OTR = Car Cost + Service Charge (3% cash OR 8% loan) + Road Tax + Insurance + Registration Fee (RM1,500).

- OTR formula: **Car Cost + 3% (cash) or 8% (loan) service charge + Road Tax + Insurance + Registration Fee (RM1,500)**.
- Car Cost already includes overseas purchase, logistics, duties/taxes, and reconditioning where applicable.
- Accessories/packages are quoted separately for transparency.
- We’ll share a written OTR breakdown with every quotation.