{"id":5201,"date":"2013-05-03T11:46:10","date_gmt":"2013-05-03T03:46:10","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=5201"},"modified":"2018-01-12T09:57:49","modified_gmt":"2018-01-12T01:57:49","slug":"bagaimana-had-kad-kredit-berfungsi-di-malaysia","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/bagaimana-had-kad-kredit-berfungsi-di-malaysia","title":{"rendered":"Bagaimana Had Kad Kredit Berfungsi Di Malaysia?"},"content":{"rendered":"
\"Kawalan

Kawalan yang diperkenalkan oleh Bank Negara Malaysia dalam 2011 mempunyai impak yang besar terhadap cara had kredit berfungsi di Malaysia hari ini.<\/p><\/div>\n

Pernah terfikir mengapa bank anda memberi kad kredit\u00a0anda had kredit? Pernah terfikir kenapa had kredit anda lebih rendah \/ tinggi dari had kredit rakan-rakan anda? Teruskan membaca untuk mengetahui peraturan-peraturan yang menentukan had-had kredit untuk kad kredit di Malaysia.<\/p>\n

Had Kredit Bagi Yang Berpendapatan RM36,000 Setahun Atau Kurang<\/p>\n

Di Malaysia, pengguna-pengguna kad kredit yang berpendapatan RM36,000 atau kurang dalam setahun terikat dengan peraturan-peraturan berikut:<\/p>\n

– Seorang individu hanya boleh memegang kad-kad prinsipal dari 2 pengeluar kad kredit
\n– Had maksimum kad kredit yang diberikan kepada pemegang kad tidak boleh melebihi 2 kali ganda pendapatan bulanan bagi setiap pengeluar kad kredit<\/p>\n

Kawalan-kawalan di atas diperkenalkan oleh Bank Negara Malaysia dalam 2011 dalam usaha untuk menanam pengurusan kewangan dan hutang yang baik di kalangan pengguna kad kredit warga Malaysia; dan terus digunakan sehingga 2013.<\/p>\n

\n

Apa Maknanya Kepada Anda Jika Anda Memperolehi RM36,000 Atau Kurang Setiap Tahun<\/b><\/b><\/p>\n

– Anda boleh\u00a0memiliki beberapa kad kredit dari 2 bank\u00a0di Malaysia.
\n– Had kredit anda ialah 2 kali ganda gaji bulanan anda dengan 1 bank, yang memberikan anda jumlah keseluruhan had kredit 4 kali ganda gaji bulanan anda dengan 2 bank.<\/p>\n

\n

Contoh: Katakan gaji bulanan anda ialah RM2,000. Had-had kredit anda 2 X RM2,000 dengan Bank A dan 2 X RM2,000 dengan Bank B memberi anda \u00a0kombinasi had kredit sebanyak RM8,000.<\/b><\/b><\/p>\n

 <\/p>\n

Had Kredit Bagi Yang Berpendapatan Lebih Dari RM36,000 Setahun<\/p>\n

Sehingga 2013, tiada kawalan-kawalan spesifik dari Bank Negara Malaysia berkenaan dengan had kredit bagi pemegang-pemegang kad yang berpendapatan lebih dari RM36,000 setahun.<\/p>\n

\n

Apa Maknanya Kepada Anda Jika Anda Memperolehi Lebih Dari RM36,000 Setahun<\/b><\/b><\/p>\n

\n
\n

– Anda boleh\u00a0memiliki beberapa kad kredit dengan seberapa banyak bank di Malaysia, dengan mempertimbangkan yang setiap kad mengenakan cukai khidmat RM50 setahun bagi setiap pemegang kad prinsipal.
\n– Anda\u00a0masih terikat dengan had kredit pada kad-kad kredit anda\u00a0tetapi dikenakan atas budi bicara bank dan bukan Bank Negara Malaysia.<\/b><\/b><\/p>\n

\n

Suka artikel ini? Anda juga mungkin ingin melihat\u00a0benda-benda menarik yang anda mungkin belum tahu mengenai kad-kad kredit di Malaysia.<\/b><\/b><\/p>\n

 <\/p>\n

Sedang mencari kad kredit? Kenapa tidak terus sahaja ke\u00a0jadual perbandingan kad kredit <\/a>\u00a0kami dan lihat pilihan-pilihan yang anda ada.<\/p>\n

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

Pernah terfikir mengapa bank anda memberi kad kredit\u00a0anda had kredit? Pernah terfikir kenapa had kredit anda lebih rendah \/ tinggi dari had kredit rakan-rakan anda? Teruskan membaca untuk mengetahui peraturan-peraturan yang menentukan had-had kredit untuk kad kredit di Malaysia. Had Kredit Bagi Yang Berpendapatan RM36,000 Setahun Atau Kurang Di Malaysia, pengguna-pengguna kad kredit yang berpendapatan… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":5444,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-5201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"\nBagaimana Had Kad Kredit Berfungsi Di Malaysia?<\/title>\n<meta name=\"description\" content=\"Pernah terfikir tentang had kredit pada kad kredit anda? Benarkan iMoney tunjukkan anda peraturan-peraturan yang menentukan had kredit di Malaysia.\" \/>\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\/bagaimana-had-kad-kredit-berfungsi-di-malaysia\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bagaimana Had Kad Kredit Berfungsi Di Malaysia?\" \/>\n<meta property=\"og:description\" content=\"Pernah terfikir tentang had kredit pada kad kredit anda? 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