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

Transcript of Video:

1
00:00:00,240 –> 00:00:02,360
Ehhh bro, I just got married!
欸 兄弟,我刚结婚!

2
00:00:02,360 –> 00:00:03,680
Waa, congrats congrats!
哇 恭喜恭喜!

3
00:00:03,920 –> 00:00:05,880
Eh wait, I thought you no girlfriend?
等下,你不是没有女朋友吗?

4
00:00:05,880 –> 00:00:07,520
Aiya you don’t CB la
你不要乱讲啦

5
00:00:07,520 –> 00:00:09,120
Her name is Michelle
她的名字叫米雪

6
00:00:09,120 –> 00:00:13,720
She’s superrrr smooth and super white I tell you
我跟你说,她非常滑嫩,又超级白

7
00:00:13,720 –> 00:00:16,680
And when I ram her, she’s super loud
还有,她叫得很大声

8
00:00:17,360 –> 00:00:19,240
Nice? We just ROM
漂亮吧?我们刚结婚

9
00:00:20,400 –> 00:00:23,360
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

10
00:00:23,360 –> 00:00:26,120
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

11
00:00:26,120 –> 00:00:28,960
And you can drive it there forever instead of just 10 years
而且还可以开一辈子

12
00:00:28,960 –> 00:00:32,040
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:

13
00:00:32,040 –> 00:00:34,640
Once with their wives, and once with their car
一次是娶老婆,另一次是买车

14
00:00:34,640 –> 00:00:37,280
One, you just marry for convenience sake
一个是因为方便

15
00:00:37,280 –> 00:00:40,000
And one you marry because you really love her
另一个是真爱

16
00:00:40,200 –> 00:00:43,440
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?

17
00:00:43,440 –> 00:00:47,480
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

18
00:00:47,480 –> 00:00:48,480
will know how it works
才会明白

19
00:00:48,480 –> 00:00:53,400
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

20
00:00:54,120 –> 00:00:55,880
Here’s why owning a car is so complicated
买车之所以这么复杂

21
00:00:55,880 –> 00:00:59,600
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

22
00:00:59,600 –> 00:01:03,880
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

23
00:01:03,880 –> 00:01:07,160
Let’s just use this car, a Toyota Camry, as an example
我们就拿这台Toyota Camry 为例子

24
00:01:07,160 –> 00:01:10,520
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

25
00:01:10,520 –> 00:01:13,960
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

26
00:01:13,960 –> 00:01:15,640
Think of it as the cost price of the car la
就当作是车本身的价钱

27
00:01:15,640 –> 00:01:20,040
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

28
00:01:20,040 –> 00:01:21,520
Then there’s the GST
接下来,我们还要算税

29
00:01:21,520 –> 00:01:24,800
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

30
00:01:24,800 –> 00:01:28,080
Then there’s the normal registration fee of $140
普通注册费用是$140

31
00:01:28,080 –> 00:01:33,080
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

32
00:01:33,080 –> 00:01:36,880
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

33
00:01:36,880 –> 00:01:39,200
For this car, it’s roughly about $35,000
这台车的ARF大概是$35k

34
00:01:39,600 –> 00:01:43,840
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

35
00:01:43,840 –> 00:01:45,560
Next we have the VES
接下来还有VES

36
00:01:45,560 –> 00:01:48,120
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

37
00:01:48,120 –> 00:01:50,480
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

38
00:01:50,480 –> 00:01:52,080
And finally, there’s the COE
最后,拥车证

39
00:01:52,080 –> 00:01:54,720
Now, based on the COE of $45,000
那是另外的$45k

40
00:01:54,720 –> 00:01:58,280
The total cost price of this car is at about $129,000
所以这台车的总价值是$129k

41
00:01:58,280 –> 00:02:02,440
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

42
00:02:02,440 –> 00:02:04,040
Because the dealer need to make money mah
因为代理商也需要赚钱嘛

43
00:02:04,040 –> 00:02:07,120
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

44
00:02:07,120 –> 00:02:11,078
has now ballooned to over $150,000 because of so many papers
涨到超过$150k

45
00:02:11,080 –> 00:02:13,320
So, this car isn’t expensive
所以,贵的不是车

46
00:02:14,120 –> 00:02:15,120
These are the expensive ones
而是这些

47
00:02:15,480 –> 00:02:17,280
When you go to any website, you’ll see that
只要上网一查,你就会发现

48
00:02:17,280 –> 00:02:20,200
dealers just like to sell you with this – monthly instalment
代理商很喜欢用这个词:分期付款

49
00:02:20,200 –> 00:02:23,040
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

50
00:02:23,040 –> 00:02:27,080
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

51
00:02:27,080 –> 00:02:29,320
Which means it’s about $250 a month
所以每个月就大概$250

52
00:02:29,320 –> 00:02:32,920
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

53
00:02:32,920 –> 00:02:36,600
Then there is season parking which can be up to $110 a month
还有停车费用,

54
00:02:36,600 –> 00:02:38,080
if you live in a new HDB
如果住在新的组屋区每个月可高达$110

55
00:02:38,080 –> 00:02:40,520
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

56
00:02:40,520 –> 00:02:43,440
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

57
00:02:43,440 –> 00:02:45,240
You’ll also need to maintain and service your vehicle
还要把车送去保养

58
00:02:45,240 –> 00:02:47,720
which can come up to a few hundred dollars every six months
每半年就几百

59
00:02:47,720 –> 00:02:49,280
which is about $100 a month
一个月也有$100

60
00:02:49,280 –> 00:02:53,240
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

61
00:02:53,240 –> 00:02:55,760
In total, that’s more than $1,000 a month
加起来,每个月又需要多付$1k

62
00:02:55,760 –> 00:02:58,160
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?

63
00:02:59,280 –> 00:03:01,320
In Singapore, every car has to be insured
在我国,每台车都必须有保险

64
00:03:01,320 –> 00:03:03,680
and it’s the law you know, it’s not something optional
这是根据法律规定,无法选择

65
00:03:03,680 –> 00:03:07,320
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

66
00:03:07,320 –> 00:03:09,520
Which cover you even if you’re at fault
就算你有错在身,依然可以被保

67
00:03:09,520 –> 00:03:12,440
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

68
00:03:12,440 –> 00:03:13,800
You won’t need to pay anything
那你就什么都不用付

69
00:03:13,800 –> 00:03:17,840
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

70
00:03:17,840 –> 00:03:19,480
which is determined by your insurance
保险自付额

71
00:03:19,480 –> 00:03:22,080
It can be $500 to even $3000
这个数目可从$500高达$3k

72
00:03:22,080 –> 00:03:25,280
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

73
00:03:25,280 –> 00:03:27,160
will be borne by your insurance company
保险公司都会帮你承担

74
00:03:27,160 –> 00:03:30,240
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

75
00:03:30,240 –> 00:03:32,800
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

76
00:03:32,800 –> 00:03:33,960
and there’s no witnesses
这就会至关重要

77
00:03:36,640 –> 00:03:40,200
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

78
00:03:40,200 –> 00:03:43,360
For some people the insurance premium can be pretty crazy
对一些人来说,保险费可因为

79
00:03:43,360 –> 00:03:45,000
and it’s because of these factors
以下的一些因素贵得要命:

80
00:03:45,000 –> 00:03:46,240
Number one, they’re young
他们年轻

81
00:03:46,240 –> 00:03:48,000
Number two, they just got their license
他们刚拿到驾照

82
00:03:48,000 –> 00:03:50,680
Number three, their car is powerful or a sports car
他们的车很厉害

83
00:03:50,680 –> 00:03:53,800
Number four, they were involved in at-fault accidents before
他们有造成意外发生的记录

84
00:03:53,800 –> 00:03:58,040
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

85
00:03:58,040 –> 00:04:02,760
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

86
00:04:02,760 –> 00:04:04,640
Your insurance could just be in the hundreds
那你的保险费可能就只有几百

87
00:04:04,640 –> 00:04:08,560
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

88
00:04:08,560 –> 00:04:09,680
If you didn’t have a claim
那你下一年的保险费可享受9折优惠

89
00:04:09,680 –> 00:04:11,640
And it’s up to a total of 50%
而且这些折扣可高达保险费的一半

90
00:04:11,640 –> 00:04:14,800
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

91
00:04:14,800 –> 00:04:18,520
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

92
00:04:19,800 –> 00:04:24,000
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

93
00:04:24,000 –> 00:04:25,640
Let’s use an example
我们用这个来做比例

94
00:04:25,640 –> 00:04:26,760
After you buy this shirt,
买了这件衣服后,

95
00:04:26,760 –> 00:04:30,120
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

96
00:04:30,120 –> 00:04:33,400
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

97
00:04:33,400 –> 00:04:35,840
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

98
00:04:35,840 –> 00:04:37,320
Yeah, literally bidding
对,是真的投标

99
00:04:37,320 –> 00:04:39,280
But only 20 people can make the bid
但每次就只有20个人可以投到

100
00:04:39,280 –> 00:04:43,320
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

101
00:04:43,320 –> 00:04:44,600
Same goes for COE
拥车证也一样

102
00:04:44,600 –> 00:04:46,720
The number of COE available for bidding
注销汽车的数量会

103
00:04:46,720 –> 00:04:48,800
will depend on the number of cars deregistered
决定拥车证的数额

104
00:04:48,800 –> 00:04:51,600
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

105
00:04:51,600 –> 00:04:53,800
you’re entitled to drive the car for 10 years
那你就有资格驾驶十年

106
00:04:53,800 –> 00:04:56,760
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

107
00:04:56,760 –> 00:05:00,120
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

108
00:05:00,120 –> 00:05:03,760
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

109
00:05:04,560 –> 00:05:06,800
This is one of the most difficult things to understand
这是其中一个最难懂的概念

110
00:05:06,800 –> 00:05:08,720
What happens if your COE expires?
拥车证过期了怎么办?

111
00:05:08,720 –> 00:05:12,240
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

112
00:05:12,240 –> 00:05:13,600
or you can extend the COE
要么延长你的拥车证

113
00:05:13,600 –> 00:05:17,240
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

114
00:05:17,240 –> 00:05:19,360
It’s a percentage of the ARF that you have paid
这是你的ARF 的一部分

115
00:05:19,360 –> 00:05:22,920
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

116
00:05:22,920 –> 00:05:26,160
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

117
00:05:26,160 –> 00:05:29,160
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

118
00:05:29,160 –> 00:05:32,080
So let’s say your ARF is $34,931
如果你的ARF 是$34,391

119
00:05:32,080 –> 00:05:35,480
You’ll get back $17,465.50
那你就能拿回 $17,465.50

120
00:05:35,480 –> 00:05:37,920
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

121
00:05:37,920 –> 00:05:39,840
But that’s very low la, like a few hundreds only
但可能也才几百

122
00:05:39,840 –> 00:05:44,040
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

123
00:05:44,040 –> 00:05:49,320
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%

124
00:05:49,320 –> 00:05:52,800
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

125
00:05:52,800 –> 00:05:56,000
Anyway, if you deregister before you use up your 10 year COE
如果在十年内注销

126
00:05:56,000 –> 00:05:58,920
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

127
00:05:58,920 –> 00:06:02,680
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

128
00:06:02,680 –> 00:06:03,840
you will get back $1
你就能拿回$1

129
00:06:03,840 –> 00:06:06,760
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,

130
00:06:06,760 –> 00:06:08,520
Because where got COE $10 one?
那你最好赶快从梦中醒来

131
00:06:09,480 –> 00:06:13,880
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?

132
00:06:13,880 –> 00:06:17,440
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

133
00:06:17,440 –> 00:06:21,120
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

134
00:06:21,120 –> 00:06:24,000
But here’s the thing, the moment you extend your COE
但如果延长了拥车证,

135
00:06:24,000 –> 00:06:26,440
you can no longer get back any ARF
你就拿不回ARF

136
00:06:26,440 –> 00:06:28,400
Yes, not even a single cent
一分钱都不能

137
00:06:28,400 –> 00:06:31,360
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?

138
00:06:32,880 –> 00:06:35,520
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?

139
00:06:35,520 –> 00:06:39,680
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,

140
00:06:39,680 –> 00:06:42,160
but you’re risking the driver’s driving record as well
还有司机的记录

141
00:06:42,160 –> 00:06:46,040
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

142
00:06:46,040 –> 00:06:47,880
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

143
00:06:47,880 –> 00:06:51,440
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

144
00:06:51,440 –> 00:06:55,320
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

145
00:06:55,320 –> 00:06:57,680
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

146
00:06:58,440 –> 00:07:01,240
In the past, you always see this kind of advertisement
以前,你可能时常碰到这样的广告

147
00:07:01,800 –> 00:07:02,960
Now, you can’t
现在这是不可能的了

148
00:07:02,960 –> 00:07:06,200
In an effort to prevent people from falling into an endless debt
为了防止人们陷入无限的债,

149
00:07:06,200 –> 00:07:09,640
you can now only borrow up to 70% of the purchase price
你只可以拿高达70%的贷款

150
00:07:09,640 –> 00:07:13,480
And the maximum loan period is 7 years instead of 10 years
而且期限也从10年变7年

151
00:07:13,480 –> 00:07:16,080
Lets say this car is $100
比如说,这台车价值$100

152
00:07:16,080 –> 00:07:21,640
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

153
00:07:21,640 –> 00:07:24,680
And given that a car usually costs around $100,000
一辆车大概是$100k,

154
00:07:24,680 –> 00:07:28,320
be prepared to pay $30,000 cash to get a new car
所以准备好付$30k

155
00:07:28,320 –> 00:07:30,360
Now, how about second-hand cars?
那二手车呢?

156
00:07:30,360 –> 00:07:31,520
The same rules apply
一样的规矩

157
00:07:31,520 –> 00:07:34,960
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,

158
00:07:34,960 –> 00:07:36,480
You can forget about getting a new car
就别想买车了

159
00:07:36,920 –> 00:07:40,200
Nowadays a new Toyota car could theoretically be more expensive
至今,一台全新的Toyota 可能比一台

160
00:07:40,200 –> 00:07:41,840
than a 9-year-old BMW
开了9年的BMW 还要贵

161
00:07:41,840 –> 00:07:45,200
Reason being, the COE back then is so much cheaper
那时候的拥车证可便宜了

162
00:07:45,200 –> 00:07:50,440
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

163
00:07:50,440 –> 00:07:52,920
Now, when COE prices are very high
现在的拥车证这么贵,

164
00:07:52,920 –> 00:07:56,200
the cost of new cars and secondhand cars are very expensive
新车跟二手车也都贵

165
00:07:56,200 –> 00:07:58,440
If the COE prices are low next month
如果下个月的拥车证更便宜,

166
00:07:58,440 –> 00:08:01,840
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

167
00:08:01,840 –> 00:08:04,800
In other words, timing is very important
也就是说时间是关键

168
00:08:04,800 –> 00:08:07,120
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,

169
00:08:07,120 –> 00:08:11,360
buying a car when the COE is very low, and selling it when the COE is high
赚了不少钱

170
00:08:11,360 –> 00:08:13,800
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

171
00:08:14,000 –> 00:08:17,040
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,

172
00:08:17,040 –> 00:08:20,240
But let’s face it, with private hire cars everywhere nowadays
但现在的私家车

173
00:08:20,240 –> 00:08:22,000
it’s more convenient to take them
这么常见又方便

174
00:08:22,000 –> 00:08:25,560
So getting a car is more for a status symbol than convenience
除非你有孩子和父母要接送,

175
00:08:25,560 –> 00:08:28,440
Unless you got kids or parents to ferry around la
现在买车的目的大多是拿来炫富

176
00:08:28,440 –> 00:08:31,960
So now that you know more about getting a car in Singapore
现在你了解更多了,

177
00:08:31,960 –> 00:08:34,240
Do you feel like giving up your car dream now?
你会放弃买车的梦想吗?

178
00:08:34,240 –> 00:08:37,840
Or are you more determined to get your dream car?
还是说,你更想坚持你的梦想?