{"id":1698,"date":"2012-09-17T15:32:59","date_gmt":"2012-09-17T07:32:59","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1698"},"modified":"2018-01-12T10:10:03","modified_gmt":"2018-01-12T02:10:03","slug":"4-perkara-yang-anda-perlu-tahu-sebelum-memohon-pinjaman-peribadi-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/4-perkara-yang-anda-perlu-tahu-sebelum-memohon-pinjaman-peribadi-bm","title":{"rendered":"4 Perkara Yang Anda Perlu Tahu Sebelum Pohon Pinjaman Peribadi"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-8930 alignleft\" alt=\"loan-application\" src=\"\/articles\/wp-content\/uploads\/Thinking-Women-Asian-1-300x199.jpg\" width=\"270\" height=\"179\" srcset=\"\/articles\/wp-content\/uploads\/Thinking-Women-Asian-1-300x199.jpg 300w, \/articles\/wp-content\/uploads\/Thinking-Women-Asian-1-75x50.jpg 75w, \/articles\/wp-content\/uploads\/Thinking-Women-Asian-1.jpg 425w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\" \/><\/p>\n<p>Nak dapatkan tawaran terbaik pinjaman peribadi boleh jadi satu tugas yang memenatkan. Terdapat lebih dari satu dozen bank yang menawarkan pinjaman peribadi di Malaysia. Sebelum anda buat pilihan bank yang terbaik, di sini ada beberapa petua yang perlu diberi perhatian.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kriteria-kelayakan-pinjaman-peribadi\"><\/span>Kriteria kelayakan pinjaman peribadi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Banyak pinjaman peribadi kenakan syarat-syarat kelayakan yang ketat. Untuk semak kelayakan pinjaman peribadi di Malaysia, berikut adalah antara syarat-syaratnya:<\/p>\n<ul>\n<li>Berumur melebihi 21 tahun (ini berbeza mengikut bank\u2013 sesetengah bank menerima pemohon pinjaman yang berumur 18 tahun atau lebih)<\/li>\n<li>warganegara Malaysia atau mempunyai status penduduk tetap (PR)<\/li>\n<li>Mempunyai akaun bank yang masih aktif<\/li>\n<li>Mempunyai pendapatan tetap \/ gaji, atau bekerja sendiri<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Kadar-faedah-rata\"><\/span>Kadar faedah rata<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pada asasnya, kadar faedah rata ialah faedah yang dikenakan ke atas prinsipal penuh anda (jumlah yang dipinjam) sepanjang tempoh pinjaman.<\/p>\n<p>Walaupun pengiraannya agak mudah, peminjam selalunya tak perasan bahawa melalui pengiraan kadar faedah rata, faedah sentiasa dikenakan berdasarkan jumlah pinjaman asal anda. Oleh itu, tak kira berapa banyak jumlah yang telah anda bayar, anda (peminjam) masih perlu bayar faedah penuh seperti yang dikira pada permulaan pinjaman anda.<\/p>\n<p><strong>Satu contoh bagaimana kadar faedah rata dikira:<\/strong> Katakan anda ambil pinjaman sebanyak RM10,000 dengan kadar faedah yang rata sebanyak 10% setahun. Caj faedah akan menjadi RM1,000 setiap tahun sehingga keseluruhan jumlah pinjaman diselesaikan \/ dibayar balik (iaitu kadar faedah sebanyak RM1,000 setiap tahun tanpa mengira baki pinjaman anda).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Yuran-untuk-pembayaran-balik-awal\"><\/span>Yuran untuk pembayaran balik awal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sesetengah pemberi pinjaman akan kenakan penalti terhadap peminjam yang nak bayar sepenuhnya pinjaman peribadi mereka lebih awal dari tempoh yang dipersetujui (ini kerana ia akan menyebabkan pemberi pinjaman gagal mendapat kadar faedah penuh yang akan didapati jika peminjam meneruskan pinjaman mengikut tempoh penuh). Yuran pelunasan awal selalunya adalah peratusan (sekitar 2% hingga 3%) yang dikenakan ke atas baki pinjaman tertunggak pada masa pembayaran balik penuh.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Caj-pembayaran-lewat\"><\/span>Caj pembayaran lewat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sekiranya anda gagal buat pembayaran balik pinjaman bulanan anda pada masa yang ditetapkan, anda mungkin akan dikenakan yuran bayaran lewat. Di samping itu, terdapat juga dua perkara yang mungkin berlaku. Pertama, pemberi pinjaman ada hak untuk ambil tindakan undang-undang terhadap anda. Kedua, bank boleh potong mana-mana baki kredit dari akaun bank anda (dengan syarat ia adalah bank yang sama) untuk mengimbangi jumlah yang anda terhutang dalam pinjaman anda. Jika peminjam telah mendapatkan pinjaman bercagar, bank boleh menarik balik aset yang ditetapkan sebagai cagaran.<\/p>\n<p>Nak pohon pinjamam peribadi? Ketahui bank mana yang menawarkan <a href=\"\/ms\/pinjaman-peribadi\">kadar faedah termurah di Malaysia<\/a> di sini!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nak dapatkan tawaran terbaik pinjaman peribadi boleh jadi satu tugas yang memenatkan. Terdapat lebih dari satu dozen bank yang menawarkan pinjaman peribadi di Malaysia. Sebelum anda buat pilihan bank yang terbaik, di sini ada beberapa petua yang perlu diberi perhatian. Kriteria kelayakan pinjaman peribadi Banyak pinjaman peribadi kenakan syarat-syarat kelayakan yang ketat. Untuk semak kelayakan&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/4-perkara-yang-anda-perlu-tahu-sebelum-memohon-pinjaman-peribadi-bm\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8930,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,105],"tags":[209],"class_list":["post-1698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-peribadi","tag-mesti-baca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4 Perkara Yang Perlu Diketahui Sebelum Memohon Pinjaman Peribadi<\/title>\n<meta name=\"description\" content=\"Mencari pinjaman peribadi yang terbaik adalah suatu tugas yang memenatkan. 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