{"id":2477,"date":"2012-11-14T19:32:05","date_gmt":"2012-11-14T11:32:05","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2477"},"modified":"2018-01-12T10:08:27","modified_gmt":"2018-01-12T02:08:27","slug":"sewa-beli-ingkar-penarikan-dan-lain-lain-masalah-lazim-b","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/sewa-beli-ingkar-penarikan-dan-lain-lain-masalah-lazim-b","title":{"rendered":"Sewa-Beli &#8211; Ingkar, Penarikan Dan Lain-Lain Masalah Lazim"},"content":{"rendered":"<p>Perjanjian sewa-beli yang melibatkan kenderaan adalah merupakan satu perjanjian untuk menyewa dan membelinya kemudian. Dalam perjanjian sewa-beli anda setuju <em>menyewa<\/em> kenderaan tersebut sehingga anda membayar penuh jumlah hutang sewa-beli. Gangguan berlaku bila <em>penyewa<\/em> tak dapat membayar ansuran, yang boleh membawa kepada penarikan. Juga ingatlah bahawa penjamin anda boleh dipertanggungjawabkan ke atas kegagalan anda membuat pembayaran.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sewa-beli-%E2%80%93-ingkar-dalam-pembayaran-dan-penarikan\"><\/span>Sewa-beli \u2013 ingkar dalam pembayaran dan penarikan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Apabila anda \u201cingkar\u201d dalam perjanjian sewa-beli anda, ia bermaksud ada gagal memenuhi komitmen anda kepada bank. Bila ini berlaku, bank boleh tarik balik kereta anda. Biasanya penarikan berlaku bila:<\/p>\n<ul>\n<li>Anda gagal buat pembayaran dua bulan berturut-turut, atau anda gagal buat pembayaran terakhir, dan<\/li>\n<li>Dalam kes di mana penyewa telah meninggal dunia, ingkar pembayaran selama empat bulan akan membolehkan bank menarik balik kereta.<\/li>\n<\/ul>\n<p>Oleh itu, lebih baik anda buat pembayaran pada masanya atau dikenakan yuran penalti. Bagaimanapun jika anda rasa tak dapat buat bayaran ansuran, langkah yang baik ialah segera menghubungi bank anda untuk menyelesaikannya.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Prosedur-penarikan-kereta-yang-sah-oleh-bank\"><\/span>Prosedur penarikan kereta yang sah oleh bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"\/articles\/wp-content\/uploads\/2012\/11\/Car-Repossession-in-Malaysia-BM.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2386\" title=\"Car Repossession in Malaysia\" alt=\"\" src=\"\/articles\/wp-content\/uploads\/2012\/11\/Car-Repossession-in-Malaysia-BM.jpg\" width=\"595\" height=\"347\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cara-penarikan-dibuat\"><\/span>Cara penarikan dibuat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kadang-kadang langkah-langkah menindas dibuat. Contohnya, kita semua pernah dengar tentang \u201csamseng\u2019 yang dihantar untuk menarik kereta atau menjual kereta pada harga yang sangat rendah. Sememangnya, tindakan undang-undang boleh diambil jika prosedur penarikan tak sejajar dengan Akta Sewa-BeIi 1967.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Etika-penarikan\"><\/span>Etika penarikan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pada umumnya, penarikan kenderaan hanya boleh dilakukan oleh penarik yang berdaftar. Penarik disarankan mematuhi etika berikut:<\/p>\n<ul>\n<li>Tidak boleh guna cara yang ganas atau menindas ketika melakukan penarikan.<\/li>\n<li>Penyewa mesti diberi notis yang cukup mengenai penarikan dan diberi masa untuk ambil barang-barangnya dari kenderaan.<\/li>\n<li>Orang yang bertanggungjawab melakukan penarikan hanya boleh masuk ke kawasan rumah hanya dengan kebenaran orang yang tinggal di situ.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana-menangani-masalah-berkenaan-penarikan\"><\/span>Bagaimana menangani masalah berkenaan penarikan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Cari pembeli<\/strong>. Anda boleh memperkenalkan pembeli yang sanggup membeli kenderaan tersebut mengikut harga yang ditetapkan dalam notis pemberitahuan yang diterima selepas penarikan. <strong>Dapatkan nasihat dari bank<\/strong> jika anda menghadapi kerumitan kewangan. Bank mungkin boleh guna pertimbangan dalam menyemak semula pembayaran bulanan anda untuk meringankan beban anda. Walau bagaimanapun bank tidaklah perlu berbuat demikian. <strong>Buat aduan atau dapatkan nasihat<\/strong>. Sekiranya anda menjadi mangsa tindakan yang menindas atai jika hak anda dicabuli semasa penarikan, buatlah aduan kepada bank sewa-beli anda tersebut. Anda juga boleh mengadu kepada Persatuan Syarikat Sewa-Beli Malaysia untuk dapatkan sokongan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Penjamin-sewa-beli\"><\/span>Penjamin sewa-beli<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Berkenaan dengan <strong>penjamin<\/strong>, mereka adalah bertanggungjawab atas hutang anda sehingga semuanya dibayar balik. Dengan menjadi seorang penjamin, seseorang itu terikat dengan perjanjian sewa-beli tersebut seperti anda juga, dan bertanggungjawab membayar hutang anda sekiranya anda gagal berbuat demikian. <strong>Hak penjamin di bawah perjanjian sewa-beli<\/strong> Penjamin mempunyai hak-hak berikut:<\/p>\n<ul>\n<li>Menerima satu salinan perjanjian sewa-beli berkenaan<\/li>\n<li>Bebas dari tanggungjawab jaminan dan terlindung dari sebarang tuntutan pihak bank bila semua hutang telah dibayar<\/li>\n<li>Boleh mengambil tindakan undang-undang terhadap penyewa kerana tidak memenuhi tanggungjawabnya<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Perjanjian sewa-beli yang melibatkan kenderaan adalah merupakan satu perjanjian untuk menyewa dan membelinya kemudian. Dalam perjanjian sewa-beli anda setuju menyewa kenderaan tersebut sehingga anda membayar penuh jumlah hutang sewa-beli. Gangguan berlaku bila penyewa tak dapat membayar ansuran, yang boleh membawa kepada penarikan. Juga ingatlah bahawa penjamin anda boleh dipertanggungjawabkan ke atas kegagalan anda membuat pembayaran&#8230;. <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/sewa-beli-ingkar-penarikan-dan-lain-lain-masalah-lazim-b\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8888,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[279],"class_list":["post-2477","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>Sewa-Beli - Ingkar, Penarikan Dan Lain-Lain Masalah Lazim<\/title>\n<meta name=\"description\" content=\"Dalam perjanjian sewa-beli anda setuju membayar ansuran. 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