{"id":1689,"date":"2012-09-13T12:50:12","date_gmt":"2012-09-13T04:50:12","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1689"},"modified":"2024-09-07T00:58:01","modified_gmt":"2024-09-06T16:58:01","slug":"pinjaman-peribadi-di-malaysia-dijelaskan-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm","title":{"rendered":"Pinjaman Peribadi Di Malaysia &#8211; Satu Penjelasan"},"content":{"rendered":"<p>Pinjaman peribadi pada dasarnya merupakan pinjaman jangka pendek, yang mana tempoh pembayaran balik adalah lebih pendek berbanding dengan gadai janji. Berbanding gadai janji yang memakan masa 10, 20 atau 30 tahun, tempoh bayaran balik pinjaman peribadi biasanya di antara satu hingga lima tahun. Perkhidmatan ini pada dasarnya disediakan oleh bank pada satu kos, yang dikenali sebagai kadar faedah ke atas hutang itu sendiri.<\/p>\n<p>Pinjaman peribadi membolehkan seseorang memenuhi kehendak peribadi mereka dan keperluan lain, sama ada untuk beli kereta, melancong, mengubahsuai rumah, membuat perbelanjaan perubatan semasa dan lain-lain lagi. Ia sejenis hutang yang bukan pinjaman perniagaan dan bukan pinjaman rumah jangka panjang.<\/p>\n<h2>Penyatuan Hutang<\/h2>\n<p>Pinjaman peribadi juga boleh digunakan bagi menampung hutang semasa, di mana ia digunakan untuk menggabungkan beberapa pinjaman lain menjadi satu. Ini adalah apa yang kita panggil penyatuan hutang. Individu yang buat pinjaman penyatuan hutang pada dasarnya menyatukan semua kadar faedah tinggi hutang mereka dan menggabungkannya menjadi satu pinjaman dengan kadar faedah yang lebih rendah.<\/p>\n<p>Secara ringkas, pinjaman peribadi adalah pinjaman yang menyediakan bantuan kewangan dalam bentuk pendahuluan tunai kepada peminjam.<\/p>\n<p>Ia biasanya bebas dari kerumitan kerana tak melibatkan proses yang rumit, mempunyai syarat yang lebih mudah dan kelulusan yang lebih cepat.<\/p>\n<p>Anda sedang cari pinjaman peribadi tanpa kerumitan? Lihatlah <a href=\"https:\/\/www.imoney.my\/ms\/pinjaman-peribadi\">jadual perbandingan pinjaman peribadi<\/a> iMoney untuk kadar faedah yang terbaik!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pinjaman peribadi pada dasarnya merupakan pinjaman jangka pendek, yang mana tempoh pembayaran balik adalah lebih pendek berbanding dengan gadai janji. Berbanding gadai janji yang memakan masa 10, 20 atau 30 tahun, tempoh bayaran balik pinjaman peribadi biasanya di antara satu hingga lima tahun. Perkhidmatan ini pada dasarnya disediakan oleh bank pada satu kos, yang dikenali&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8708,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,105],"tags":[279],"class_list":["post-1689","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-peribadi","tag-bm"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pinjaman Peribadi Di Malaysia - Satu Penjelasan<\/title>\n<meta name=\"description\" content=\"Pinjaman peribadi pada dasarnya merupakan pinjaman jangka pendek, yang mana tempoh pembayaran balik adalah lebih pendek berbanding dengan gadai janji\" \/>\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\/pinjaman-peribadi-di-malaysia-dijelaskan-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pinjaman Peribadi Di Malaysia - Satu Penjelasan\" \/>\n<meta property=\"og:description\" content=\"Pinjaman peribadi pada dasarnya merupakan pinjaman jangka pendek, yang mana tempoh pembayaran balik adalah lebih pendek berbanding dengan gadai janji\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2012-09-13T04:50:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-06T16:58:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/mestibaca-pinjamanperibadi.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"335\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm\",\"url\":\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm\",\"name\":\"Pinjaman Peribadi Di Malaysia - Satu Penjelasan\",\"isPartOf\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm#primaryimage\"},\"thumbnailUrl\":\"\/articles\/wp-content\/uploads\/mestibaca-pinjamanperibadi.jpg\",\"datePublished\":\"2012-09-13T04:50:12+00:00\",\"dateModified\":\"2024-09-06T16:58:01+00:00\",\"author\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Pinjaman peribadi pada dasarnya merupakan pinjaman jangka pendek, yang mana tempoh pembayaran balik adalah lebih pendek berbanding dengan gadai janji\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm#primaryimage\",\"url\":\"\/articles\/wp-content\/uploads\/mestibaca-pinjamanperibadi.jpg\",\"contentUrl\":\"\/articles\/wp-content\/uploads\/mestibaca-pinjamanperibadi.jpg\",\"width\":335,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-di-malaysia-dijelaskan-bm#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.imoney.my\/articles\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Artikel Terkini\",\"item\":\"https:\/\/www.imoney.my\/articles\/category\/artikel-terkini\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Pinjaman Peribadi Di Malaysia &#8211; 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