Q : What is Car Loans?

A : Car Loans are designed for those who wish to finance a car for personal use. It is the way you can borrow money from future. A car loan can give you immediate use of the car of your choice in exchange for regular payments over an agreed period of time.

Q : How about Features of Car Loans?

A : Before you make a decision on car loan which you choose, make sure that your financier offers them. Generally the features of car loan are detailed as follow.

- Payments can be arranged to suit your requirements.

- Cost like Registration cost, Road cost, Loan insurance & Comprehensive vehicle insurance may be able to be financed on the loan contract.

- For repayment, you can choose monthly or fornightly to pay during normally terms range from 12 to 60 months.

- A deposit may not be required, moreover if you do, maybe you will receive some benefits like lower repayment or shorter term.

Q : What is benefit for you?

1.If you also use your car for business purposes you may be able to claim part of the interest and depreciation charges as expenses against your taxable income.
2.Payments may be able to be made by direct debit from your nominated bank account.
3.You may build up equity in the asset.
4.Fixed payments for the term of the agreement allow for more accurate budgeting and protect you against interest rate fluctuations.

Sunday, November 18, 2007

Ferrari F430 2007

The F430 signals the arrival of a brand new generation of V8-engined Ferrari berlinettas. Every inch of the car was inspired by the engineering research carried out at Ferrari’s Gestione Sportiva F1 racing division. The result is a highly innovative design, characterized by cutting-edge technologies perfected for use on a road-going car. Two of these innovations are world firsts for production cars: the electronic differential (E-Diff) initially developed by Ferrari for its F1 single-seaters and designed to make the most of the engine’s torque to optimize traction, and the handily placed steering wheel-mounted rotary switch (better known to the Formula 1 drivers as the manettino) which directly controls the integrated systems governing vehicle dynamics. The F430’s light, compact 4308 cc engine is completely new and gives the car its name. It punches out 490 bhp and delivers a specific power output of 114 bhp/liter and 343 lb-ft of torque. Needless to say, performance is outstanding: acceleration from zero to 62 mph (100 km/h) in 4 seconds flat and a maximum speed in excess of 196 mph (315 km/h).


Style

The F430’s nose is characterized by two distinctive air intakes that channel air into generously dimensioned radiators to cool the powerful engine. The two intakes are linked at their lower edge by a spoiler that directs the air towards the car’s flat underbody. The F430’s vertically stacked headlights are extremely compact thanks to the use of Bi-xenon technology. Large air vents just ahead of the front wheels channel the air out of the radiators and along the car’s flanks. Generous scoops at the top of the rear wheelarches channel air into the engine. The side view is completed by the new 19" wheels with the 5 twin-spoke layout that combine classic Ferrari design flair with exceptional levels of structural rigidity combined with light weight.


The Enzo Ferrari was the inspiration for much of the rear styling of the new F430. The type and arrangement of the lights are the same with the latter protruding quite prominently from the bodywork. Another similarity is the shape of the air vent for the engine with the chrome Prancing Horse at its centre.


Engine

The F430 is powered by a new 90° V8 featuring Ferrari’s traditionally uncompromising design approach with a flat-plane crank (180° between throws). This is an all-new unit that does not share any components with the 360 Modena’s engine. Despite a 20% increase in engine displacement (from 3586 cc to 4308 cc), engine weight has grown minimally by just 4 kg, while performance is considerably improved across the board. Torque increases by 25% (343 lb-ft at 5250 rpm, 80% of which is already available at 3500 rpm) and power by 23% (490 bhp at 8500 rpm). The engine is extremely compact with a cylinder spacing of just 104 mm. Similarly, Ferrari’s engineers integrated the sump and main bearings in a single casting which, along with a smaller diameter twin-plate clutch and flywheel, has reduced the engine height between the bottom of the oil sump and the crankshaft to just 130 mm (from 145 mm on the 360 Modena power unit).


E-Diff Electronic Differential

One of the technical features that sets the F430 apart is the E-Diff or electronic differential. This solution has been used for years in F1 single-seaters and has been continuously developed and refined, effectively transferring massive torque levels to the track under extremely high cornering g-forces. The E-Diff is now standard equipment on the F430 - the first time that a production car has been equipped with such a sophisticated system for high-performance roadholding. On the track, the E-Diff guarantees maximum grip out of bends, eliminating wheel spin. On the road it is a formidable technological refinement that improves roadholding. This system is available both on the F1-paddle shift version as well as on the manual gearbox model and consists of three main subsystems:


  • a high-pressure hydraulic system, shared with the F1 gearbox (if present);

  • a control system consisting of valve, sensors and electronic control unit;

  • a mechanical unit housed in the left side of the gearbox.

Transmission and F1 Gearbox


The F430 features a new cast-aluminum transmission casing that houses the gearbox in unit with the electronic differential and bevel type final drive, as well as the engine oil tank. The 6-speed gearbox incorporates multicone synchronizers, while both the 6th gear and the final drive have been lengthened to make the most of the greater power and torque of the new engine. The F430 is available with either the classic Ferrari open-gate manual gearbox or with the F1 paddle shift that Ferrari has continuously developed and refined over recent years for its road-going berlinettas. Thanks to that ongoing development, Ferrari’s F1 gearbox for the F430 is state of the art, introducing a number of important modifications: thanks to inputs from the engineers on the Gestione Sportiva racing side, the F1 gearbox management incorporates a new control strategy which further perfects gearchange speed and smoothness under hard use. Changing gear takes just 150 milliseconds, as measured by the ‘hole’ in acceleration during the change (intended as the overall time from declutching, changing gear to releasing the clutch).


Interior


The F430’s interior has been re-designed for improved driver ergonomics. The instruments are housed in a new binnacle, and this design together with the layout of the dashboard underlines the care that has gone into grouping all the major controls in front of the driver within easy reach. In the driver’s direct line of sight are the rev counter, which features new graphics with a choice of either a red or yellow background and a new metal surround, the digital readout of the gear ratio selected (F1 version) and a multi-function display. The same uncompromising approach to driver control was the inspiration behind mounting the starter button and manettino on the steering wheel. The wheel itself is new with the upper rim flattened to improve visibility in the straight ahead position, and the horn pushes are integrated into the inner rim where they can be easily actioned. The interior reflects the advanced technology and materials employed in the car’s construction, and can be personalized with carbon-fiber or aluminum inserts. The cockpit is noticeably bigger and the already excellent passenger comfort is subsequently increased thanks to a slimmer central tunnel which houses the gear lever turret on the manual version and the F1 console on the paddle-shift version. There is plenty of space behind the rear seats, with a new electrically operated compartment for oddments storage and catch netting to the rear fire wall. The seats have been redesigned for greater lateral containment and the standard electric seats can be substituted by more sporting items with four-point harnesses to order (depending on markets).


Specifications
Engine
Type : V8
Displacement cu in (cc) : 263 (4308)
Power bhp (kW) at RPM : 490(360) / 8500
Torque lb-ft (Nm) at RPM : 343(465) / 5250
Redline at RPM : n.a.

Brakes & Tires
Brakes F/R : ABS, vented disc/vented disc
Tires F-R : 225/35 ZR19 - 285/35 ZR19
Driveline : Rear Wheel Drive

Exterior Dimensions & Weight
Length × Width × Height in : 176.6 × 75.7 × 47.8
Weight lb (kg) : 3196 (1450)

Performance

Acceleration 0-62 mph s : 4.0
Top Speed mph (km/h) : >196 (>315)
Fuel Economy EPA city/highway mpg (l/100 km) : 11/16 (n.a.)

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