25,000
Legal fees: RM4,000
Owner kena bayar: RM29,000 😱

“Saya tolak kereta sebab tak mampu bayar RM1,800/bulan. Sekarang bank suruh bayar RM29,000 sekaligus. Macam mana?!”

Case 2: BMW 320i 2017

Outstanding: RM110,000
Auction price: RM75,000 (continental car jual lagi murah!)
Shortfall + charges: RM38,000 💀

“Kereta RM200k beli dulu, sekarang jadi hutang RM38k. Kalau tahu, tak beli langsung!”

Case 3: Myvi 2020

Outstanding: RM38,000
Market value: RM42,000 (actually positive equity!)
Tapi bank auction: RM32,000 (jual murah gila)
Shortfall: RM6,000 + RM2,000 charges = RM8,000

“Kereta sepatutnya boleh cover loan, tapi bank jual murah sangat. Rugi!”

Penyelesaian: Program “Tolak Kereta Tanpa Topup Gila”

Bagaimana Kami Bantu

Konsep:

ANDA tolak kereta kepada KAMI (bukan bank)
- Kami assess kereta value dengan fair price
- Bukan auction murah macam bank
- Market-based valuation
KAMI settle dengan bank untuk close loan
- Kami bayar full outstanding kepada bank
- Loan anda CLOSED 100%
- Bank tak ganggu lagi
ANDA bayar shortfall yang BERKURANGAN (atau zero!)
- Kami minimize shortfall dengan jual kereta pada harga market
- Kami absorb sebahagian loss
- Anda bayar amount yang jauh lebih kecil
- Atau arrange payment plan (bukan lump sum!)

Comparison: Bank vs Kami

Scenario: Honda Civic 2019

Item	Tolak Kepada Bank	Program Kami
Outstanding balance	RM62,000	RM62,000
Harga jual kereta	RM45,000 (auction murah) ❌	RM55,000 (market price) ✅
Shortfall	RM17,000 ❌	RM7,000 ✅
Charges & fees	RM3,000 ❌	Included ✅
Total kena bayar	RM20,000 ❌	RM7,000 ✅
Payment terms	Lump sum 30 hari ❌	Installment 12-24 bulan ✅
Monthly after	RM0 tapi kena bayar RM20k! ❌	RM300-600/month (affordable!) ✅

Savings: RM13,000!

Plus: Boleh bayar secara ansuran, bukan lump sum!

3 Jenis Package Yang Kami Tawarkan

Package A: “Zero Topup Exit” (Best Case)

Untuk kereta yang market value hampir sama dengan outstanding

Example: Myvi 2021

Outstanding: RM42,000
Market value: RM45,000
Small positive equity!

Your payment: RM0 ✅
Kami absorb costs & sell at market price
You walk away clean!

Syarat:

Kereta popular models (Myvi, Axia, Bezza, Vios, City)
Good condition
Market value within 5-10% of outstanding

Package B: “Minimal Topup” (Most Common)

Untuk kereta yang ada shortfall moderate

Example: Honda City 2019

Outstanding: RM58,000
Market value: RM52,000
Shortfall: RM6,000

Bank would charge you: RM6,000 + RM2,500 fees = RM8,500
Kami charge: RM4,000 (absorb RM4,500 loss)
Payment plan: RM4,000 ÷ 12 bulan = RM333/month

Benefit:

✅ Reduced topup (almost 50% less!)
✅ Ansuran kecil (RM300-500/bulan)
✅ Tenure 12-24 bulan
✅ No legal harassment

Package C: “Shared Loss” (Underwater Loan)

Untuk kereta yang shortfall besar (continental, accident history)

Example: BMW 320i 2017

Outstanding: RM95,000
Market value: RM70,000
Shortfall: RM25,000 😰

Bank would charge: RM25,000 + RM4,000 fees = RM29,000 lump sum
Kami negotiate:

Kami absorb: RM10,000

You bayar: RM15,000

Payment plan: RM15,000 ÷ 24 bulan = RM625/month

Kenapa kami absorb loss?

We can sell better than bank auction (contacts, marketing)
We want repeat business & referrals
Better help you than let bank bankrupt you

Kereta Yang Kami Terima

Tier 1: Zero/Minimal Topup Potential ✅

Kereta yang hold value well:

✅ Perodua Myvi (all years 2016+)
✅ Perodua Axia (2017+)
✅ Perodua Bezza (2017+)
✅ Perodua Alza (2018+)
✅ Toyota Vios (2016+)
✅ Honda City (2016+)

High demand = easy resale = lower/zero topup for you

Tier 2: Moderate Topup (Negotiable) ⚠️

⚠️ Honda Civic (2015+)
⚠️ Mazda 2/3 (2015+)
⚠️ Toyota Altis (2015+)
⚠️ Nissan Almera (2016+)
⚠️ Honda HR-V/CR-V (2015+)

Topup RM3,000-8,000 range, can arrange installment

Tier 3: Higher Topup (Case by Case) 🔴

🔴 Continental cars (Mercedes, BMW, Audi, VW)
🔴 Kereta dengan accident history
🔴 High mileage (150k+ km)
🔴 Modified heavily

Topup RM8,000-20,000, tapi still better than bank!

Kami TIDAK Terima:

❌ Kereta total loss/major accident
❌ Kereta rosak engine/gearbox beyond repair
❌ Kereta terlampau lama (2010 below)
❌ Shortfall terlalu extreme (>RM40,000)

Process Step-by-Step

Step 1: Free Assessment (WhatsApp)

📱 Hantar kepada kami:

“Saya nak tolak kereta, takut topup banyak.

Kereta: [Model, year]
Outstanding balance: RM___
Monthly installment sekarang: RM___
Kenapa nak tolak: [brief reason]
Accident history? [Yes/No]
Mileage: ___ km

Berapa topup saya kena bayar?”

Kami akan reply dalam 2-4 jam dengan:

Estimated market value kereta anda
Estimated topup amount (if any)
Payment plan options
Next steps

Step 2: Vehicle Inspection

Kami arrange viewing (your home/office/convenient location)
Check kereta condition
Test drive
Verify documents
Take photos

Timeline: 1-2 hari after initial contact

Step 3: Quotation & Agreement

Kami akan bagi WRITTEN QUOTATION:

Sample Quotation:

Kereta: Honda Civic 2019
Outstanding with bank: RM62,000
Our assessed value: RM55,000
Shortfall: RM7,000

Your topup payment:

Option A: RM5,000 lump sum (discount RM2,000)

Option B: RM7,000 ÷ 18 bulan = RM389/month

Option C: RM7,000 ÷ 24 bulan = RM292/month

You pilih mana sesuai dengan kemampuan

Step 4: Legal Agreement

Dokumen yang ditandatangani:

Transfer of vehicle ownership rights
Settlement agreement dengan bank (authorization)
Payment plan agreement (if topup ada)
Release of liability

All lawyer-prepared. Protect both parties.

Step 5: Kami Settle Dengan Bank (3-7 Hari)

✅ Kami bayar full outstanding kepada bank
✅ Bank issue settlement letter
✅ Loan account CLOSED
✅ Anda free from that debt!

Step 6: Handover Kereta

Anda serah kunci, documents, spare key
Kami bagi receipt
Copy settlement letter from bank untuk anda

Step 7: Topup Payment (If Applicable)

If ada topup:

Start monthly payment (via bank auto-debit or manual transfer)
12-24 bulan installment
No late payment harassment (we’re reasonable people)
After full payment – completely CLEAR!

Timeline total: 7-14 hari dari inquiry to loan closed!

Real Success Stories

“Saved from RM18,000 topup to only RM6,000 installment”

– Azman, 38, Selangor

“Kena retrench, tak mampu bayar RM1,450/month untuk Civic. Nak tolak kat bank, kawan kata I akan kena topup around RM18k. Panic! Jumpa program ni, mereka value kereta better, end up I only kena bayar RM6k, boleh ansuran RM250/month for 2 years. Manageable! Alhamdulillah loan dengan bank dah close, stress hilang.”

“BMW nightmare turned into clean exit”

– Kevin, 42, KL

“Beli BMW 320i 2016 time economy good. Then COVID hit, business collapse. Outstanding RM88k, kereta value maybe RM65k je. Bank auction confirm jual RM55k max – I akan kena topup RM33k + charges = almost RM40k! Through this program, mereka absorb RM15k loss, I bayar RM18k over 24 months (RM750/month). Still painful but WAY better than bank’s RM40k demand. At least I can afford to eat while paying!”

“Zero topup for my Myvi – couldn’t believe it”

– Siti, 29, Penang

“Myvi 2020, outstanding RM39k. Takut kena topup sebab dah dengar cerita kawan. Tapi kereta Myvi hold value well, program ni jual market price, actually nilai kereta cover outstanding! I walk away zero topup, zero debt. Fresh start for real. Thank you!”

FAQ – Soalan Lazim

Q: Berapa topup saya akan kena bayar?

A: Depends on your car model, condition, outstanding balance. WhatsApp kami untuk FREE assessment. Range usually RM0 (best case) to RM15,000 (worst case, but still better than bank!)

Q: Kalau saya takde duit langsung nak bayar topup, macam mana?

A: We arrange installment plan! Even RM6,000 topup boleh split jadi RM250/month x 24 bulan. Jauh lebih manageable berbanding lump sum.

Q: Berapa lama process ni?

A: 7-14 hari dari anda contact kami sampai loan dengan bank fully settled. Fast relief!

Q: Kalau outstanding saya LEBIH TINGGI dari market value (deep underwater), anda still ambil ke?

A: Depends how deep. If shortfall below RM20k, usually yes – we work out payment plan. If RM30k+, kena discuss case by case. Still better to try dengan kami daripada tolak kat bank terus.

Q: Nama saya akan clear dari CCRIS/CTOS ke after ni?

A: Loan akan marked as “SETTLED” – which is positive! Score akan improve over 6-12 bulan. Better than “default” atau “repossession” status!

Q: Saya dah 2 bulan tak bayar, bank dah bagi warning. Terlambat ke?

A: NOT too late! Actually ini PERFECT timing. Before kereta kena tarik lagi bagus – process smoother. Contact kami SEKARANG sebelum bank tarik kereta (then lagi complicated).

Q: Kalau kereta saya ada accident history, boleh ke?

A: Boleh, tapi value akan kurang sikit = topup might be higher. Hantar details untuk honest assessment.

Q: Saya takut kena tipu. How to trust?

A: Fair concern. Kami provide:

✓ Registered company (SSM)
✓ Written quotations & agreements
✓ Lawyer-prepared documents
✓ You dapat copy settlement letter from bank
✓ Meet face-to-face before commit

Q: Kalau I change mind lepas sign agreement, boleh ke?

A: Got cooling-off period (3-5 hari). After that, if kami dah bayar bank, cannot reverse – legal commitment both sides.

Q: Kereta saya modified (bodykit, exhaust, etc). Ada masalah?

A: Light modifications okay. Extreme modifications might reduce value sikit. Let us assess.

Q: I still need a car for work. Boleh tolong cari replacement car murah ke?

A: Yes! We can help. After tolak kereta mahal, we can arrange cheaper replacement (Axia, Bezza, etc) with lower monthly. Win-win!

Kenapa Bertindak Sekarang?

Setiap Bulan Delay = Masalah Bertambah:

Delay	Consequences
1 bulan	Late charges RM100-300 ❌
2 bulan	Bank warning letters, stress ❌
3 bulan	Repossession notice ❌
4+ bulan	Kereta kena tarik! ❌❌❌

Bila kereta dah kena tarik:

Stor charges: RM50-150/hari
30 hari = RM1,500-4,500 extra!
Process lagi complicated
Legal fees higher

BETTER: Tolak voluntary SEKARANG before kena tarik!

Ambil Langkah Pertama Hari Ini

Jika anda:

✓ Struggle nak bayar monthly kereta
✓ Dah decide nak tolak/surrender kereta
✓ Takut kena topup berpuluh ribu
✓ Nak exit yang clean tanpa bankrupt
✓ Perlukan payment plan yang affordable

Jangan tolak kepada bank terus. Contact kami dulu!

Get FREE Assessment Now

📱 WhatsApp: [Your Number] (Response 2-4 jam)
🌐 Website: MudahLulus.com
📍 Office: [Your Address]
📧 Email: [Your Email]

FREE Vehicle Assessment
FREE Quotation
No Obligation

“Dari beban berat kepada monthly yang ringan. Dari takut topup kepada payment plan yang manage. Exit dengan maruah, bukan dengan muflis.”

DISCLAIMER:

Program ini untuk pemilik kereta yang tidak lagi mampu meneruskan monthly installment dan ingin voluntary surrender kereta. Kami bukan money lender dan tidak memberikan pinjaman. Kami membeli kereta dengan menyelesaikan hutang sedia ada dengan bank/company. Topup amount (jika ada) ditentukan berdasarkan perbezaan antara outstanding balance dan nilai pasaran kereta. Setiap kes dinilai secara individu – kami tidak guarantee zero topup untuk semua kereta. Payment plan untuk topup (jika applicable) adalah agreement berasingan dan tertakluk kepada penilaian kelayakan. Selepas agreement ditandatangani dan settlement dengan bank dibuat, kereta menjadi hak milik kami dan pemilik asal tidak mempunyai hak lagi terhadap kenderaan tersebut. Terms & conditions apply. Semua transaksi tertakluk kepada undang-undang Malaysia.

Important Note: Voluntary surrender adalah lebih baik daripada repossession dalam CCRIS/CTOS record. Namun, ia tetap akan terpapar dalam credit history anda. Kami mengesyorkan anda dapatkan nasihat kewangan sebelum membuat keputusan.