{"id":1755,"date":"2012-06-26T08:17:29","date_gmt":"2012-06-26T00:17:29","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1755"},"modified":"2024-09-07T00:34:44","modified_gmt":"2024-09-06T16:34:44","slug":"memahami-asas-pinjaman-perumahan-di-malaysia-bahagian-2-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/memahami-asas-pinjaman-perumahan-di-malaysia-bahagian-2-bm","title":{"rendered":"Memahami Asas Pinjaman Perumahan Di Malaysia – Bahagian 2"},"content":{"rendered":"

Berikut adalah kesinambungan Memahami asas pinjaman perumahan di Malaysia – bahagian 1<\/a>.<\/p>\n

Di bahagian 1, kami telah menerangkan beberapa syarat yang sangat penting yang akan membantu anda memahami pinjaman perumahan di Malaysia.<\/p>\n

Di bahagian ini kami akan menerangkan berapa banyak anda boleh \/ harus pinjam untuk dapatkan rumah impian anda.<\/p>\n

Mengukur kemampuan saya?<\/h2>\n

Selagi anda memenuhi beberapa kriteria utama, bank umumnya akan beri pinjaman sehingga 95% dari nilai rumah anda. Apabila menentukan jumlah pinjaman anda, bank akan pertimbangkan beberapa perkara termasuk:<\/p>\n

    \n
  1. \n
      \n
    1. Jumlah pendapatan anda – semakin tinggi pendapatan anda, lebih mudah anda mendapatkan pinjaman rumah dari bank. Ini adalah kerana lebih tinggi pendapatan anda, lebih baik keupayaan anda untuk bayar balik pinjaman (bermakna semakin rendah risiko kepada pihak bank).<\/li>\n
    2. Hutang sedia ada anda – beberapa contoh pinjaman termasuk pinjaman kereta<\/a> anda, pinjaman peribadi<\/a> dan kad kredit<\/a>. Semakin banyak anda berhutang, semakin sukar untuk mendapatkan pinjaman rumah dari bank.<\/li>\n
    3. Berapa banyak simpanan wang anda – sekali lagi, lebih banyak anda simpan, lebih mudah anda mendapatkan pinjaman rumah.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n

      \"homeloan-728x90-bm\"<\/a><\/p>\n

      Satu kaedah baik untuk menentukan tahap kemampuan anda adalah memastikan bahawa bayaran balik bulanan pinjaman rumah tak melebihi satu pertiga dari pendapatan anda.<\/p>\n

      Selain itu, untuk periksa kemampuan anda, anda juga boleh kira Nisbah Khidmat Hutang peribadi anda (DSR). DSR dikira [jumlah pembayaran balik hutang kewajipan bulanan anda] dibahagikan dengan [pendapatan bulanan anda mengambil rumah]. Bank Negara syorkan supaya rakyat Malaysia tidak melebihi Nisbah Hutang Perkhidmatan (DSR) sebanyak 60%.<\/p>\n

      Jadi sekarang anda tahu berapa banyak anda mampu, soalan seterusnya ialah – berapa banyak yang anda perlu pinjam?<\/p>\n

      Ini adalah satu soalan yang sukar untuk dijawab, dan tak ada jawapan yang betul atau salah. Walau bagaimanapun, anda perlu pinjam tidak lebih dari apa yang anda mampu. Anda juga perlu bersedia untuk membayar ansuran bulanan yang lebih tinggi jika anda ambil pinjaman rumah bagi tempoh yang lebih pendek, atau pilih margin pembiayaan yang lebih tinggi (lupa atau tak ingat? Layari bahagian 1<\/a> siri ini).<\/p>\n","protected":false},"excerpt":{"rendered":"

      Berikut adalah kesinambungan Memahami asas pinjaman perumahan di Malaysia – bahagian 1. Di bahagian 1, kami telah menerangkan beberapa syarat yang sangat penting yang akan membantu anda memahami pinjaman perumahan di Malaysia. Di bahagian ini kami akan menerangkan berapa banyak anda boleh \/ harus pinjam untuk dapatkan rumah impian anda. Mengukur kemampuan saya? Selagi anda… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8921,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,103],"tags":[279],"class_list":["post-1755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-perumahan","tag-bm"],"acf":[],"yoast_head":"\nMemahami Asas Pinjaman Perumahan Di Malaysia - Bahagian 2<\/title>\n<meta name=\"description\" content=\"Berikut adalah kesinambungan Memahami asas pinjaman perumahan di Malaysia. 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