Sambung Bayar

By 4 years ago

So what exactly is ‘sambung bayar? This was an alien concept to me up until recently when I realised that cars were bought and sold on what felt more like a gentleman’s agreement than a binding contract. The term ‘sambung bayar‘ really refers to an owner who is still currently servicing a loan for his/her car but wants to sell it off to a party that would purchase it and continue servicing the original owner’s loan. Up until the loan repayments are completed, the car’s ownership is then transferred over to the purchaser via a JPJ K3 form.

The seller usually gets a one time deposit from the purchaser as a guarantee of intent as well as a fallback in the event that the purchaser falls foul on servicing the seller’s loan. A simple agreement is signed between both parties at point of handing over the car, to signify that the purchaser will now continue servicing the current loan and is responsible for the vehicle itself and that the transfer of ownership will be performed upon the completion of the loan.

So what drives folks to not mind ‘purchasing’ a car without having a ownership transfer performed? One of the main reasons for this is the fact that the purchaser wants to drive around in a better car than he/she can otherwise afford if he/she were to purchase it second hand (due to second hand loan rates, heavy downpayment etc). Others purchase cars through this method because they are not able to get the credit line required for such a purchase.

Whatever the reasons for buying and selling through the sambung bayar method, it undoubtedly has its own market here locally, unbeknown to some of us – at least up until you read this article, perhaps.

There 181 Comments. Add Yours.

  1. I am looking for “kereta sambung bayar” myvi with balance loan below than 3 years. Budget dp rm5/6k . Please whatsapp me 0127697962 ( daus) #serious buyer

  2. Saya mencari kereta sambung bayar alza auto / exora auto. Area kedah , penang dan perlis. Jika ada whatsapp saya 011-32093208

  3. Sy mncri kete utk smbung byar..dp dlm 2k jka ad sla hbungi sya..0175282110..thkz

  4. sy ad exora utk dsambung bayar dp rm6k..jka bmnat sila whatsap sy..0175282110

  5. Saya mencari kereta mpv sambung bayar toyota wish tahun 09. Down payment bajet 10 k.jika ada call 0133758299. .

  6. I Got one Mazda 6 2.5 tahun 2012, untuk sambung bayar…anyone interested…contact me

  7. Omar Abdullah says:

    Salam, nak cari kereta auto sambung bayar area Penang @ Kedah..deposit 1500K…contact 0193104973 @ 0199708735

  8. I looking for Nissan xtrail 4w in year 2010 for sambung bayar I got dep rm10k

  9. Vios j full bodykit white 2012 to let go.downpayment 5k(nego).sambung bayar.
    minat sila col/msj/whatsapp 0182515733

  10. saya ade alza advance untuk sambung bayar.. sesiapa berminat boleh hubungi 0169866442

  11. Mencari kereta sambung bayar downpayment RM5000, bayaran bulanan <RM500.
    KUCHING AREA
    Boleh tolong bagi contact number ?

  12. saya ada kereta honda accord big vtec reg 1997,dh habis bayar,sy nk jual rm 14k cash,leather set,cd player,16″ sport rim,road tax smpai oct 2014harga di kedai masih rm30kharga boleh runding..kol 0125722145.

  13. saya cari kereta sambung bayar call me 0183571581

  14. sy tgh mencari kereta smbg byr dan deposit dalam 10k ada tak.

  15. muhammad hafizul says:

    Bagi no fon u

  16. can you send me the sample agreement for kereta sambung bayar?
    tq

    ong

  17. nak cari kereta sambung bayar, bulanan rm800 kebwh, dp1k lebih xmampu.

    boleh whatsapp ke 0139810369 URGENT

  18. kami sedia membeli kereta high loan untuk keterangan lanjut sila call 011-26504806

  19. saya mencari mercedes masterpeace atau elegance sambung bayar. 0195280133

    • BMW E90
      08
      PUSH START BUTTON
      TIP TOP CONDITION
      NICE NO PLATE
      D/P RM26K
      MONTLY RM2200 X 48 MONTH
      INTERESTED CAN CALL THIS NO..TQ
      012-6296845

  20. BUAT DUIT DGN KERETA

    BEBANAN BAYARAN BULANAN KERETA?
    TIDAK MAMPU JELASKAN TUNGGAKKAN?
    HILANG SUMBER PENDAPATAN?

    KAMI ADA CARA:

    SEWAKAN KERETA ANDA UTK JANA PENDAPATAN
    BERI KAMI SAMBUNG BAYAR
    JUAL KERETA ANDA KEPADA KAMI

    CTH: 3THN +BLN SYARIKAT BYR: 1K X 36(3THN): 36K

    BERMINAT BLH HUBUNGI :010-2251522/03-61435773
    DTG KE PEJABAT KAMI : NO 30 JLN TEKNOLOGI 3/6D SEKSYEN 3 KOTA DAMANSARA.PJ

  21. mencari merc atau bmw.deposit 20k .sms 0193522380

  22. nak cari honda civic fd 2.0 …deposit 10k

    • BMW M Sport 525i Thn 05/10 Sambung Bayar Muka 45k bulanan 2900

      • SENARAI KERETA SAMBUNG BAYAR :-

        1. BMW 525i M SPORT 05/10 Dep 45k Mth 2900
        2. BMW 525i 04/09 Dep 38k Mth 2300
        3. Estima ACR 50 06/09 Dep 38k Mth 2300
        4. Accord 2.4 iVtec 2010 Dep 38k Mth 1800
        5. Honda City i-Vtec 2012 Dep 19k Mth 930
        6. Civic FD2 i-Vtec 2010 Dep 27k Mth 1300
        7. Inspira 2.0 P 2012 Dep 19k Mth 900
        8. Myvi 1.5 SE (A) 2012 Dep 14k Mth 580
        9. Myvi 1.5 SE (A) 2013 Dep 16k Mth 650
        10. Saga FLX CVT (A) 2012 Dep 9k Mth 500
        11. Exora 1.6 (A) CPS 2009 Dep 13k Mth 850
        12. Satria Neo R3 2012 Dep 16k Mth 720
        13. BMW 320i E90 Thn 2008 Dep 35k Mth 2300
        14. BMW 320i E90 Thn 2006 Dep 29k Mth 1700
        15. Viva Elite 1.0 (A) 2012 Dep 7900 Mth 450
        16. Harrier 2.4 Thn 03/08 Dep 35k Mth 1600
        17. Caldina GT4 (M) 03/08 Dep 19k Mth 1200
        18. Kelisa 1.0 (A) 2005 Dep 6k Mth 280
        19. Civic FD 1.8 Thn 2008 Dep 22k Mth 1k

        Call Aji – 014 633 2787
        Ali – 0111-644 6699

  23. Saya mencari kereta honda EK(MENUAL) @MYVI (AUTO) diposit 2k……bulanan rm600 kebawah.kalau ada tolong hubungi saya 0194051404 @ emeil (mohdfaiz454@yahoo.com)

    • SAYA DISINI INGIN MENCARI HONDA JAZZ ATAU HONDA CITY OR VIOS UNTUK SAMBUNG BAYAR..SESIAPA YANG INGIN MENJUAL SECARA SAMBUNG BAYAR DEPOSIT KURANG DARI 5k SILA SMS DI NUMBER 0124178227

  24. Hi, im looking for Gen2 manual for Sambung bayar. Deposit Below 4K. Kindly contact me @ 010 6666691.

  25. Hi, im looking for Gen2 manual for Sambung bayar. Kindly call me @ 010 6666691.

  26. Saya mencari Viva 1.0 2007 /2008/ 2009.

  27. Sy mencari Honda jazz Sambung bayar direct owner 0179814991

  28. Kia Forte sambung Bayar year 2010
    Bayar Bulanan : RM740.00
    Very good condition!
    Down Payment RM 18,000.00 (negotiable)
    Jika anda berminat sila hubungi En. Azman : 012-2124708

  29. Hi! I’m looking for kereta sambung bayar Mbenz C180 or C200 CGi year 2009 and above. d/p RM20K. pls call or sms me at 0137053223. Tq

    • bajet 20k utk honda fd thn 07/08/09,caldina gt,bmw thn 00/01/02/03 blh dpt…continental mcm merc ni paling kurang pun 40k…cuba survey dulu.

    • http://www.cartrust.my ada banyak jenis kereta sambung bayar, CarTrust.my merupakan Pembekal Kereta Sambung bayar yang dipercayai sejak tahun 2009. CarTrust mementingkan kejujuran, kualit, harga yang berpatutan!

      Jika anda mempunyai sebarang pertanyaan tentang jualan kereta yang dilakukan, boleh terus menghubungi kami di talian 012-212 4708.

  30. SY NAK JUAL KENARI SILVER METLIC FREE ACCIDENT,MANUAL 2002, PLAT PENANG, TAYAR BARU, 170,000 MAILAGE, ROADTAX OK LG DAN BARU SERVICE…MINAT CALL 016 4681069

  31. semuanya mengarut,cari masalah…

  32. Berminat nak sambung bayar …… direct owner ….monthly tinggi no problem….deposit rm2k….sama2 tolong….

  33. no sya 0145886624

  34. Salam…sy mncri keta smbung byar x kesah model apa pun…yang penting deposit murah n bulanan rm500 ke bawah.

  35. salam sejahtera,

    saya mencari kereta vios tahun 2008 ke atas utk sambung bayar .

    terima kasih

  36. honda city idsi 06
    sambung bayar blnn 621
    ada 6thun lbh lg
    deposit 3800

  37. Kami jual kereta secara sambung loan kepada pelanggan yang susah loan kereta
    baru

    * Kia Caren 1.8 Auto – CBU
    * 1 lady owner (very careful owner)
    * Leather seats (no crake,peeling or seasoning)
    * Sun roof, sport rim, CD player
    * Excellent condition, smooth running engine
    * 100% accident free assured
    Cash deposit RM9950
    Monthly 560
    Boleh bincang harga!
    Most welcome to see the car and test drive
    For more information please contact:
    ** 019-3091699 – Man

  38. Im looking for a bimmer 3 series, sambung bayar with low deposit.kindly contact 016-3468136

  39. Kia Sportage 4×4
    RM 9K. . Good Condition
    Call : 0163845079 / 0179077217

  40. I’m looking for a car sambung bayar. My budjet is only 2k/3K for deposit. Please call
    014-7214446 (urgent)

  41. van kia pregio 2.7 2005 sambung bayar…deposit rm13k….bulanan rm350…berminat dan serius hubungi saya 0173553887

  42. ya i have honda cvice 2010 tip top very nice car
    warna beru
    monthly pay 1050
    deposit 25000k
    sms 0163710064

  43. hi may name amir i want buy your car plz send me gambar at this email.id

    walidamir2020@gmail.com

  44. Saya mencari kereta viva auto sambung bayar sebelum bulan 6 nie. d/p bawah 2k atau 3k dan bulan bulan bawah 4 ratus .. kalau boleh bawah 3 ratus pom boleh .. saya nak bawak pergi kuliah .. boleh email saya di nurida_9391@yahoo.com

    • kepada kawan-kawan yang ingin pakai kereta yang bank tidak lulus saya boleh menbantu anda kereta sambung bayar muka untuk dapat kereta sambung bayar antara Rm 7 k keatas semua jenis kereta ada mengikut tahun boleh mehubungi saya din motorsport sdn bhd 016-2924008 atau 016-2289405

  45. saya sedang mencari kereta viva/sambung bayar..kalau ada sila inform saya….
    email saya (alaisyahhasyim@yahoo.com)….(sabah)

  46. saya mahu cari kereta sambung loan. toyota vigo deposit dalam rm5k.. please call 0168027070 area sabah je,,

  47. i am looking Volvo XC 60 latest model, kalau ada yang minta sambung bayar

  48. Hai,sy mencri kerta sambung bayar myvi,saga satria neo..pls call 0136002647 ieyla

    • kepada kawan-kawan yang ingin pakai kereta yang bank tidak lulus saya boleh menbantu anda kereta sambung bayar muka untuk dapat kereta sambung bayar antara Rm 7 k keatas semua jenis kereta ada mengikut tahun boleh mehubungi saya din motorsport sdn bhd 016-2924008 atau 016-2289405

  49. sy tgh m.cri keta wira atau myvi sambung bayar. d.perak.bajet dalam rm2000 bln2 empat ratus lbih kalu ade sila hbungi sy 0125972309

  50. i wan find car toyota vios(white),about rm40000,but not kind of sambung bayar,around kedah or penang only ,thx
    call me Miss Lim0175988967

  51. I’m looking for saga,myvi,persona,kelisa/sambung bayar my budget is less than rm3500.

  52. saya nak cari kereta sambung bayar d/p 1000 kelisa/kenari/satria 0138267582

  53. saya nak cari kereta sambung bayar d/p 1000 kelisa/kenari/satria urgent..0138267582

  54. saya nak cari kereta sambung bayar d/p 1000…kelisa/kenari urgent …0138267582 cod johor.

  55. Muhammad Shahzad says:

    i migrate in malayisa in the month of oct-12 and looking for 2nd hand sambung car..

  56. saya ade motor lc135 plat ahv n ahw,minta byr rm500 utk agrement n tukar nama..ptu sambung byr..utang ade 2tahun lbh je lg..urgent..bermint blh call 0125420721/0125203231

  57. say nak cari kereta Mitsubihsi Lancer 2008 dan keatas sambung bayar.
    sila hubungi saya 019 – 3214013 Awang

  58. I have perdana v6….

  59. SAYA ADA KERETA SAGA LMST TAHUN2007…GOOD CONDITION.SAMBUNG BAYAR RM350/MONTH.BALANCE LOAN RM15000, DEPOSIT RM3000. ADA LAGI 4TAHUN..SIAPA BERMINAT SMS 0142708385.

  60. menghadapi masalah kereta…

    sudah kena tarik…
    bulanan tinggi..
    tunggakkan banyak..
    nak pajak kereta ,motor/ barang
    nak pakai duit …
    baki bank banyak lagi…
    mencari org sambung bayar…

    blh hubungi saya 010-2266095/017-3110068
    pihak kami sedia membantu..

  61. senarai kereta sambung bayar…

    myvi auto 08 bln 464 hitam
    myvi manual 08 bln 540 putih
    hyundai getz 06 bln 689 silver
    hyundai atos 03 bln 320 auto colet
    wira auto 2001 bln 426 pepar
    wira manual 05 bln 550 biru
    kia spectra 04 bln 289 putih

    serious buyer call 010-2266095/017-3110068
    email : sayangfamily88@yahoo.com.my
    forener welcome..
    prize can nego

  62. sy muz nk cari kete smbg bayar deposit rm2500..urgent 0173128413 klu boleh myvi

  63. sy muz nk cari kete smbg bayar deposit rm2500..urgent 0173128413

  64. hi, i wan old car for buy datsun lampu petak totota le/gl etc

  65. Ive got Kia Carnival MPV 2002. Pay RM2500 dan sambung bayar RM 700 pm.

  66. i have one lancer evolution 9 for cont installment..minor upgrade….365HP…serious buyer..no agent please..tq

  67. hi ,sy sham nk cri kerta viva/mayvi smbg byr..0173950267 sham

  68. Hi ALL,

    I am looking for a car sambung bayar. My budjet is only 3K for deposit. Please call Zul 016-2152548

  69. nak cari 4×4- hilux, triton, ranjer – sambung bayar..

  70. honda city dalam thun 2010 ada x? smbung byr? 0173370059

  71. i have perodua kelisa m 02 bolt on turbo.upgraded cost rm10k. Balance only 9k at bank. Sambung bayar need rm7k.monthly rm320

  72. I have Honda Jazz 1.4 IDSI Auto 2003 for sambung bayar (my own car- not broker/agent). Need only rm10k, monthly rm705 with 3yrs+ at bank. Serious buyer pls call me at 012-6957923 Anie

  73. I am looking for Toyata Avanza 1.5 Sambung Bayar. thank you

  74. im looking for honda type r intergra dc5…if have please pm in my facebook inbox…thank you….naoto kakushi(versi baru)

  75. Wow man… i really didnt know this is what it meant… i always left the box unchecked, this shd b a big help to me here being a new expat n not having credit lines whilst second hand leasing is so darned expensive!

  76. I’m looking for myvi.pls call me anytime.direct owner pls no brokers. Call me 0193246958

  77. I’m looking for myvi.pls call me anytime.direct owner pls no brokers.

  78. Looking for fairlady

  79. I’m looking for kereta sambung bayar at kuching..anyone hv just let me know..

  80. i hv nissan teana 2011 for sambung bayar,,,pls call me 0163359591

  81. Hello, m looking for a sambung bayar car. I’m just finding a normal perodua or proton saga car in penang, kulim or butterworth area. if ter is sum1 pls inform me via my email. Thank you. dvaani_1601@yahoo.com

  82. I am looking for ‘Sambung Bayar’ for MPV or 4wheel drive area Kuala Lumpur or Selangor.

  83. mau cari kereta honda ek sambung bayar area penang,kedah dan perak

  84. looking for kereta sambung bayar,only toyota,nissan peouget,hundai ford

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