Stereng is researched and maintained by an in-house editorial team, not a single named byline. Every page covers Malaysian car finance (hire purchase, conventional and Islamic), JPJ road tax and licensing, fuel consumption, and total cost of ownership across the full market — Perodua, Proton, the major Japanese, Korean, Chinese and European brands, and the luxury segment.
How we research
Every figure on Stereng comes from a primary source, not aggregated repackaging:
| Topic | Primary source |
|---|---|
| Car loan rates | Bank rate cards (Affin, Maybank, Public Bank, Hong Leong, CIMB, RHB), Bank Negara Malaysia OPR signals |
| Hire purchase rules | Hire Purchase Act 1967, BNM Debt Service Ratio guidelines |
| Road tax | JPJ progressive tariff tables, Road Transport Act 1987, MyJPJ schedule |
| OTR pricing | Manufacturer dealer lists (Bermaz, Sime Darby Motors, UMW Toyota, Honda Malaysia, Perodua, Proton) |
| EV incentives | National Automotive Policy, Ministry of Finance budget announcements |
| Insurance premiums | PIAM tariff schedule, Etiqa / Allianz / Tokio Marine quote samples |
Road-tax and fuel-cost figures are computed by our own calculators from the official JPJ schedule and the weekly (APM) fuel price, so the number shown is derived, not copied. Every page carries a last verified date. When a bank changes its rate card, when JPJ updates a road-tax bracket, or when a model's OTR shifts after a budget announcement, the affected pages are re-verified.
Independence — what we do not do
Stereng has no commercial relationship with car dealers, banks, or insurance providers. We do not accept press cars, sponsored test drives, or referral commissions, and we do not run affiliate links to bank applications or dealer enquiry forms.
Corrections
Spotted an outdated rate, a JPJ bracket that has changed, or a price that is wrong on a brand page? Send the correction with a link to the source via the contact page and the editorial team will re-verify the affected pages.