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Author: admin | Category: Auto Car Loan Calculator | Date: 18.07.2016

Auto financing, also known as car finance, car financing or auto finance, refers to the range of financial products available that allow people to acquire a car with any arrangement other than a full-cash single lump payment (outright payment). The provision of car finance, usually by a bank or some kind of financial institution, allows consumers to pay the dealer or manufacturer, even though they not have the money, i.e. In direct lending, the purchaser gets a loan directly from the lender, which is usually a bank, finance company or a credit union. Once the customer enters into a contract with a dealership to purchase a car, he or she uses the loan from the direct lender to pay for it.
The FTC advises consumers to shop around and ask several lenders directly about their credit terms before agreeing to purchase a specific automobile.
Be careful with lenders who claim to offer great deals for people with a bad credit rating. Some dealers may retain the contract, however, the vast majority of them sell the contract to a finance company, credit union or bank (assignee) – who service the account and collect the repayment installments.
Special Programs: dealers often offer manufacturer-sponsored programs to buyers with low-rates of interest and other attractive features. Hire Purchase is a method of buying a car on finance and is paid in regular installments which are spread over 12 to 60 months. Hire purchase is arranged by the dealer and is often very competitive for new cars, but not so for second hand vehicles. When interest rates are very low, as they currently are, our savings will not be earning much in the bank.
If you are considering paying outright, make sure you have enough in your savings account left over for an emergency after you have bought the car. If there is not enough money in your savings account to buy the car outright, perhaps you should consider putting down a large deposit. Using your credit card to purchase the car (if your credit limit is high enough) has one important benefit – credit card purchase protection. Before making your final choice, here are a few key things to do as you compare car financing opportunities. This video by Clearpoint Credit Counselling Solutions shows why you should shop around when looking for a car loan. No part of this website or any of its contents may be reproduced, copied, or modified, without prior consent, unless otherwise indicated for stand-alone materials. Most of these machines are technological marvels, bringing what is essentially racing-grade equipment to public roads. Others, like Ferrari’s range of exotica, command such interest from the buying public that Ferrari is able to choose exactly who buys its limited-edition hypercars. That Kawasaki is serious about superbike racing at the top-flight cannot be denied, with its World Superbike (WSBK) campaign garnering wins in 2013 and 2015.
Superbike racing at WSBK level is an excellent platform for manufacturers to show-off what their racebikes can do, and the 2016 Kawasaki Ninja ZX-10R is a prime example of that.
What this has given riders is pretty much a racebike with lights, mirrors and turn-signals, something that was started with the very first-generation Suzuki GSXR-1100.
First off, the 2016 Ninja ZX-10R’s engine remains much physically unchanged from the previous year, with a 998 cc, four-cylinder, DOHC, 16-valve, liquid-cooled power plant, pretty much de rigeur at this level of the sport. Shoving its power through a quartet of 47 mm Keihin elliptical throttle bodies with dual-injectors and a six-speed gearbox, the shifting is accentuated by the quick-shifter, or KQS, as Kawasaki terms it. With all this technology, and that humungous power delivery from Kawasaki’s inline-four, what is the Ninja ZX-10R like to ride? A gain in weight is perhaps not surprising, given the additional electronics on the new Ninja ZX-10R, including a rather clever little box of tricks called the inertial measurement unit (IMU). The IMU measures pitch and roll in five-axes, and the ECU calculates yaw, giving it six-axis measurement. This lets the ECU control the way power is delivered to the back wheel, along with controlling and taking sensor readings from braking, throttle opening and position, and engine speed, thus preventing both low- and high-sides. Designed and developed with Showa of Japan, the Ninja’s 43 mm upside-down Balance Free front fork (BFF) came with stepless adjustment for rebound and pre-load, with adjustable pre-load. At the rear, the Balance Free Rear Cushion (BFRC) rear absorber, also by Showa, is mounted horizontally on Kawasaki’s Back-link mounting, and is also fully-adjustable. Needless to say, with 120 mm of travel in front and 115 mm at the back, the suspension is well suited for racetrack duties. All this clever dirty trickery allowed us to push the ZX-10R to its fullest extent on the road and round the corners. However, riding the Ninja ZX-10 on the road demands full attention, and the razor-sharp handling of the Showa suspension means the bike reacts to any rider input, right or wrong. That the traction control light never even flickered once is testimony to the grip inherent in the Bridgestone Battlax RS10 tyres our review bike were shod with. The other modes provide either maximum acceleration or maximum stability and are for road riding and wet conditions, respectively. Fast sweepers are very much the Ninja ZX-10R’s forte, and leaning over at some very high speed posed no issues whatsoever for the bike. This was in part due to the redesigned chassis, which has a different steering head position from the 2015 model. Slowing down on the Ninja was also aided by the massive amounts of engine braking, and the ECU carefully modulated the power, preventing the rear-wheel from locking up. We were, however, warned to leave the engine braking on, as the KEBC allows the rider to switch the engine braking off. The sensation of riding a bike with zero engine braking is something we have experienced before, and it is very strange and unsettling, especially if you are not used to racing two-strokes.

Power in all instances during our road review was more than adequate, prompting a niggling thought in the author’s mind about there being such a thing as too much bike. Accelerating through the gears, aided by the quick-shifter, was supremely precise, with no dropped or missed shifts. With the tachometer being a super-bright readout at the top of the instrument cluster, fading from green to red, monitoring engine speed was easy, and prevented missed shifts. The seating position, though, helped the rider place his or herself in the optimum position for full control, the saddle being cut narrow in the front and properly supportive at the rear.
It was even more racer-like than the author’s personal Ducati 916, which was, 20 years ago, effectively a WSBK racebike with lights. On the road, the ZX-10R will still cruise the highways, and handle the canyon roads with aplomb, the bike’s handling definitely out-classing 95% of the riders who haunt the roads of Ulu Yam and Bukit Tinggi. The switchgear is something we didn’t pay a lot to, since, you know, racebike, but suffice it to say, the switches fell readily to hand, and worked well. For RM104,859, including GST, but excluding road tax, registration and insurance, the 2016 Kawasaki ZX-10R is perhaps the best superbike you can buy for the money today. For the rider who needs the latest and the greatest, the 2016 Kawasaki ZX-10R is pretty much it, even if another rider on a capable 600 might be able to ride rings around it on public roads. This may be one of the very few machines that didn’t have the tits ridden off it by the author, and that list is not very long to begin with, mainly confined to pure race machinery at championship level. The amount of money you intend to pay on your own that is not covered by the loan you will be taking from a bank. The coverage type you select determines the level of protection offered by your insurance policy. This is a discount that is offered by your insurance provider if you have not made a claim on your existing insurance policy for a certain number of years. The consumer agrees to pay back the loan over an agreed period, with interest plus a finance charge. By obtaining the financing before purchasing the car, they will know their rate and other terms while they shop. You don’t want to be putting your home at risk if you cannot manage to keep up with repayments.
This time the contract is between the dealer and the customer, whereby he or she buys a car and agrees to pay, over a set period, the amount financed plus a finance charge.
The programs may only apply to certain vehicles or might have special requirements such as a large deposit (down payment) or shorter duration contract. The loan is secured against the vehicle, so it is not technically yours until the last payment is made. So instead of keeping your savings and borrowing at a much higher rate of interest, you could use them to pay for all or some of the cost of your new car. These halo vehicles are a showcase for the manufacturer’s engineering design capability and technical prowess. That for some of these machines, like the Bugatti Veyron, never earn a profit for the manufacturer, is neither here nor there. But, as in every vehicle, there is always that attainable piece of high-speed weaponry that is available to all, or at least, anyone who can pay the price.
This led Kawasaki to intensify its efforts for 2016, leading to development of the 2016 Kawasaki Ninja ZX-10R with input from WSBK champions Jonathan Rea and Tom Sykes. An alphabet soup of acronyms comes along with the 2016 Kawasaki Ninja ZX-10R, including Kawasaki Launch Control (KLCS), Kawasaki Intelligent Braking (KIBS), Kawasaki Sport Traction Control (S-KTRC), Kawasaki Engine Braking Control (KEBC). From our first impression at Sepang, nothing has happened on the road to change our view of the race machine. Getting on the 2016 Ninja ZX-10R revealed that the new generation bike is slightly porkier that the previous one, at 206 kg, versus the 2015 ZX-10R at 201 kg. We first encountered this on the 2016 Ducati Multistrada we reviewed, and this much we can tell you. The sixth axis is for situations where the rear wheel is out of alignment with the front wheel, such as during a power slide, which means the bike knows exactly what it is doing at any given time. It works, it’s a lifesaver and how we managed to ride bikes for this long without it, god only knows. The riding position is designed for the whippet weight race jockeys in Kawasaki’s WSBK team, and means that you are folded over into a racing crouch.
Grabbing the very low-set handlebars, and shooting off, showed where the biggest change had been made in the 2016 Kawasaki Ninja ZX-10R – the suspension.
During our Sepang test ride, the Kawasaki technicians were careful to record the adjustments we requested for the Ninja, as the suspension setup is such that it is easy to get confused with a turn of the screw.
This includes stepless adjustment for both low- and high-speed compression damping as well as rebound damping, and spring pre-load. While this type of feedback would be excellent for the track, on the road, a sustained stint in the saddle at highway speeds would soon tire the rider out.
There is no mistaking that the Ninja ZX-10R is meant to be ridden fast, and two separate canyon-strafing sessions proved that. The handling tackling the canyon roads going up the mountain circuit was very stable, and very confidence inspiring. A careful reading of the corner is needed, especially at knee-down speeds, and the large safety margin we enjoyed on the track was now absent. There was never any point on the road where we felt intimidated by the bike, especially when heeled over at some, well, stupid, speed. We never tested the other ride modes available, simply because the race mode is only available when the dongle, which comes with the official race kit, is installed.

To be honest, we would not know if the other modes would have had much impact on our riding, as we had the benefit of good weather throughout the review period.
At full chat, the tank gave us about 200-ish km of range, at speeds we will not elaborate upon, which would be enough for most riders’ spines. Speed was built-up deceptively fast, with acceleration happening so quickly that it was all we could do to use the quick-shifter to keep up with the gear changes. Tighter turns and hairpins required some efforts on the bars when making very quick transitions between corners, but the drop-in was more or less effortless. While the numbers for the steering remain the same, the effort required was noticeably different, when we rode the 2016 and 2015 Kawasaki Ninja ZX-10Rs back-to-back.
We guess that both Rea and Sykes didn’t mind a little more steering effort in a pay-off for straight-line stability.
The radial-mounted four-piston Brembo M50 calipers grabbing 330 mm diameter floating discs delivered outstanding performance on the road.
This obviously obviated the need for a slipper clutch, and is an artful way of reducing weight. This obviously de-couples the engine from the rear wheel during hard down-shifts, and is a racing technique used to carry more speed entering a corner.
So, with discretion being the better part of valour, we rode the ZX-10R with the engine braking on.
Almost faster than the speed of thought, the ZX-10R rider will need to have a nimble foot to keep up with the tachometer. We ran into the rev limiter a few times on the track, during hard acceleration up the front straight, but elected to be a little more circumspect on the road.
Throttle response at all speeds was precise, and with the rev-happy inline-four, some restraint needed to be practiced to prevent unintended skyward motion of the front wheel.
Let’s just say we found the riding position to be even more extreme than the Panigale or GSXR-1000, both full-on superbikes that we tested recently. A fair amount of the rider’s body core strength is called for to keep the upper body properly supported without placing undue pressure on the wrists. But, the rather single-focus seating position, and the whole raison d’etre of the ZX-10R as a WSBK bike, makes it hard work. The traction control, cornering aids, braking control, full-titanium exhaust, electronic steering damper, all come together to let the rider concentrate on the ride. While we reviewed the Winter Test edition of the ZX-10R, which comes in a stealthy matte-black (and we liked it), this happens to be a limited quantity colour for the Malaysian market, and buyers will have to make do with the Kawasaki Racing Team (KRT) edition with the green and black colour scheme. Definitely the track day addict or privateer racing would be remiss in not considering the ZX-10R as a weapon of choice. Well, to be perfectly honest, at this level, few road riders are going to be able to use the ZX-10R’s capability to the fullest. For the money, the ZX-10R offers an awful lot of motorcycle, and is indeed the very latest in riding technology with all the little computer brains it carries. All interest rates, amounts and terms are based on a personal simulation by you and your assumptions of same. Comprehensive : Covers damage of your car as a result of fire, theft and damage (inclusive of third party damages).
Business contract hire, which can provide tax and cash flow benefits, is very popular among companies. Aside from our road review of the Ninja ZX-10R, we also had a go on it earlier at Sepang, during the media test ride. Hitting the ruts and bumps of public roads found the Ninja ZX-10R’s suspension to be sharp, though not harsh. The Sport-Kawasaki Traction Control (S-KTRC) which we left in full stability mode for the entire duration of the review, served well.
A gentle squeeze on the brake lever brought the speed down to a slightly sane level, and let our heart rate subside at the same time.
The shift point for the quick-shifter is user selectable, and works in conjunction with the ride modes.
Inside the bubble, the large instrument panel is well laid out, with all the pertinent information right under the rider’s eyes. In fact, buying a car is likely to be the second most expensive purchase the majority of people make after a home. There really isn’t a point with that postage stamp-sized seat-pad and high-set pillion pegs, not unless you want to send your passenger to the chiropractor. The recent years have seen a steady increase in enquiries for financing studies at foreign Universities. Students seeking global exposure are trying for prestigious Universities like Stanford, Harvard, MIT and INSEAD etc.
But the cost of education being on the higher side, they often find it difficult to pursue their studies for want of adequate finance. He said the ministry has suggested bringing down the minimum built-up area to 20,000 square meters from the existing 50,000 square meters.

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