Q

how to calculate car loan

When figuring out a car loan in Malaysia, there are four main factors you need to consider: loan amount, interest rate, loan tenure, and down payment percentage. The loan amount is typically the car price minus the down payment. Interest rates vary depending on the bank or financial institution's policies, usually ranging from 2.5% to 4%. Loan tenures generally run from 5 to 9 years. The formula for calculating your monthly installment is: [Loan Amount × (Interest Rate/12) × (1 + Interest Rate/12)^Loan Tenure in Months] ÷ [(1 + Interest Rate/12)^Loan Tenure in Months - 1]. Let's break it down with an example: if a car costs RM100,000, you put down 10% (so RM10,000), that leaves you with a RM90,000 loan. With a 3% interest rate over a 7-year (84-month) term, your monthly payment would be around RM1,200. On top of that, keep an eye out for processing fees or insurance costs that banks might charge—these can add to the overall cost of your loan. Before signing on the dotted line, it’s smart to shop around and compare loan packages from different banks. Use online loan calculators to get a rough idea of your monthly outlay, and make sure your car payment doesn’t eat up more than 30% of your income to avoid straining your finances. Getting a handle on these details will help you make a smarter call when buying your next car.
Special Disclaimer: This content is published by users and does not represent the views or position of PCauto.

Related Q&A

Q
What is the rule of thumb when replacing brake pads?
Brake pad replacement should be determined based on a comprehensive assessment of wear level, mileage, and abnormal indicators. New brake pads are approximately 15 millimeters thick and must be replaced when worn down to 3-5 millimeters remaining (about one-third of the original thickness). Some models also require immediate replacement when the wear limit indicator is engaged. Front brake pads typically require replacement every 30,000-50,000 kilometers, while rear brake pads need replacement every 60,000-100,000 kilometers. However, mountain driving or frequent hard braking can reduce this interval by 20-30%. Metallic scraping noises during braking, a spongy pedal feel, or increased stopping distance indicate hazardous wear requiring urgent attention. For premium vehicles, replacement is necessary when the wear warning light activates (threshold: 2.5-3 mm) or dashboard alerts appear. Regular brake pad inspections are recommended during every 5,000-kilometer service, with more frequent checks in humid climates. Simultaneously monitor brake disc condition (recommended replacement: one disc per two pad changes) to maintain braking system performance. Opting for OEM or ceramic composite brake pads enhances durability and noise reduction.
Q
What is the average lifespan of brake pads?
The average lifespan of brake pads varies depending on factors such as vehicle model, driving habits, and road conditions. Front brake pads typically last between 30,000 and 80,000 kilometers, while rear brake pads last around 60,000 to 120,000 kilometers. Driving habits have a significant impact on wear: frequent sudden braking or driving in congested urban areas shortens their lifespan, whereas smooth driving or high-speed driving can extend the service period. Vehicles with heavy loads or those driven in mountainous areas also experience accelerated wear. It is recommended to regularly check the thickness of the brake pads. New pads are approximately 1.5 centimeters thick; they should be replaced immediately when worn down to 0.3 centimeters or when an alarm is triggered (such as a metal friction sound or a dashboard warning). New energy vehicles may have longer brake pad lifespans due to the assistance of kinetic energy recovery systems. When replacing brake pads, it is advisable to choose original equipment manufacturer (OEM) quality products and note that a 200-kilometer break-in period is needed to ensure braking performance. For safety, inspect the condition of the brake pads every 10,000 kilometers and promptly address issues such as abnormal wear or increased braking distance.
Q
What happens if brake pads wear out?
Worn-out brake pads pose a serious threat to driving safety, primarily manifested as significantly reduced braking performance, markedly extended braking distance, and collateral damage to other brake system components. When the friction pad thickness falls below 3 millimeters, brake pedal travel increases, potentially preventing timely stops during emergency braking. If worn down to metal-on-metal contact with the brake disc (thickness under 1 millimeter), this not only produces warning screeches but also causes abrupt braking force reduction or complete failure, while simultaneously risking brake disc scoring or warping - potentially increasing repair costs to thousands of ringgit. Prolonged neglect may additionally cause abnormal brake caliper wear, resulting in pulling or vibration during braking. Owners should inspect front brake pad thickness every 30,000-50,000 km (rear pads: 60,000-80,000 km), replacing genuine parts promptly based on residual thickness measurements, unusual noises, or pedal feedback. Urban stop-and-go driving necessitates more frequent inspections. Regular maintenance prevents secondary brake disc damage from delayed replacement, ensuring continuous brake system safety.
Q
How much time does it take to change brake pads?
The replacement of brake pads usually takes 1 to 2 hours, with the specific duration depending on the vehicle model structure and the technician's proficiency. However, the actual replacement interval should be determined based on comprehensive assessment of the vehicle's usage conditions. It is recommended to inspect and replace front brake pads every 30,000 to 50,000 kilometers, while rear brake pads should be evaluated between 60,000 to 100,000 kilometers. More importantly, monitor the wear thickness: new pads measure 1.5 cm in thickness. Replacement should be considered when wear reaches 5 mm (approximately one-third of the original thickness), and becomes mandatory when below 3 mm. Driving habits significantly impact their service life. Frequent hard braking or prolonged heavy loads may reduce the replacement interval to 20,000 kilometers, whereas conservative driving can extend it to 80,000 kilometers. Regarding materials, semi-metallic brake pads offer optimal durability, while ceramic pads provide superior braking performance but wear faster. Particular attention should be paid to metal-on-metal grinding noises or noticeable reduction in braking effectiveness - immediate servicing is required even if the recommended mileage hasn't been reached. Professional inspections are advised every 5,000 kilometers or six months, with shorter intervals for mountainous terrain driving or automatic transmission vehicles. During replacement, opt for genuine parts and concurrently examine the brake discs and fluid condition to ensure overall braking system reliability.
Q
How to check car brake pads without removing wheel?
To check the brake pad thickness without wheel removal, multiple methods can be used for comprehensive assessment. First, visually inspect the brake pads through the wheel hub gaps at approximately a 15-degree angle. New brake pads are about 1.5 cm thick and require immediate replacement when worn down to 0.3 cm or level with the raised wear indicators on both sides. Some vehicle models feature wheel hub designs permitting direct visual inspection; if the remaining pad thickness is only 1/3 of the original (approximately 0.5 cm), inspection frequency should be increased. Auditory cues are equally crucial. A metallic scraping sound during light brake application indicates the pads have reached their wear limit, necessitating simultaneous inspection of the brake discs. Regarding driving feedback, symptoms like increased brake pedal travel, reduced braking efficiency, or abnormal vibrations typically signal excessive pad wear. Most modern vehicles incorporate wear warning systems, and illumination of the brake warning light on the dashboard warrants prompt servicing. Regular inspections every 20,000-30,000 km or six months are recommended, with more frequent checks for vehicles operating in mountainous terrain or under heavy braking conditions. While professional workshops employ vernier calipers or specialized thickness gauges for precise measurements, the aforementioned methods provide effective routine monitoring to ensure driving safety.
Q
What is the average cost to replace brake pads?
The average cost of brake pad replacement mainly depends on the vehicle class, material selection, and maintenance channel. For ordinary family cars such as Toyota Corolla or Volkswagen Lavida, the front brake pads cost about 150-300 Malaysian Ringgit per set, the rear ones 100-200 Malaysian Ringgit per set, and the total cost for replacing all four wheels including labor fees is approximately 600-800 Malaysian Ringgit. It is recommended to choose semi-metallic materials to balance cost-effectiveness and daily commuting needs. For mainstream SUVs like Honda CR-V, due to their heavier body weight, ceramic composite front brake pads (250-450 Malaysian Ringgit per set) are recommended, with a total cost of about 800-1200 Malaysian Ringgit for four-wheel replacement. Their high-temperature resistance makes them more suitable for complex road conditions. For luxury models such as Mercedes-Benz E-Class, since special tools are required to reset the electronic parking brake, the price of original brake pads can reach 500-1600 Malaysian Ringgit per set, and the four-wheel replacement cost at authorized dealerships is about 4000-5000 Malaysian Ringgit. However, reputable third-party workshops can save more than 40% of the cost. In terms of materials, semi-metallic pads are suitable for basic needs, ceramic pads (300-600 Malaysian Ringgit per set) offer better heat dissipation and quieter operation, while carbon fiber performance-grade products cost over 1000 Malaysian Ringgit. Note that brake pads must be replaced when their thickness is less than 3 millimeters to avoid damaging the brake discs. It is recommended to inspect regular vehicles every 30,000 kilometers, while for luxury cars or frequent braking conditions, the interval should be reduced to 20,000 kilometers.
Q
How do driving habits affect brake life?
Driving habits have a very significant impact on brake life. Sudden acceleration and sudden braking will greatly increase the friction and heat between the brake pads and brake discs, leading to accelerated wear. Typically, the lifespan of front brake pads will be reduced to less than 30,000 kilometers, while rear brake pads may only last about 50,000 kilometers. Frequent starts and stops in congested areas or prolonged braking on mountain roads can also keep the brake system at elevated temperatures, accelerating material fatigue. In contrast, a gentle driving style characterized by smooth acceleration, early anticipation for deceleration, and proper utilization of engine braking can extend brake pad lifespan to over 60,000 kilometers. Under normal usage, brake discs require replacement at approximately 100,000 kilometers, but aggressive driving may shorten this interval to 70,000 kilometers. It is recommended to regularly inspect brake pad thickness (replace when below 3mm), be alert to abnormal metallic grinding noises, and opt for genuine or reputable brand components. Good driving habits can not only reduce annual brake system maintenance costs by approximately 200 to 500 ringgit but also significantly enhance driving safety.
Q
How to tell if brake pads are worn?
Multiple methods can be used to comprehensively assess whether brake pads are worn. New brake pads typically have a thickness of 10-15 millimeters and need to be replaced immediately when worn down to 3-5 millimeters. Some vehicle models are equipped with wear indicators on the brake pads, and when the pad approaches the indicator position, it signals the need for replacement. Audibly, if a sharp metallic grinding noise occurs during braking, it may be due to excessive wear causing the friction material to come into direct contact with the brake disc. In terms of driving feel, a longer brake pedal travel or the need to press the pedal deeper to achieve the desired braking effect also indicates severe wear. The brake warning light on the dashboard of some vehicles will illuminate, which is a clear replacement signal from the electronic monitoring system. Additionally, professional maintenance personnel can further confirm the condition by inspecting brake disc wear marks, caliper operating status, etc. It is worth noting that urban congested road conditions or aggressive driving habits can accelerate wear. It is recommended to inspect the brake pads every 30,000 kilometers or at least every 6 months. If measured with simple tools, the brake pads must be replaced within 48 hours if their thickness drops below 3 millimeters to ensure safety. There are differences in wear rates between front and rear brake pads of different vehicle models, with the front ones usually wearing faster. Regular comprehensive inspections can effectively prevent risks caused by decreased braking performance.
Q
When to replace brake pads mm?
The replacement timing of brake pads mainly depends on their remaining thickness. New brake pads typically measure between 10mm and 15mm in thickness, with specific values varying by vehicle model and material. When worn down to 1/3 of the original thickness (approximately 3mm to 5mm), inspection frequency should be increased. Immediate replacement is mandatory when the thickness reaches the critical limit of 3mm, as failure to do so may result in brake failure or damage to the brake disc. Certain vehicle models feature a wear warning system that activates a dashboard alert when the thickness falls below the safety threshold. Routine thickness assessment can be performed through visual inspection of wheel hub clearance, observation of the metal wear indicator (approximately 3mm thick), or caliper measurement. Symptoms such as abnormal braking noise (characterized by sharp metallic scraping), stiff pedal feel, or noticeably extended stopping distance also indicate replacement necessity. Professional inspection by technicians is recommended every 5,000 kilometers or during scheduled maintenance, with particular attention to front brake pads which experience accelerated wear due to greater load. Post-replacement, multiple brake applications are required to eliminate clearance between new pads and discs, ensuring optimal braking performance. A conservative approach recommends proactive replacement when thickness approaches 4mm, with maintenance intervals reduced by 30% for urban stop-and-go traffic conditions. Prompt replacement not only ensures driving safety but also prevents escalated repair costs from excessive wear.
Q
What are brake pad wear indicators?
The brake pad wear indicator is a safety device installed on brake pads, which is used to monitor the wear level of brake pads and issue a warning when replacement is needed. Common indicators are divided into two types: mechanical and electronic. The mechanical type is usually a metal reed. When the thickness of the brake pad wears down to 2-3 millimeters, the reed will come into contact with the brake disc and produce a sharp metal friction sound. The electronic type triggers the dashboard warning light through a sensor. During inspection, the thickness of the brake pad can be observed through the wheel hub gap. The thickness of a new brake pad is about 10-12 millimeters, and it must be replaced immediately when it wears down to less than 3 millimeters. Some models are only equipped with indicators on the front wheels. It is recommended to inspect every 20,000 kilometers or when abnormal brake noise is heard. The inner brake pads usually wear faster than the outer ones, and the tires need to be removed for a comprehensive inspection. Longer braking distance or abnormal pedal travel are also signs of wear. Timely replacement can avoid more serious damage caused by direct friction between the metal back plate and the brake disc.
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Latest Q&A

Q
How long do brake pads last on a car?
The service life of brake pads is affected by various factors. Typically, front brake pads last approximately 30,000 to 80,000 kilometers, while rear brake pads last about 60,000 to 120,000 kilometers, depending on the vehicle model, load, driving habits, and road conditions. For example, frequent hard braking or long-term driving in congested urban areas will accelerate wear, and replacement may be needed as early as 20,000 to 30,000 kilometers; whereas smooth driving or high-speed driving can extend their lifespan. Brake pads must be replaced immediately when their thickness is less than 3 millimeters, or when there is a metal friction sound, or when the braking distance becomes longer. It is recommended to inspect them every 10,000 kilometers. Ceramic or semi-metallic materials are preferred to enhance wear resistance, and a 200-kilometer break-in period is required after replacement to ensure performance. Regular inspection and timely replacement are key to ensuring driving safety.
Q
How often should brake pads be replaced?
The replacement interval for brake pads should be determined based on a comprehensive evaluation of driving mileage, driving habits, and actual wear conditions. Typically, front brake pads are recommended for inspection and replacement every 30,000 to 50,000 kilometers, while rear brake pads should be replaced every 60,000 to 100,000 kilometers, though specific intervals must follow the manufacturer's guidelines. New brake pads are approximately 1.5 cm thick and must be replaced when the remaining thickness falls below 0.3 cm or wears down to the level of the grooves. Some vehicle models will trigger a dashboard warning alert. Vehicles with aggressive driving styles, frequent city driving, or regular mountain road use will experience accelerated wear and may require earlier replacement, whereas smooth or predominantly highway driving can extend the service interval. Preliminary assessment can be done by inspecting the wheel rims (replacement is needed when about 5 mm remains) or listening for sharp metallic sounds (indicating wear indicator contact). However, the most accurate method is to remove the tires for direct inspection. When replacing brake pads, always use OEM or equivalent quality branded products, and ensure both left and right wheels are replaced simultaneously to maintain braking balance. After replacement, a proper break-in period of approximately 200 kilometers is necessary to achieve optimal performance. During routine maintenance, always check the brake pad condition to prevent excessive wear that could damage the brake discs, thereby increasing repair costs and safety hazards.
Q
What happens if brake discs are worn?
Severe wear of the brake disc will directly affect driving safety, mainly manifested as reduced braking force and extended braking distance. In emergency situations, the braking distance may increase by more than 50 meters, significantly raising the risk of accidents. Worn brake discs can cause vibration and sharp metal friction noises during braking. This abnormality not only affects driving comfort but may also lead to structural deformation or fracture of the brake disc. When the brake disc thickness falls below 2 mm or the wear depth on both sides reaches 3 mm, immediate replacement is required; otherwise, it may damage associated components such as brake pads and calipers, and even cause system failures like brake hose rupture. It is recommended to check the brake disc thickness every 60,000 to 80,000 kilometers, but drivers who frequently perform emergency braking should advance the inspection to 50,000 kilometers. During routine maintenance, the condition of brake pads should also be checked. If new brake pads are already thinner than 3 mm or the dashboard warning light illuminates, it often indicates that the brake disc has also reached replacement criteria. Neglecting replacement will substantially increase maintenance costs. For instance, repairing the entire brake system due to brake disc scoring may exceed 2,000 Malaysian ringgit. Maintaining optimal brake system condition is fundamental for ensuring vehicle handling and safety. It is advisable to follow the manufacturer's maintenance schedule while adjusting according to actual driving habits.
Q
How long does a brake pad last?
The replacement interval for brake pads should be determined based on a comprehensive evaluation of the vehicle model, driving habits, and road conditions. For conventional fuel vehicles, front brake pads typically require replacement every 30,000 to 50,000 kilometers, while rear brake pads may last 60,000 to 100,000 kilometers due to reduced load. For new energy vehicles, the service life of front pads can extend to 80,000-120,000 kilometers with the assistance of regenerative braking systems. Key replacement indicators include: thickness ≤3mm (verifiable using a one-yuan coin for comparison), abnormal braking noises (metallic scraping sounds), increased stopping distance, or illumination of the dashboard warning light. Special operating conditions such as mountainous terrain driving or frequent hard braking necessitate more frequent inspections every 20,000-30,000 kilometers, with particular attention to corrosion in humid environments. It's recommended to inspect brake pad condition during every 5,000-kilometer maintenance service. Opting for ceramic or semi-metallic compounds can enhance durability. Newly installed pads require a 200-kilometer break-in period with avoidance of abrupt stops. Actual replacement should be based on wear condition rather than solely on mileage. Proper maintenance prevents rotor damage and ensures driving safety.
Q
How do I know if brake discs need replacement?
To determine whether brake discs need replacement, multiple factors such as wear level, abnormal phenomena, and driving experience must be considered comprehensively. When the one-sided wear depth of a brake disc exceeds 1.5 mm (resulting in a total wear of 3 mm), it meets the mandatory replacement standard. The minimum value can be verified by measuring at 8 equidistant points with a vernier caliper. The initial thickness of front discs for most passenger vehicles is 28-32 mm, while rear discs are approximately 24-28 mm. If the measured value falls below the manufacturer's specified minimum allowable thickness (e.g., MIN TH 22mm), replacement is compulsory. For daily preliminary assessment, simple methods can be employed: compare the brake disc edge with a one-yuan coin (approximately 1.8 mm thick). Replacement is necessary if the disc thickness approaches or becomes thinner than the coin, or if the surface exhibits grooves deeper than 1.5 mm, radial cracks, or stepped edge wear (height difference > 1 mm). During operation, metallic scraping sounds (excluding normal brake pad bedding-in noise), increased stopping distance, steering wheel vibration, or illumination of the dashboard warning light all suggest potential brake disc damage. Notably, mountainous driving, frequent hard braking, or coastal high-salinity environments accelerate wear, potentially reducing the replacement interval from the standard 70,000-100,000 km to 50,000-60,000 km. Inspection is advised every 20,000 km or every second brake pad replacement. As a safety precaution, brake discs exhibiting structural damage (e.g., heat cracks or pitting corrosion) should be replaced regardless of wear thresholds to prevent brake system failure.
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