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Want to buy a 2021 Isuzu D-Max? Here’s the minimum salary required

Eric · Apr 19, 2021 03:54 PM

Want to buy a 2021 Isuzu D-Max? Here’s the minimum salary required 01

Just recently, Isuzu Malaysia launched the all-new 2021 Isuzu D-Max. Prices start from RM 89k for the single cab variants, while double cab variants are priced from RM 100k.

Want to buy a 2021 Isuzu D-Max? Here’s the minimum salary required 02

The range-topping X-Terrain variant is priced at RM 142k.

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Question is, what’s the minimum salary you need before you can apply for a loan?

How much do I need to make?

Want to buy a 2021 Isuzu D-Max? Here’s the minimum salary required 01

For the purpose of this article, we will be focusing on Premium variants of the all-new D-Max, including the 1.9 Premium, 3.0 Premium, and 3.0 X-Terrain.

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For the D-Max 1.9 Premium, this variant is priced at RM 121,549. As such, the monthly repayment for this variant is roughly RM 1,220 per month, factoring in a 2.27-percent interest rate with a 9-year loan.

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Based on the recommended guideline that you should not be paying more than 20% of your monthly salary on the car's monthly repayment, that's a minimum net salary of around RM 6,100 a month.

Want to buy a 2021 Isuzu D-Max? Here’s the minimum salary required 04

As for the D-Max 3.0 Premium, the monthly repayment is roughly RM 1,280 per month and you’ll need a net salary of around RM 6,400 a month.

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Last but certainly not the least is the D-Max 3.0 X-Terrain. Retailing at RM 141,938, you’ll need to ensure that you have a net salary of around RM 7,200 to afford the monthly repayment, which comes in at around RM 1,420.

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With the cost of insurance, maintenance, tyres, and other associated running costs factored in, your car-related expenses should not exceed 30 percent of your monthly salary.

Want to buy a 2021 Isuzu D-Max? Here’s the minimum salary required 01

Below are the monthly installments for the all-new 2021 Isuzu D-Max for 5-, 7-, and 9-year tenures. These rates have already factored in an interest rate of 2.27%.

5-year monthly installment
Variant Price (RM) Monthly payment (RM)
1.9 Premium 121,549 2,030
3.0 Premium 128,038 2,140
3.0 X-Terrain 141,938 2,370
7-year monthly installment
Variant Price (RM) Monthly payment (RM)
1.9 Premium 121,549 1,500
3.0 Premium 128,038 1,590
3.0 X-Terrain 141,938 1,760
9-year monthly installment
Variant Price (RM) Monthly payment (RM)
1.9 Premium 121,549 1,220
3.0 Premium 128,038 1,280
3.0 X-Terrain 141,938 1,420

The shorter 5-year loan tenure is a wiser choice. That being said, interest rates are always changing. Given our current situation, interest rates are very low but do check with your respective banks for the latest rates.

What about other trucks?

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Here’s a brief payment comparison comparing the monthly repayment between the D-Max, Toyota Hilux, Nissan Navara, Ford Ranger, and Mitsubishi Triton.

Payment comparison
Model Price (RM) Monthly repayment (RM)
Isuzu D-Max 3.0 X-Terrain 141,938 1,420
Mitsubishi Triton Athlete 141,500 1,420
Ford Ranger Wildtrak 152,388 1,530
Nissan Navara Pro-4X 142,200 1,430
Toyota Hilux Rogue 146,880 1,470

Want to buy a 2021 Isuzu D-Max? Here’s the minimum salary required 03

 

Eric

Editor

Started from the IT industry but somehow managed to find his way into the automotive industry. If he’s not gaming, he’s constantly tinkering with his daily/weekend car.

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