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Just as many Malaysians can feel some relief that the severity of the COVID-19 pandemic seems to be diminishing, Bank Negara Malaysia (BNM) and the Association of Banks Malaysia (ABM) have dampened the optimism with the announcement that there will be additional interest charges for what was to be a 6-month moratorium on loans.

This is a u-turn from what we were told on March 25. Back then, it seemed that, understanding the burden on many people during this period, BNM directed all banks to automatically allow a 6-month moratorium on loans from April 1, 2020. That meant instalments for the months of April, May, June, July, August and September 2020 need not be paid as scheduled. No application was needed as the deferment would be automatic (unless the customer did not wish to accept it) and interest/late penalty charges would not be incurred.

The move was welcome because many people have faced financial challenges since the Movement Control Order (MCO) started and their incomes have been disrupted. Therefore being able to defer their loan repayments at least gave them some breathing space.

Sa;es
The total amount of the H-P loan and the interest to be charged for the entire period of the loan will have been agreed upon at the time of purchase. Now, if you decide to defer instalments for 6 months, you will be charged additional interest.

Click here for the FAQ from Bank Negara Malaysia

With the change which comes into effect from May 1, customers will not have an interest-free payment holiday from April to September 2020. Also important to note is that the banks now say that deferment will no longer be automatic H-P loans. Customers will be informed of the change and asked to confirm whether they want the deferment with the additional interest, or opt out and continue paying.

There is no penalty for opting out from May 2020. All the customer needs to do is inform the bank that payment of instalments will resume as scheduled in the agreement. BNM expects the banking institutions to allow borrowers ‘reasonable time’ to regularise any outstanding scheduled payments that were earlier deferred under the moratorium.

“BNM requires banking institutions to take appropriate steps to ensure that borrowers/customers are provided with clear information on the process and changes to the terms of their agreements, as well as convenient means to conclude these agreements in view of the movement control order.,” said a statement from BNM.

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The ABM’s statement said borrowers will have two options at the end of the moratorium. The first is to pay the accumulated 6 months’ deferred instalments together with their October 2020 instalment and no additional interest will be charged. That’s going to be very tough for most people to pay 7 months of instalments at one go.

The second option is to continue the repayment of instalments post-October 2020 through an extension of 6 months in the repayment period after the original date the loan repayment period ends. In this case, interest based on the contractual rate will be charged on the amount of the deferred instalments that remains outstanding until these instalments are fully repaid, which should be by the end of the extended 6-month tenure.

The additional interest will be spread out over the monthly instalments from October 2020 which may not be too bad if you have a few more years left to your loan. It is an unusual approach since H-P loans have a fixed amount of interest for the entire period.

The banks are already notifying customers tonight via SMS or e-mail (or registered postal mail) and if you do not get any notification, check their website or visit the branch managing your H-P loan for clarification. Banks are essential services so they are open even during the MCO.

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BHPetrol RON95 Euro4M

Nissan owners who require maintenance service or other work done on their vehicles can now visit their nearest Tan Chong Ekspres Auto Servis (TCEAS) outlet. According to Edaran Tan Chong Motor (ETCM), 10 of the authorised Nissan service centres have received approval from the Ministry of International Trade and Industry (MITI) and relevant local councils to resume operations.

The company stresses that appointments must be made beforehand. Once an appointment is confirmed, owners can drop off their vehicle at the service centre. They are not allowed to wait at the service centre.

Nissan engine

Appointments can be made using the Nissan DriveOn mobile app, TCEAS website, Nissan Customer Care Centre hotline at 1800-88-3838, or directly calling the service centres listed below. Owners are also advised to select the nearest service centre to them abide by the travelling regulations of the Movement Control Order.

The following are the TCEAS outlets which are now operating:

TCEAS
Note: The service centres will be closed during Public Holidays.

As a health and safety precaution, TCEAS will practise temperature checking and social distancing for all service centre staff as well as customers. Face masks and gloves and hand sanitizers will also be freely available to customers. Frequent disinfecting will be carried out at the service centres and all vehicles will undergo disinfecting before and after service. Contactless payments are encouraged.

ETCM says that TCEAS service centres in other locations will resume operations in stages. Owners can find the latest information at www.tceas.com.my or by calling 1800-88-3838.

Use the new Nissan Online Showroom to start your purchase process today

Social distance

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Running out of things to do during this #stayathome period which the Movement Control Order (MCO) requires you to do? Here’s something from Infiniti, Nissan’s luxury brand, which could help you discover a new hobby.

Drawing on its Japanese heritage and dramatic designs, Infiniti is releasing a collection of ‘Carigami’ models as part of the #ParkitforNow campaign in the USA. The project is part of the brand’s effort to encourage people to stay at home to contain the spread of COVID-19, by providing a free creative outlet for customers and fans.

Infiniti Carigami

Combining two elements of Infiniti brand DNA – powerfully elegant design with Japanese inspired craftsmanship – the aim is to create designs like origami. This art of folding paper is said to have its origins in China and Europe though today it is usually associated with Japanese culture.

A series of three different Infiniti models can be produced in 1:27 scale, replicating the design of the Q50, QX80, and the FX crossover. They can be downloaded for free from www.infiniti.com and printed on paper (the thicker, the better). Using a hobby knife or cutter and some glue, the templates can then be assembled into the cars.

Infiniti Carigami

“In this unprecedented time where citizens of the world are doing their part to fight COVID-19 by staying at home, we wanted to develop something that will help ease the boredom, while having a bit of fun” said Phil York, General Manager of Infiniti Global Brand and Marketing. He continued, “Our hope is that lovers of cars and crafts alike will enjoy Carigami.”

The team who created the project embraced the playful spirit of the concept when producing content, including capturing a scaled-down ‘at home reveal’ of the models on a record turntable (in place of the typical design revolve). The aim is to inspire users who are seeking for a creative outlet as they practice social distancing at home.

Starting with the Q50, the QX80 and the FX, Carigami model templates will be progressively available. After assembly, you can upload images of your efforts to social media and add the hashtags #ParkitforNow #Carigami.

Have fun!


Click here to get the Carigami templates


 

Handwash

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For the past few years, Mercedes-Benz has begun its transition towards electrifications, creating the EQ range for a new line of electric vehicles (EVs). While R&D relating to EVs has accelerated in the past 10 years, the carmaker was already exploring electric propulsion 30 years ago.

In May 1990, it exhibited a 190 (W 201) model that had been converted to electric drive in the innovation market section at the Hanover Fair. “In this way, the Mercedes 190, which in terms of length and weight comes closest to the requirements of an electric vehicle, is an ideal battery test vehicle. The main objective is to assess the functional suitability of all the components in realistic situations with all the vibrations, accelerations and temperature fluctuations experienced in everyday operation,” explained the brochure issued at the time.

1990 Mercedes-Benz 190 EV

A mobile laboratory
The company made a fleet of electric 190s which were used to test different drive configurations and battery systems. The energy storage devices tested were mainly sodium-nickel chloride or sodium-sulphur high-energy batteries which had a significantly higher energy density than conventional classic lead-acid batteries. However, the working temperature of both systems was around 300 degrees C. which wasn’t so good.

The following year, Mercedes-Benz displayed a more advanced car at the Geneva Motor Show. This prototype with electric drive had an individual 16 kw/22 hp electric motor to drive each wheel. Total power output was 32 kW/44 hp and the energy came from a sodium-nickel chloride battery. Regenerative braking – a feature in many of today’s EVs and hybrids – returned energy to the power pack during braking actions.

1990 Mercedes-Benz 190 EV

A particular advantage of the concept was the elimination of weight-intensive mechanical components, so the additional weight compared to a production model with a combustion engine was only 200 kgs. It was still a substantial amount of extra weight, largely due to the battery pack.

From 1992 onwards, there was a large-scale field trial which ran for 4 years, funded by the German government. The aim of the exercise was to test EVs and energy systems, including batteries, in everyday practice. A total of 60 passenger cars and vans from several brands were involved.

1990 Mercedes-Benz 190 EV

100,000 kms in 1 year
The pioneering 190s were driven by various participants in the trials and these included taxi drivers who used them in daily life. There were hardly any problems and one of the Mercedes prototypes achieved a peak usage rate of around 100,000 kms in 1 year.

The results provided the engineers with new insights into battery service life, the number of possible discharge and charge cycles, range, energy consumption and reliability. In the following years Mercedes-Benz would apply the electric drive concept to other passenger models.

Mercedes-Benz EQC
The first fully-electric Mercedes-Benz production model – the EQC. Its powertrain (below) was developed with the data gained from R&D activities since 1990.

Mercedes-Benz EQC

All the knowledge gained by the R&D teams in the 1990s contributed to the comprehensive knowledge pool of vehicle development on which engineers draw in developing today’s vehicles. In fact, some of the engineers who worked on the electric W 201 prototypes are still active in the company’s EV development and are involved in the latest projects.

Mercedes-Benz EQ Range unveiled in Malaysia

StayAtHome

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Selected authorized Honda dealerships have begun to resume operations from today (April 29) as permission has been granted by the Ministry of International Trade and Industry (MITI). All service centres in the country had to be closed earlier under the Movement Control Order (MCO) which came into effect on March 18, 2020.

During the period of closure, only emergency services were permitted to assist owners to move their vehicles which may have been immobilized. However, no repair work or maintenance was allowed, and the vehicles had to remain in the service centre for the duration of the MCO.

“Honda Malaysia is truly inspired by the spirit of Malaysians, especially all the frontliners, to overcome the unprecedented situation. The journey to flatten the curve has been tough and extensive but we are ‘Together As One’, staying home in order to have a better outcome for all. We will comply with the extension of the MCO in support of the efforts taken by the Malaysian government and people amid the current situation,” said Honda Malaysia’s Managing Director & CEO, Toichi Ishiyama.

“At the same time, customers need to have their cars in good, reliable condition and hence, require maintenance service. As we resume our aftersales services, we emphasize the importance of continuing to adhere to the MCO rules, being attentive and to take precautions especially in hygiene through frequent sanitization and disinfection, general cleanliness and social distancing,” he added, giving assurance that the precautionary and control measures will be strictly implemented at the Honda dealerships to provide a safe environment during customer visits.

Honda Malaysia Dealers

Procedures at service centres
Upon arrival at the dealership, customers will undergo temperature scanning and hand sanitizers have been prepared for their use while their appointment status is being verified. Individuals recording temperature of 37.5 degrees C. and above or are exhibiting symptoms of fever, cough and shortness of breath will be advised to leave the premises to immediately seek medical attention.

Honda Malaysia has also asked its dealers to enforce stringent measures concerning crowd control and social distancing. The number of customers present at any one time for their vehicle service in the dealership shall be limited at minimum capacity. It is compulsory for customers to make appointments with their nearest dealer (within 10 kms of their home) to smoothen their visit and ensure the availability of a slot for their service before going to the service centre.

Procedures

To facilitate social distancing, the dealers are commencing a car drop service. This new service allows customers with appointments to just drop off their cars at the dealerships and conduct discussion on their car service updates or enquiries via telephone with the service advisors so as to maintain social distance. This practice will not only help safeguard the well-being of the customers and service advisors, but also provide substantial convenience to Honda owners.

Honda Malaysia is also taking extra precautions to ensure the highest safety and good personal hygiene of service advisors. Temperature checking will be implemented on employees and they are reminded to wash their hands regularly, and practice social distancing by maintaining a distance of 1 metre from one another at all times. Hand sanitizing stations are set up for the convenience of service advisors and customers, and some areas in the dealerships will be restricted or remain closed to ensure customers safety.

Honda Malaysia and SOCAR offer cars for use by frontliners

COVID-19

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For those who have been frustrated by the one-person-per-vehicle ruling under the Movement Control Order (MCO), there’s good news. The ruling has now been amended to permit two persons to be in a vehicle – but there are also conditions. The two persons should be from the same household and family, so it would be husband and wife, or mother and child, etc.

And as before, travel (maximum of 10 kms) is only permitted for the purpose of buying essential groceries, food, medical supplies or to seek medical treatment. And the range from home is 10 kms, unless there is a special reason to go further, ie for specialized medical treatment at a specific hospital or clinic (documents must be shown).

This allowance should be appreciated so don’t use it as an opportunity to go dating because that would get you arrested. Those who abuse this allowance will only cause problems for other law-abiding citizens who follow the rules because the authorities may decide to withdraw it since there is disobedience.

ROADBLOCK
The police and armed forces are at roadblocks day and night, in the sun and rain (and storms), so don’t make their job harder by not following the regulations. And if you wish to show appreciation for their hard work, pass them a box of drinks for them to buka puasa.

As the situation improves with regards to the COVID-19 pandemic in Malaysia, the government is slowly adjusting the regulations but stresses the need to observe social distancing. This must be kept in mind now that more people can go out so supermarkets and other places will see more customers.

Many service centres are also operating but customers are asked to make appointments before going. This is to enable the personnel to adhere to the conditions of their permit to operate. The companies must practice social distancing in their premises for the protection of the public as well as their staff. Therefore making an appointment will enable them to prepare for the arrival of a customer and minimize interaction.

Service centre

Note also that the 10-km range limit applies so choose the service centre closest to you. To determine how far away it is, you can use Waze or Google Maps to check the distance.

Last day to apply for interstate travel
Today is also the last day to apply for interstate travel. This is only for those who have been trapped in another place and want to return to their home in the city. To date, the police have received over 250,000 applications via the Gerak Malaysia mobile application. After reviewing the applications, the police will provide the National Security Council with the data for discussion on the schedule to allow travel to take place.

The plan is for the schedule to be from May 1, 2 and 3, depending on the volume of traffic and the origins/destinations of the travellers. Applicants who receive approval will be issued a QR code which they must show at roadblocks to pass through without problems.

Download Gerak Malaysia app from the Apple AppStoreGoogle PlayStore or Huawei App Gallery


Social distancing

Social distance

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BHPetrol RON95 Euro4M

Porsche Classic is responsible for spare parts supply and factory restorations of all the brand’s road-approved classic cars. As part of that role, it has developed a system which brings the digital world to older models.

The new Porsche Classic Communication Management (PCCM) is designed to replace original built-in units with 1-DIN or 2-DIN dimensions. They can exactly replace the old systems with new infotainment systems that offer a high-resolution touchscreen and modern functions such as DAB+ and Apple CarPlay as well onboard navigation.

Porsche Classic Communication Management

PCCM is a further development of the previous radio navigation system for classic Porsche sportscars. It is operated via two rotary knobs, six integrated buttons and a touch-sensitive 3.5-inch display.

Like the predecessor model, it includes a navigation function with ‘Points of Interest’ search in an enhanced version. Route guidance optionally takes place as a simple arrow representation in a 2D or 3D view. The corresponding map material is provided on a separate SD card.

State-of-the-art digital technology
The PCCM can receive digital radio stations with DAB+. A further highlight for this device class is integration of Apple CarPlay providing a modern connectivity option that puts apps on the dashboard. Media playback is also possible via an SD card, USB, AUX and Bluetooth.

Porsche Classic Communication Management

The PCCM blends harmoniously into the dashboard of classic models with its black surface finish and the shape of the knobs. It features the Porsche logo and is suitable for the sports car generations between the first 911 models of the 1960s and the last 911 with air-cooling from the start of the 1990s (the 993 model series).

911 models of the 996 generation and Boxster models of the 986 generation which were built in the 1990s could already be optionally equipped with a Porsche Communication Management (PCM) system in 2-DIN format. For these cars, Porsche Classic has developed the Porsche Classic Communication Management Plus (PCCM Plus) system which features a high-resolution 7-inch touchscreen with optimised display.

Porsche Classic Communication Management

The haptic and visual design of the PCCM Plus is based on the adjacent components such as air vents or pushbutton switches. The PCCM Plus can thus be integrated seamlessly into the ambience of the sportscars. The peripheral components already installed in the vehicle such as amplifier, loudspeakers or antenna can still be used. The navigation displays in the instrument cluster are also still supported.

Prices for the PCCM start from 1,439 euros (about RM6820) with the price of the PCCM Plus starting from 1,606 euros (RM7,615).

90 options for the Porsche Taycan owner who wants a more personalised car

Covid-19
Fighting COVID-19 is our joint responsibility. Protect yourself and others: make these 6 simple precautions your new habits.

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Along with MINI Malaysia, BMW Group Malaysia has also introduced new online platforms – the BMW Shop Online and BMW Engage – as a way to digitalise the premium ownership experience for customers in Malaysia. This is particularly useful at this time with the Movement Control Order (MCO) restricting customers from visiting showrooms.

BMW Engage, a first-of-its-kind online financing platform introduced by BMW Credit (Malaysia) Sdn. Bhd., complements the BMW Shop Online. It provides a contactless experience, enabling customers to apply and get pre-approval for their financing requirements from the comfort of their home via a simple and seamless application process.

With the new online touchpoints, the company is also driving its ‘Unplug & Play’ campaign with online-exclusive offers for the BMW 530e Sport and BMW 530e M Sport. This campaign aims to increase the uptake of electrified vehicles in the country.

BMW 530e M Sport
BMW 530e M Sport
BMW 530e Sport
BMW 530e Sport

The ‘Unplug & Play’ online-exclusives for the 530e can also be found on BMW Shop Online with cash rebates from RM10,000 and RM20,000 for the 530e Sport and 530e M Sport, respectively. Additionally, there is an interest rate of 0% for both models. New owners will also receive a complimentary BMW i Wallbox when booking the 530e Sport online. Customers taking up the offer will be in the running to drive home an i8 Coupe.

Online booking of both the models gets new owners a BMW ChargeNow card, that grants straightforward access to partner charging stations like ChargEV by Malaysian Green Technology Corporation. With the, owners can enjoy 24/7 support and access to all charging locations in ChargEV’s growing network which now offers more than 270 charging facilities nationwide. New owners of the BMW 530e M Sport will also receive the BMW i AC Fast Charging Cable.

BMW i8
Customers who make online bookings for the 530e Sport and 530e M Sport have a chance to win one BMW i8 Coupe.

The online-exclusive offer is available from now until June 30 2020. Customers can make bookings for the 530e Sport and 530e M Sport with just RM1,000 via the BMW Shop Online. For financing pre-approval before shopping, they can visit BMW Engage.

2020 BMW X6 xDrive40i M Sport arrives in Malaysia – online

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After two years, Bugatti Divo hyper sportscar will be delivered to customers starting this year with the development process now entering its final phase. Only 40 will be built, each with a base price of 5 million euros.

“At the beginning of 2018, our aim was to develop a particularly sporty vehicle as the first project under the leadership of new Bugatti President, Stephan Winkelmann. We had lengthy discussions – and above all we listened to our customers. Some of them were longing for an agile and corner-hungry car. That’s definitely what the Divo has turned out to be,” recalled Pierre Rommelfanger, project manager for limited edition models at Bugatti.

A short time later, a small team of experts began development. The goal they set themselves was clear: the Divo was to be very different from the Chiron in exclusivity and performance – without sacrificing comfort and supremacy.

Bugatti Divo

Within a few months an initial design model was created and presented to Chiron owners in France, with explanations provided in one-on-one discussions. “Every Divo customer owns a Chiron, knows what the brand stands for and is a true Bugatti enthusiast. Our customers instantly understood the sporty approach of the Divo and supported our project,” said Winkelmann proudly.

Over 5,000 kms of chassis development
The Divo is powered by the 1,500 ps/1,600 Nm 8.0-litre W16 engine which can rocket the Divo from 0 to 100 km/h in a claimed 2.4 seconds. To achieve this, the engineers did extensive computer simulations to know the exact axle load data and used the figures to design the chassis set-up. The first prototype was run on various testing grounds, winding roads and racetracks. Over 5,000 kms were covered across all speed ranges up to 380 km/h to carry out chassis development.

Bugatti Divo

Bugatti Divo

Agility was gained by having less weight (35 kgs lower than the Chiron), more downforce and a more direct chassis set-up. This includes a change in wheel camber on the front and rear axles, harder springs and a more front-oriented balance. As a result, the Divo’s top speed is limited to 380 km/h.

The engineers made full use of the weight reduction to increase downforce, going to the limit of the tyres’ load capacity. This gives the Divo 90 kgs more downforce, increasing to 456 kgs at maximum speed.

“The Divo is entirely different to drive than the Chiron, even though both are fitted with the powerful W16 engine. This is particularly evident when driving on roads with plenty of bends. With even more precise steering and greater downforce, the Divo drives through corners even faster and more predictably,” explained Lars Fischer, Head of Chassis Testing and Application.

Bugatti Divo

Optimum aerodynamics
Particular effort was focussed on developing the aerodynamic properties of the Divo. The bonnet has air inlets that reduce the frontal area of the vehicle and improve the airflow. An optimised air curtain provides enhanced air ducting in the front and rear areas of the sides. Meanwhile, the newly shaped front spoiler serves to increase downforce, directing more air to the front air intakes. This supplies the cooling system with a greater air mass and increases overall cooling capacity.

Four independent air sources on each side of the car cool the brakes. Air comes from the high-pressure area above the front bumper, from the intakes on the front wings, from the intake at the front radiator and from the diffusers in front of the tyres. Blades guide the cold air onto the brake discs, while a heat shield directs the hot air directly through the wheels to the outside.

Bugatti Divo

The roof profile was optimised too. In conjunction with the modified rear end, a high air mass flow into the engine compartment is achieved, thereby benefiting temperature management. At the same time, these measures prevent the air above the car from swirling and developing turbulence at the rear wing. Its angle can be adjusted for individual driving modes and functions as an air brake too.

Differentiated from the Chiron
In terms of design, too, the Divo is clearly differentiated from the Chiron yet still instantly recognisable as a Bugatti. The design team under Achim Anscheidt have configured the body form of the Divo for lateral acceleration, focusing on optimum aerodynamic and thermodynamic efficiency.

The extremely compact and lightweight LED headlights have a flat light aperture of only 35 mm and are particularly striking, as are the highly complex 3D tail light modules. These form part of the rear grille, which is partly produced using a 3D printing process and has special lightweight fins. A total of 44 of these fins illuminate to form the tail light system.

Bugatti Divo

Bugatti Divo

Inside the car, sports seats with high side bolsters hold the occupants securely in their seats even when cornering at very high speeds. The steering wheel is partially covered in Alcantara and has enlarged steering wheel-mounted shift paddles on both sides.

About the hypercar’s name
With the Divo, Bugatti continues its tradition of naming cars after legendary racing drivers. In this case, the hypercar’s name honours Albert Divo, a French pilot and racing driver and, for some time, also a works driver for Bugatti. Among other things, he won the Targa Florio in 1928 and 1929. The legendary event, which was held annually on a mountain track in Sicily up until 1977, was certainly one of the toughest endurance races of its time. Bugatti won the race 5 times in a row with the Type 35.

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