Stock aging & financial position

Every unit's take-in cost and age in one view — cut price and sell fast before a unit crosses the 6-month window.

+ Add a car

Capital deployed

RM 428,500

cost of purchase · 5 own unit(s)

Potential profit (net)

RM 44,536

asking − cost − financing interest − eSTM fees

Financing exposure

RM 190,000

voluntary records · ≈ RM 7,014 interest accrued

Units at risk

≥ 150 days — 6-month eSTM window

A unit unsold 6 months after STMS take-in becomes eSTM: ownership must be transferred into your own name — a transfer fee is charged, the record gains +1 owner, and the market marks the unit down (−8% here) — while financing interest keeps accruing the whole time. ezAuto flags every unit from day 150 so you can reprice and move it while it still sells clean.

Aging distribution

Healthy· < 90 days in stock · 2Aging· 90–149 days in stock · 1eSTM risk· 150–179 days — nearing the 6-month STMS window · 1eSTM· ≥ 180 days — past the 6-month window, hard to sell · 1

Vehicle	Take-in	Stock age	Cost	Financing	Holding cost	Asking	Net margin	Action
2021 Mazda CX-5 2.0 Mid LiveRecon	8 Jan 2026 AP supplier — Perkema	eSTM · 195d 15d past eSTM — transferred to own name, +1 owner	RM 98,000	RM 80,000 Bank Islam dealer financing · 180d tenure	−RM 3,699 RM 3,349 interest to pay RM 350 eSTM transfer fee	RM 105,800 market RM 94,000 · −8% eSTM markdown	RM 4,101 asking − cost − holding · 4.2% on cost
2021 Toyota Harrier 2.0 Luxury LiveRecon	16 Feb 2026 AP supplier — Perkema	eSTM risk · 156d 24d to eSTM	RM 132,000	RM 110,000 MBSB floor stocking · 180d tenure	−RM 3,665 RM 3,665 interest to pay	RM 148,800 market RM 145,014	RM 13,135 asking − cost − holding · 10.0% on cost
2022 Proton X50 1.5 TGDI Flagship Live	12 Apr 2026 AP supplier — Perkema	Aging · 101d 79d to eSTM	RM 86,000	not recorded	—	RM 96,500 market RM 98,584	RM 10,500 asking − cost · 12.2% on cost	—
2020 Honda City 1.5 V Live	18 Jun 2026 Trade-in	Healthy · 34d 146d to eSTM	RM 58,500	not recorded	—	RM 66,800 market RM 64,494	RM 8,300 asking − cost · 14.2% on cost	—
2020 Toyota Vios 1.5 G Live	6 Jul 2026 Trade-in	Healthy · 16d 164d to eSTM	RM 54,000	not recorded	—	RM 62,500 market RM 63,293	RM 8,500 asking − cost · 15.7% on cost	—

Consignment units are excluded — they are the owner's capital, not yours. Financing records are voluntary: record them to see true exposure, skip them if you prefer. Holding-cost figures are illustrative for the mockup: 8% p.a. on the financed amount, a flat RM 350 eSTM transfer fee, and a −8% eSTM market markdown — all configurable in production.