{"id":3042,"date":"2012-09-24T10:00:16","date_gmt":"2012-09-24T02:00:16","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=3042"},"modified":"2018-01-12T10:09:55","modified_gmt":"2018-01-12T02:09:55","slug":"yuran-dan-caj-pinjaman-peribadi-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/yuran-dan-caj-pinjaman-peribadi-bm","title":{"rendered":"Yuran dan Caj Pinjaman Peribadi"},"content":{"rendered":"

Selain daripada kadar faedah, terdapat beberapa yuran dan caj lain yang terlibat bila memohon pinjaman peribadi. Selalunya, orang akan gagal mengambil kira caj-caj ini. Sebahagian daripada yuran dan caj lazim pinjaman peribadi adalah yuran pemprosesan, duti setem, caj pembayaran balik awal dan caj pembayaran lewat.<\/p>\n

<\/span>Yuran pemprosesan<\/strong><\/span><\/h2>\n

– Pada dasarnya yuran ini yang dikenakan oleh pemberi pinjaman untuk menampung kos memproses pinjaman anda. Ia biasanya tidak dikembalikan dan caj berbeza dari satu bank dengan bank yang lain. Bergantung kepada pemberi pinjaman, yuran pada umumnya adalah peratusan yang sangat kecil dari jumlah pinjaman. Walau bagaimanapun, harus diingat bahawa bukan semua bank mengenakan caj tersebut.<\/p>\n

<\/span>Duti setem<\/strong><\/span><\/h2>\n

– Duti setem pada asasnya adalah yuran yang dibayar kepada Kerajaan Malaysia ( Pejabat Duti) untuk setem perjanjian pinjaman yang dibuat antara peminjam dan pemberi pinjaman. Kadar duti setem biasa adalah sekitar 0.5% daripada pinjaman, atau RM5 bagi setiap RM1, 000. Walau bagaimanapun, terdapat beberapa bank-bank yang tidak mengenakan bayaran duti setem.<\/p>\n

<\/span>Caj pembayaran balik awal<\/strong><\/span><\/h2>\n

– Dikenakan hanya apabila peminjam memutuskan untuk membayar sepenuhnya jumlah pinjaman sebelum tamat tempoh pinjaman. Sekali lagi, caj berbeza dari satu bank dengan bank yang lain. Walaupun sesetengah bank mungkin mengenakan kadar rata, katakan RM200 atas pembayaran balik awal, bank lain mungkin mengenakan bayaran ke atas peminjam berdasarkan peratusan tertentu daripada baki tertunggak mereka.<\/p>\n

<\/span>Caj bayaran lewat<\/strong><\/span><\/h2>\n

– Apabila pembayaran balik bulanan pinjaman ditangguhkan, atau dibuat selepas tarikh akhir, bergantung kepada bank, bayaran secara umumnya dikenakan ke atas peminjam. Yuran ini biasanya dikenakan sebagai peratusan daripada jumlah pinjaman tertunggak.<\/p>\n

Yuran yang dikenakan oleh bank-bank boleh terkumpul menjadi jumlah yang besar jika anda tidak berhati-hati. Oleh itu, adalah dinasihatkan bahawa anda kos-kos tambahan ini sebelum memohon untuk mendapatkan pinjaman peribadi.<\/p>\n

Sukakan artikel ini? And juga akan meminati: 4 perkara yang anda perlu tahu sebelum memohon pinjaman peribadi<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Selain daripada kadar faedah, terdapat beberapa yuran dan caj lain yang terlibat bila memohon pinjaman peribadi. Selalunya, orang akan gagal mengambil kira caj-caj ini. Sebahagian daripada yuran dan caj lazim pinjaman peribadi adalah yuran pemprosesan, duti setem, caj pembayaran balik awal dan caj pembayaran lewat. Yuran pemprosesan – Pada dasarnya yuran ini yang dikenakan oleh… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8928,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,105],"tags":[279],"class_list":["post-3042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-peribadi","tag-bm"],"acf":[],"yoast_head":"\nYuran dan Caj Pinjaman Peribadi<\/title>\n<meta name=\"description\" content=\"Selain daripada kadar faedah, terdapat beberapa yuran dan caj lain yang terlibat bila memohon pinjaman peribadi. 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