{"id":2472,"date":"2023-11-09T11:30:50","date_gmt":"2023-11-09T03:30:50","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2472"},"modified":"2023-11-10T20:22:09","modified_gmt":"2023-11-10T12:22:09","slug":"perkara-asas-dalam-perjanjian-sewa-beli-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/perkara-asas-dalam-perjanjian-sewa-beli-bm","title":{"rendered":"Apa Yang Anda Perlu Tahu Tentang Perkara Asas Dalam Perjanjian Sewa-Beli Kereta"},"content":{"rendered":"<p>Perjanjian sewa-beli adalah konsep yang digunakan untuk membeli aset atau barang yang berkos tinggi.<\/p>\n<p>Pembeli boleh <strong>membuat bayaran muka dahulu<\/strong> dan kemudian menyelesaikan baki pembayaran dalam bentuk ansuran bersama kadar faedah\/keuntungan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Apa-itu-perjanjian-sewa-beli\"><\/span>Apa itu perjanjian sewa-beli?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Namun, jangan keliru antara perjanjian sewa-beli dan ansuran biasa. Kebiasaannya, ansuran biasa memberikan hak pemilikan kepada pembeli secara serta-merta sebaik sahaja kontrak dipersetujui bersama penjual. Bagi perjanjian sewa-beli pula, hak pemilikan hanya diberikan kepada pembeli selepas keseluruhan pembayaran dilakukan.<\/p>\n<p>Anda mungkin telah melihat banyak istilah perjanjian sewa-beli. Berikut adalah senarai istilah dalam perjanjian sewa-beli.<\/p>\n<ul>\n<li><strong>Persediaan dokumen.\u00a0<\/strong>Dokumen asas yang anda perlu sediakan sebelum memasuki perjanjian sewa-beli termasuklah dokumen pendapatan terakhir, kad pengenalan, penyata bank dan dokumen berkenaan barangan tersebut (bergantung sama ada barangan tersebut baru atau terpakai).<\/li>\n<li><strong>Perjanjian.<\/strong>\u00a0Perjanjian sewa-beli haruslah berada dalam bentuk bertulis dan mematuhi syarat-syarat seperti yang telah digariskan dalam <a href=\"https:\/\/www.jbg.gov.my\/images\/doc\/risalah\/booklet-akta-sewa-beli%20.pdf\">Akta Sewa-Beli 1967<\/a>. Jika tidak,\u00a0 perjanjian ini akan dibatalkan.<\/li>\n<li><strong>Penjamin.\u00a0<\/strong>Bagi menyokong permohonan anda, pihak bank mungkin akan meminta anda menamakan seorang penjamin. Penjamin adalah seseorang yang akan menjamin perjanjian sewa-beli anda sekiranya anda gagal memenuhi komitmen bulanan.<\/li>\n<li><strong>Pendahuluan.\u00a0<\/strong>Kebiasaannya, anda perlu membayar wang pendahuluan sebanyak 10% daripada nilai kenderaan anda. Sebagai peringatan, sesetengah pihak bank juga mungkin memerlukan peratusan yang lebih tinggi.<\/li>\n<li><strong>Margin kewangan.\u00a0<\/strong>Dalam pembiayaan sewa-beli, anda selalunya boleh mendapat pembiayaan sehingga 90% (daripada nilai kereta) bank.<\/li>\n<li><strong>Kadar faedah.\u00a0<\/strong><span style=\"font-weight: 400;\">Kadar faedah dan keuntungan sewa-beli anda adalah berbeza yang bergantung pada rundingan anda dengan pihak bank. Kebiasaannya, kadar faedah boleh menjadi tetap (rata) atau boleh-ubah. Kadar faedah tetap atau rata tidak akan berubah, namun begitu ia selalunya lebih tinggi berbanding kadar boleh-ubah. Sebaliknya, kadar faedah boleh-ubah boleh berubah mengikut kadar pinjaman asas (BLR) bank, dan dikira berdasarkan baki belum jelas perjanjian sewa-beli anda.<\/span><\/li>\n<li><b>Insurans kereta.<\/b><span style=\"font-weight: 400;\"> Di Malaysia, anda perlu memastikan kereta anda diinsurankan, dan insuran kereta anda diperbaharui setiap tahun. Ini biasanya adalah salah satu syarat dalam kontrak sewa-beli anda.<\/span><\/li>\n<li><strong><b>Pembayaran.<\/b><span style=\"font-weight: 400;\"> Terdapat yuran penalti untuk pembayaran lewat ke atas pembiayaan sewa-beli anda. Sekiranya terdapat kegagalan membuat pembayaran, kereta anda boleh ditarik oleh bank.<\/span><\/strong><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Proses-perjanjian-sewa-beli\"><\/span>Proses perjanjian sewa-beli<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"\/articles\/wp-content\/uploads\/2012\/11\/Hire-Purchase-Process-in-Malaysia-BM.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2379\" title=\"Hire Purchase Process in Malaysia\" src=\"\/articles\/wp-content\/uploads\/2012\/11\/Hire-Purchase-Process-in-Malaysia-BM.jpg\" alt=\"\" width=\"595\" height=\"262\" \/><\/a><\/p>\n<h3>Tugas dan tanggungjawab anda dalam perjanjian sewa-beli<\/h3>\n<p>Di bawah perjanjian sewa-beli, tanggungjawab utama anda ialah mematuhi perjanjian tersebut. Perkara yang perlu diawasi adalah:<\/p>\n<ul>\n<li>Membayar ansuran bulanan berserta dengan faedah yang dipersetujui kepada pembiaya pada masanya.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memegang sesuatu aset atau barangan tidak bermaksud anda memilikinya, jadi ingatlah supaya konsep ini tidak menjejaskan hak anda atas mana-mana bahagian kenderaan anda sehinggalah anda telah menjelaskan semua hutang yang terdapat pada perjanjian sewa-beli tersebut.<\/span><\/li>\n<li>Anda dinasihatkan untuk menyimpan satu salinan perjanjian, segala resit pembayaran dan dokumen asal dan salinan di tempat yang selamat.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Apa yang paling penting untuk anda lakukan semasa membuat keputusan adalah membaca seluruh terma dan syarat yang dinyatakan dalam perjanjian sewa-beli. Sebagai pengguna, anda berhak untuk mengetahui segala hak anda.<\/span><\/p>\n<p><em>Artikel ini diterbitkan pertama kali pada tahun 2012 dan telah dikemaskini pada tahun 2023 untuk maklumat yang lebih terkini dan tepat.<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Anda mungkin telah melihat banyak istilah perjanjian sewa-beli. Berikutnya kami sediakan senarai istilah atau perkara asas dalam perjanjian sewa-beli.<\/p>\n","protected":false},"author":50,"featured_media":59695,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[1721,1720],"class_list":["post-2472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-kereta","tag-pinjaman-kereta","tag-sewa-beli"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Panduan Asas Dalam Perjanjian Sewa-Beli Kereta<\/title>\n<meta name=\"description\" content=\"Anda mungkin telah melihat banyak istilah perjanjian sewa-beli. 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