{"id":3378,"date":"2013-01-21T23:58:16","date_gmt":"2013-01-21T15:58:16","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=3378"},"modified":"2018-01-12T10:08:07","modified_gmt":"2018-01-12T02:08:07","slug":"pinjaman-kereta-di-malaysia-kadar-konvensional-vs-kadar-boleh-ubah-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/pinjaman-kereta-di-malaysia-kadar-konvensional-vs-kadar-boleh-ubah-bm","title":{"rendered":"Pinjaman Kereta Di Malaysia \u2013 Kadar Konvensional Vs Kadar Boleh-Ubah"},"content":{"rendered":"

Jika anda memandu kereta, pinjaman kereta adalah adalah sesuatu yang kemungkinan besarnya anda pasti kena ambil sekali atau dua kali dalam hidup. Dalam artikel ini, iMoney akan terangkan perbezaan antara pinjaman kereta konvensional dan pinjaman kereta boleh-ubah\u2026 dan apa kesannya pada kocek anda pada jangka masa panjang.<\/p>\n

<\/span>Pinjaman kereta konvensional<\/span><\/h2>\n

Pinjaman kereta konvensional adalah pinjaman yang kadar faedahnya dikira berdasarkan jumlah pokok yang anda pinjam dan tempoh pinjaman. Dengan pinjaman kereta konvensional, bayaran bulanan adalah \u201ctetap\u201d. Jadi jika anda bayar lebih pun untuk satu-satu bulan, yang lebih itu akan dikira sebagai bayaran untuk bulan depan, tapi ini tak akan mengurangkan bayaran faedah yang anda kena bayar.<\/p>\n

\n

Contoh bagaimana pinjaman kereta konvensional berfungsi<\/strong><\/p>\n

Jumlah pokok pinjaman anda: RM100,000<\/strong>
\nKadar faedah pinjaman: 2.5% <\/strong>
\nTempoh pinjaman: 5 tahun<\/strong><\/p>\n

Faedah: 2.5% x RM100,000 x 5 tahun = RM12,500<\/strong>
\nBayaran bulanan anda: (Jumlah pokok + faedah) \/ 60 bulan = RM1,875<\/strong><\/p>\n<\/div>\n

Jika anda bayar RM2,000 pun pada satu-satu bulan dan bukan RM1,875, duit lebih yang anda bayar ini tak akan mengurangkan jumlah faedah yang anda kena bayar.<\/p>\n

<\/span>Pinjaman kereta boleh-ubah<\/span><\/h2>\n

Pinjaman kereta boleh-ubah lebih fleksibel kerana menawarkan anda peluang mengurangkan bayaran faedah, dengan memasukkan wang lebih ke dalam akau semasa anda yang berpaut dengan akaun pinjaman kereta. Jika anda maklum dengan urusan gadai-janji, pinjaman kereta boleh-ubah berfungsi macam pinjaman perumahan fleksi. Buat masa ini hanya Mach dari Hong Leong saja yang kami tahu ada menawarkan pinjaman kereta kadar faedah boleh-ubah di Malaysia.<\/p>\n

\n

Contoh bagaimana pinjaman kereta boleh-ubah berfungsi<\/strong><\/p>\n

Andaikan kadar faedah dan tempoh pinjaman adalah sama dengan contoh pinjaman konvensional, inilah perkiraannya bila anda masukkan RM10,000 ke dalam akaun berpaut:<\/p>\n

Jumlah pokok pinjaman anda: RM100,000<\/strong>
\nJumlah dalam akaun berpaut anda: RM10,000<\/strong>
\nJumlah baru yang dikenakan faedah: RM100,000 \u2013 RM10,000 = RM90,000<\/strong><\/p>\n

Faedah: 2.5% x RM90,000 x 5 tahun = RM11,250<\/strong>
\nBayaran bulanan anda: (Jumlah pokok + faedah) \/ 60 bulan = RM1,687.50<\/strong><\/p>\n<\/div>\n

Pinjaman mana patut anda pilih?<\/h3>\n

Tiada yang betul atau salah dalam memilih pinjaman kereta. Umumnya, kebanyakan orang akan cari pinjaman kereta kadar faedah boleh-ubah kerana ia akan memberi anda peluang melangsaikan pinjaman lebih cepat dan juga menawarkan opsyen mengurangkan bayaran faedah jika anda ada wang lebih. Namun, bagi orang yang suka jadual yang tetap, mereka akan pilih pinjaman konvensional kerana keketapannya memudahkan perkiraan. Tapi dalam soal pinjaman kereta, yang pentingnya ialah anda selidik dulu tawaran-tawaran yang ada, dan anda punyai strategi pembayaran yang jelas.<\/p>\n

Sedang cari pinjaman kereta konvensional yang sesuai? Lihat jadual perbandingan iMoney tentang pinjaman kereta <\/a> untuk mengetahui kadar faedah terkini yang ditawarkan oleh pelbagai bank di Malaysia.<\/p>\n","protected":false},"excerpt":{"rendered":"

Jika anda memandu kereta, pinjaman kereta adalah adalah sesuatu yang kemungkinan besarnya anda pasti kena ambil sekali atau dua kali dalam hidup. Dalam artikel ini, iMoney akan terangkan perbezaan antara pinjaman kereta konvensional dan pinjaman kereta boleh-ubah\u2026 dan apa kesannya pada kocek anda pada jangka masa panjang. Pinjaman kereta konvensional Pinjaman kereta konvensional adalah pinjaman… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8854,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[279],"class_list":["post-3378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-kereta","tag-bm"],"acf":[],"yoast_head":"\nPinjaman Kereta Berkadar Konvensional Vs Kadar Boleh-Ubah<\/title>\n<meta name=\"description\" content=\"Kadar faedah atas pinjaman kereta (atau sewa-beli) di Malaysia biasanya ada dua jenis \u2013 kadar konvensional dan boleh-ubah. 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