sorry. can't help you with the bank loan details since i pay my bike in just 1 installment, i.e. cash 

but from what i gathered from friends:

1. use personal loan, bank rakyat offers loans @ 4% p.a. advantage is the green card is in your name. downside is your loan amount can be very limited.

2. hire purchase - very few banks will offer hp for motorbikes, and their rates vary. last i heard is public bank @ 4.7 - 4.8% interest. maybank is at 6%. Aeon is worse, at almost 10%. only advantage is you can loan any amount you want, but financing margin is only 70% - meaning you have to pay 30% d/p

application is like normal - payslips, employment letter, tax return, etc etc etc.
hope that helps

that cost u a bomb to repair and service it .....

bikes for beginners

any bikes more than 750cc can be consider as 'superbike' .. below than that its just a 'sportbike' ..

as for beginner ..no need to think about those super bikes ..get used with a small sportbike  range 150 - 250 cc..

trust me ..if you never ride a super bike before ..90% chance you might loose the bike control ... like what happen to my mom friends son ... the parents present their son with a superbike (not sure how many cc) ... he never ride a big bike before ..first time he ride the bike ..straight away accident and die ... a friend of a friend of mine .. only enjoy 2 days with his new CBR1000RR aka Rabbit ... then accident ..but lucky he is safe ..just broke the hand only.. all these because they are not used with the power produce from the bike ..

so...start with small bike first ..then upgrade to bigger bike slowly as you getting used to it..

road tax in sarawak is bloody cheap, but you get lowya roads here

rm40 for my 650cc

insurance? depends on the sum insured. mine, fully value insured with 1st party, all rider, around rm900+
yes, some banks do give hire purchase loans on motorbikes, but the interest is very high (around 6%) and financing margin is only 70% (meaning you have to pay 30% DP)

that is if u live in a perfect world

in our reality, bikes tend to fall down. accidents tend to happen. and that's where it hurts you the most financially, should you survive any mishaps w.o injuries

a simple bike fall would cause fairings to breaks, turn signals, side mirrors, handle bars - these small things cost a lot of money, and time to order, especially if it's an european bike

don't forget to factor in the periodical maintenance and time needed to look after your bike - oiling your chain every 500km, changing the motor oil and filter every 3 - 6k km, and such.

and your protective gears. good helmets cost 800 - 1,000+. u don't want to be wearing el cheapo malaysia, thailand or china made helmet with your duc monster, right? also important are gloves, costint you 100 - 200+, which will save your skin if you fall. riding boots are especially important. cost about 500+ for a good one. jackets are more personal. either you get full leather (500+) or a armored mesh jacket (300+ for grade a replica, 700+ for original)

all these are most probably accident-once-only. after and accident, you have to replace almost all your riding gears to to damages or torn as it dragged across the tarmac, protecint your skin bones.

what u means exhaust tone ?? if u want, u can change exhoaust system or u means engine sound ? 2 pinton Vs 4 piston Vs 2 stroke Vs 4 stoke is totally different ...

hehehhehe that is costly lo ...

it's 2-cylinder versus 4-cylinder

2 cylinder engines (or twins) sound like a mesin jahit,

4-cylinder engine has very sweet engine tone

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Added on July 7, 2012, 10:52 pm

6n - naked

6f - with fairing

mechanically, both are the same

except one has full fairing and another has bikini fairing