{"id":1692,"date":"2012-09-21T12:27:07","date_gmt":"2012-09-21T04:27:07","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1692"},"modified":"2018-01-12T10:09:59","modified_gmt":"2018-01-12T02:09:59","slug":"pinjaman-peribadi-berbanding-barisan-kredit-b","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/pinjaman-peribadi-berbanding-barisan-kredit-b","title":{"rendered":"Pinjaman Peribadi Berbanding Barisan Kredit"},"content":{"rendered":"

Akan tiba saat dalam hidup ini bila kebanyakan daripada kita akan buat pinjaman untuk membiayai pembelian utama. Pihak yang kita rujuk dalam hal ini ialah institusi kewangan seperti bank yang buat keuntungan dengan memberi pinjaman wang, pinjaman peribadi atau barisan kredit (LOC). Pinjaman peribadi dan barisan kredit mempunyai kelebihan dan kekurangan masing-masing. Bergantung kepada situasi anda, salah satu mungkin lebih efektif dari segi kosnya dalam jangka masa panjang. Oleh itu penting untuk ketahui perbezaan di antara dua pilihan ini.<\/p>\n

<\/span>Apakah dia pinjaman peribadi?<\/span><\/h2>\n

Pinjaman peribadi pada asasnya merupakan sejumlah wang yang anda pinjam sekaligus dari bank atau mana-mana institusi kewangan yang lain. Dengan pinjaman peribadi, anda bayar kadar faedah ke atas prinsipal anda (jumlah awal yang anda pinjam). Faedah perlu dibayar sepanjang tempoh pinjaman, bergantung kepada perbincangan anda dengan pemberi pinjaman. Kadar faedah ini boleh jadi tetap atau boleh ubah, berdasarkan pilihan anda.<\/p>\n

Pinjaman peribadi memberi sedikit rasa kepastian kepada peminjam kerana anda sedar akan jumlah yang anda pinjam, bayaran bulanan serta syarat dan terma pinjaman itu sendiri.<\/p>\n

<\/span>Apakah dia barisan kredit?<\/span><\/h2>\n

Satu barisan kredit sebaliknya adalah sejenis pinjaman yang tiada jumlah yang tetap. Berdasarkan perjanjian anda dengan bank, pemberi pinjaman dan anda bersetuju dengan jumlah maksimum yang anda boleh pinjam, yang dikenali sebagai “had kredit” anda. Fleksibiliti adalah satu kelebihan yang datang dengan barisan kredit. Sebagai contoh, anda bersetuju pada had RM20,000 kemudahan kredit dengan bank, tapi pada bila-bila masa sahaja anda boleh keluarkan sebarang jumlah wang yang kurang atau sehingga ke RM20,000. Anda juga boleh akses talian kredit anda dengan mengeluarkan cek.<\/p>\n

Memandangkan pemberi pinjaman tak tahu waktu sebenar anda pinjam wang, kebanyakan mereka akan kenakan caj berdasarkan kadar faedah pada masa anda buat pinjaman (juga dikenali sebagai ‘pengeluaran’). Ini yang menjadikan kadar faedah pada barisan kredit boleh ubah. Anda hanya bayar faedah berdasarkan apa yang anda pinjam dan bukan keseluruhan had kredit. Jadi, jika anda tak pinjam apa-apa sepanjang tempoh perjanjian, anda tak perlu bayar apa-apa kecuali sedikit yuran yang dikenakan oleh bank, seperti yuran penyelenggaraan. Kelonggaran ini sesuai untuk mereka yang mempunyai pelbagai keperluan dan membuat pembelian secara berterusan. Memandangkan kadar faedah akan berubah dari masa ke semasa, anda mungkin dikenakan kadar faedah yang lebih rendah berbanding pinjaman peribadi.<\/p>\n

Nak tahu lebih lanjut tentang pinjaman peribadi? Lihatlah 4 perkara yang anda perlu tahu sebelum pohon pinjaman peribadi<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Akan tiba saat dalam hidup ini bila kebanyakan daripada kita akan buat pinjaman untuk membiayai pembelian utama. Pihak yang kita rujuk dalam hal ini ialah institusi kewangan seperti bank yang buat keuntungan dengan memberi pinjaman wang, pinjaman peribadi atau barisan kredit (LOC). Pinjaman peribadi dan barisan kredit mempunyai kelebihan dan kekurangan masing-masing. Bergantung kepada situasi… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8761,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,105],"tags":[279],"class_list":["post-1692","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-peribadi","tag-bm"],"acf":[],"yoast_head":"\nPinjaman Peribadi Berbanding Barisan Kredit<\/title>\n<meta name=\"description\" content=\"Pinjaman peribadi dan barisan kredit mempunyai kelebihan dan kekurangannya, bergantung kepada situasi.\" \/>\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-berbanding-barisan-kredit-b\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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