{"id":4468,"date":"2013-04-04T16:50:02","date_gmt":"2013-04-04T08:50:02","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=4468"},"modified":"2018-01-12T10:08:02","modified_gmt":"2018-01-12T02:08:02","slug":"4-perkara-yang-anda-perlu-tahu-tentang-pinjaman-kereta-boleh-ubah","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/4-perkara-yang-anda-perlu-tahu-tentang-pinjaman-kereta-boleh-ubah","title":{"rendered":"4 Perkara Yang Anda Perlu Tahu Tentang Pinjaman Kereta Boleh-Ubah"},"content":{"rendered":"
\"

Pinjaman kereta boleh-ubah memberi anda sedikit sebanyak fleksibiliti berkenaan dengan bayaran balik.<\/p><\/div>\n

Pinjaman kereta boleh-ubah ialah sejenis pinjaman kereta yang memberi anda pilihan untuk mengurangkan faedah dan tempoh bayaran balik dengan lebihan pendapatan bolehguna (extra disposable income) anda. Walaupun is adalah pilihan bijak untuk sesetengah demografi-demografi pengguna; ia berkekalan sebagai satu konsep baru di Malaysia\u2026 satu perkara yang ramai pemilik-pemilik kereta sendiri tidak tahu apabila membeli kereta baru!<\/p>\n

Jika anda sedang giat mempertimbangkan pilihan-pilihan pinjaman untuk kereta baru anda sekarang, berikut adalah 4 perkara tentang pinjaman kereta boleh-ubah yang anda mungkin berminat untuk tahu.<\/p>\n

<\/h3>\n

<\/span>1) Ia Berkesan Bila Anda Mempunyai Lebihan Pendapatan Bolehguna (Disposable Income)<\/span><\/h2>\n

Dengan pinjaman kereta boleh-ubah, anda boleh mengurangkan baki faedah dengan mendepositkan wang tambahan anda ke akaun yang berkenaan, yang akan mengimbangi (offsets) sebahagian daripada jumlah pinjaman prinsipal di mana faedah anda didasarkan.<\/p>\n

Contoh:<\/strong>
\nJumlah Pinjaman Asal Anda : RM100.000
\nWang Dalam Akaun Berkaitan : RM20,000
\nFaedah Dikira Berdasarkan : RM100,000 \u2013 RM20,000 =\u00a0RM80,000<\/strong><\/p>\n

Sudah tentu ini hanya berkesan jika anda dianggarkan mempunyai lebihan pendapatan terlebih dahulu<\/span>, sama ada daripada pekerjaan sampingan atau bonus tahunan daripada majikan anda.<\/p>\n

<\/h3>\n

<\/span>2) Ada Had Untuk Jumlah Faedah Yang Anda Boleh Imbangi (Offset)<\/span><\/h2>\n

Secara teori, sesiapa sahaja boleh membayar faedah kosong (zero interest) dengan pinjaman kereta boleh-ubah dengan mendepositkan jumlah wang yang sama dengan jumlah pinjaman kereta mereka ke dalam akaun yang berkenaan.<\/p>\n

<\/h3>\n

<\/span>3) Kadar Faedah Lebih Tinggi Daripada Pinjaman Konvensional, TETAPI Ia Bukan Satu Masalah<\/span><\/h2>\n

Ya, kadar faedah pinjaman boleh-ubah lazimnya lebih tinggi daripada pinjaman konvensional. Namun begitu, kebanyakkan akaun-akaun pinjaman boleh-ubah mengira faedah anda berdasarkan kepada Kaedah Pengurangan Baki (di mana faedah dikira dari semasa ke semasa berdasarkan kepada jumlah pinjaman yang telah ditolak daripada jumlah yang anda telah bayar.)<\/p>\n

<\/h3>\n

<\/span>4) Anda Boleh Mengeluarkan Wang Yang Didepositkan<\/span><\/h2>\n

Dengan pinjaman kereta boleh-ubah, anda boleh mengeluarkan wang yang anda depositkan di akaun yang berkaitan\u2026 yang amat berguna ketika kecemasan. Apabila anda berbuat demikian, akaun pinjaman anda hanya mengira balik faedah anda dengan menambah jumlah wang yang dikeluarkan kepada jumlah pinjaman prinsipal anda.<\/p>\n

 <\/p>\n

Suka artikel ini? Anda juga mungkin ingin membaca tentang\u00a0perbezaan antara pinjaman kereta konvensional dan boleh-ubah<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pinjaman kereta boleh-ubah ialah sejenis pinjaman kereta yang memberi anda pilihan untuk mengurangkan faedah dan tempoh bayaran balik dengan lebihan pendapatan bolehguna (extra disposable income) anda. Walaupun is adalah pilihan bijak untuk sesetengah demografi-demografi pengguna; ia berkekalan sebagai satu konsep baru di Malaysia\u2026 satu perkara yang ramai pemilik-pemilik kereta sendiri tidak tahu apabila membeli kereta… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8799,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[279],"class_list":["post-4468","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-kereta","tag-bm"],"acf":[],"yoast_head":"\n4 Perkara Yang Anda Perlu Tahu Tentang Pinjaman Kereta Boleh-Ubah<\/title>\n<meta name=\"description\" content=\"Pinjaman kereta boleh-ubah ialah sejenis pinjaman kereta yang memberi anda pilihan untuk mengurangkan faedah dan tempoh bayaran balik anda.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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