10 Facts About Owning a Car in S’pore That Might Demoralise Aspiring Car Owners [Video]

Last Updated on 2019-04-25 , 8:55 pm

Transcript of Video:

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Ehhh bro, I just got married!
欸 兄弟，我刚结婚！

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Waa, congrats congrats!
哇 恭喜恭喜！

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Eh wait, I thought you no girlfriend?
等下，你不是没有女朋友吗？

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Aiya you don’t CB la
你不要乱讲啦

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Her name is Michelle
她的名字叫米雪

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She’s superrrr smooth and super white I tell you
我跟你说，她非常滑嫩，又超级白

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And when I ram her, she’s super loud
还有，她叫得很大声

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Nice? We just ROM
漂亮吧？我们刚结婚

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Many people know that buying a car in Singapore is expensive af
大家都知道新加坡的车贵得吓死人

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You can buy two of the same car in Malaysia for the same price
用一辆车的价钱，可以在马来西亚买两台

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And you can drive it there forever instead of just 10 years
而且还可以开一辈子

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This is why Singapore guys always joke that they marry twice
新加坡男生爱开玩笑说他们结了两次婚：

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Once with their wives, and once with their car
一次是娶老婆，另一次是买车

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One, you just marry for convenience sake
一个是因为方便

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And one you marry because you really love her
另一个是真爱

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But how much do you really know about car ownership in Singapore?
但你对于在新加坡买车又有多少的认知呢？

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It’s so complicated that it seems like only car owners, other than ah sia kia
这整个东西太复杂了，应该只有车主或靠爸族

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will know how it works
才会明白

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So here are 10 facts about car ownership in Singapore simplified just for you
以下是十个已简单化的要点

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Here’s why owning a car is so complicated
买车之所以这么复杂

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It’s not like buying this T-shirt, where you can pay just based on the price there
是因为它不像买件衣服这么简单，根据标价付钱

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You see, there are many fees involved when you buy a car and it’s not just COE
买车的时候有很多隐藏的费用，而且不止拥车证

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Let’s just use this car, a Toyota Camry, as an example
我们就拿这台Toyota Camry 为例子

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First, we have the OMV, which is known as the Open Market Value
第一，我们有OMV, 也就是公开市场价值

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This is how much it costs for a dealer to buy a car over to Singapore
这就是把车引进新加坡的价钱

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Think of it as the cost price of the car la
就当作是车本身的价钱

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Now, for this car, based on a list in One Motoring website, it costs about $30,000
根据网路上的标价，这台车大概值$30k

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Then there’s the GST
接下来，我们还要算税

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We all know what that is la, so for this car it’s about $8,700
这台车的税大概是$8.7k

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Then there’s the normal registration fee of $140
普通注册费用是$140

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And there’s the additional tax known as ARF, or the Additional Registration Fee
接下来还有ARF，也就是额外的注册费用

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Think of it as an additional fee la, and it’s a certain percentage of the OMV
它是OMV的一部分价钱

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For this car, it’s roughly about $35,000
这台车的ARF大概是$35k

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Yes, that fee is more expensive than the cost price of this car, no kidding sia
对，这个费用比这台车还贵，没在跟你开玩笑

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Next we have the VES
接下来还有VES

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but that one is quite new la, so we won’t confuse you with that yet
这个比较新，我们就不把你弄乱了

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But anyway, for this car there’s an extra $10,000
总而言之，这台车会需要额外的$10k

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And finally, there’s the COE
最后，拥车证

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Now, based on the COE of $45,000
那是另外的$45k

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The total cost price of this car is at about $129,000
所以这台车的总价值是$129k

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And according to the same list, the selling price of this car is $153,000
根据刚才那网站，这台车可以卖$153k

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Because the dealer need to make money mah
因为代理商也需要赚钱嘛

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So a car that costs only $30,000 to import in
所以一台只许$30k进口的车因为这些纸张

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has now ballooned to over $150,000 because of so many papers
涨到超过$150k

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So, this car isn’t expensive
所以，贵的不是车

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These are the expensive ones
而是这些

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When you go to any website, you’ll see that
只要上网一查，你就会发现

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dealers just like to sell you with this – monthly instalment
代理商很喜欢用这个词：分期付款

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But any car owner will tell you that that’s just the fraction of a car
但任何一个车主都会跟你说这只是买车的一部分

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Firstly, you’ll need insurance which can be up to $3000 a year if you’re young
首先，你需要保险，如果你还年轻，每年可高达$3k

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Which means it’s about $250 a month
所以每个月就大概$250

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Then there’s the petrol cost which is about $200 to $400 a month
再来是油费，每个月大概$200至$400

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Then there is season parking which can be up to $110 a month
还有停车费用，

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if you live in a new HDB
如果住在新的组屋区每个月可高达$110

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Your office might charge you another $100 a month
你的公司也可以跟你收每个月$100的费用

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and outside hourly parking might add up to $100 as well
而且在外面停车也可以轻易高达$100

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You’ll also need to maintain and service your vehicle
还要把车送去保养

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which can come up to a few hundred dollars every six months
每半年就几百

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which is about $100 a month
一个月也有$100

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And we haven’t even factored in ERP, car washes, summons, etc
而且我们都还没算ERP，洗车费，罚单等等

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In total, that’s more than $1,000 a month
加起来，每个月又需要多付$1k

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Still think that owning a car is just about monthly instalments?
你还认为买车就只有分期付款吗?

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In Singapore, every car has to be insured
在我国，每台车都必须有保险

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and it’s the law you know, it’s not something optional
这是根据法律规定，无法选择

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There are many insurance available, but most will get the comprehensive ones
保险的种类有很多，但大多数的车主都会选综合性的

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Which cover you even if you’re at fault
就算你有错在身，依然可以被保

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Now let’s say an incident happened and it’s not your fault
如果说意外发生了，但不是你的错

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You won’t need to pay anything
那你就什么都不用付

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But if it’s your fault, then you have to pay an amount which is called excess
但如果是你造成的，那你就需要根据保险的类别付

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which is determined by your insurance
保险自付额

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It can be $500 to even $3000
这个数目可从$500高达$3k

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Once you have paid your excess, the repair cost, no matter how high
付了这个金额后，无论再高的修理费

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will be borne by your insurance company
保险公司都会帮你承担

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This is why you’re always encouraged to have a camera in your car
这就是为什么人人都鼓励要安装车内摄像机

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This is to protect you if someone did something wrong to your car
如果有人对你的车动手，又没有证人的时候

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and there’s no witnesses
这就会至关重要

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Now, since we’re on the topic of insurance, let’s talk prices
既然都聊到保险了，那我们就来谈价钱

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For some people the insurance premium can be pretty crazy
对一些人来说，保险费可因为

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and it’s because of these factors
以下的一些因素贵得要命：

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Number one, they’re young
他们年轻

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Number two, they just got their license
他们刚拿到驾照

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Number three, their car is powerful or a sports car
他们的车很厉害

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Number four, they were involved in at-fault accidents before
他们有造成意外发生的记录

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In some cases, the premium can balloon up to $5000 – $6000 for a Japanese car
有些时候，一台日本车的保险费可高达$5k至$6k

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But on the other hand, if you’re old, experienced, safe and drive a normal car
但如果你年纪不轻，有经验，有良好的驾驶记录，又开普通车

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Your insurance could just be in the hundreds
那你的保险费可能就只有几百

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Because every year, you can get an additional 10% discount on your premium
只要在一年之内你不需要任何的保险索赔

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If you didn’t have a claim
那你下一年的保险费可享受9折优惠

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And it’s up to a total of 50%
而且这些折扣可高达保险费的一半

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In other words, it’s very hard to determine the cost of your insurance
换句话说，要算保险的费用其实有点难

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All you need to know is that the older and safer you are, the cheaper it will be
你只需要知道，只要你年纪越大又开得安全，费用就会越便宜

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Now, let’s talk about something that has confused many people should we? COE.
我们现在来说一下许多人都觉得很复杂的拥车证

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Let’s use an example
我们用这个来做比例

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After you buy this shirt,
买了这件衣服后，

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you can’t wear it and walk on the streets until you buy a license to do so
如果没有执照，你就不可以穿它出门

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So you need to pay for a license that lets you wear it for say, 10 times
你需要买个可以让你穿十次的执照

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To buy that license you have to bid for it online
要买到这个执照，你必须上网投标

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Yeah, literally bidding
对，是真的投标

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But only 20 people can make the bid
但每次就只有20个人可以投到

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So if you’re one of the 20 people who bid the highest, you’ll get this license
如果你是投得最高的前20名，那你就可以拿到这个执照了

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Same goes for COE
拥车证也一样

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The number of COE available for bidding
注销汽车的数量会

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will depend on the number of cars deregistered
决定拥车证的数额

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So if you or your dealer managed to bid for it
如果你，或者代理商，成功的标到了

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you’re entitled to drive the car for 10 years
那你就有资格驾驶十年

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If not, you can’t technically let the car on the road at all
不然，你就完全不可以在路上开那台车

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In the latest bidding, a small car COE is $42,000
在最近的竞标活动，小型汽车的拥车证价钱是$42k

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Yeah, that means each year you spend $4,200 for the rights to be on the road
所以每年你得花$4.2k才可以在路上开车

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This is one of the most difficult things to understand
这是其中一个最难懂的概念

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What happens if your COE expires?
拥车证过期了怎么办？

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The simple answer is this: You can either scrap your car and get back some money
答案很简单：要么报废然后赚点钱

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or you can extend the COE
要么延长你的拥车证

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If you scrap your car, you’ll get back what is known as the PARF value
如果报废，你就会拿到PARF

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It’s a percentage of the ARF that you have paid
这是你的ARF 的一部分

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Remember ARF? It’s the additional fee that costs more than your car
就像刚刚聊到的，ARF就是比你的车还贵的额外注册费用

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Depending on when you scrap your car, the amount you’ll get back is different
根据你报废的时间，能拿回的价钱也会不一样

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If it’s after 10 years, you’ll get back 50% of the ARF
如果是十年后，你只能拿回一半

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So let’s say your ARF is $34,931
如果你的ARF 是$34,391

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You’ll get back $17,465.50
那你就能拿回 $17,465.50

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And you’ll also get some cash in return for the car body
你也能拿回车子本身的价钱

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But that’s very low la, like a few hundreds only
但可能也才几百

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Now if you scrap before 10 years, you’ll get more of the ARF and COE rebate
如果在十年之前报废，那你就能拿到更多的ARF和拥车证的回扣

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For example, if you scrap at the eighth year, you’ll get 55% instead of 50% of the ARF
比如说，如果你在第八年的时候报废，那你就能拿回ARF的55%而不是50%

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In other words, if you deregister your car earlier, you’ll get more money back
换句话说，如果早点注销，就能拿回更多钱

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Anyway, if you deregister before you use up your 10 year COE
如果在十年内注销

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You’ll also get back a certain amount based on how many years it’s left with
你也可以根据年份拿到一些回扣

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For example, if your COE is $10 and you scrap your car in the 9th year
比如说，如果你的拥车证是$10, 在第九年的时候报废

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you will get back $1
你就能拿回$1

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Of course, if your COE is $10 you better wake up from your dream
当然啦，如果你的拥车证是$10,

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Because where got COE $10 one?
那你最好赶快从梦中醒来

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So what if you decided to extend your COE, maybe 5 or 10 more years?
那如果你决定延长个5或10年呢？

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Well if you extend your COE by 5 years, you can no longer extend it
如果延长5年，你就再也不能延长了

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But if you extend it by 10 years, you can continue to extend it
但如果延长10年，你还能继续延长

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But here’s the thing, the moment you extend your COE
但如果延长了拥车证，

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you can no longer get back any ARF
你就拿不回ARF

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Yes, not even a single cent
一分钱都不能

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Now you know why people would rather scrap their car and buy a new one, right?
现在你知道为什么大家都宁愿报废买新车吧？

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Do you fasten your seatbelt when you’re sitting at the back of the car?
你坐在后座的时候会系上安全带吗？

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No? Then you’re not just risking your life in the event you get into an accident
不吗？那你冒的不只是你的生命危险，

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but you’re risking the driver’s driving record as well
还有司机的记录

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You see, when a car is caught with passengers that didn’t wear the seatbelt
当乘客不系上安全带被抓到时，司机会被记过

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It’s the driver who gets the demerit point
因为司机需要为了乘客的行为负责人

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Because you know la, the driver is responsible for the passenger’s behaviour
因为司机需要为了乘客的行为负责人

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So next time when you’re riding Uber or Grab, help the driver la, put on the seatbelt
下次你坐Uber还是Grab的时候，请记得系上安全带

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For your safety as well as the driver’s rice bowl
这是为了你的安全按还有司机的饭碗考量

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In the past, you always see this kind of advertisement
以前，你可能时常碰到这样的广告

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Now, you can’t
现在这是不可能的了

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In an effort to prevent people from falling into an endless debt
为了防止人们陷入无限的债，

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you can now only borrow up to 70% of the purchase price
你只可以拿高达70%的贷款

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And the maximum loan period is 7 years instead of 10 years
而且期限也从10年变7年

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Lets say this car is $100
比如说，这台车价值$100

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You can borrow $70 up to 7 years and you have to pay a downpayment of $30
你只可以借$70，并且在7年内还清，再加上要先付$30的头期款

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And given that a car usually costs around $100,000
一辆车大概是$100k,

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be prepared to pay $30,000 cash to get a new car
所以准备好付$30k

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Now, how about second-hand cars?
那二手车呢？

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The same rules apply
一样的规矩

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In other words, unless you have tens of thousands of dollars on hand
换句话说，如果手头上没有个几万块，

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You can forget about getting a new car
就别想买车了

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Nowadays a new Toyota car could theoretically be more expensive
至今，一台全新的Toyota 可能比一台

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than a 9-year-old BMW
开了9年的BMW 还要贵

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Reason being, the COE back then is so much cheaper
那时候的拥车证可便宜了

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In other words, it’s true that the prices of cars is very dependant on when you buy it
换句话说，买车的时间能大大得影响价钱

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Now, when COE prices are very high
现在的拥车证这么贵，

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the cost of new cars and secondhand cars are very expensive
新车跟二手车也都贵

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If the COE prices are low next month
如果下个月的拥车证更便宜，

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the cost of new cars and secondhand cars will be so much cheaper
那无论是新车还是二手的都会更便宜

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In other words, timing is very important
也就是说时间是关键

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One of my colleagues knows a person who made money by
我有个同事认识一个靠这个策略进行买卖的朋友，

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buying a car when the COE is very low, and selling it when the COE is high
赚了不少钱

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But of course la, for most of us it’s always the opposite
当然了，这不像我们，常常搞乱顺序

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For many of us, getting a car provides us with convenience
对我们大多数的人来说，买车是为了方便，

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But let’s face it, with private hire cars everywhere nowadays
但现在的私家车

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it’s more convenient to take them
这么常见又方便

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So getting a car is more for a status symbol than convenience
除非你有孩子和父母要接送，

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Unless you got kids or parents to ferry around la
现在买车的目的大多是拿来炫富

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So now that you know more about getting a car in Singapore
现在你了解更多了，

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Do you feel like giving up your car dream now?
你会放弃买车的梦想吗？

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Or are you more determined to get your dream car?
还是说，你更想坚持你的梦想？