Car Finance and Loans

Buying a car is not a dream in today's world market. Nowadays the dream about car can come true by easy methods like buying through financing and loan. All the credits goes to multinational companies and various private sector banks. All these measures initiate the human dream with innovative service offerings and incentives. This facility can be available throughout the country for the purchase of both new and second-hand cars.

Notable Features of Car Finance

• Banks pay up to 90% of the cost of the new vehicle.
  
• In case of used vehicles, banks finance up to a maximum of 85% of the value of the car.
  
• Generally public sector banks offer lower rate of interest than the non-banking finance companies.
  
• Usually the interest is calculated on a monthly reducing balance.
  
• The banks offer a repayment tenure of 12 to 60 months.
  
• Few institutions even offer 7 years repayment period.
  
• A salaried person can borrow up to 3 times of the annual salary.
  
• A self employed individuals can borrow up to 6 times of the annual income.
  

Required Documents:

• Application Form
  
• Photographs
  
• Proof of identity
  
• Proof of income of last two years
  
• Proof of Residence
  

Take Note

• The income of spouse can be clubbed to increase the loan amount.
  
• Terms and conditions for prepayment of the amount need to be clarified before agreement
  
• Try to consider taking loan where there is no penalty of prepayment.
  

List of Companies offering Car Finance

• Ashok Leyland Finance
  
• Bajaj Auto Finance
  
• Kotak Mahindra Primus
  
• Sundaram Finance
  
• KTDFC
  

Car Loans from Banks

• HDFC BANK
  
• SBI
  
• AXIS BANK
  
• ABN AMRO
  
• KOTAK BANK
  
• BANK OF BARODA
  
• TATA
  
• ALLAHABAD BANK
  
• ICICI BANK
  

Car Loan Tips

• Compare per month emi and processing fee.
  
• Discounts and other free bees.
  
• Check for whether your bank has tie up with The car Dealer of your choice.
  
• Any discounts on Car Insurance.
  
• Documents required and disbursal period.
  

www.surfindia.com/automobile/car-finance.html

Mercedes Benz Cars in India

Mercedes-benz cars came into existence in India during 1994 in collaboration with Telco. Benz cars have been considered to have a wealthy and royal customers. The cost of Benz car is enormously high when compared to other branded cars. It is considered to be the luxurious car in the world.
Mercedes Benz Models with their Prices

Model	Price
Mercedes Benz C -Class (Sedan)	Rs.32,50,768
Mercedes Benz E -Class (Sedan)	Rs.41,85,948
Mercedes Benz CLS Class (Sedan)	Rs.76,31,004
Mercedes Benz S-Class (Sedan)	Rs.93,74,913
Mercedes Benz SL-Class	Rs.1,30,78,614

PORT OF SOUTH LOUISIANA

Port Name : Port of South Louisiana
State : Louisiana
Total Trade : 224,187,322
Foreign Imports : 40,087,413
Foreign Exports : 64,683,390
Foreign Total : 104,770,803
Domestic Total : 119,416,519

The Port of South Louisiana is the largest volume shipping port in the Western Hemisphere and 9th largest in the world. It is the largest bulk cargo port in the world.

It extends 54 miles (87 km) along the Mississippi River between Louisiana" class="mw-redirect">New Orleans, Louisiana and , centering approximately at LaPlace, Louisiana, which serves as the Port's headquarters location.
This port is critical for grain shipments from the Midwest, handling some 60% of all raw grain exports.

T-90S

T-90S is one of the most advanced Russian tank that belong to the T-series. The main feature of this tank is firepower, mobility and protection. T-90S was built by Uralvagonzavod a factory located in Nizhnyi Tagil in Russia. This tank entered Russian armed force in 1992.

The tank can accommodate 3 people and it weighs about 46.5 tons. It has a -stroke V-84ms diesel engine with 849hp and the fuel capacity is 1,600l. The tank can move travel to a range of 650 km in the paved roads and 500 Km in unpaved roads. The speed limit is 65 km/h.

American Foreign Policy Center said that Russia is currently working on the tank to upgrade it to the new T-95 version. The features of the new version tank are:

Diesel-electric propulsion
135mm gun
360° sensors
ECM N
Network-capability
Pro-active electric reactive armor
Weight: over 55 tons
Ceramics-n-fiber armor
Virtual reality for the driver and gunner
2 crew members will man the tank
Autoloader for 3 different types of ammo.

London Transport Museum

The London Transport Museum or LT Museum is located in Covent Garden in London. LT Museum pursues to protect and explain the transport heritage of Britain's capital city. The museum covers all the aspects of the transportation in the city.

Within London the museum is operated from two different sites. The main site is the Covent Garden and the other site is in Acton. The main site has the name of its parent institution and is also suffixed by the Covent Garden. It is open to the public on all days. The museum has been recently reopened after two years of refurbishment.

The other site is called as London Transport Museum Depot. And it is open to the public on regular visitor days. This is principally a storage site.

London general omnibus company (LGOC) brought the first part of the collection to the museum at the beginning of the 20th century. This is the time the company started to preserve the buses that were retired from their service. After when LGOC was taken by the London electric railway the collection included the rail vehicles also. From then the museum started to expand.

Latest Automotive Technology

Cordless Heated Car Screen Ice Scraper - A company named "Maplin" has designed a cordless heated ice scraper for your car. Maybe it's because there are few things I hate more than scraping ice for 15 minutes in the morning, but I love the idea of this device. The electric ice scraper charges in a cigarette lighter socket, which charges the scraper for about 20 minutes at a time. This slices through ice on your window, making the process much simpler than it's been before. The device even comes with an LED light to help you if you're scraping ice before dawn.

iBreath Alcohol Breathalyzer - This device fits on your iPod or iPhone and lets you take your own alcohol level before you drive. Attach the device to your iPhone or iPod, blow into the breathalyzer and learn whether you could pass a breathalyzer test if you start down the highway. The problem I see with these is that someone impaired by alcohol probably won't have the wits about them to test their own alcohol level, but I suppose that this is for those that are near the legal level and not three-sheets-to-the-wind.

Houdini Automotive Escape Tool - This is a device to place in your car that helps out in a few key emergencies. The handheld device is made to help you break your windshield in case you're trapped in the car after a wreck. Also, it has a safe razor blade which cuts through seatbelts, if you are similarly trapped. Of course, the Houdini Escape Tool also has a flashlight and the ability to call 911. There is also a "Houdini Pro" for firefighters and police officers, which is simply a bigger, industrial strength version of the Houdini Automotive Escape Device.

Tips to buy a used auto

Many people have a dream of buying a car. For those buying a used car would be a high discount. Buying a used car has more useful benefits if they are carefully selected. Below are some of the tips to buy a used car.

Before going to buy the used car you must know some information about the used car. Try to know its protections available under the laws.

Choose a car that is really worthy. Search for a car based on the model and make. The search can also be made easier by looking for the year of manufacture, mileage given and your budget. Always never use a car by its external features and attractiveness of the car.

When applying for a car loan make sure that the used car is worth of the loan and is secure for comprehensive insurance.

Try to know the condition of the used car from the car dealer who is trying to sell it. Enquire about the condition of the major components of the car. Get the information about registration, repair, and accident details of the car. You can even get a help from the experienced and trusted mechanic to inspect the car and to estimate its cost.

Make sure that you get all the records and warranties of the used car from the seller as a written statement.

2009 Best 10 Cars

Below is a list of 10 cars that was best during the last year 2009.

BMW 3-series / M3
Cadillac CTS / CTS-V
Chevrolet Corvette
Honda Accord
Honda Fit
Infiniti G37
Jaguar XF
Mazda MX-5 Miata
Porsche Boxster and Cayman
Volkswagen GTI

Future dream car - Honda Civic Hybrid

In the market there are many car models that are available in the market that make the people go crazy. The one such model is the astonishing branded model car the Honda civic hybrid. This branded car has got the attention of all the individuals in the world. It is more 47% more fuel efficiency. The smart looking car has ultramodern body image and style. The interior and the exterior designs of the car are well designed in an amazing manner.

Sitting in the plush leather seats one cannot feel the pleasure of the car. The other stunning and stylish feather of the car is the powered windows, power mirrors telescopic steering, etc.

This wonderful car gives a luxurious and rocking driving experience by playing the favorite music with the help of the audio system.

Shipping a vehicle

If you are moving from one place to another or you have recently brought a car from aboard then you will surely need the help of an auto transport company. There are many auto car transport companies but you have to find an experienced one in shipping the vehicles.

The simple thing you can do is to hire an auto transport broker who will find a reliable driver and will take care of all the necessary arrangements for the transportation process.
Usually the auto car transport companies will provide a door to door service. In specific areas the huge trucks are not allowed inside, in such a case you can agree to pick your vehicle from a nearby location like parking lot, etc.

But there are three important things you need to keep in mind before you sign a contract with the auto car transport company. They are

1. Check about the vehicle insurance
2. Do not forget to remove the personal items
3. Do not take the guarantees too seriously

The 2011 Mazda5

2011 Mazda5 has been designed with the modern DISI1 petrol engine which can hold 2 liters of petrol. The car also has been fitted with i-stop, 6 speed manual transmissions with gear.

This new direct petrol system gives the car a linear and smooth performance and it is also a fun to drive. Using this car helps in the 15% reduction of CO2 emission to the others.

Electric Car that Can Power the Home

The car is named Grid charger and it is the brain child of designer Robert Marvin. This grid car is a high performance family car that runs silently with green energy.

To each wheel of the car there is an electric motor. The motors include a regenerative braking system so whenever the driver applies the break the power is generated. This is an interesting point to be noted.

It is noted that the vehicle appearance is like a steam turbine and is designed to have an aero dynamic of a super car. This grid charger is also fuel efficient. Since the steam turbine needs water the designer have decided to place a water tank at the back of the rear seat.

Though drive for a long time the car consumes only a low amount of fuel and when you park the vehicle outside your house it can be used to power it.

World's Smallest Twin Engine Airplane

The smallest twin engine airplane weights about 158 pounds and has a wingspan of about 16 feet. It runs on two 15 horse power engine and can travel at a speed of about 120 mph. The plane can also do aerobatics. The plane is named as Cri-Cri (this is a French word meaning cricket).

Prepare your car

Mechanic check your car on the following items:

The antifreeze levels should be checked to ensure that are enough to avoid freezing.

The battery and the ignition system should be good in condition and clean.

In the brakes check for the wear and tear levels and also for the fluids.

Check for leaks.

Check the fuel and air filters. Maintain a full tank of gas.

Make sure that the heater and the defroster work properly.

Check the lights and flashing hazards lights for serviceability

Check for oil level and weight.

Confirm that the thermostat work properly.

Fit a winter emergency kit in each car that includes:

• A shovel
• windshield scraper and small broom
• flashlight
• battery powered radio
• extra batteries
• water
• snack food
• matches
• extra hats, socks and mittens
• First aid kit with pocket knife
• Necessary medications
• blanket(s)
• tow chain or rope
• road salt and sand
• booster cables
• emergency flares
• fluorescent distress flag