{"id":2456,"date":"2012-11-18T11:46:04","date_gmt":"2012-11-18T03:46:04","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2456"},"modified":"2024-09-06T14:19:30","modified_gmt":"2024-09-06T06:19:30","slug":"pro-dan-kontra-membuat-pinjaman-kereta-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/pro-dan-kontra-membuat-pinjaman-kereta-bm","title":{"rendered":"Pro Dan Kontra Membuat Pinjaman Kereta"},"content":{"rendered":"

\"car-loans-pro-con\"<\/p>\n

Tak syak lagi dalam keadaan anda terdesak untuk beli kereta dan wang terhad, pinjaman kereta ada gunanya. Namun begitu, eloklah kita fahami pro dan kontra membuat pinjaman kereta. Lebih baik kita berwaspada dengan pengetahuan tentang pelbagai risiko dari duduk dalam keadaan kabur dan tidak bersedia.<\/p>\n

Manfaat utamanya sangatlah jelas:<\/p>\n

Pembayaran secara ansuran adalah lebih mudah<\/strong><\/p>\n

Contohnya, dengan perjanjian sewa- beli, anda dapat membahagikan jumlah keseluruhan pembayaran kereta kepada bayaran ansuran selama beberapa tahun. Walaupun membeli kereta secara tunai adalah cara yang baik (kerana anda tak kena bayar faedah), tak ramai di kalangan kita yang mampu berbuat demikian. Dengan pinjaman kereta, anda dapat membiayai pembelian kenderaan walaupun anda tak punyai dana untuknya.<\/p>\n

Jadi, bank pinjamkan wang kepada anda, anda dapat kereta idaman dan setia buat bayaran pada masanya setiap bulan. Semua pihak bahagia.<\/p>\n

Walaubagaimanapun, terdapat beberapa kekurangan di sini:<\/p>\n

Hak milik dan hak pegang<\/strong><\/p>\n

Hak milik dan hak pegang adalah dua perkara yang berbeza. Jika anda membiayai kereta anda dengan perjanjian sewa-beli, dengan ertikata sebenarnya, anda dikira hanya \u201cmenyewa\u201d kereta tersebut. Hak milik sebenarnya adalah kepunyaan bank. Jelas anda tak dapat menjual mana-mana bahagian kereta atau kereta itu sendiri sehingga anda telah selesaikan keseluruhan pembayaran.<\/p>\n

Hak untuk tarik balik kereta<\/strong>
\nSekiranya anda tak dapat membuat pembayaran bulanan, ingatlah bahawa bank ada hak untuk tarik balik kereta anda. Dalam hal ini, anda kena jelaskan jumlah tertunggak untuk mendapatkan balik kereta anda.<\/p>\n

<\/span>Lebih baik berurus dengan penjual kereta yang berdaftar atau dengan bank?<\/span><\/h2>\n

Tiada jawapan yang betul untuk soalan ini kerana setiap pihak boleh memberi anda perkara tertentu. Penjual kereta selalunya cepat dalam proses kerja mereka dan walaupun bermotifkan keuntungan, kadang-kadang akan tawarkan promosi atau diskaun yang membuatkan pembelian kereta daripada mereka lebih murah.<\/p>\n

Bank sebaliknya kurang mudah dari penjual kereta dari segi proses kerja mereka, tetapi mereka tawarkan peluang beli kereta dari berbagai penjual kereta.<\/p>\n

<\/span>Nota akhir tentang permohonan pinjaman<\/span><\/h2>\n

Jangan bersetuju dengan tawaran pinjaman pertama yang anda jumpa. Cari, banding dan nilai pilihan- pilihan yang ada. Pinjaman-pinjaman kereta ini berbeza dari segi yuran dan strukturnya, dan perbezaan kecil dalam kadar faedah dapat menghasilkan penjimatan yang besar dalam jumlah pembayaran anda sepanjang tempoh bertahun-tahun.<\/p>\n

Untuk perbandingan yang menyeluruh tentang pinjaman kereta di Malaysia, sila lihat laman perbandingan pinjaman kereta kami<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

Tak syak lagi dalam keadaan anda terdesak untuk beli kereta dan wang terhad, pinjaman kereta ada gunanya. Namun begitu, eloklah kita fahami pro dan kontra membuat pinjaman kereta. Lebih baik kita berwaspada dengan pengetahuan tentang pelbagai risiko dari duduk dalam keadaan kabur dan tidak bersedia. Manfaat utamanya sangatlah jelas: Pembayaran secara ansuran adalah lebih mudah… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8882,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[279],"class_list":["post-2456","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-kereta","tag-bm"],"acf":[],"yoast_head":"\nPro Dan Kontra Membuat Pinjaman Kereta<\/title>\n<meta name=\"description\" content=\"Lebih baik kita berwaspada dengan pengetahuan tentang pelbagai risiko dari duduk dalam keadaan kabur dan tidak bersedia mengenai pinjaman kereta.\" \/>\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\/pro-dan-kontra-membuat-pinjaman-kereta-bm\" 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