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Buying used car in Dubai

Buying used car in Dubai

Old Sep 6th 2015, 5:47 pm
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Default Buying used car in Dubai

(Bit tired of all the thrashing threads on migrants).

I'm starting to look at cars to buy. The last time I lived in Dubai I bought new, in cash. This time around I don't fancy getting something brand new so I'm looking at used (60,000 AED, 3-4 years old). I haven't decided whether to wait a few more months and pay in cash or take out a small amount of financing (approximately 50% of car value). I'm aware of interest rates but I don't mind paying a small amount of interest over two years rather than emptying out my bank account or transferring money from overseas. I'm going to have to pay rent in December, there's some travelling coming up and I'm not scaling back my end of year savings objective.

If I see a car I like and it has financing on it, and I want to take out a car loan, how complicated is it really? Does it make a difference if the car is in Dubai and I have an AD visa and need to register the car in AD?

I'm aware that the bank will require some kind of vehicle check/statement from the original dealership to approve of the car loan (which would be Al Futtaim for the car I just looked at, bought from Al Futtaim and all servicing were done at Al Futtaim, although the owner is the second owner).

Is that vehicle check reliable enough or am I better off also taking the car to a private specialist garage for a thorough check up too? In other words, how much should one trust Al Futtaim to certify that the car is in good shape?

How long does the whole process actually take?

I could take out a personal loan but the bank says the approval process is longer and requires a visit to my office to verify I actually work there! Plus interest is a bit higher. Seems annoying. But you get full ownership of the car, whereas with the car loan the bank still owns the car.

Anyone been through the process of buying used with a car loan (and exporting to Abu Dhabi for registration) that can shine some light on the whole process?
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Old Sep 7th 2015, 5:27 am
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Default Re: Buying used car in Dubai

I sold a car to a guy who was buying on finance. Never again. What a process.

We agree the price - we then go to the bank to fill out forms, then off to a garage for bank-valuation, then back to the bank for signing the mortgage, then to the RTA - where I hand over the car -- then back to the bank for me to get the money. Whole thing took 3 weeks and lots of phaffing.

If you are buying second hand on finance stick to a dealer where they will do all the grunt work. Otherwise take out a personal loan so you can pay cash to the private seller. I would imagine most private sellers would refuse to sell to someone getting a loan.
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Old Sep 8th 2015, 6:55 am
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Default Re: Buying used car in Dubai

agree about taking a personal loan. Also make sure you check the car's details with the original main dealer. A colleague bought an Audi A1 that had been clocked and an insurance write off. Criminal proceedings are being taken against the dealer.
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Old Sep 8th 2015, 8:41 am
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Default Re: Buying used car in Dubai

Originally Posted by Inselaffen View Post
agree about taking a personal loan. Also make sure you check the car's details with the original main dealer. A colleague bought an Audi A1 that had been clocked and an insurance write off. Criminal proceedings are being taken against the dealer.
Al Aweer?

I would always get cars checked out by an independent party regardless if you are buying from a dealer or a private person in Dubai.
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Old Sep 8th 2015, 8:53 am
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Default Re: Buying used car in Dubai

I'm going through the personal loan application at the moment.

Will certainly take the car to be checked by an independent dealer and I have the names of a few reputable garages in mind.

By the way, is there a pronounced benefit to having the car checked by an independent dealer as opposed to the main dealer (Al Futtaim, Naboodah and so on)? I dare say that the main dealers might deliberately underreport the car's status in homes of keeping you a busy customer
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Old Sep 8th 2015, 9:53 am
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Default Re: Buying used car in Dubai

Originally Posted by DXBtoDOH View Post
I'm going through the personal loan application at the moment.

Will certainly take the car to be checked by an independent dealer and I have the names of a few reputable garages in mind.

By the way, is there a pronounced benefit to having the car checked by an independent dealer as opposed to the main dealer (Al Futtaim, Naboodah and so on)? I dare say that the main dealers might deliberately underreport the car's status in homes of keeping you a busy customer
Not really, but I trust main dealers a lot less than some of the independent garages. Also if it is more than 3 years old they may not even want to touch it. Funny I know, but that's Dubbers for you.
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Old Sep 8th 2015, 5:28 pm
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Default Re: Buying used car in Dubai

Personal loan from Hsbc in the account in 26 hours. Met the loan lady in costa coffee so absolutely no dramas
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Old Sep 8th 2015, 6:34 pm
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Default Re: Buying used car in Dubai

most banks will not give a car loan if the car is more than 4/5 years old.

what kinda car you getting for AED 60K - must be a tin pot?
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Old Sep 9th 2015, 7:57 am
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Default Re: Buying used car in Dubai

Originally Posted by mission View Post
most banks will not give a car loan if the car is more than 4/5 years old.

what kinda car you getting for AED 60K - must be a tin pot?
Actually they will, but you will be offered a shorter term.
60K will get you a brand spanking new Renault Duster (with a whole pocket full of change) or a Toyota Corolla with enough for a coffee at the ENOC on the way home from the dealership...

Used you could get all sorts of wheels for 60K actually.
Probably not the most desirable brands though..
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Old Sep 9th 2015, 11:36 am
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Default Re: Buying used car in Dubai

If you have a budget of 50-60K and want a three-four year old car, these are your options:

Pajero, Fortuner, Pathfinder, Accord, CRV.... all the midrange Japanese cars. Decent mileage and in excellent condition and will last you a long time reliably.

If you're willing to take a bit of risk you can even get Volkswagens and Volvos and the lower grade BMWs. 3-4 years old too with decent mileage as well.

Originally Posted by mission View Post
most banks will not give a car loan if the car is more than 4/5 years old.

what kinda car you getting for AED 60K - must be a tin pot?
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Old Sep 10th 2015, 10:09 am
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Default Re: Buying used car in Dubai

Originally Posted by DXBtoDOH View Post
If you have a budget of 50-60K and want a three-four year old car, these are your options:

Pajero, Fortuner, Pathfinder, Accord, CRV.... all the midrange Japanese cars. Decent mileage and in excellent condition and will last you a long time reliably.

If you're willing to take a bit of risk you can even get Volkswagens and Volvos and the lower grade BMWs. 3-4 years old too with decent mileage as well.
Up it to 80k and you'll get a half decent range rover too.
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Old Sep 10th 2015, 10:56 am
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Default Re: Buying used car in Dubai

I'm more a Land Rover person if I was ever going to get one.

I like them but I'm too practical, really. And I need something that handles the AD commute reliably.

As it is I'm looking closely at Volvos. Namely the xc60s.

Originally Posted by Scamp View Post
Up it to 80k and you'll get a half decent range rover too.
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Old Sep 10th 2015, 11:22 am
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Default Re: Buying used car in Dubai

Originally Posted by DXBtoDOH View Post
I'm more a Land Rover person if I was ever going to get one.

I like them but I'm too practical, really. And I need something that handles the AD commute reliably.

As it is I'm looking closely at Volvos. Namely the xc60s.
I like the LR2 a lot. Trying to pick between that, a Range Rover and an Armada at the moment. First two I'd have for a year and bin off before spending too much, latter should be OK for longer term.

My Mrs has an older XC90. It's cost a bit (brakes etc rather than anything major mechanically), it's quite as shit and comfortable. It's got a few rattles and has moments of idiocy not starting but fundamentally, it just keeps going and going and going. Smells a bit though.
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Old Sep 10th 2015, 11:30 am
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Default Re: Buying used car in Dubai

My plan is to get a 3-4 year old xc60 and only keep it for 3-4 years.

I have enough experience to know that Volvos are very reliable up till about eight years old and that's when repairs start mounting up. But once they have all the repairs they can run reliably for another 3-4 years without too many problems. Of course you'd spend enough on the repairs that you might as well dump it and get a new car.

Judging from Dubizzle, used Volvos are brilliant buys in Dubai. They're low enough that even factoring in the higher servicing and odd repairs you still come out ahead.

Originally Posted by Scamp View Post
I like the LR2 a lot. Trying to pick between that, a Range Rover and an Armada at the moment. First two I'd have for a year and bin off before spending too much, latter should be OK for longer term.

My Mrs has an older XC90. It's cost a bit (brakes etc rather than anything major mechanically), it's quite as shit and comfortable. It's got a few rattles and has moments of idiocy not starting but fundamentally, it just keeps going and going and going. Smells a bit though.
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Old Sep 10th 2015, 11:35 am
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Default Re: Buying used car in Dubai

Originally Posted by DXBtoDOH View Post
My plan is to get a 3-4 year old xc60 and only keep it for 3-4 years.

I have enough experience to know that Volvos are very reliable up till about eight years old and that's when repairs start mounting up. But once they have all the repairs they can run reliably for another 3-4 years without too many problems. Of course you'd spend enough on the repairs that you might as well dump it and get a new car.

Judging from Dubizzle, used Volvos are brilliant buys in Dubai. They're low enough that even factoring in the higher servicing and odd repairs you still come out ahead.
Yup, they're quite rare so hold some value too, people seem to want one specifically rather than pick one randomly.

Max Garage just serviced the mrs' one and did a great job. A2B previously did a decent job of tearing through Volvo's list of requirements which was topping 13k. They said 4k of it needed doing, rest was pointless (ish) and they did it for 2.5k. Only reason we didn't go back is they took quite a while to do it and we had to chase. OTherwise i'd recommend them highly as well.
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