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6 Industry Secrets Shared by CARSOME Inspectors

By

Devan S

Buying a used car can be intimidating especially if you’re not sure how to inspect the car for signs of accident damage. While minor scratches and dents on a used car are totally normal, having major accident damage can pose a danger to you and your passengers. To help you the next time you shop for a pre-owned car, here are six car inspection tips shared by the professional, skilled inspectors at CARSOME.

[Image source: 3dbodyworks.com]

1. Look for Mismatched Paint

Checking for mismatched paint is one of the easiest car inspection tips. Usually, if a car has been in an
accident
, only the damaged area or panel is repaired. This can be done by either replacing the damaged panel or respraying the affected area. When checking for mismatched paint, remember to do it under good light. Also, you should only compare surfaces of the same material since different materials have different properties that can affect the paint color.

For example, you can compare the paint on the door panel (metal surface) with the fenders or bonnet, but not with the bumpers since the bumpers are made of plastic. You also shouldn’t compare the paint on the roof with other parts of the car as the paint there tends to fade faster as it is subjected to harsher sunlight on a daily basis.

2. Check the Paint on the Edges of the Bonnet and Boot Lid

One simple car inspection tip is to check the edges of the bonnet and boot lid and feel for uneven or rough paint textures. If the bonnet and boot have been repainted after an accident, the paint on the edges tends to have a rough texture.

On the other hand, the original factory paint should feel smooth and even. While having rough paint edges could indicate that the car has been in an accident, it could also be a sign that the owner repainted the car just to refresh its looks.

Read More:
Sedan vs SUV: Does Size Really Matter?

3. Check the Sealant around the Car

Most manufacturers apply automotive seam sealant along the seams of the body parts of a car including the doors, bonnet, and boot lid of a car to bond the metal surfaces together. During your car inspection, check the edges of the car door and press down on the sealant layer which can be either in black or in the car’s body color.

The original factory sealant should feel hard and dense, and can’t be easily compressed with your fingers. If you can compress the sealant with your touch, chances are the car has undergone some repairs that require new sealant to be applied.

Seam sealant on the edges of the boot opening

4. Check for Bubbles Due to Dust Contamination

Cars with the original factory paint are generally smooth and blemish-free since they are painted in a dust-free car painting chamber. In contrast, most third-party paint shops don’t have a properly enclosed painting chamber. When you repaint a car that has dust particles on the surface, tiny paint bubbles can form around the dust particles.

The bubbles can range in size from tiny to large, and are usually inconspicuous to the untrained eye so they may be difficult to spot. When trying to spot paint bubbles, do it in a well-lit area and keep a torch on hand.

Tiny paint bubbles due to dust contamination

Read More:
A Guide to the Easiest Car Colors to Maintain

5. Look at the Welding Spots around the Car

A car is made of multiple sheets of metal fused together with a process called spot welding. This process results in circular dents or spots around the car called welding spots. You can find the welding spots on certain metal surfaces of the car including in the engine bay and on the door frame underneath the rubber seal that surrounds the door.

Welding spots in a car’s engine bay

The factory welding spots on a car are always uniform in width and depth. However, If the car has suffered damage that requires repairs and extra welding, you may notice some welding spots that look out of place.

6. Inspect the Car for Mud Stains

Inspecting a car for
flood damage
 is difficult without a jack as you wouldn’t be able to thoroughly inspect the car’s undercarriage. However, you can check parts of the car such as around the door hinges and under the carpet for mud stains. These areas are harder to clean and tend to hold more mud. You can also pull the seatbelts till they’re fully extended and look for stains on the end of them as these are usually overlooked.

Choose CARSOME Certified for Complete Peace of Mind

If you’re looking for a quality pre-owned car, look no further than

CARSOME
. We put all our cars through a stringent 175-point inspection that covers the exterior, interior, underbody, and road test to rule out major accidents and flood damage. CARSOME Certified cars then undergo a professional refurbishment process to ensure they have safety beyond standards, complete comfort, and refurbished aesthetics.

Additionally, each

CARSOME Certified

car offers excellent value with the following promises.

Fixed price:
 The listing price you see on CARSOME is the actual full price of the car with no hidden fees, so you know exactly how much you’re paying.

Five-day money-back guarantee:
 If you buy a car from CARSOME and you change your mind, you can return it within five days and get a full refund. No questions asked!

One-year warranty:
 All CARSOME Certified cars also have a one-year extended warranty for your peace of mind.

Check out

CARSOME

to find your dream car today!

Devan S
Devan believes written content is here to stay despite our depleting attention span and the rise of short videos. He loves four and two-wheeled vehicles, and movies of all makes and models.


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Car Tips
Everything about Car Insurance in Malaysia: From Special Perils Coverage to Premiums

By

Haziq Asyraf

Even if you are the most careful driver out there, car accidents can happen unexpectedly – whether it is a small bump, a major collision, or a natural disaster such as flooding. In these instances, car insurance can help you by covering the cost of repairs both to your car and to the third party involved in the
accident.

In Malaysia, motor insurance is a necessity and requirement by law when you purchase a vehicle as it’s a way to protect you as a car owner. There are various types of car insurance in Malaysia and you also have the option to get additional protection from the inclusion of special perils coverage to windscreen protection.

The Types of Motor Insurance in Malaysia

A motor vehicle insurance is a policy that protects vehicles such as cars, motorcycles, buses, and lorries from unforeseen risks such as theft, as well as damage from road accidents and special perils like floods. There are various factors to consider when you get motor insurance in Malaysia including your vehicle’s value and age, as well as the road you drive on.

There are three types of motor insurance policies in Malaysia with varying coverage. The three main types are Third-Party Insurance Cover, Third-Party Fire and Theft Insurance Cover, and Comprehensive Insurance Cover.

Third-Party Insurance Coverage

In Malaysia, third-party insurance coverage is the most basic vehicle insurance policy. If you get into an accident with someone, the third party in this coverage refers to the other individual. This coverage policy protects third parties or other individuals from injury or death. It includes damage or loss to a third party’s property as a result of an accident caused by your vehicle. However, third-party insurance offers relatively limited coverage. This policy can only be used for third-party claims and cannot be used to make a claim for damage to your vehicle.

Therefore, this policy is offered at a lower price as compared to other insurance policies. Insurance offered on old cars tends to be third-party insurance, but you can talk with your service provider if you wish to get a comprehensive policy instead. In Malaysia, every motor vehicle must have at least a third-party insurance policy to enable a vehicle to be used on the road. The use of valid insurance can also facilitate road tax renewal and prevent you from being fined.

Third-Party Fire and Theft Insurance Coverage

Third-Party Fire and Theft Insurance Coverage is somewhat similar to the third-party coverage but this policy also includes an additional protection policy that covers vehicle damage due to fire or theft. Just like third-party insurance, this policy protects the driver from third-party claims covering property loss or damage to third-party property, bodily injury, or death caused by your vehicle. Typically, this insurance coverage is more expensive than third-party insurance but cheaper than comprehensive insurance.

Comprehensive Insurance Coverage

Comprehensive insurance coverage is the most complete vehicle insurance policy. It offers the same coverage as third-party, theft, and fire insurance policies with additional coverage on your own vehicle, not limited to theft or fire only. In other words, this type of insurance not only protects the third party (other individuals) but also protects the first party (you).

In Malaysia, new cars purchased through bank loans are required to purchase a comprehensive insurance policy. However, you may not need this comprehensive policy if you own a car at a cheaper value (the estimated cost of repairs is not too large and can be self-financed) or own an old car.

Additional Car Insurance Coverage

Most car insurance policies will offer extra optional coverage such as for special perils or windscreen protection, known as insurance riders. However, you may want to consider the additional coverage based on your lifestyle – for example, if you drive on rough terrains where you may be more susceptible to damages. Here are some additional protections you can consider:

1. Protection for Additional Drivers

If your car is involved in an accident with someone other than you behind the wheel, you will have to pay a RM400 penalty when you submit an insurance claim. This penalty is called an unnamed driver excess. By adding additional drivers to your car insurance policy, you don’t have to pay this penalty if they are involved in an accident while driving your car. Most insurance providers in Malaysia allow you to add the first additional driver’s name for free.

However, for every additional driver after that, you’ll need to pay a RM10 fee which will be added to your insurance premium. The maximum number of drivers covered in a car insurance policy is generally set to five people, so if you were to add four drivers to your policy (other than yourself), you will have to pay an additional RM30 for it.

2. Windscreen Protection

There is a high probability that you know an owner that has had a cracked or broken windscreen, windshield, or window from a stone chip while driving on the road. This additional premium extends the protection to all exterior glass on a vehicle including the front and rear windscreen, side window glasses, sunroof, and even the cost of any tint or security film that you have applied on the glass. The add-on only costs 15 percent of the insured windscreen value but is an excellent addition as it does not affect your NCD when making a claim.

3. Special Perils Insurance Coverage

It’s natural to think your vehicle would be safe from floods and landslides. But with the torrential rain that Malaysia receives, it would be a good idea to get a special perils coverage the next time you renew your motor insurance. A special perils coverage covers damage from floods, landslides, landslips, typhoons, hurricanes, storms, volcanic eruptions, earthquakes, subsidence or sinking of the soil/earth, or other convulsions of nature.

Water damage is not a cheap fix, especially if your vehicle gets fully submerged. If it involves mechanical parts and most of the interior fittings, the repairs could even cost you upwards of RM50,000. The cost of this special perils coverage add-on varies according to insurance providers but it generally only costs around 0.5 percent of the total vehicle premium. So, if the vehicle is insured for RM70,000, this will only set you back by RM350.

4. Coverage on Accessories Fixed to Your Vehicle

Expensive sound systems, high-end rims, and other accessories are not insured by your standard insurance plans. However, you can get them insured with an add-on that will cost 15 percent of the value of your accessories. While it may not seem like much, if you insure these items for RM10,000, the premium will set you back an additional RM1,500. It’s best to check with your insurance provider on what is included in the coverage to make it easier to decide if it is worth adding.

5. Strike, Riot, and Civil Commotion (SRCC) Protection

Strike, riot, and civil commotion rarely occur in Malaysia. So your vehicle should be safe unless it is parked in a high-risk area, in a dark alley, or amidst a planned protest. Despite costing only 0.3 percent of the insured sum, this option is rarely taken by car owners. To be on the safe side, be wary of where you park your car next and stay up to date with the news in case there are planned protests.

6. Legal Liability to and of Passengers

The legal liability to a passenger (LLTP) coverage protects you from legal liabilities suffered by your own passengers. This happens when your vehicle gets involved in an accident through your own fault and your passenger decides to take legal action against you for causing injury to them or their loved ones, or damage to their property. The LLTP usually costs about 25 percent of the premium of a basic third-party insurance policy.
/>On the other hand, the legal liability of a passenger (LLOP) coverage protects you when a third party submits a claim against you for the action of your passengers. For example, this protects you should your passengers have an accident that involves a pedestrian, cyclist, or motorcyclist – such as if they open the car door and accidentally injure a passer-by. Compared to LLTP, LLOP is more affordable at RM7.50 per annum.

Other Things to Know about Car Insurance Policies in Malaysia

Waiver of Betterment

Betterment is a portion of the cost that the policy owner has to pay when the damaged part of the car is replaced with a new original part. The older the vehicle, the higher the betterment rates, with this rate being zero for vehicles below five years old and 40 percent for vehicles above 10 years old. This only applies to a vehicle that is up to 15 years old.

However, you can purchase a waiver of betterment to waive the betterment charges in the case of an accident. Should the third party be fully liable for causing the accident, he or she will not be responsible for the aging and depreciating value of the car. In practice, the non-moving parts of a car such as a car door, bonnet, mudguard, or boot cover, depending on the condition, will be repaired instead of replaced.

Added Services

Certain insurance providers offer extra benefits such as free 24-hour towing and roadside assistance, depending on the policy. Some also have extra servicing office branches for any assistance you may require, such as to check with the offices for claims or any forms you may have to fill out. Another fairly recent added feature provided by insurance companies is a mobile app where you can check your policy details, among other things.

Premiums

Premiums are your payments to the insurance providers. Prior to the motor insurance de-tariffication in July 2017, the cost of an insurance policy is determined by the value and engine capacity of your vehicle. Now that motor insurance in Malaysia is de-tariffed, premiums are calculated based on the risk behavior of the consumers. Factors in this risk-based assessment are the driver’s age, gender, occupation, residence, claim history, and the frequency of car use.

No Claim Discount (NCD)

The NCD is a discount provided when you do not make any insurance claims during a specified period. In Malaysia, the percentage of this increases year-on-year on the condition that no claim has been made. For private cars after the fifth year onwards, the rate is 55 percent. One thing not many people know is that in the event that the accident was caused by another party, you are able to claim your insurance without losing your NCD. Your NCD is only lost if there is someone claiming against you.

Claims

Should you decide to make a claim on your insurance for major damage, the “Own Damage Claim”, and the “No-Fault Own Damage Claim” are two types of claims you can make.

An Own Damage Claim is a claim on your own policy towards the loss or damages sustained by your vehicle in an accident. This claim will forfeit your NCD and reset it to 0 percent. As a standard procedure for making an “Own Damage Claim”, you should:

Report to the police within 24 hours, as required by law.

Send your vehicle to an authorized workshop for immediate attention. Certain insurance companies have a list of panel-authorized workshops that will identify the cost and sort out the repairs.

Collect the claim from your insurance company and sign accordingly.

 Submit the following documents:

Original police report;

Repairer’s or workshop’s estimated cost of repairs; and

Copies of your insurance policy, vehicle registration card, road tax disc, identity card,  driving license of the vehicle owner and driver (if the driver is different), plus the hire purchase agreement (if applicable).

Same as an Own Damage Claim, a No-Fault Own Damage Claim is also a claim on your own policy. However, it doesn’t forfeit your NCD as it’s applicable when the accident your vehicle is involved in is not your fault. you will need to add on copies of the following documents where applicable:

A signed declaration letter (for No-fault accident);

Third party’s police report; and

Police compound or findings.

Do note that the procedures above depend on your insurance provider.

Also Read:
How to Renew Your Driving License

A Comparison Between Each Coverage

A
wide range of car insurance options
is offered in the market with various types of additional coverage according to your needs and budget. The price of these insurance depends on the type of policy or insurance company you decide on. However, you may want to consider the following when choosing the right car insurance for you:

Value-added services such as
emergency assistance
 at no extra charge;

Vehicle insurance renewal facility online or offline;

Uncomplicated claims process;

Accessible and comprehensive panel workshop location; and

Efficient customer service.

Third-Party Coverage

Third-Party Fire and Theft Coverage

Comprehensive Coverage

Third-Party Claims/Liabilities

Injury

/

/

/

Death

/

/

/

Damage to Third-Party Property

/

/

/

Lost/Damage to Your Vehicle

Fire

X

/

/

Theft

X

/

/

Accident

X

X

/

Death/Injury

Passengers

X

X

X

Compensation by the insurer to the policyholder is standard practice after a vehicle theft or loss claim is made. The amount that will be received by the policyholder may adhere to one of three key factors, which are:

The market value of the vehicle at the time the damage or loss occurred;

The value agreed in the policy; or

Any that is priced the lowest.

Also Read
:
How to Renew Road Tax and Car Insurance Online

However, a refund will be given by the insurance company to the policyholder based on the value agreed in the agreement regardless of the current market price or resale price. So, now that you understand car insurance in Malaysia, we hope that you’ll continue to stay safe on the roads and choose your coverage wisely.

For any other used car services and news, do check Carsome out! You can
buy a used car
 or even
sell your own
 at Carsome for the best price, fast payment, and no paperwork hassle. Plus, all our cars have gone through a 175-point inspection for your peace of mind.

Haziq Asyraf
A self-proclaimed foodie and gamer whose passion for food and games has recently extended to cars.


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Car Tips
Is Your Car Jerking? Here Are the Possible Causes

By

Devan S

Being in a lurching, juddering, or jerking car while on the road can be scary. It’s one thing if your car shudders when it’s parked and idling but when the jerking happens while you’re driving at speed, it could take you by surprise and even cause you to lose control of your car. A jerking car could signify a number of issues from a dirty air filter to a clogged catalytic converter. And if left unchecked for too long, the issue could cause major, more costly problems.

What It’s Like When Your Car Is Jerking

When your car jerks, it often feels like it’s struggling to move forward even when you press down on the accelerator pedal. Depending on the severity of the problem, your car could have just minor shaking, or, in some cases even hesitate for a second and then lunge forward when you put your foot on the pedal.

If your car is jerking while accelerating from a stop, it makes it hard to pick up speed and can be annoying especially in stop-and-go traffic. However, things can get dangerous if your car jerks when you’re already driving at speed as you could suddenly slow down and cause a collision.

Read:

What do Your Car Warning Lights and Indicators Mean

What Can Cause a Jerking Car?

A jerking car can be caused by a number of issues. While some are easily fixed like replacing a dirty air filter, some signs require more attention. Many issues that cause your car to jerk can trigger the
Check Engine Warning Light
, so if you notice any of these, be sure to get your car checked.

Worn Out or Damaged Spark Plugs

Spark plugs are responsible for delivering the electric current from the ignition system to the combustion chamber. This “spark” ignites the mixture of fuel and compressed air which then moves the pistons in your engine cylinders. If you have faulty spark plugs, the fuel can’t ignite properly and the cylinders will misfire. This misfiring can cause your car to jerk when accelerating, while maintaining speed as well as vibrate excessively when idling. Fortunately, you can fix this issue by replacing the spark plugs, which are generally affordable and should be part of your regular servicing schedule.

Dirty Air Filters

The air filter functions to prevent dirt and debris in the air from entering the engine. If it’s dirty, it could restrict airflow to the engine, thus reducing the amount of oxygen that the engine gets. This causes an uneven oxygen-to-fuel ratio in the engine which leads to misfiring and car jerking. Oftentimes, the engine compensates for this by consuming more fuel to produce the same amount of power which then affects fuel economy. To prevent this, it’s important to regularly replace your air filter during each
scheduled service
.

Dirty Fuel Filters

Like an air filter, the fuel filter screens dirt and debris in the fuel. If it gets dirty, it could prevent enough fuel from getting to your engine causing jerking in your car. However, a dirty fuel filter could cause other issues including reduced engine performance especially under heavy acceleration, stalling while driving, and hard starting. If left unchecked, a dirty fuel filter could cause other parts of your fuel system to fail. For instance, your fuel pump could work harder to supply more fuel to the engine which may cause the pump to overheat and break down.

Clogged Fuel Injectors

The fuel injectors send a steady stream of fuel into your car’s engine cylinders. When a fuel injector gets dirty, it won’t be able to deliver the right amount of fuel to your engine quickly enough. In the end, the fuel won’t get properly ignited which causes misfiring. Car jerking due to dirty fuel injectors is fairly rare, but fuel injector issues can lead to engine failure so it’s important to check it out.

To prevent clogged fuel injectors, you can regularly clean them with fuel injector cleaners – just pour the cleaner into your fuel tank according to the product instructions and you’re done. You can also consult your mechanic to find out more about fuel injector cleaners that they recommend.

Read:
Why Your Car Breaks Down & How to Get Help

Malfunctioning Mass Airflow Sensor

The mass airflow (MAF) sensor measures the amount of air that your engine gets. This data is then used to adjust the amount of fuel that the fuel injector should supply to ensure the right oxygen-to-fuel ratio is maintained. With a defective MAF sensor, the fuel injector might end up sending the wrong amount of fuel to the engine, causing a host of problems.

Your car could end up jerking when accelerating or while maintaining high speeds. Your car could even have difficulty starting and could shake or stall while idling. If ignored for too long, a defective MAF sensor could cause your car to have reduced fuel efficiency and poor emissions. In extreme cases, it could cause the engine to seize, meaning it gets locked up and is unable to start. Depending on the extent of the damage, fixing a seized engine can be extremely difficult and expensive, so make sure you get your car checked if you encounter these problems.

Blocked or Damaged Fuel Line

A blocked or damaged fuel line could be another reason why your car is jerking. The fuel line transports fuel throughout your engine and when there’s a cut or clog in the fuel line, there could be uneven fuel pressure to the engine. The low fuel pressure will cause your engine to misfire, which leads to jerking. If left unchecked, the leak from the damaged fuel line could even cause your engine to
catch fire
.

Transmission Issues

There are a number of transmission issues that can cause your car to jerk. If you have low transmission fluid, your car could shake or shudder when idling. You could also find your car jerking or lurching violently when accelerating from a standstill. Another issue that could cause your car to jerk is a malfunctioning transmission control unit (TCU). The TCU controls the shifting of your car as you accelerate so a malfunctioning one could cause your car to shift gears inconsistently or slowly which leads to your car jerking.

Clogged Catalytic Converters

The catalytic converter reduces the exhaust particles that your car emits. However, if it becomes clogged, it could cause an exhaust buildup which reduces airflow in your exhaust system. The obstructed airflow can cause jerking in your car and a number of other issues. Besides causing your car to jerk when accelerating, at speed, or while idling, a clogged catalytic converter could affect the fuel economy of your car and even increase your car’s exhaust emissions. If you notice that your car is jerking, consuming more fuel, and spewing out more smoke, then you could have a clogged catalytic converter.

While you can still drive a jerking car if the occurrences are minor or few and far between, more frequent and stronger jerking when maintaining speed could mean there are serious issues with your car. If you notice something off about your car, get it checked by a mechanic as soon as possible. Jerking may develop from a minor issue into a more major, costly issue.

If you’re looking for
reliable used cars
 on a trusted platform, check out CARSOME. We have hundreds of cars on our website, all of which have gone through our detailed 175-point inspection to ensure safety and reliability. There are also no hidden charges when you buy from us!


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Car Tips
Why Is My Car Jerking? Here Are the Possible Causes

By

Devan S

Being in a lurching, juddering, or jerking car while on the road can be scary. It’s one thing if your car shudders when it’s parked and idling but when your car is jerking while driving at speed, it could take you by surprise and even cause you to lose control of your car.

 A jerking engine or car could be caused by a number of issues from a dirty air filter to a clogged catalytic converter. And if left unchecked for too long, the issue could cause major, more costly problems later on.

Table of Contents

What a Jerking Car Feels Like

Car Jerking While Driving at a Constant Speed

Car Jerking When Accelerating

Car Jerking While Idling

Car Jerking While Braking

What Can Cause a Jerking Car?

Worn Out or Damaged Spark Plugs

Dirty Air Filters

Dirty Fuel Filters

Clogged Fuel Injectors

Malfunctioning Mass Air Flow Sensor

Blocked or Damaged Fuel Line

Transmission Issues

Clogged Catalytic Converter

Brake Issues

Visit a CARSOME Service Center to Fix Your Jerking Car

What a Jerking Car Feels Like

Your car can jerk in a number of situations be it while driving or at a standstill. When your car jerks, it often feels like it’s struggling to move forward even when you press down on the accelerator pedal. Here are some common instances when a car can be jerking.

Car Jerking While Driving at a Constant Speed

Imagine driving while maintaining speed on the highway and your car engine suddenly jerks. It usually involves your car juddering abruptly before continuing like normal, or, in some cases even hesitating for a second and then lunging forward when you step on the accelerator.

This can definitely be scary especially if there are other cars around you going at high speeds too. Common issues related to this include faulty fuel injectors or mass airflow sensors, or dirty filters.

Car Jerking When Accelerating

The most common instance of a car jerking is when accelerating from a standstill. When this happens, a car usually hesitates to move when you step on the accelerator, accompanied by either a sudden lurch forward or juddering as though your car is struggling to move. Common problems contributing to engine jerking when accelerating include a faulty throttle cable, worn spark plugs, or faulty fuel injectors.

Car Jerking While Idling

Sometimes, your car could jerk, shake, or rattle even at idle. Slight vibrations are normal, especially in an older car but excessive vibrations could be a sign of structural issues like worn-out bushings or damaged engine mounts.

Though not as common, you could also have your engine jerking or stuttering while idling, and feeling like it’s out of breath. If your car jerks like this at a low RPM, you could have bad spark plugs or a worn throttle sensor.

Car Jerking While Braking

This is an uncommon problem, though it could still be dangerous. A car that jerks while braking can abruptly jerk to a stop or shake rapidly before stopping. Your car might also have reduced stopping power which can lead to accidents especially if you’re in a situation where you can’t brake in time. If your car jerks when braking, you could have a warped brake rotor/disc or excessive debris on your brakes.

Read More:

What do Your Car Warning Lights and Indicators Mean

What Can Cause a Jerking Car?

A jerking car can be caused by a number of issues. While some are easily fixed like replacing a dirty air filter, some signs require more attention. Many issues that cause your car to jerk can trigger the
Check Engine Warning Light
, so that is one sign to look out for.

Worn Out or Damaged Spark Plugs

Spark plugs are responsible for delivering the electric current from the ignition system to the combustion chamber. This “spark” ignites the mixture of fuel and compressed air which then moves the pistons in your engine cylinders. If you have faulty spark plugs, the fuel can’t ignite properly and the cylinders will misfire.

This misfiring can cause your car to jerk when accelerating, while maintaining speed, as well as vibrate excessively when idling. Fortunately, you can fix this issue by replacing the spark plugs, which are generally affordable and should be part of your regular servicing schedule.

Dirty Air Filters

The air filter functions to prevent dirt and debris in the air from entering the engine. If it’s dirty, it could restrict airflow to the engine, thus reducing the amount of oxygen that the engine gets. This causes an uneven oxygen-to-fuel ratio in the engine which leads to misfiring. As a result, your car will jerk and stutter, especially when accelerating.

Oftentimes, the engine compensates for this by consuming more fuel to produce the same amount of power which then affects fuel economy. To prevent this, it’s important to regularly replace your air filter during each
scheduled service
.

Dirty Fuel Filters

Like an air filter, the fuel filter screens dirt and debris in the fuel. If it gets dirty, it could prevent enough fuel from getting to your engine causing jerking in your car. However, a dirty fuel filter could cause other issues including reduced engine performance especially under heavy acceleration, stalling while driving, and hard starting.

If left unchecked, a dirty fuel filter could cause other parts of your fuel system to fail. For instance, your fuel pump could work harder to supply more fuel to the engine which may cause the pump to overheat and break down.

Clogged Fuel Injectors

The fuel injectors send a steady stream of fuel into your car’s engine cylinders. When a fuel injector gets dirty, it won’t be able to deliver the right amount of fuel to your engine quickly enough. In the end, the fuel won’t get properly ignited which causes misfiring. Car jerking due to dirty fuel injectors is fairly rare, but fuel injector issues can lead to engine failure so it’s important to check it out.

To prevent clogged fuel injectors, you can regularly clean them with fuel injector cleaners – just pour the cleaner into your fuel tank according to the product instructions and you’re done. You can also consult your mechanic to find out more about fuel injector cleaners that they recommend.

Read:
Why Your Car Breaks Down & How to Get Help

Malfunctioning Mass Air Flow Sensor

The mass air flow (MAF) sensor measures the amount of air that your engine gets. This data is then used to adjust the amount of fuel that the fuel injector should supply to ensure the right oxygen-to-fuel ratio is maintained. With a defective MAF sensor, the fuel injector might end up sending the wrong amount of fuel to the engine, causing a host of problems.

Your car could end up jerking when accelerating or while driving at high speeds. Your car could even have difficulty starting and could shake or stall while idling. If ignored for too long, a defective MAF sensor could cause your car to have reduced fuel efficiency and poor emissions.

In extreme cases, it could cause the engine to seize, meaning it gets locked up and is unable to start. Depending on the extent of the damage, fixing a seized engine can be extremely difficult and expensive, so make sure you get your car checked if you encounter these problems.

Blocked or Damaged Fuel Line

A blocked or damaged fuel line could be another reason why your car is jerking. The fuel line transports fuel throughout your engine and when there’s a cut or clog in the fuel line, there could be uneven fuel pressure to the engine. The low fuel pressure will cause your engine to misfire, which leads to jerking. If left unchecked, the leak from the damaged fuel line could even cause your engine to
catch fire
.

Transmission Issues

There are a number of transmission issues that can cause your car to jerk. If you have low transmission fluid, your car could shake or shudder when idling. You could also find your car jerking or lurching violently when accelerating from a standstill, especially right after you start your car.

 Another issue that could cause your engine to jerk is a malfunctioning transmission control unit (TCU). The TCU controls the shifting of your car as you accelerate so a malfunctioning one could cause your car to shift gears inconsistently or slowly which leads to your car jerking.

Clogged Catalytic Converter

The catalytic converter reduces the exhaust particles that your car emits. However, if it becomes clogged, it could cause an exhaust buildup which reduces airflow in your exhaust system. The obstructed airflow can cause jerking in your car and a number of other issues.

Besides causing your car to jerk when accelerating, at speed, or while idling, a clogged catalytic converter could affect the fuel economy of your car and even increase your car’s exhaust emissions. If you notice that your car engine is jerking, consuming more fuel, spewing out more smoke, or producing rotten exhaust smells, then you could have a clogged catalytic converter.

Brake Issues

If your car jerks or vibrates excessively when braking, the culprit is most likely a problem with the brakes. If you have worn or dirty brake pads, your brakes will usually produce a grinding or
squealing noise when you brake
, accompanied by some vibration. If you have warped or damaged brake rotors, your car could jerk violently when braking, depending on the condition of the rotors.

Your car could also pulsate as you slow down due to the uneven rotors, taking more time to stop. These issues are especially dangerous as they result in reduced stopping power, which can lead to accidents.

While you can still drive a jerking car if the occurrences are minor or few and far between, more frequent and stronger jerking when driving at constant speed could mean there are serious issues with your car. Jerking in your car may develop from a minor issue into a more major, costly issue.

Visit a CARSOME Service Center to Fix Your Jerking Car

If you experience any jerking in your car and would like to get it fixed, simply drop by one of our
CARSOME Service Centers
 to get it checked. Our trained mechanics will do their best to identify and fix the problem to ensure your car runs smoothly and safely again.

Plus, we guarantee to use only quality spare parts and provide transparent billing, so you know exactly what you’re paying for upfront. If you’re looking for a place to service your car, we also offer affordable service packages from only RM98.

So what are you waiting for?
Book your service appointment
 at a CARSOME Service Center now.

This content was originally published on 15/12/2021. It has been updated for freshness, accuracy, and comprehensiveness.


To Buy or Lease a Car: What Is the Best Choice for You?

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Lifestyle
To Buy or Lease a Car: What Is the Best Choice for...

By

Devan S

With the rise of car leasing services in Malaysia, consumers now have another option when it comes to getting a new vehicle. If you’re unfamiliar with it, leasing involves paying a monthly fee for a car for up to three years, and after the lease is over, having the option to either return it and end your lease, buy the car and own it, or choose another car to lease.

While it sounds attractive, leasing a car may not be for everyone. So if you’ve wondered whether you should buy or lease a car, here’s a guide to help you make an informed decision.

How Does Leasing a Car Work?

Car leasing allows you to drive a brand-new car for a specific length of time, usually between one and three years. Most Malaysian car leasing companies require you to pay an upfront fee before collecting the vehicle. Then, you pay a monthly fee over the duration of your lease.

The monthly fees cover everything including the cost of leasing the car, road tax, insurance, and maintenance. Over the lease period, you use the car just as you would any car you own but you may have a limit to how far you can drive a month, depending on the leasing option you chose. At the end of the lease period, you can either return the car and lease a new one, or purchase the car for the guaranteed future value (GFV) that should be defined in your lease contract.

Read More:
Car Loan Got Rejected? Here’s How to Increase Your Loan Approval Chances

Pros & Cons of Leasing & Buying a Car

When deciding if you should lease or buy a car, it’s important to look at its pros and cons. Here are the main pros and cons of both options to help you decide.

Pros of Leasing a Car

Potentially lower overall cost:
 The monthly payments for leasing a car in Malaysia are higher than a typical car loan. However, as the leasing fees cover everything including road tax, insurance, and maintenance, you can potentially save money. This is especially true, for instance, if you lease an expensive continental car and it requires major repairs.

Maintenance is taken care of:
 The leasing company is responsible for the scheduled maintenance of the vehicle during the lease duration. Therefore, you don’t have to take the car to the workshop for servicing or repairs. Also, the warranty usually covers most of the cost.

Drive a new car every few years:
 After the lease is up, you have the option to purchase the car or return it and pick a new one to lease. If you enjoy driving a new ride with the latest technology, you can do so by leasing.

No resale worries:
 Since you can just return the car after the lease is up, you don’t have to worry about selling it. You only have to pay any end-of-lease fees, including for abnormal wear and tear and excess mileage.

Cleaner credit score:
 By leasing a car, you won’t have a car loan under your name and that means you’ll have a cleaner credit score. This is great if you already have several debts to your name and plan to apply for a loan in the near future.

No long-term commitment:
 Leasing means you won’t be tied down by a long-term loan. That makes it a better choice if you’re an expat who’ll only be in Malaysia for a few years or if you have future plans that will affect your ability to service a car loan.

Cons of Leasing a Car

You don’t own the car:
 One of the biggest drawbacks of leasing a car is that you have to return it when the lease expires unless you choose to purchase it. If you decide to return it, you won’t have an asset in your possession.

Never-ending monthly payments:
If you decide to keep switching cars, you’ll end up always paying to rent a car. At a certain point, you’ll spend more on leasing a car than you would if you purchased one and kept it long-term.

Monthly mileage restrictions:
 Most car leasing companies have mileage restrictions on the car for the duration of the lease. However, they may also offer additional monthly mileage packages that you can pay for to get additional or unlimited miles on the car.

Wear and tear fees:
When you return the car after the lease is up, you’ll have to ensure that it’s in good condition. Otherwise, you may be charged for excess wear and tear. You may also be charged additional fees for excess mileage and unapproved modifications, if any. If you decide to end the contract early, you might need to pay an early termination fee.

Read More:

What to Do during a Tire Blowout and How to Avoid Crashing?

Pros of Buying a Car

You own the car:
 When you buy a car, you own it outright and it becomes an asset, albeit a depreciating one. You’ll also form a long-term bond with your car – something you can’t really do when you lease it. You can keep it for as long as you want and sell it at any time, or even give it to a family member. And if you do decide to sell it, you can still get some money back.

Lower monthly payments:
 Even if you take a five-year loan on your car, you would have lower monthly payments compared to if you leased it. This, of course, doesn’t include servicing and paying for unexpected major repairs. However, most cars you buy are covered by a warranty, including CARSOME Certified cars, which have a
one-year warranty
.

You have total control:
 Since you own the car, you can drive it as much as you want and modify it in any way you see fit, though keep in mind some modifications may void your warranty.

No special fees:
Aside from unexpected repairs, there are no special fees when you buy a car. You won’t be charged for excess mileage, additional wear and tear, or if you need to let go of the car early for any reason. Some used car dealers may charge additional fees but at CARSOME, we’re always upfront and don’t charge any
hidden fees
.

Cheaper insurance:
When you buy a car, the insurance goes down every year provided you don’t claim from it. When you account for the reduced insured value of the car and the
no-claim discount (NCD)
 on the insurance, you can save quite a bit on insurance the longer you own your car.

Cons of Buying a Car

Depreciation:
 New cars generally
depreciate
 between 15 to 35 percent after the first year. If you like to change your car every few years, this is a disadvantage. However, if you plan to keep your car for years, its depreciation shouldn’t matter as its service to you will most likely make up for it. On the other hand, if you decide to buy a used car, it would’ve already gone through the worst of its depreciation.

You need a bigger down payment:
 Purchasing a car requires a down payment typically amounting to 10 to 20 percent of the car’s value. The upfront fee of leasing a car in Malaysia is usually significantly lower than that.

You’re responsible for repairs:
 When you own a car, you’re responsible for taking it for its
scheduled maintenance
 and for any unexpected repairs. Outside of the warranty period, you’ll have to bear the costs on your own.

More effort to upgrade your car:

Upgrading a car
 you own involves more work as you’ll need to look for a suitable buyer or trade it in. That being said, pre-owned car platforms such as
CARSOME
 can take your car at a reasonable price and even handle all the paperwork for you.

Restricted technology:
 Unless you upgrade your car after a few years, you can’t enjoy the latest technology and features. Until you upgrade, you’ll have to deal with dated styling and safety features.

Criteria

Leasing

Buying

Ownership

No ownership – you pay to drive the car for a set timeframe.

You own the car and can keep it for as long as you want.

Monthly Payments

The monthly payments are usually higher than loan payments as the fees go towards maintenance, insurance, etc.

Lower monthly loan payments but these don’t include maintenance and other additional costs.

Customization

You’re not allowed to customize a leased car as you have to return it the way you received it when the lease ends.

You can customize the car to your heart’s content since you own it.

Maintenance

The leasing company usually handles all the maintenance and repairs.

You’re responsible for maintaining and repairing your own car.

Depreciation

The leased car doesn’t depreciate but as you’ll have to return it, you won’t have any asset to your name.

The car depreciates in value but you’ll still own it at the end of your loan tenure and you can decide to sell it.

Additional Fees

There might be additional fees to pay when you return the car such as for excessive wear and tear.

There are no additional fees when you buy a car other than unexpected repair costs.

Early Termination

Ending your lease early will incur a fee which should be detailed in the leasing contract.

You can sell your vehicle at any time, though you might need to top-up a bit of money to settle any loan balance.

Long-Term Cost

The long-term cost will eventually surpass that of buying a car if you keep renewing your lease.

There’ll be no more monthly payments once you settle your car loan.

Mileage

There’s usually a mileage limit on a leased car but you can pay extra for a higher limit.

You can drive as much as you want, though a lower-mileage usually contributes to better resale value.

Technology and Features

Since you have the option of upgrading your car every few years, you can always drive a new car with the latest features.

You’re restricted to your current car’s technology until you purchase a new car.

So, Should You Lease or Buy a Car?

If you’re unsure whether you should lease a car in Malaysia or just buy one, you first have to assess your goals, finances, and driving habits. Think about how much you can afford, how much you drive every month, and also if you want to own a car long-term.

Here are some scenarios where you may want to consider leasing over buying a car.

You want to upgrade your ride after every two or three years and don’t want the hassle of settling your car loan and buying a new car.

You want a short- to medium-term car that you can drive without worrying about the upkeep and return when you no longer need it.

You’re an expat who has difficulty securing a car loan, or you’ll only be in the country for a few years.

And here are reasons to buy a car instead of leasing one.

You want a long-term vehicle and prefer to own it yourself.

You plan to buy a reliable car with affordable maintenance, repair, and spare part costs, such as cars from Perodua, Proton, or Toyota. In this case, you’ll probably save a lot more thanks to the car’s reliability.

You plan to do a lot of driving be it for work, vacation, or e-hailing.

Whether you decide to buy or lease a car, make sure you’ve considered your needs and lifestyle. That way, you’ll have an arrangement that truly works for you.

If you’re looking to own a quality, affordable car, visit
CARSOME
 to browse our large selection of cars from over 20 brands. We offer assurance of quality with every car courtesy of a 175-point inspection, professional refurbishment, a five-day money-back guarantee, and a one-year warranty.

Find your dream car on
CARSOME
 today or download our app from the
Google Play Store
 or
Apple App Store
.


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Car Tips
Tips for Keeping your Car’s Leather Soft and Supple

By

Amarnath

In this day and age, car leather seats are often considered the bare minimum in expressing a carmaker’s desire to have said vehicle considered luxurious. Once reserved for the upper echelons of premium vehicles, leather seats and upholstery have trickled down into even entry-level models.

Car leather seats are plush and cosset you in a way that fabric just can’t. Nonetheless, unlike fabric seats, they do require a little extra tender loving care to retain the soft and supple feel as well as prevent discoloration and cracking.

Just like our skin, leather can turn dry and brittle with prolonged exposure to the heat and UV rays in our tropical weather. However, just like our skin, leather can be reconditioned to retain its soft finish and keep it looking fresh.

Experts in interior car care recommend conditioning your car leather seats and upholstery every three months. Fortunately, it is a rather easy process and you can even whip up your own conditioning mixture with household items if you want to save a little money.

Before we delve into that though, we’ll cover a little on some easy preventive measures to extend the lifespan of your leather interior. After all, prevention is better than cure, and not to mention fixing damaged leather seats will leave quite a hole in your pocket.

Preventive measures

Park in the Shade

The sun’s UV rays are extremely harmful to your leather interior. Not only will the rays dry the surface and cause cracking, it will also lead to discoloration. If possible, always park in a shaded area to prevent prolonged exposure to UV rays and your car leather seats will be grateful.

Use a Sunshade

The bigger the glass surface area, the more UV rays will enter your cabin and hit the leather seats. Use a sunshade when parked under the sun to reduce the amount of exposure to rays in the cabin.

Read More:
 How to Clean & Disinfect Your Car’s Cabin at Home

Lower the Window Slightly

At the same time, extreme temperatures in the cabin will dry out the leather seats. The heat from the sun reflects on the glass surface from inside and causes the cabin’s temperature to spike above the ambient temperature by up to 15 degrees Celsius. Lower your windows slightly to help equalize the temperature inside.

Tint the Windows

A
quality tint for the windows
 can reduce the amount of UV rays that enters the cabin. This will result in a cooler cabin and less damage to the leather interior. Of course, a good tint can cost quite a bit of money but will be a solid investment in the long run.

The 5 Steps to Condition Your Car Leather Interior

Step 1 – Vacuum Loose Dirt or Debris

The first step here is also the easiest. Grab your vacuum cleaner and make sure to only use the handheld upholstery attachment with the soft bristles to avoid scratching the leather. This is done to clean up as much dirt as possible, seeing that applying the conditioner onto the surface with debris present will be akin to rubbing abrasive contaminants into your leather finish.

If there are stubborn stains present, you can try applying some talcum powder. The powder functions as an absorbent to draw the moisture away from greasy or damp stains. Additionally, cornstarch works best on stains that are still new or moist. Just leave the substances on the stain for a few minutes before wiping with a damp microfiber cloth.

Read More:
Wrap VS Paint: A Guide to Refresh Your Car’s Looks

Step 2 – Apply the Conditioner

After vacuuming, it is time to apply the leather conditioner. If the product comes in a spray bottle, apply quick bursts of it onto the surface from a distance of about 20cm away. If it is in liquid form, do not pour it onto the seat or surface but instead pour it onto a microfibre cloth and rub the cloth onto the surface.

Alternatively, you can even whip up your own homemade leather conditioner from household items.

The key ingredient is white vinegar. With a pH value of 2.4, it is an efficient, yet gentle acid that can clean leather. To create the solution, mix three parts of vinegar with one part of distilled water. The water will further dilute the acidity of the vinegar. Pour it into a spray bottle and apply it to the leather surfaces but be cautious not to leave it on for too long. Just a couple of minutes is more than enough.

Step 3 – Gently Rub the Conditioner into the Surface

You may use the same microfibre cloth that you applied the conditioner with or better yet, a new one. Delicately rub the conditioner into the leather surface in soft, circular motions. At the same time, the microfibre cloth will also be absorbing dirt and grime.

If you notice any stubborn stains, spray or pour a little more of the conditioner onto the microfibre cloth and gently rub the area until the spots are removed.

Once done, let the conditioner rest for two or three minutes.

Step 4 – Wipe Away Excess Conditioner

After allowing the conditioner to rest on the surface, use a microfiber cloth to gently wipe away the excess conditioner. This will also absorb any abrasive particles that were loosened during the earlier process.

Step 5 – Buff the Leather Surface for a Shiny Finish

For the final step, you should grab a clean microfibre cloth or flip the previous one onto its dry side and buff the surface for a glossy sheen that’s a sign of soft, supple leather. Buffing is akin to polishing the surface of the leather.

Although very time-consuming, this step allows the softening and hydrating agents in the conditioner to penetrate every nook and cranny of the surface. This will go a long way in preventing cracking or discoloration from UV rays.

Buy CARSOME Certified for Peace of Mind

Here at CARSOME, we believe in creating an end-to-end buying journey to eliminate the concerns common in a traditional used car buying experience.
CARSOME Certified
 is the new standard of buying pre-owned cars backed up by our
175-point inspection
 together with our
CARSOME Certified Refurbishment Process
. By creating a trusted used car ecosystem, CARSOME Certified guarantees trust, transparency, and choice.

Check out our CARSOME Certified Cars
here
.

Amarnath


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Buying A Car
Car Loan Got Rejected? Here’s How to Increase Your Loan Approval Chances

By

Devan S

Having your car loan application rejected by the bank can be disheartening, especially if you really need it for essential travel like daily commuting. However, it doesn’t mean that you have no chance of successfully applying for another loan. By understanding why your car loan was rejected, you can take steps to rectify your issues and improve the approval chances of future loan applications.

Here are the common reasons why car loans in Malaysia get rejected and what you can do to get your application approved.

Identify Why Was Your Car Loan Rejected

Firstly, it’s important to identify why your loan application was rejected before applying again. Different banks may have different requirements when you apply for a car loan in Malaysia. So if the bank did not give you any reason for the rejection, it’s a good idea to ask your banker or salesperson, and they should be able to find it out for you. Here are the most common reasons for your application to be denied.

Read More:

Car Loan Rejected as a Fresh Grad? Here’s Why & How You Can Buy Your First Car

Poor or No Credit Score

A credit score refers to the
Credit Tip-Off Service (CTOS) score
 that ranges between 300 and 850. It represents your creditworthiness and the likelihood that you will repay your debt, and is widely used by banks when assessing your loan application be it a property mortgage or car loan in Malaysia. CTOS obtains credit-related information from public sources such as the National Registration Department and the Malaysia Department of Insolvency to determine your credit score.

Image source: CTOS

Some information that CTOS looks at when calculating your credit score includes your payment history, other loans that you have, and your legal track record. While having a poor credit score is bad, not having one is equally damaging to your loan application. Without a credit score, the bank can’t assess your creditworthiness and is less likely to give you the green light, even if you earn well.

Income Issues

Most of the time, people think their applications get rejected due to insufficient income. However, your car loan can also be rejected if your income is irregular and hard to prove.

For instance, you may be a self-employed contractor who gets paid directly by your clients, makes good money, and may not have payslips or proper documentation of your income. In this case, you might need to provide proof of income and bank statements for the previous year, as requested by your lender. If your statements don’t match your claimed income, there’s a high chance of your application being denied.

Let’s say you’re a salesperson who relies on commissions, the lender might request several months’ worth of payslips to confirm that you’re getting a steady income. If your income looks sporadic, you might get rejected.

High Debt Service Ratio

The debt service ratio (DSR) is the ratio of your debts to your household income. Basically, it’s a measure of how much you owe compared to your income each month. Lenders use this ratio to determine if you can stay on top of your payments upon approval of your loan. Here’s how to calculate your DSR.

If your DSR is too high, your car loan application is more likely to be declined. Most banks prefer you to have a DSR of 30 to 40 percent before approving your loan, though some may have a higher DSR limit.

Incomplete Documents or Information

When you apply for a car loan in Malaysia, you’ll need to provide various documents and information to the lender including your address, payslips, bills, and bank statements. This is mostly to prevent fraud and determine if you are a genuine applicant.

Each lender may have its own requirements regarding how you submit the information and in what format. If the information you provide doesn’t match your documentation or is incomplete, there’s a higher chance of your application being rejected.

Read More:

5 Best CARSOME Certified Cars Under RM30,000

You Have Too Many Pending Loan Applications

It’s common for buyers to “shop around” and apply for multiple car loans at once to have a higher chance of securing a loan. However, this practice can actually backfire and cause your applications to be rejected.

When banks assess your car loan application, they can check to see if you’ve applied for other loans. And while there’s nothing wrong with applying for multiple loans, having too many applications on your name may raise red flags on your authenticity. Keep your applications to two to three lenders at a time to avoid this risk.

Short-Term Strategies to Secure a Car Loan

Once you have identified the reasons why your car loan was rejected, you can come up with a plan to improve your credit score and make it easier for you to secure loans. Here are some short-term actions you can take that can make your application look better and may even help you score a loan.

Get Pre-qualified with Other Lenders

When you get pre-qualified for a loan from a particular bank, you can know the loan amount and interest rate you are eligible to get from that bank. You can use this information to help you choose the car that better suits your finances or even negotiate with other banks. Getting pre-qualified doesn’t involve locking in the rates and terms though, and they might change if you leave too much of a gap before finally applying for the loan.

To find out how much you can pre-qualify for, simply visit a bank and enquire about how much you can borrow based on your credit score. Before you buy a car from CARSOME, you can get a
pre-approved car loan
 which means you can secure a suitable loan first based on your income. After getting pre-approved, you can then select the car you want based on the loan amount that’s approved for you.

Read More:

Benefits of a Pre-approved Loan and How to Get It

Get a Guarantor

A guarantor is someone who is obligated to pay any outstanding debt if the principal borrower of the loan (the applicant) defaults on the loan. By having a strong guarantor in your loan application, you’re more likely to succeed in your application, as you can show the bank that you have a safety net in terms of paying back the loan.

Just like how the bank assesses you, the borrower, it will also assess the guarantor’s income, credit score, DSR, and more when reviewing your application. If the guarantor’s creditworthiness is acceptable, you have a much better chance of having your car loan approved.

Remember that having a guarantor is not a ticket to buy a car without paying the loan. You should only choose a car that you can afford, so as to avoid defaulting on your loan and burdening your guarantor.

Increase Your Down Payment Amount

If the issue is that your loan amount is too high, you can most probably fix it by reducing the loan amount you’re applying for. And one way to do that is to pay a larger down payment on the car. If you can’t acquire the amount you need immediately, you might need to save for a few extra months to accumulate the necessary down payment. That being said, if you require a car urgently, it might be a better idea to consider cheaper options, such as a
pre-owned car
.

Apply from Other Lenders

Being rejected by one bank doesn’t mean that all banks have the same view of your creditworthiness. It might just mean that you don’t suit the specific requirements of that particular bank. If you believe you have good finances and have done everything you need to improve your credit score, you can approach two or three other lenders to apply for a car loan.

Long-Term Strategies for Future Loan Applications

If your car loan rejection is due to your financial profile, you may need to spend more time improving it before you can successfully apply for loans. Here are some long-term strategies you should take to make it easier for you to borrow in the future.

Read More:

How to Transfer Car Ownership in Malaysia at JPJ & Online

Improve Your Credit Score

A good credit score is important to help you secure loans, and there are several ways to improve it.

Build credit history:
 If you don’t have existing loans or credit cards yet, it’s a good idea to apply for a credit card to build your credit history. Just remember to pay the credit card charges on time every month. You can also apply for other types of loans and be punctual with your payments. Over time, these will help improve your credit score.

Get up to date with payments:
 If you are behind on payments on your credit card or other loans, you should do your best to get up to date with them. While it can be challenging to settle your outstanding debt, you can try to allocate more money each month to bring your account payments up to date. You can also contact your lenders to work out a new payment plan or do a balance transfer of your existing debt.

Reduce your debt:
 Any existing loan you have affects your DSR. By reducing your debt, you’ll improve your DSR and free up more income which you can use to pay for a new loan. If you have existing loans, you can pay them off in a lump sum and reduce your overall debt. You can also
refinance
 your existing loans if there are more affordable loans on the market with lower interest rates.

Increase Your Income

The next best thing you can do for your creditworthiness is to increase your income. That may be easier said than done but it’s important to think about especially if you plan on purchasing property, upgrading your car, or saving up for your kids.

If you foresee that there will be major changes that can reduce your income, such as starting a new career or furthering your education, it’s best to have your loan approved first and then set up a plan for paying off your loan before starting your new venture.

Choose CARSOME for Quality, Affordable Cars

If you’re looking for a quality car, check out
CARSOME
. We put all our cars through a 175-point inspection to rule out major accident and flood damage, and even professionally refurbish them inside and out.

We do all this to give you safe, reliable cars at affordable prices. To help you finance your dream car, we can even help you with your
car loan
 to ensure you get the best loan possible.

Not only that, all CARSOME Certified cars come with fixed prices with no hidden fees, a five-day money-back guarantee, and a one-year warranty for extra peace of mind.

Visit
CARSOME
 or download our mobile app from the
Google Play Store
 or
Apple App Store
 to find your dream car today!

Devan S
Devan believes written content is here to stay despite our depleting attention span and the rise of short videos. He loves four and two-wheeled vehicles, and movies of all makes and models.


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Car Tips
A Guide to Car Loans & Interest Rates in Malaysia

By

Haziq Asyraf

Buying a car is a large commitment because of those hefty price tags, but it is a necessity for some. When you finally decide on your
 choice of buying a car
 –  new or used –  you have two main options when it comes to paying the price; you can fork out cash-on-hand, or purchase it with a car loan also known as a hire purchase loan.

But when it comes to getting a car loan, many (especially first-time buyers!) do not fully understand how it works.
So, to help you understand how car loans in Malaysia work, here is a basic guide on car loans including the interest rates from local banks like Maybank and CIMB
.

Table of Contents

What Is a Car Loan?

Basic Car Loan Terms to Understand

So, What Are the Documents Required for a Car Loan in Malaysia?

How Does a Car Loan Work in Malaysia?

Car Loan Installment & Interest Rates

Car Loan Calculator

Check out These Helpful Tips to Get Your Car Loan Approved

Malaysia Car Loan FAQ

What Is a Car Loan?

A car loan in Malaysia is a type of loan that is
taken to buy a car
. By taking up this loan, an individual is tied down to a formal written agreement where the borrower (car buyer) is indebted to pay the loan amount plus interest to the lender (banks, financial agents, etc.) over a specified period of time.

For most of us, getting a car loan is unavoidable as most people wouldn’t have enough cash for it. However, do note that if you fail to keep up with the loan payments, it may result in the
car being repossessed
 by the lender.

Basic Car Loan Terms to Understand

Here are some basic car loan terms you should know before we dive deeper into this topic.

Interest Rate
:
This is the price you pay to borrow money from the bank. The car loan interest rates in Malaysia depend on the base rate that is provided by the bank, which can go up or down depending on the country’s economy and decisions by Bank Negara.

Down Payment
: The upfront payment for the car that covers part of the cost.  It is usually 10 percent of the total cost for new cars and 20 percent for used cars.

Margin of Finance
: The proportion of the car’s cost that the bank will lend to you. Basically, this refers to how much the bank will be financing your car’s cost.

Loan Period
: The total amount of months or years taken to pay off your loan.

Installment
: The amount that you need to pay monthly to the bank to clear off your loan.

Guarantor
: Someone who is bound legally to pay off your loan if you are not able to do it.

Repossession:
 The lender (bank) takes away the car from a borrower when the latter fails to service the car loan installments in two consecutive months.

So, What Are the Documents Required for a
Car Loan in Malaysia?

Here are the requirements and general documents you will need for a car loan application.
 But keep in mind that some banks may require additional documents when you apply for a loan.

Government Employees/Civil Servants

Eligible for those 21 years old and above

Valid Malaysian IC (for Malaysians) & driving license

Latest three months payslips

Latest bank statement (depending on the bank)

Private Sector Employees

Eligible for those 21 years old and above

Valid Malaysian IC (for Malaysians) & driving license

Latest three months payslips

EPF or bank statement

Self Employed Individuals

Eligible for those 21 years old and above

Valid Malaysian IC (for Malaysians) & driving license

Latest six months bank statement

Copy of Company Registration (SSM)

Graduate/Young Professional Scheme

Eligible for those aged between 18 and 30

Valid Malaysian IC (for Malaysians) and driving license

Job Offer Letter (for applicants who’ve been working for less than three months)

A certified copy of degree/diploma certificate

Latest three months payslip

Latest bank statement (depending on the bank)

How Does a Car Loan Work in Malaysia?

Generally, there are two types of car loans.
The interest rates may vary between these two
as it depends on the base rate, the bank you choose, and if you are getting a new car or a used car.

Two main types of car loans:

Fixed rate loans:
 The interest rate and monthly installments stay the same throughout the loan period.

Variable rate loans:
 The interest rate is pegged against the Base Lending Rate (BLR). The BLR is a rate determined by the bank on the cost of borrowing money that will be lent out.

Banks typically provide you a margin of finance up to 90 percent, while the rest is considered as your down payment.  But if you can afford it, paying a higher down payment will lessen your principal loan amount and interest.

Read More:
Car Loan Rejected as a Fresh Grad? Here’s Why & How You Can Buy Your First Car

Another factor that might affect your installment and interest is the loan period. In Malaysia, the maximum repayment period for a car loan is nine years. The longer you stretch the repayment period, the less installment amount you’ll pay per month, though at the expense of incurring more interest over the long run.

Example:
 You take up a RM 70,000 car loan with an interest rate of 3.5 percent.
 The table below shows the total interest that will be accrued
, as well as your monthly installment.

Loan Period

3 Years

5 Years

9 Years

Monthly Installment

RM2,148.61

RM1,370.83

RM852.31

Total Interest

RM7,350

RM12,250

RM22,050

Do take note that car loans with a margin of financing of 100 percent do exist. Full loan financing is offered only by very few lenders and for specific buyers such as first-time car buyers.

Car Loan Installment & Interest Rates

The installment and interest rate that is calculated for your fixed-rate car loan is determined by these values:

Loan amount;

Loan period; and

The interest rate.

These are the formulas used to determine the total interest, monthly interest, and monthly installment for your loan.

Your total interest
 = interest rate/100 x loan amount x loan period

Your monthly interest
= total interest / (loan period x 12)

Your monthly installment
= (loan amount + total interest) / (loan period x 12)

Let’s circle back to the same example where your car loan is at RM70,000 with an interest rate of 3.5 percent and a five-year loan period. Here is how your total interest, monthly interest and monthly installment will be calculated based on the formula above.

Total Interest:
3.5% x RM 70,000 x 5 = RM 12,250

Monthly Interest
 = RM 12,250/ (5×12) = RM 204.16

Monthly Installment
 = (RM 70,000 + RM 12,250) / (5×12) = RM 1370.83

Car Loan Calculator

Car hire purchase
 interest rates in Malaysia differ according to different factors which include the brand, model, the car’s age (new or used), the financial status of the borrower, the total loan amount, the repayment period, and the borrower.

So, it is always a good idea to make comparisons between several legal and official lenders to find the car loan with the lowest interest rate and terms that satisfy your needs. The easiest way to do that is by using a calculator like this
used car loan calculator
.

Here is a list of the car loan interest rates* in Malaysia for new and used cars from the ten major banks.

Bank

New Car Loan Interest Rate

Used Car Loan Interest Rate

RHB Bank

3.18%

Unavailable

Public Bank

3.31%

4.1%

Maybank

3.40%

4.25%

Hong Leong Bank

3.24%

3.78%

CIMB Bank

3.755%

4.45%

Bank Muamalat

2.95%

Unavailable

Bank Islam

2.35%

Unavailable

AmBank

3.05%

3.66%

Affin Bank

2.92%

3.00%

BSN

3.00

3.80%

*Based on individual bank’s hire purchase loan information

Check out These Helpful Tips to Get Your Car Loan Approved

Here are some things you should take note of if you don’t want your application to get rejected.

Determine what you can afford based on your monthly income:

This is the most important aspect of the car-buying process. You need to know the type of car you need and how much you can afford. The rule of thumb is to only spend 20 percent of your income on your car loan.

Check your credit score
: For those with a clean or non-existent credit history (zero loans and credit card payment record), the chances of your car loan being approved by the bank are very low.
For starters, you need to build a credit history for a minimum of six months such as by getting a credit card. This will show the bank that you can be a good paymaster.
For those with a poor credit history, you need to rectify your repayment habits by paying your loan or credit card on time, or in full because a poor credit score will lower your chances of getting your car loan approved.

Compare car loan interest rates:
Since banks have different terms and interest rates for new and second-hand car loans, it is important to research their interest rates. You can also apply to multiple banks and pick out the best offer.

Get a guarantor:
 If your credit score is low or non-existent, you can get a guarantor to strengthen your application. The guarantor, who is typically a close relative, will assume the same risks as the borrower.

Always remember, when it comes to getting a car, you should also take into consideration all the other costs that might come up along the way. These costs include petrol, maintenance, repair, road tax, insurance, parking, and travel costs such as highway tolls, among others. So, make sure you consider these costs when budgeting a car!

Also Read:
Everything You Need To Know About Car Insurance In Malaysia

Malaysia Car Loan FAQ

What is the minimum downpayment required when buying a car?

The minimum downpayment is usually 10 percent of the car’s purchase price for new vehicles and 20 percent of the price for used vehicles. However, a lender may require a higher down payment or offer promotions with a lower or even zero down payment requirement.

2. Can I change the monthly installment amount if I have financial difficulties?

If you are unable to pay your installment due to financial difficulties, you can discuss the matter with your bank. Do note that the decision to modify your loan payment terms is up to the bank’s discretion.

3. Do I still need to pay the monthly installments if my car is stolen?

Yes, because your loan does not cease with the theft of your car. However, you may claim the losses from your insurance provider, up to the market value of your car or the sum insured, whichever is lower. You can then use this insurance claim to settle your loan with the bank.

4. Can I keep my car grant or vehicle ownership certificate (VOC) so I can renew my motor insurance and road tax?

The lender will keep the VOC until the loan has been settled in order to avoid potential inconveniences stemming from card damage, misplacement, or theft. Most banks will provide insurance and road tax renewal services to their borrowers, so you can apply for the renewal directly from your lender. Alternatively, you can apply for a motor insurance and road tax renewal

5. How do I retrieve the vehicle ownership certificate (VOC) from the bank after I have settled my car loan?

Once you have settled your loan, you can call the bank to confirm that it has been settled and to find out at which branch your VOC is kept. You can then visit the particular branch to collect it.

If you’re looking to buy an affordable, quality car, do check
CARSOME
 out. All our cars are thoroughly inspected at 175 points to ensure they’re free of major accident, flood, and fire damage.

Additionally, you can expect a fixed price with no hidden fees, five-day money-back guarantee, and one-year warranty.

Find your dream car on
CARSOME
 today or
download our app
.

This content was originally published on 21/4/2021. It has been updated for freshness, accuracy, and comprehensiveness.

Haziq Asyraf
A self-proclaimed foodie and gamer whose passion for food and games has recently extended to cars.


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Car Tips
Follow These Car Usage & Maintenance Tips to Extend Your Car’s Lifespan

By

Devan S

Purchasing and owning a car can be expensive, and understandably, we all want our cars to last as long as possible so the money spent on it is worth it. That said, our cars serve us daily and are subject to significant wear and tear both on the mechanical parts as well as on the exterior and interior trim. It’s inevitable that your car’s condition will decline over time but you can slow down the wear and tear on your car by following some basic car maintenance tips.

If you’ve been wondering how to take care of your car so it serves you for as long as possible, we’ve got all you need to know.

1. Observe a Proper Break-in Period

Everyone wants a car that remains in top condition for as long as they own it. And the first step to do that when you buy a new car is to follow the break-in or run-in instructions provided by the manufacturer. Since the components in the car are new, driving more gently in the beginning will help the parts adjust and last longer.

Typically, manufacturers will advise that you keep the engine revs to below 3,000 revolutions per minute (rpm) for the first 1,000 km and the speed to below 100 km/h, though be sure to refer to your owner’s manual to be sure.

Avoid sudden acceleration and braking as these will stress the engine components and brakes, thus wearing them out faster.

2. Park in the Shade

The heat and UV rays from our hot tropical sun can damage your car’s paint and interior, causing them to lose their luster and even crack over time. Fortunately, an easy car care tip to avoid sun damage is to park your car in the shade whenever possible.  If you can’t do so, you can use window shades to protect your dashboard and interior surfaces from the sun’s rays and keep your car cooler for when you get back to it.

Another thing you can do is to use a car cover. This will protect your whole car from the sun, moisture, dust, bird droppings, and items that might scratch your car such as pebbles and tree branches.

Read More:
Tips to Keep Your Car’s Paint Shining On a Budget

3. Clean the Interior

A simple but effective car maintenance tip that keeps your car looking new for years is to
maintain its interior
. Be sure to vacuum and wipe down the interior surfaces every time you wash your car. Food particles and spilt drinks will attract insects and promote bacterial growth, which can lead to unpleasant odors, so pay attention to gaps in the seats and under the floor mats.

Use the right vacuum wand head according to the surfaces you’re vacuuming so you can clean more effectively. To clean the plastic surfaces, wipe them down with a mild solution of soap and water on a soft cloth. You can also use car interior cleaning solutions specially formulated for different materials.

4. Maintain Your Leather Upholstery

Many car owners are usually unsure of how to maintain their car’s leather upholstery, and while leather seats are easy to clean and durable, they can still become soiled and damaged after a few years. If you often park in the hot sun and leave your upholstery unprotected, it can form cracks over time.

Before you vacuum your upholstery, make sure the tip of your vacuum wand has no rough surfaces that can scratch the leather. Then, use a leather cleaner to remove stains and apply some car leather protectant to protect the leather from stains and make it easier to clean in the future. You can also use three-in-one leather cleaners that remove stains, condition, and protect your upholstery while helping you save time.

5. Fix Windshield Chips Early

Small windshield chips can develop into large cracks which, on a bad day, can lead to your windshield shattering. So if you notice small chips or cracks in your
windshield
, take your car to a windshield repair shop.

It’s a lot cheaper than replacing the windshield and it keeps the damage from spreading, thus restoring the visual clarity and structural integrity of your windshield. It’s generally agreed that chips of 2 cm in diameter and cracks of up to 30 cm in length can safely be fixed, but always check with the repair shop before you do it.

6. Clean Your Engine Bay

One car care tip that will help your car run better for longer is to clean the engine. The grime and grease on the engine can trap heat, causing the engine to run hotter. Plus, a clean engine makes it easier for you to service it and check for leaks. Remember to work in a shaded area or when it’s cool outside as the cleaning solution can dry up fast when it’s hot out.

Before you start, use plastic bags to protect sensitive parts from water. These include the alternator, fuse box, distributor, air filter and intake, and other exposed electronics. Use a degreaser or soap water and several different-sized brushes to scrub the outer surface of the engine and its components. Then, rinse it down with low-pressure water to avoid getting any water into the engine, and wipe the surfaces dry with a clean cloth.

7. Maintain Your Battery Regularly

Most people don’t consider the
batteries
 when thinking of how to take care of their car, especially since most cars now use dry-cell (maintenance-free) batteries. However, a dry-cell battery still needs some maintenance and you can do that by keeping it clean. Besides checking the battery voltage every time you service your car, keeping the battery terminals clean can prevent voltage from leaking, further increasing your battery’s lifespan.

First, wipe the battery case with a damp cloth, and if necessary, use a mild detergent. Keeping the battery case clean can prevent grease and corrosion from developing on the terminals.

Next, loosen and remove the negative terminal (with the black cable or minus sign) and then remove the positive terminal (with the red cable or plus sign).

Use a battery terminal brush, a toothbrush, or any small brush dipped in a cup of water mixed with a tablespoon of baking soda to brush the battery posts and terminal until they’re clean. Once done, wipe them dry with a clean cloth.

Inspect the battery case and cables for damage and corrosion. If you have frayed or damaged wires, you need to replace them immediately. You can purchase replacement car battery wires from auto spare parts shops and on e-commerce sites, and it’s fairly easy to replace the wires on your own, but you can always get a mechanic to do it for you if you’re not sure how.

Lastly, reinstall the positive cable followed by the negative one, and spray a thin coating of WD-40 to prevent corrosion.

8. Protect Your Paint with Wax

You might wash your car often enough but to properly protect your car’s paint job, waxing it is your best bet. Car wax forms a barrier on the surface of the paint, protecting it against dirt, pollution, bird droppings, and oxidation, helping your car look better for longer.

You can choose from three types of car wax – paste, liquid, and spray wax. Paste wax provides the best shine and protection against the elements but requires the most time to apply. Liquid wax is easier to apply and lasts longer – up to a year. And while it doesn’t give as good a shine as paste wax, it still provides good protection.

Spray wax is the easiest to apply on your car as you only need to spray it on and wipe it off. That being said, it doesn’t provide as much protection and lasts about one to three months. To apply wax on your car, simply follow the instructions on the packaging.

Read More:
Car Polish or Wax – How to Maintain Your Car’s Shine

9. Be Mindful of How You Drive

One of the best habits to have when it comes to maintaining your car is to drive with care. By being mindful of how you drive, you will put less stress on all your car’s components and slow down the wear and tear. Here are the driving tips you can follow to place less stress on your car:

Don’t rev your engine right after start-up:
 Since the engine temperature is still low and the engine oil hasn’t had enough time to circulate in the engine, high revving after start-up can cause excessive friction and damage your engine.

Accelerate slowly after start-up:
 Doing this allows the engine and engine oil to slowly get up to optimal operating conditions, thus reducing friction.

Avoid idling to warm up your engine:
While older cars with carburetors needed time to warm up, modern cars with fuel injection can be driven immediately after start-up. In fact, idling can damage your engine as it takes longer for the engine to reach operating temperature, resulting in more incomplete combustion.

Avoid heavy acceleration and braking:
 Sudden acceleration and braking put more stress on your car’s components. It might also cause uneven wear and tear leading to more frequent trips to the mechanic. Plus, aggressive driving will increase your fuel consumption.

Combine multiple errands in one trip:
 Most of the wear and tear on the engine and drivetrain happens in the first few minutes of driving. By consolidating your short driving trips, you can start your car less often, thus reducing wear and tear.

Read More:
Stop Driving On An Almost-empty Fuel Tank Or Risk Damaging Your Fuel Pump

10. Use the Right Type of Fluids

An important car maintenance tip is to not only change your car’s fluids on time but to use the right type of fluids.

Engine Oil

When choosing the right engine oil, follow the viscosity recommended in your owner’s manual so you get optimal lubrication in your engine. If you use oil that is too thick, the engine needs to work harder. This generates more heat and consumes more fuel. If you use oil that is too thin instead, there won’t be enough lubrication in the engine, leading to more wear and tear.

Transmission Fluid

When changing your transmission fluid, make sure you know what kind of transmission you have. There are now more variations of the automatic transmission with the most common being the conventional automatic transmission, dual-clutch transmission (DCT), and continuously variable transmission (CVT). Each type of transmission requires its own lubricant to function well, so pay attention when you replace your transmission fluid.

Coolant

Most cars only require a coolant change every 40,000 to 60,000 km, so it’s not something we often think about when maintaining our cars. That being said, each car has its own coolant requirements so be sure to check your owner’s manual for this requirement. If you need to top up your coolant at any point, don’t mix coolants of different colors as they may have different formulations that could react with each other to damage your radiator and cooling system.

Trade In Your Car with CARSOME

With these simple car care tips, we hope you now know how to take care of your car so it lasts as long as possible. If you’re looking to upgrade your car, just
trade it in with CARSOME
 and enjoy up to a RM1,500 discount on the car you buy. We have over 1,000 cars from up to 30 brands to choose from, so we’re sure you’ll find the right car for you. Just book an inspection to
sell your car
 with CARSOME and we’ll handle everything for you.

When you
buy your next car
, know that the CARSOME promise is here to give you peace of mind. Each CARSOME Certified car comes with a fixed price and no hidden fees, a five-day money-back guarantee, and a one-year warranty.

Visit
CARSOME
 now or download our app from the
Google Play Store
 or
Apple App Store
.

Tags
Car Tips