{"id":55861,"date":"2023-03-27T10:00:14","date_gmt":"2023-03-27T02:00:14","guid":{"rendered":"http:\/\/wordpress-my-161844363.ap-southeast-1.elb.amazonaws.com\/articles\/?p=55861"},"modified":"2023-06-01T18:34:53","modified_gmt":"2023-06-01T10:34:53","slug":"buy-car-recession","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/buy-car-recession","title":{"rendered":"Should You Buy A Car In A Recession? Here Are Tips To Help You Decide On The Right Car"},"content":{"rendered":"
The economic situation in our country has a lot of us talking about what will happen \u2013 is a recession coming to Malaysia, or is it already here? Either way, many of us are feeling the pinch with rising costs of living and goods shortages, among other things.<\/p>\n
While a recession often means that we have to tie our purse strings and focus on our needs instead of wants, you might still find yourself needing to spend on big-ticket items such as a car. So let\u2019s look at what a recession means for us and how to buy a car in Malaysia during a\u00a0recession.<\/p>\n
First, let\u2019s get this out of the way \u2013 predicting a country\u2019s economic growth requires experts to analyze various factors including our GDP (gross domestic product) growth, interest rates, the housing market, and also international factors that affect trade. And even then, accurately predicting it in advance is still challenging. That\u2019s why the forecast of when a recession will hit ranges widely among economists.<\/p>\n
When we talk about a recession in Malaysia, many experts agree that we\u2019re unlikely to enter a real recession. This is due to the fact that Malaysia\u2019s GDP growth is significantly\u00a0contributed by the services and manufacturing<\/a>\u00a0sectors which are both more domestically oriented.<\/p>\n The services sector constitutes the bulk of our economy and can buffer against turbulence in the global markets. Manufacturing, on the other hand, contributed to 24.3 percent of the GDP in 2020 making it a sector that\u2019s vital as a buffer and in helping the economy recover.<\/p>\n While the forecasts of if and when a recession will happen are mixed, many agree that we\u2019ll see an economic slowdown due to global geopolitical affairs (in Ukraine, just to name one), supply chain and labor issues, and a general global economic slowdown. What this all means is that Malaysia is more likely to experience slower economic growth or a mild recession, though it always pays to be prepared.<\/p>\n A recession is defined as a period of economic decline during which trade and industrial activity are reduced. Though it\u2019s generally identified by a fall in GDP in two successive quarters, the length of the downturn can vary and also extend beyond two quarters.<\/p>\n So what happens if a recession hits Malaysia? Here\u2019s what you can expect.<\/p>\n The simple answer is you should only spend what you can afford. Buying a car is a major financial commitment and whether you buy it in cash or with a loan, you should ensure that you have sufficient disposable income and savings to lean on in case the worst happens. After all, you wouldn\u2019t want to default on a car loan you can\u2019t afford and have the car repossessed.<\/p>\n If you don\u2019t need a new car right now or if you don\u2019t have enough disposable income and savings, it\u2019s best to put off buying a car until the economy recovers. Consider taking public transport, carpooling, or borrowing a car if you need to commute, at least until the economy picks up.<\/p>\n However, if you really require a car, choose one that you can comfortably afford. If you\u2019re wondering how to buy a car in case a recession hits Malaysia, here are some tips you can follow.<\/p>\n<\/span>What happens during a recession?<\/span><\/h2>\n
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<\/span>So, should you buy a car in a recession?<\/span><\/h2>\n
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