{"id":2454,"date":"2012-11-16T20:17:04","date_gmt":"2012-11-16T12:17:04","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2454"},"modified":"2024-09-06T14:18:22","modified_gmt":"2024-09-06T06:18:22","slug":"mendapatkan-pinjaman-kereta-di-malaysia-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/mendapatkan-pinjaman-kereta-di-malaysia-bm","title":{"rendered":"Mendapatkan Pinjaman Kereta Di Malaysia"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-8885 alignleft\" src=\"\/articles\/wp-content\/uploads\/carloanapplication1-300x225.jpg\" alt=\"carloanapplication\" width=\"300\" height=\"225\" srcset=\"\/articles\/wp-content\/uploads\/carloanapplication1-300x225.jpg 300w, \/articles\/wp-content\/uploads\/carloanapplication1-66x50.jpg 66w, \/articles\/wp-content\/uploads\/carloanapplication1.jpg 340w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Beli kereta dengan membayar harga penuh secara tunai sekali gus adalah tak praktikal bagi kebanyakan orang. Jadi jika anda seperti kebanyakan orang, buat pinjaman kereta adalah cara yang lebih sesuai untuk mendapatkan kereta idaman anda. Sesetengah orang pula, walaupun mereka ada wang tunai atau simpanan yang cukup untuk beli terus sebuah kereta, masih pilih untuk buat pinjaman.<\/p>\n<p>Ada banyak bank dan syarikat kewangan yag menawarkan berbagai jenis pinjaman kereta dan yang mengenakan yuran dan kadar faedah yang berbeza. Istilah kewangan dan syarat-syarat yang dikenakan nampak rumit, tapi sebenarnya membuat pinjaman kereta adalah agak mudah.<\/p>\n<p>Tanpa berlengah, mari kita lihat apa yang anda perlukan sebelum mendapatkan pinjaman kereta.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Rekod-kewangan-anda\"><\/span>Rekod kewangan anda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Perkara pertama yang bank perlu tahu sebelum memberi pinjaman kereta kepada anda ialah kemampuan anda membayar balik pinjaman. Ini ertinya bank ingin memastikan anda mampu buat bayaran bulanan di masa hadapan. Oleh itu bank akan menilai rekod kredit dan pendapatan anda. Sekiranya anda mempunyai rekod kredit yang tak baik, pinjaman kereta anda kemungkinannya tak akan diluluskan, ataupun kadar faedah yang dikenakan adalah lebih tinggi.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Sediakan-wang-penduhuluan\"><\/span>Sediakan wang penduhuluan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Tanya bank berapa jumlah wang pendahuluan yang anda perlu bayar. Walaupun selalunya ia adalah 10% dari nilai kereta, bank boleh kenakan peratus yang lebih tinggi. Wang pendahuluan ini diperlukan sebagai tanda kebertanggungjawaban anda. Jika anda boleh bayar lebih lagi baik, kerana ini akan mengurangkan bayaran bulanan anda, yang akan menguntungkan anda dalam jangka masa panjang (kerana anda akan bayar jumlah faedah yang kurang).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Dokumen-yang-diperlukan-untuk-pinjaman-kereta\"><\/span>Dokumen yang diperlukan untuk pinjaman kereta<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sekiranya pinjaman diluluskan, anda akan diminta menyediakan beberapa perkara \/ dokumen permohonan. Dokumen asas adalah salinan kad pengenalan anda, slip gaji dan lesen memandu.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bandingkan-opsyen-pinjaman-kereta-anda\"><\/span>Bandingkan opsyen pinjaman kereta anda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ada banyak bank dan syarikat kewangan yang menawarkan pinjaman kereta di Malaysia. Oleh kerana kadar faedah berbeza di antara pemberi pinjaman, berbaloi kalau anda luangkan sedikit masa mencari dan <a href=\"https:\/\/www.imoney.my\/ms\/pinjaman-kereta\">membuat perbandingan di antara kadar faedah yang ditawarkan oleh setiap bank<\/a>. Sedikit pengurangan dalam bayaran faedah bila dikumpulkan bertahun-tahun boleh jadi satu penjimatan yang besar!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Beli kereta dengan membayar harga penuh secara tunai sekali gus adalah tak praktikal bagi kebanyakan orang. Jadi jika anda seperti kebanyakan orang, buat pinjaman kereta adalah cara yang lebih sesuai untuk mendapatkan kereta idaman anda. Sesetengah orang pula, walaupun mereka ada wang tunai atau simpanan yang cukup untuk beli terus sebuah kereta, masih pilih untuk&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/mendapatkan-pinjaman-kereta-di-malaysia-bm\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8885,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[279],"class_list":["post-2454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-kereta","tag-bm"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mendapatkan Pinjaman Kereta Di Malaysia<\/title>\n<meta name=\"description\" content=\"Istilah kewangan dan syarat-syarat yang dikenakan bank-bank nampak rumit, tapi sebenarnya untuk membuat pinjaman kereta adalah agak mudah.\" \/>\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\/mendapatkan-pinjaman-kereta-di-malaysia-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mendapatkan Pinjaman Kereta Di Malaysia\" \/>\n<meta property=\"og:description\" content=\"Istilah kewangan dan syarat-syarat yang dikenakan bank-bank nampak rumit, tapi sebenarnya untuk membuat pinjaman kereta adalah agak mudah.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/mendapatkan-pinjaman-kereta-di-malaysia-bm\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-16T12:17:04+00:00\" \/>\n<meta property=\"article:modified_time\" 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