QUOTE(kucingmainan @ Dec 9 2015, 11:02 AM)
Signed my loan today. kana 3.0. Haiz....
3.0% per annum? That's actually not bad.LYN PROTON IRIZ OWNER THREAD V5
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 Dec 9 2015, 11:36 AM
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Junior Member
834 posts Joined: Jul 2011 
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Dec 17 2015, 11:21 AM
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#2
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834 posts Joined: Jul 2011
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QUOTE(ben_ang @ Dec 17 2015, 10:07 AM) just wondering...wats a tayar sotong? octopus tire? spare tire |
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Jan 29 2016, 12:53 AM
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#3
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QUOTE(AmyRose @ Jan 29 2016, 12:16 AM) Hey guys. No idea where to post this. I hope someone here can help me understand this better. What is your loan amount, for how many years?So recently I got an Iriz (which is why I'm here). My agent told me my loan was approved with interest rate of 3%. I thought, okay, that's very reasonable so I proceeded to get it. I'm pretty effin dumb when it comes to finance/accounting shit so when I was signing the loan agreement I saw it says 6.18% per annum and I asked them why is it at 6%? They told me some stuff I didn't understand and convinced me it's not 6% but actually 3%. I don't know if I got cheated or I'm just stupid enough to understand. It's my first time getting a loan so I didn't know what to ask and I just stupidly signed the contract with no further questions. Anyway, what it says is something like Term charges: Variable rates 0.70% above BFR (currently at 6.85% per annum). Annual percentage Rate of Term charges: 6.18% From what it says, I don't see any 3% interest. I only see 6%. But my agent insists it's only 3%. I don't get it! Someone explain to me, please? (And if this is not the right thread, please tell me where to go 'cause I need answers). |
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Jan 29 2016, 12:21 PM
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#4
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QUOTE(AmyRose @ Jan 29 2016, 10:17 AM) 9 years, RM41.089.79. I'm paying RM495 per month. Loan amount 41,089, 9 years tenure @ RM495/monthRM495 x 108 = RM 53,460 (This is the total of your principle + interest you need to pay in 9 years) 53,460 / 41,089 = 130% The 30% is your total interest in 9 years. 30% divide by 9 years, your interest per annum is approximately 3.3% I say approximately, because I don't know what is your last installment amount (the very last amount you will need to pay at the 108th month). But it should fall between 3.29% - 3.33% P/S: The 6.xx% figure is probably your effective interest rate, which requires another calculation but I'm too lazy to explain here. This post has been edited by dares: Jan 29 2016, 12:28 PM |
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Feb 6 2016, 11:07 AM
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#5
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Engine braking consumes zero to little fuel.
But because no to little fuel is injected, there is more oxygen in the air-fuel mixture, also known as a lean mixture. When the engine runs too lean for too long, it will overheat, especially at high RPM. When going downhill, alternate using the footbrakes and engine braking to slow down. Relying too much on engine braking causes overheat, relying too much on footbrakes causes the brakes to fade. This post has been edited by dares: Feb 6 2016, 11:08 AM |
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Apr 16 2016, 12:35 AM
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#6
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QUOTE(drunkmunky @ Apr 15 2016, 04:12 PM) Whats the reason for rev limiter around 2.5k? :S - Because it is unneccesary to rev the engine to high RPMs when in N or P.- Reduce wear and tear associated with free-revving an unloaded engine - Reduce mechanical shock that may damage the transmission if u accidentally or intentionally shift into D or R while revving. Most modern cars have rev limiters that are set to lower RPMs when in N or P. This post has been edited by dares: Apr 16 2016, 12:36 AM |
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