The fully-imported (CBU Korea) 2022 Kia Carnival is a car we think starts off Dinamikjaya Motors’ Korean-car offensive on the right foot, and it’s more than a match for people looking for a giant MPV that isn’t all agricultural nor boring inside.

In this monthly repayment guide, we’re taking the 11-seater Carnival’s (there’s only one variant here) on-the-road prices sans insurance, which starts from RM 196,340, and not factoring in additional accessories.

Also, note that the final amounts you’ll have to fork out varies on factors on your insurance (provider, plans, and NCD), and any discounts given by dealers.

Kia Carnival monthly payment in Malaysia

All calculations in this article are based on a 10% deposit (RM 19,634 in this case), and the industry average 2.7 percent interest.

A general good rule of thumb to follow is a car's cost should not take up more than 30 percent of one's monthly salary: 20 percent to instalments, and 10 percent for maintenance is a good starting point.

Also read: Review: Forget recond Alphards, the 2022 Kia Carnival is Malaysia's best sub-RM 200k large MPV

In that vein, here's the recommended net salaries needed to get one according to loan tenure:

It must be said that while long loan tenures sound reasonable, there are reasons to avoid them. How and why that's the case is explained in the article below.

Also read: If you need a 9-year loan, you can’t afford the car, and do understand Rule of 78