Sambung Bayar

By 3 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 87 Comments. Add Yours.

  1. Lyna says:
    May 9, 2013 at 11:03 am

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

    Reply
  2. Badisya says:
    May 9, 2013 at 9:41 am

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

    Reply
  3. Viknesh De King Maker says:
    May 7, 2013 at 1:29 am

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

    Reply
  4. izwan says:
    May 6, 2013 at 1:29 pm

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

    Reply
  5. sam says:
    May 5, 2013 at 9:35 pm

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

    Reply
  6. amir says:
    May 5, 2013 at 9:12 pm

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

    walidamir2020@gmail.com

    Reply
  7. nurul says:
    May 2, 2013 at 2:54 pm

    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

    Reply
  8. alaisyah says:
    April 28, 2013 at 4:02 pm

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

    Reply
  9. rommie pog says:
    April 26, 2013 at 2:05 pm

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

    Reply
  10. azmi says:
    April 8, 2013 at 8:30 pm

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

    Reply
  11. ieyla says:
    April 6, 2013 at 4:24 pm

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

    Reply
  12. shahrul says:
    April 5, 2013 at 2:09 pm

    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

    Reply
  13. limseakthink says:
    April 3, 2013 at 2:39 pm

    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

    Reply
  14. kartik says:
    March 13, 2013 at 4:47 pm

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

    Reply
  15. erwin says:
    March 10, 2013 at 3:14 pm

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

    Reply
  16. erwin says:
    March 10, 2013 at 3:10 pm

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

    Reply
  17. erwin says:
    March 10, 2013 at 3:07 pm

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

    Reply
  18. Muhammad Shahzad says:
    March 3, 2013 at 2:36 pm

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

    Reply
  19. liza says:
    February 20, 2013 at 2:48 pm

    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

    Reply
  20. Awang says:
    February 9, 2013 at 2:09 pm

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

    Reply
  21. raj says:
    February 8, 2013 at 3:11 am

    I have perdana v6….

    Reply
  22. FIRD says:
    February 3, 2013 at 8:28 am

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

    Reply
  23. boboy says:
    January 25, 2013 at 4:09 pm

    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..

    Reply
  24. boboy says:
    January 25, 2013 at 4:05 pm

    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

    Reply
  25. muz says:
    January 24, 2013 at 12:09 am

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

    Reply
  26. muz says:
    January 24, 2013 at 12:07 am

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

    Reply
  27. sree says:
    January 22, 2013 at 6:28 pm

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

    Reply
  28. Abdullah says:
    January 19, 2013 at 3:53 pm

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

    Reply
  29. ilario says:
    January 7, 2013 at 2:37 pm

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

    Reply
  30. sham says:
    January 5, 2013 at 10:11 am

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

    Reply
  31. ejoy says:
    January 2, 2013 at 12:10 pm

    Hi ALL,

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

    Reply
  32. jmyasmara says:
    December 23, 2012 at 12:15 am

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

    Reply
  33. zalina says:
    December 18, 2012 at 10:38 pm

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

    Reply
  34. zack says:
    December 12, 2012 at 5:18 pm

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

    Reply
  35. Anie Husaini says:
    November 28, 2012 at 1:21 pm

    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

    Reply
  36. Peter says:
    November 25, 2012 at 9:57 pm

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

    Reply
  37. naoto kakushi says:
    November 21, 2012 at 5:09 am

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

    Reply
  38. Ali Imran says:
    November 4, 2012 at 11:07 am

    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!

    Reply
  39. Ilhammekhael says:
    October 26, 2012 at 11:09 pm

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

    Reply
  40. Ilhammekhael says:
    October 26, 2012 at 11:08 pm

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

    Reply
  41. Yani says:
    October 24, 2012 at 9:49 pm

    Looking for fairlady

    Reply
  42. isman says:
    October 19, 2012 at 4:08 pm

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

    Reply
  43. logan says:
    October 12, 2012 at 8:57 pm

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

    Reply
  44. Devaani says:
    September 19, 2012 at 1:05 pm

    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

    Reply
  45. Dave Nathan says:
    September 7, 2012 at 8:57 pm

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

    Reply
  46. key says:
    September 4, 2012 at 10:58 pm

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

    Reply
  47. raj says:
    June 19, 2012 at 7:57 pm

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

    Reply