{"id":54123,"date":"2022-09-29T09:30:39","date_gmt":"2022-09-29T01:30:39","guid":{"rendered":"http:\/\/wordpress-my-161844363.ap-southeast-1.elb.amazonaws.com\/articles\/?p=54123"},"modified":"2022-09-29T09:51:36","modified_gmt":"2022-09-29T01:51:36","slug":"cara-buka-ekuiti-rumah","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/cara-buka-ekuiti-rumah","title":{"rendered":"Ekuiti Rumah: Dapatkan Dana Melalui Hartanah Sedia Ada (Tanpa Perlu Jual)"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Jika kebelakangan ini anda asyik sibuk mencari pinjaman rumah, mungkin anda pernah ternampak pakej pinjaman yang membenarkan anda untuk mendapat wang tunai dengan \u201cmenggunakan dana berdasarkan nilai ekuiti rumah anda\u201d. Bagi mereka yang mahir dalam bidang hartanah, mungkin anda dah tahu serba-serbi. Bagi mereka yang tiada pengalaman dalam bidang pemilikan dan pelaburan hartanah pula, ini adalah artikel yang sesuai untuk anda.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Apa-itu-ekuiti-rumah\"><\/span>Apa itu ekuiti rumah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Secara ringkas, ekuiti rumah merujuk pada perbezaan antara nilai semasa rumah anda terhadap jumlah hutang pinjaman rumah yang anda masih anda.<\/span><\/p>\n<p><b>Sebagai contoh:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Jika nilai semasa rumah anda adalah RM500,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hutang pinjaman rumah anda adalah RM400,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jadi, ekuiti rumah anda adalah = RM500,000 &#8211; RM400,000 = RM100,000<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Apakah-maksud-%E2%80%9Cmembuka-ekuiti-rumah%E2%80%9D\"><\/span><b>Apakah maksud \u201cmembuka ekuiti rumah\u201d?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Jika bank menawarkan anda kemudahan untuk mengakses nilai ekuiti rumah anda, ia bermaksud anda layak untuk mengakses (cth. meminjam) sejumlah wang yang bersamaan dengan nilai ekuiti rumah anda. Seperti contoh di atas, jumlah ekuiti rumah anda adalah RM100,000.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bagaimanakah-cara-untuk-membuka-ekuiti-rumah\"><\/span>Bagaimanakah cara untuk membuka ekuiti rumah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Anda mempunyai dua pilihan:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anda boleh memohon <\/span><b>pinjaman ekuiti rumah atau membuka aliran kredit <\/b><span style=\"font-weight: 400;\">menggunakan hartanah anda sebagai cagaran. Ini akan memberikan anda akses kepada dana yang mungkin bersamaan atau kurang daripada nilai ekuiti rumah anda. Tetapi ingat, kemungkinan besar anda akan dikenakan caj perkhidmatan untuk pengurusan dan pengendalian pinjaman\/aliran kredit anda.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Juga, anda boleh mendapatkan wang tunai melalui memohon <\/span><a href=\"https:\/\/www.imoney.my\/ms\/refinance-rumah\"><span style=\"font-weight: 400;\">pembiayaan semula pinjaman perumahan<\/span><\/a><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> anda. Proses ini dilakukan dengan cara menggantikan pinjaman perumahan semasa anda dengan pembiayaan semula baharu pada jumlah yang lebih tinggi. Ini akan melayakkan anda untuk mengakses perbezaan antara dua pembiayaan (pembiayaan semasa dan baharu) dalam bentuk tunai. Wang tunai yang anda terima boleh digunakan untuk tujuan seperti mengubahsuai rumah, menyatukan hutang kadar faedah atau apa-apa tujuan kewangan yang lain.<\/span><\/span><span style=\"font-weight: 400;\">Antara caj penting yang akan dikenakan adalah termasuk fi guaman serta fi penalti untuk pakej pinjaman semasa anda (jika berkenaan).<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Manfaat-menggunakan-ekuiti-rumah\"><\/span>Manfaat menggunakan ekuiti rumah<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tidak hairanlah mengapa ramai orang memilih untuk menggunakan ekuiti rumah mereka sebagai cara untuk memperoleh wang tunai. Berikut adalah antara sebab utama:<\/span><\/p>\n<ul>\n<li><b>Kadar faedah yang lebih rendah: <\/b><span style=\"font-weight: 400;\">Kebiasaannya, kadar faedah pinjaman menggunakan ekuiti rumah lebih rendah berbanding pinjaman kredit yang lain (cth. <\/span><a href=\"https:\/\/www.imoney.my\/ms\/kad-kredit\"><span style=\"font-weight: 400;\">kad kredit<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li><b>Pengurusan pinjaman yang lebih mudah: <\/b><span style=\"font-weight: 400;\">Impian anda untuk mendapat bantuan kewangan dalam jumlah yang besar akan menjadi lebih mudah dengan menggunakan ekuiti rumah. Ini kerana pihak bank akan lebih yakin untuk memberi pinjaman kepada anda kerana anda meletakkan rumah anda sebagai cagaran.<\/span><\/li>\n<li><b>Tidak rumit: <\/b><span style=\"font-weight: 400;\">Jika anda menukar ekuiti rumah anda kepada aliran kredit, anda tidak perlu risau kerana akses untuk mendapatkan dana tersedia untuk anda pada bila-bila masa. Ini lebih memudahkan pengurusan kewangan anda, berbanding memohon <\/span><a href=\"https:\/\/www.imoney.my\/ms\/pinjaman-peribadi\"><span style=\"font-weight: 400;\">pinjaman peribadi<\/span><\/a><span style=\"font-weight: 400;\"> pada waktu kecemasan.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Hati-hati-ketika-menggunakan-ekuiti-rumah\"><\/span>Hati-hati ketika menggunakan ekuiti rumah<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Walaupun ini adalah salah satu kaedah bantuan kewangan yang tersedia untuk anda, tidak semestinya anda perlu menggunakannya. Ingat, apabila anda menggunakan ekuiti rumah, anda sebenarnya hanya meminjam wang daripada pihak bank dengan meletakkan rumah anda dalam risiko kewangan. Ini sama sahaja seperti pinjaman-pinjaman lain di luar sana \u2013 anda masih perlu membayar kadar faedah, caj kewangan yang lain dan pada masa yang sama perlu mematuhi terma dan syarat pihak bank. <\/span><b>Jika anda gagal memenuhi janji dan tanggungjawab sebagai seorang peminjam, anda mungkin akan kehilangan rumah kesayangan anda.<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sebelum anda mengakses wang melalui ekuiti rumah anda, fahami manfaat dan risiko yang ada.<\/p>\n","protected":false},"author":50,"featured_media":54127,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,103],"tags":[1027,1029,1028],"class_list":["post-54123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-perumahan","tag-ekuiti-rumah","tag-hartanah","tag-perumahan"],"acf":[],"yoast_head":"<!-- This site is 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