{"id":3068,"date":"2012-11-24T18:48:59","date_gmt":"2012-11-24T10:48:59","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=3068"},"modified":"2018-01-12T10:08:11","modified_gmt":"2018-01-12T02:08:11","slug":"faktor-yang-mempengaruhi-kadar-faedah-pinjaman-kereta-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/faktor-yang-mempengaruhi-kadar-faedah-pinjaman-kereta-bm","title":{"rendered":"Faktor Yang Mempengaruhi Kadar Faedah Pinjaman Kereta"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-8874 alignleft\" alt=\"Car-Loan-calculator\" src=\"\/articles\/wp-content\/uploads\/Car-Loan-calculator-300x174.jpg\" width=\"270\" height=\"157\" srcset=\"\/articles\/wp-content\/uploads\/Car-Loan-calculator-300x174.jpg 300w, \/articles\/wp-content\/uploads\/Car-Loan-calculator-86x50.jpg 86w, \/articles\/wp-content\/uploads\/Car-Loan-calculator.jpg 750w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\" \/><\/p>\n<p><span style=\"font-size: 13px;\">Faedah boleh dianggap sebagai bayaran tambahan atas jumlah yang anda pinjam untuk membeli kereta anda. Kadar faedah setiap bank berbeza bergantung kepada perjanjian anda dan juga beberapa faktor lain termasuk:<\/span><\/p>\n<ul>\n<li><strong>Model kereta pilihan anda<\/strong>: Nilai dan model kereta anda dapat memberi kesan kepada kadar faedah \u2013 Segalanya, dari sama ada ia Proton Saga FLX atau Honda, akan mempengaruhi kadar faedah pinjaman kereta anda. Ini termasuklah sama ada kereta pilihan anda adalah kereta terpakai atau kereta baru.<\/li>\n<li><strong>Skor\/rekod kredit anda<\/strong>: Ini merupakan satu penentu utama kadar faedah pinjaman kereta anda. Jika rekod kredit anda cemerlang, ia akan memberi keyakinan kepada bank bahawa anda akan membayar pinjaman anda pada masanya. Oleh itu kadar faedah atas pinjaman kereta anda mungkin direndahkan. Namun, skor kredit yang tidak baik kemungkinan akan meninggikan kadar faedah.<\/li>\n<li><strong>Status kewangan anda<\/strong>: Ini merujuk kepada pendapatan bulanan anda dan kemampuan membayar balik pinjaman yang diberi. Jika pendapatan bulanan anda tinggi, kadar faedah atas pinjaman kereta anda biasanya lebih rendah dan juga sebaliknya.<\/li>\n<li><strong>Polisi bank<\/strong>: Sesetengah bank mempunyai syarat dan polisi tambahan yang mempunyai kesan terhadap kadar faedah anda.<\/li>\n<li><strong>Tempoh pinjaman<\/strong>: Jangka masa pinjaman sudah pasti mempengaruhi kadar faedah atas pinjaman kereta anda. Menurut kebiasaannya, lebih lama tempoh pinjaman, lebih rendah kadar faedah.<\/li>\n<\/ul>\n<h2>Lain-lain yuran dan caj berkenaan pinjaman kereta<\/h2>\n<p>Terdapat lain-lain caj tambahan yang anda mungkin tak sedar yang muncul bersama-sama dengan pinjaman kereta anda. Untuk mengelakkan dari membayar yuran-yuran tambahan, lebih baik anda bertanya kepada pegawai bank yang berkenaan.<\/p>\n<p>Di antara yuran dan caj yang biasa dikenakan termasuklah, yuran pemprosesan, duti setem, yuran transaksi, yuran pos, yuran pendaftaran, dll.<\/p>\n<p><strong>Tip ringkas<\/strong>: Sentiasa mohon untuk mendapatkan pengecualian yuran bila anda memohon pinjaman kereta (atau apa-apa pinjaman pun) &#8211; walaupun tidak semestinya dapat sepanjang masa, sesekali dapat ia boleh menjimatkan anda dua tiga ratus ringgit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Faedah boleh dianggap sebagai bayaran tambahan atas jumlah yang anda pinjam untuk membeli kereta anda. Kadar faedah setiap bank berbeza bergantung kepada perjanjian anda dan juga beberapa faktor lain termasuk: Model kereta pilihan anda: Nilai dan model kereta anda dapat memberi kesan kepada kadar faedah \u2013 Segalanya, dari sama ada ia Proton Saga FLX atau&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/faktor-yang-mempengaruhi-kadar-faedah-pinjaman-kereta-bm\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8874,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[279],"class_list":["post-3068","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 v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Faktor Yang Mempengaruhi Kadar Faedah Pinjaman Kereta<\/title>\n<meta name=\"description\" content=\"Faedah boleh dianggap sebagai bayaran tambahan atas jumlah yang dipinjam untuk membeli kereta. Kadar faedah setiap bank berbeza bergantung kepada perjanjian\" \/>\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\/faktor-yang-mempengaruhi-kadar-faedah-pinjaman-kereta-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Faktor Yang Mempengaruhi Kadar Faedah Pinjaman Kereta\" \/>\n<meta property=\"og:description\" content=\"Faedah boleh dianggap sebagai bayaran tambahan atas jumlah yang dipinjam untuk membeli kereta. Kadar faedah setiap bank berbeza bergantung kepada perjanjian\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/faktor-yang-mempengaruhi-kadar-faedah-pinjaman-kereta-bm\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-24T10:48:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-01-12T02:08:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/Car-Loan-calculator.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"436\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imoney.my\/articles\/faktor-yang-mempengaruhi-kadar-faedah-pinjaman-kereta-bm\",\"url\":\"https:\/\/www.imoney.my\/articles\/faktor-yang-mempengaruhi-kadar-faedah-pinjaman-kereta-bm\",\"name\":\"Faktor Yang Mempengaruhi Kadar Faedah Pinjaman Kereta\",\"isPartOf\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/faktor-yang-mempengaruhi-kadar-faedah-pinjaman-kereta-bm#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/faktor-yang-mempengaruhi-kadar-faedah-pinjaman-kereta-bm#primaryimage\"},\"thumbnailUrl\":\"\/articles\/wp-content\/uploads\/Car-Loan-calculator.jpg\",\"datePublished\":\"2012-11-24T10:48:59+00:00\",\"dateModified\":\"2018-01-12T02:08:11+00:00\",\"author\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Faedah boleh dianggap sebagai bayaran tambahan atas jumlah yang dipinjam untuk membeli kereta. 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