{"id":1759,"date":"2012-05-24T06:34:19","date_gmt":"2012-05-23T22:34:19","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1759"},"modified":"2019-02-22T13:01:05","modified_gmt":"2019-02-22T05:01:05","slug":"apakah-sewa-beli-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/apakah-sewa-beli-bm","title":{"rendered":"Apakah Sewa Beli?"},"content":{"rendered":"<p>Sewa beli merupakan antara kaedah yang paling biasa digunakan untuk membeli kereta di Malaysia. Istilah &#8220;sewa beli&#8221; sering juga dirujuk sebagai &#8220;pinjaman kereta&#8221;. Di Malaysia, apabila anda membuat pinjaman dengan bank untuk membeli sebuah kereta baru, anda pada asasnya memasuki satu perjanjian sewa beli dengan bank.<\/p>\n<h2>Perjanjian Sewa Beli Kereta<\/h2>\n<p>Dalam perjanjian sewa beli, anda merupakan pengguna kereta, dan bertanggungjawab untuk menginsurankan dan menyelenggara, tetapi bank (atau pemberi pinjaman) kekal sebagai pemilik yang sah di sisi undang-undang. Secara ringkas, anda sedang &#8220;menyewa&#8221; (fikirkannya sebagai &#8220;menyewa&#8221;) kereta yang dimiliki oleh bank. Sebagai penyewa, anda perlu membayar ansuran bulanan kepada bank berdasarkan apa yang telah dipersetujui dalam perjanjian sewa beli anda. Ansuran biasanya termasuk 1) satu komponen faedah (caj yang dikenakan oleh bank untuk &#8220;pinjaman&#8221; ini) dan 2) komponen prinsipal (pecahan bayaran daripada jumlah keseluruhan&#8221;pinjaman&#8221;).<\/p>\n<p>Setelah semua ansuran dibayar, pemilikan sah kereta dipindahkan daripada bank kepada anda. Ini bermakna, sebelum anda menjelaskan sepenuhnya jumlah pinjaman yang dipersetujui dalam perjanjian sewa beli anda, anda tidak memiliki kereta anda secara sah.<\/p>\n<p>Disebabkan cara pemilikan kereta yang berstruktur, jika anda gagal untuk membayar ansuran pada masa yang ditetapkan, bank boleh menarik semula kereta anda.<\/p>\n<p>Hendak tahu kadar sewa beli yang terbaik di Malaysia? Rujuk <a href=\"https:\/\/www.imoney.my\/ms\/pinjaman-kereta\" target=\"_blank\">jadual perbandingan sewa beli iMoney<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sewa beli merupakan antara kaedah yang paling biasa digunakan untuk membeli kereta di Malaysia. Istilah &#8220;sewa beli&#8221; sering juga dirujuk sebagai &#8220;pinjaman kereta&#8221;. Di Malaysia, apabila anda membuat pinjaman dengan bank untuk membeli sebuah kereta baru, anda pada asasnya memasuki satu perjanjian sewa beli dengan bank. Perjanjian Sewa Beli Kereta Dalam perjanjian sewa beli, anda&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/apakah-sewa-beli-bm\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2616,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[279],"class_list":["post-1759","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-kereta","tag-bm"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Apakah Sewa Beli? Panduan Pinjaman Kereta iMoney<\/title>\n<meta name=\"description\" content=\"Sewa beli merupakan kaedah yang paling biasa digunakan untuk membeli kereta di Malaysia. 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