{"id":2468,"date":"2012-11-10T18:20:52","date_gmt":"2012-11-10T10:20:52","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2468"},"modified":"2018-01-12T10:08:35","modified_gmt":"2018-01-12T02:08:35","slug":"pembiayaan-sewa-beli-di-malaysia-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/pembiayaan-sewa-beli-di-malaysia-bm","title":{"rendered":"Pembiayaan Sewa-Beli Di Malaysia"},"content":{"rendered":"

<\/span>Apakah dia sewa-beli?<\/span><\/h2>\n

Anda telah menjumpai kereta yang berkenan di hati, namun harganya membuatkan anda patah balik. Biasanya dalam keadaan seperti ini, kemudahan pembiayaan sewa-beli<\/strong> yang anda cari. Ia membantu anda membiayaai pembelian kereta idaman secara ansuran bila anda tak dapat kemukakan setongkol jumlah pembelian penuh.<\/p>\n

Pembiayaan sewa-beli biasanya dipanggil \u201cpinjaman kereta\u201d. Bila anda buat pembiayaan sewa-beli, anda adalah \u201cpenyewa\u201d, and pihak yang memberi pinjaman (selalunya bank) adalah \u201cpemilik\u201d. Di Malaysia, urusan sewa-beli dikawal di bawah Akta Sewa-Beli 1967. Akta ini menggariskan hak dan tanggungjawab pemilik dan penyewa dari segi undang-undang.<\/p>\n

<\/span>Bagaimana sewa-beli berfungsi?<\/span><\/h2>\n

Setelah anda pilih kereta idaman, anda biasanya akan membayar wang pendahuluan minimum (contohnya 10% daripada nilai kereta) kepada penjual kereta. Bakinya (iaitu 90% lagi) akan dibayar oleh bank di bawah perjanjian sewa-beli anda dengannya.<\/p>\n

Pada masa ini, bank \u201cmemilikki\u201d kereta idaman anda tersebut. Anda memasuki perjanjian sewa-beli untuk menyewa kereta tersebut daripada bank selama tempoh yang ditentukan. Sebagai balasan, anda berjanji untuk buat pembayaran bulanan tertentu (termasuk faedah) kepada bank.<\/p>\n

Setelah semua pembayaran habis dibuat, hak milik kereta tersebut akan dipindahkan kepada anda. Pada asasnya, dalam perjanjian sewa-beli, anda tak punyai hak milik ke atas kereta yang anda beli selagi semua bayaran seperti dalam perjanjian telah dibereskan. Anda boleh pohon pembiayaan sewa-beli dari bank atau dari penjual kereta. Carta ringkas di bawah menerangkan transaksi dalam pembiayaan sewa-beli yang melibatkan anda, penjual kereta dan pembiaya (bank).<\/p>\n

\"\"<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Apakah dia sewa-beli? Anda telah menjumpai kereta yang berkenan di hati, namun harganya membuatkan anda patah balik. Biasanya dalam keadaan seperti ini, kemudahan pembiayaan sewa-beli yang anda cari. Ia membantu anda membiayaai pembelian kereta idaman secara ansuran bila anda tak dapat kemukakan setongkol jumlah pembelian penuh. Pembiayaan sewa-beli biasanya dipanggil \u201cpinjaman kereta\u201d. Bila anda buat… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8892,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[279],"class_list":["post-2468","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-kereta","tag-bm"],"acf":[],"yoast_head":"\nPembiayaan Sewa-Beli Di Malaysia<\/title>\n<meta name=\"description\" content=\"Bila anda buat pembiayaan sewa-beli, anda adalah \u201cpenyewa\u201d, dan pihak yang memberi pinjaman (selalunya bank) adalah \u201cpemilik\u201d.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/pembiayaan-sewa-beli-di-malaysia-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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