{"id":1715,"date":"2012-05-29T04:33:34","date_gmt":"2012-05-28T20:33:34","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1715"},"modified":"2018-01-12T10:08:52","modified_gmt":"2018-01-12T02:08:52","slug":"6-perkara-yang-anda-perlu-tahu-sebelum-anda-ambil-pinjaman-kereta-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/6-perkara-yang-anda-perlu-tahu-sebelum-anda-ambil-pinjaman-kereta-bm","title":{"rendered":"6 Perkara Yang Perlu Diketahui Sebelum Buat Pinjaman Kereta"},"content":{"rendered":"

Jadi anda terpikat dengan Preve baru yang cun dan sekarang sedang berusaha dapatkan pinjaman kereta dari bank (juga dikenali sebagai “sewa beli\u201d). Sebelum buat komitmen yang biasanya akan memakan masa selama sembilan tahun panjangnya, ini maklumat yang anda patut tahu pasal perjanjian pinjaman kereta.<\/p>\n

<\/span>1. Deposit minimum kereta<\/span><\/h2>\n

Deposit minimum yang bank biasanya minta adalah 10% dari harga pembelian kereta. Sebagai contoh, jika kos kereta baru anda RM50,000, anda biasanya perlu bayar RM5,000 sebagai wang pendahuluan. Walau bagaimanapun, sesetengah bank mungkin akan minta jumlah yang lebih tinggi.<\/p>\n

<\/span>2. Kadar faedah tetap berbanding kadar boleh ubah<\/span><\/h2>\n

Kebanyakan bank akan tawarkan pilihan kadar faedah tetap atau boleh ubah untuk pinjaman kereta. Kadar faedah tetap pinjaman bermakna kadar faedah anda akan kekal berterusan sepanjang tempoh pinjaman. Untuk pinjaman kadar faedah boleh ubah, bank biasanya menyebut peratusan tertentu di atas Kadar Pinjaman Asas (BLR), yang bermaksud jumlah faedah yang anda bayar akan berubah apabila BLR berubah.<\/p>\n

<\/span>3. Caj pembayaran lewat<\/span><\/h2>\n

Jika anda lewat buat bayaran ansuran kereta anda, bank boleh kenakan penalti pembayaran lewat dan kenakan faedah tambahan harian ke atas jumlah tertunggak. Baca cetak halus supaya anda tak terkejut nanti.<\/p>\n

<\/span>4. Penjamin<\/span><\/h2>\n

Bergantung kepada apa yang bank rasa tentang keupayaan anda membayar balik pinjaman, anda mungkin dikehendaki menamakan “penjamin” bagi menyokong permohonan anda. Penjamin asasnya adalah orang yang akan bertanggungjawab membayar bahagian yang belum dibayar pada pinjaman anda, termasuk semua yuran dan caj faedah yang terkumpul, jika anda gagal menghormati perjanjian pinjaman kereta.<\/p>\n

<\/span>5. Insurans<\/span><\/h2>\n

Sebagai penyewa kereta atau peminjam, adalah tanggungjawab anda memastikan kereta anda diinsuranskan dengan betul. Bank biasanya perlukan anda ambil perlindungan insurans komprehensif ke atas kereta anda sebelum meluluskan pinjaman.<\/p>\n

<\/span>6. Penarikan<\/span><\/h2>\n

Penarikan boleh berlaku bila anda dan penjamin anda gagal menghormati perjanjian pinjaman kereta anda. Ini biasanya berlaku apabila peminjam berulang kali gagal membayar ansuran bulanan seperti yang dipersetujui dalam perjanjian.<\/p>\n","protected":false},"excerpt":{"rendered":"

Jadi anda terpikat dengan Preve baru yang cun dan sekarang sedang berusaha dapatkan pinjaman kereta dari bank (juga dikenali sebagai “sewa beli\u201d). Sebelum buat komitmen yang biasanya akan memakan masa selama sembilan tahun panjangnya, ini maklumat yang anda patut tahu pasal perjanjian pinjaman kereta. 1. Deposit minimum kereta Deposit minimum yang bank biasanya minta adalah… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[279],"class_list":["post-1715","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-kereta","tag-bm"],"acf":[],"yoast_head":"\n6 Perkara Yang Perlu Diketahui Sebelum Buat Pinjaman Kereta<\/title>\n<meta name=\"description\" content=\"Sebelum mengambil pinjaman kereta (ianya komitmen yang panjang), ini maklumat yang anda patut tahu pasal perjanjian pinjaman kereta.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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