{"id":1695,"date":"2012-09-08T13:54:26","date_gmt":"2012-09-08T05:54:26","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1695"},"modified":"2024-09-07T01:06:18","modified_gmt":"2024-09-06T17:06:18","slug":"jenis-pinjaman-peribadi-di-malaysia-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/jenis-pinjaman-peribadi-di-malaysia-bm","title":{"rendered":"Jenis-Jenis Pinjaman Peribadi Di Malaysia"},"content":{"rendered":"

Terdapat dua jenis pinjaman peribadi – pinjaman bercagar dan tidak bercagar. Di Malaysia, pinjaman peribadi yang dibuat oleh orang awam cenderung kepada yang tidak bercagar.<\/p>\n

<\/span>Pinjaman peribadi bercagar<\/span><\/h2>\n

Secara asasnya pinjaman peribadi bercagar merupakan pinjaman di mana peminjam menawarkan aset mereka, seperti sebuah kereta atau rumah sebagai sejenis jaminan atau cagaran bagi pinjaman mereka. Oleh itu, kos pinjaman biasanya jauh lebih rendah dari pinjaman tidak bercagar. Walau bagaimanapun, peminjam perlu sedar dengan keupayaan kewangan mereka membayar balik pinjaman kerana mereka terdedah kepada risiko aset jaminan mereka dirampas sekiranya gagal membayar balik pinjaman.<\/p>\n

<\/span>Pinjaman peribadi tidak bercagar<\/span><\/h2>\n

Sebaliknya, pinjaman peribadi tidak bercagar biasanya lebih sukar diperolehi, memandangkan peminjam tak perlu tawarkan sebarang bentuk aset sebagai cagaran. Oleh itu, mereka perlu meyakinkan pemberi pinjaman mengenai kekuatan kewangan atau kebolehpercayaan kredit mereka. Ini bagi memastikan bahawa peminjam dapat membayar balik pinjaman.<\/p>\n

Dengan ini, kos bagi pinjaman tidak bercagar adalah lebih tinggi kerana pemberi pinjaman mengambil risiko yang lebih tinggi dalam menyediakan pinjaman. Walaupun peminjam tak beri apa-apa dalam bentuk aset kepada pemberi pinjaman sebagai cagaran mendapatkan pinjaman, ini tak bermakna mereka boleh lepaskan diri sekiranya tidak membayar balik pinjaman mereka. Pemberi pinjaman boleh membawa peminjam ke mahkamah bagi menjual aset beliau untuk menebus sebarang kerugian.<\/p>\n

<\/span>Jenis-jenis pinjaman peribadi yang berlainan kadar faedah<\/span><\/h2>\n

Kadar faedah bagi pinjaman peribadi boleh dibahagikan kepada dua bidang utama, tetap dan berubah. Perkara pertama peminjam perlu fikir sebelum ambil pinjaman peribadi ialah kadar faedah, iaitu mereka haruslah bersedia untuk menerimanya. Namun, secara umum pinjaman peribadi di Malaysia lebih condong ke arah jenis kadar faedah tetap.<\/p>\n

<\/span>Pinjaman peribadi dengan kadar faedah tetap<\/span><\/h2>\n

Kadar faedah tetap adalah kadar faedah yang kekal sama sepanjang tempoh pinjaman. Kadar akan kekal sama walaupun berlaku turun naik di pasaran. Walaupun pinjaman dengan kadar faedah tetap melindungi peminjam dari pergerakan kadar faedah, jumlah bayaran balik perlu dibayar dengan betul mengikut perjanjian sehingga kesemua hutang habis dibayar. Oleh itu, jika peminjam ingin membayar lebih dari semasa ke semasa, dia boleh dikenakan yuran tambahan.<\/p>\n

<\/span>Pinjaman peribadi dengan kadar faedah boleh ubah<\/span><\/h2>\n

Pinjaman peribadi dengan kadar faedah boleh ubah mempunyai kadar faedah yang berubah dari semasa ke semasa, bergantung kepada kadar pasaran. Kelebihan mengambil pinjaman jenis ini adalah peminjam boleh mendapat manfaat jika kadar di pasaran rendah. Walau bagaimanapun, ia boleh menyusahkan juga sekiranya kadar pasaran meningkat kerana peminjam akhirnya perlu bayar faedah yang lebih tinggi.<\/p>\n

Ketahui bank mana di Malaysia yang mempunyai kadar faedah pinjaman peribadi yang terendah di sini<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

Terdapat dua jenis pinjaman peribadi – pinjaman bercagar dan tidak bercagar. Di Malaysia, pinjaman peribadi yang dibuat oleh orang awam cenderung kepada yang tidak bercagar. Pinjaman peribadi bercagar Secara asasnya pinjaman peribadi bercagar merupakan pinjaman di mana peminjam menawarkan aset mereka, seperti sebuah kereta atau rumah sebagai sejenis jaminan atau cagaran bagi pinjaman mereka. Oleh… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8898,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,105],"tags":[279],"class_list":["post-1695","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-peribadi","tag-bm"],"acf":[],"yoast_head":"\nJenis-Jenis Pinjaman Peribadi Di Malaysia<\/title>\n<meta name=\"description\" content=\"Terdapat dua jenis pinjaman peribadi - bercagar dan tidak bercagar. 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