Kebiasaan pinjaman kereta ditolak oleh pihak bank kerana : –
- Laporan kredit CCRIS, rekod-rekod pembayaran balik yang tidak memuaskan.
- DSR (Debt Service Ratio) peratusan jumlah komitmen bulanan yang amat tinggi.
- Perkerjaan dan Pendapatan yang kurang kukuh.
Rekod-rekod pembayaran dalam masa 12 bulan untuk semua pinjaman anda, jika terdapat 2 bulan keatas tertunggak dalam tempoh ini akan menyebabkan pinjaman anda akan ditolak adalah tinggi.Untuk maklumat lanjut, sila layari laman web CCRIS.
Jumlah komitmen bayaran bulanan bank yang melebihi 60% daripada pendapatan anda, menyebabkan pihak bank amat sukar untuk meluluskan pinjaman anda.
3. Jenis Pekerjaan dan Pendapatan
Masalah pekerjaan dan pendapatan yang tidak kukuh, selalu bertukar pekerjaan, gaji yang sukar dibuktikan, baru berkerja dan pelbagai masalah lain.
Lebih 60 model kenderaan hibrid mengambil bahagian dan mana-mana model yang menggunakan jumlah tenaga terendah akan muncul sebagai pemenang.
Proton Exora mengejutkan ramai jurnalis dan peminat di perlumbaan Future Car Challenge UK di mana ia merangkul model terbaik untuk kategori Range Extender EV yang diadakan di London pada minggu lepas. Ia mengalahkan Chverolet Volt atau Vauxhall Ampera yang juga dalam kelas Range Extender. Proton Exora hanya menggunakan 2.2 liter Petrol untuk perjalanan selama 4 jam! Ia mungkin dibantu bateri yang dipasang dan menunjukkan bagaimana prinsip Range Extender bekerja.
Sebanyak lebih 60 kenderaan mengambil bahagian dalam perlumbaan ini dimana beberapa kategori dipertandingkan seperti kategori range extender, mild hibird (Jazz), Full hibird (Prius), Elektrik EV (Leaf) dan juga enjin pembakaran dalaman yang menghasilkan emisi dibawah 110g. Mana-mana model yang mencatat penggunaan petrol paling rendah akan dinobatkan sebagai juara.
Tahniah kepada Proton yang kini mendominasi tajuk utama dengan kejayaan berterusan di peringkat antarabangsa samada dalam sukan rali dan perlumbaan pertunjukkan teknologi seperti ini. Model Exora hibrid ini dijangka dikeluarkan secara besar-besaran pada tahun 2012. 50 unit sedang dalam peringkat ujian dan digunakan oleh jabatan-jabatan kerajaan sebagai salah satu peringkat ujian.
1. Pada 6hb November kereta Proton Exora telah menang pertandingan kereta zaman akan datang yang dianjurkan oleh RAC (Royal Automobile Club – United Kingdom). Pertandingan ini melibatkan hanya kereta-kereta otomobil yang tidak terlalu mencemar udara dengan pengeluaran asap, karbon dioksida dan monoksida.
2. Hampir semua syarikat-syarikat otomobil di dunia telah mengambil bahagian dalam pertandingan ini dengan kereta elektrik dan hybrid ciptaan mereka untuk masa depan (future). Kereta-kereta ini dikehendaki berjalan dari Brighton ke London, perjalanan sejauh lebih kurang 60 batu (miles).
3. Diantara jenama yang terkenal yang mengambil bahagian ialah Toyota (Jepun), Volkswagen (Jerman) dan General Motors (Amerika Syarikat). Ada yang mengambil bahagian dengan kereta yang sudah dipasarkan dan ada yang belum dipasarkan.
Rally of China: This is what the journey is all about
We won, guys! After all the hard work, and well deserved too. PROTON takes first and second placing at the APRC 2010 and also second and third placing for the Asia Cup. Overall the team came out second for the Manufacturer’s Championship. PROTON is now ahead of Subaru and behind Mitsubishi in the APRC Manufacturers Title.
Indeed, as quoted by one of our fans, the team saved the best for last!
Alister McRae took the podium at first and Chris Atkinson at second for the APRC while Alister takes second and Chris third at the podium for the Asia Cup. Alister is currently also at third placing for the APRC Driver’s Title.
An excellent outcome for PROTON’s first full season competing in the championship what with all the bad luck we’ve had this season; and finally emerging victorious.
A recap of the China Rally, Leg 1 of the China Rally covered a total of nine special stages over 146km. After a short 1.82km super special stage for spectators on Friday, the rally continued on Saturday with eight special stages run through the mountainous region and bamboo forests just outside of Longyou city which combined both gravel and tarmac stages.
Leading the rally on Day 1, Alister was forced to concede his position for second place in the penultimate 25.53km special stage – the longest in the rally – after his Satria NEO S2000 suffered a puncture. Chris endured two punctures on the same stage which was repeated three times throughout the day to settle for third.
Leg 2 of the China Rally took place over six difficult, long and rough special stages covering a combined distance of 83.7km.The highlight of the third and final day was a grueling 16.35km charge over the rocky mountainous region of San Men Yuan dubbed by rally drivers as the stage with a hundred hairpin turns. It also included high-speed charge along a newly-introduced 12.27km all-tarmac special stage which was repeated twice throughout the day.
On Day 2 and restarting the rally almost two minutes down on Cusco Racing’s Hiroshi Yanagisawa and in second position, Alister wasted no time piling on the pressure to set the fastest stage time of 18 minutes 40.1 seconds in the 16.35km special stage 10. Halfway through the narrow and rough ascent, both Chris and Alister passed Yanagisawa’s Mitsubishi Lancer Evolution X that was forced into retirement with mechanical problems. The day ended on a happy note for both drivers when they secured the podium finishes.
Alister’s comments below aptly summarizes the whole season of PROTON’s participation in rallying:
“This is definitely a great result for both PROTON and us. I’ve said it all year long that the Proton Satria Neo S2000 is capable of winning rallies and being on the podium but we have just experienced so much of bad luck throughout the season…To finally prove it in this rally with a one-two finish is just fantastic.”
We are happy for the team and a big round of congratulations to all who made this happen with the blood, sweat and tears. They never gave up.
A special shout out to all our fans from all over the world, who have loyally stood by us and had faith that PROTON would make it! We’ve come a long way in our journey and will continue to strive for excellence.
SPECIFICATION FOR ALL MODEL PROTON INSPIRA
SRS airbags, leather steering wheel, front pre-tensioner seatbelts,
ABS with EBD, immobiliser and alarm system, central door locking,
Isofix point, reverse sensor, solar and security tinted film
and steering wheel-mounted audio control
EXTRA FUTURES FOR 2.0 PREMIUM
* Cruise control (with steering wheel-mounted switches)
* Column-mounted paddle shift controls
* Automatic climate control
* Auto headlamp and rain sensors.
* Body kit and rear spoiler.
* Leather seats and door trim finishing (the 1.8 versions are in fabric)
* A GPS navigation system.
Plum Red, Solid White, Genetic Silver and Tranquility Black.
INSPIRA 1.8 EXECUTIVE
1.8 MANUAL SOLID RM 78,549.00
1.8 MANUAL METALLIC RM 78,999.00
1.8 AUTO (CVT) SOLID RM 84,549.00
1.8 AUTO (CVT) METALLIC RM 84,999.00
INSPIRA 2.0 PREMIUM
2.0 CVT SOLID RM 91,549.00
2.0 CVT METALLIC RM 91,999.00
-BOOKING RM 1000.00
-DOWNPAYMENT 10 %
-GOV STAFF CAN MAKE FULL LOAN (BANK RAKYAT/AMBANK)
-LOWERST INTEREST AND FLEXIBLE RATE (BLR)
-AFTER GRADUATE SCHEME -GRADHITZ (BANK ISLAM)
-WAITING PERIOD 1 – 4 MONTH -( it depend on demand)
There are four main components to an ABS system:
The anti-lock braking system needs some way of knowing when a wheel is about to lock up. The speed sensors, which are located at each wheel, or in some cases in the differential, provide this information.
There is a valve in the brake line of each brake controlled by the ABS. On some systems, the valve has three positions:
* In position one, the valve is open; pressure from the master cylinder is passed right through to the brake.
* In position two, the valve blocks the line, isolating that brake from the master cylinder. This prevents the pressure from rising further should the driver push the brake pedal harder.
* In position three, the valve releases some of the pressure from the brake.
Since the valve is able to release pressure from the brakes, there has to be some way to put that pressure back. That is what the pump does; when a valve reduces the pressure in a line, the pump is there to get the pressure back up.
The controller is a computer in the car. It watches the speed sensors and controls the valves.
ABS at Work
There are many different variations and control algorithms for ABS systems. We will discuss how one of the simpler systems works.
The controller monitors the speed sensors at all times. It is looking for decelerations in the wheel that are out of the ordinary. Right before a wheel locks up, it will experience a rapid deceleration. If left unchecked, the wheel would stop much more quickly than any car could. It might take a car five seconds to stop from 60 mph (96.6 kph) under ideal conditions, but a wheel that locks up could stop spinning in less than a second.
The ABS controller knows that such a rapid deceleration is impossible, so it reduces the pressure to that brake until it sees an acceleration, then it increases the pressure until it sees the deceleration again. It can do this very quickly, before the tire can actually significantly change speed. The result is that the tire slows down at the same rate as the car, with the brakes keeping the tires very near the point at which they will start to lock up. This gives the system maximum braking power.
When the ABS system is in operation you will feel a pulsing in the brake pedal; this comes from the rapid opening and closing of the valves. Some ABS systems can cycle up to 15 times per second.
Should I pump the brake pedal when stopping in slippery conditions?
You absolutely should not pump the brake pedal in a car with ABS. Pumping the brakes is a technique that is sometimes used in slippery conditions to allow the wheels to unlock so that the vehicle stays somewhat straight during a stop. In a car with ABS the wheels should never lock in the first place, so pumping the brakes will just make you take longer to stop.
In an emergency stop in a car with ABS, you should apply the brake pedal firmly and hold it while the ABS does all the work. You will feel a pulsing in the pedal that may be quite violent, but this is normal so don’t let off the brake.
Do anti-lock brakes really work?
Anti-lock brakes really do help you stop better. They prevent wheels from locking up and provide the shortest stopping distance on slippery surfaces.
Understanding Hire Purchase
|Hire purchase (HP) financing is one of the most common ways for people to buy private vehicles. If you take on HP financing, you become the hirer while the financier financing the vehicle is the owner. As the hirer, you will have to pay instalments to the financier based on an agreed duration while you will have possession of the vehicle. When all instalments are paid up, ownership is then transferred to you, the hirer.|
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