# Heavy Equipment Financing - 0% Down Payment Malaysia 2026 ## Banks Want Big Down Payment When you apply for heavy equipment financing at banks, they ask for 10-20% down payment. This means you need lots of cash upfront. For a RM 200,000 excavator, you need RM 20,000 to RM 40,000 down. Most contractors cannot afford this. Banks also limit financing to 90% of equipment value. They reject equipment older than 5 years. ## Ing Heng Offers 0% Down Payment We provide heavy equipment financing with zero down payment. You get 100% full loan. No age limit on equipment. Our interest rates compete with bank rates of 4.6% to 6.0% per year. ## Compare: Banks vs Ing Heng | Feature | Banks | Ing Heng Credit | |---------|-------|-----------------| | Down Payment | 10-20% | 0% | | Loan Amount | 90% | 100% | | Max Equipment Age | 5 years | No limit | | Interest Rate | 4.6% - 6.0% | Competitive | ## Real Savings Example Heavy Equipment: RM 200,000 Excavator **Bank Financing:** - Down payment: RM 20,000 - RM 40,000 - Loan: RM 180,000 maximum - Equipment age: Under 5 years only **Ing Heng Financing:** - Down payment: RM 0 - Loan: RM 200,000 (100%) - Equipment age: Any age You save RM 20,000 to RM 40,000 cash with Ing Heng. ## Equipment We Finance - Excavators (all sizes) - Bulldozers - Cranes - Forklifts - Lorries - Prime movers Prices starting from: - Used forklift: RM 15,000 - Used Komatsu: RM 34,000 - Used CAT: RM 50,000 - New premium: RM 200,000 - 500,000+ ## Why 0% Down Payment Matters In 2026, cash flow is crucial for contractors. With 0% down payment, you can: - Start projects immediately - Keep cash for operations - Buy more equipment - Grow your business faster ## Fast Approval Process Apply for heavy equipment financing today. We approve faster than banks. **Contact Us Now:** **WhatsApp:** +60175700889 **Website:** inghengcredit.com **Email:** info@inghengcredit.com Get heavy equipment financing with 0% down payment in 2026.