{"id":3046,"date":"2012-09-26T09:00:55","date_gmt":"2012-09-26T01:00:55","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=3046"},"modified":"2024-09-07T01:07:53","modified_gmt":"2024-09-06T17:07:53","slug":"cagaran-dan-penjamin-pinjaman-peribadi","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/cagaran-dan-penjamin-pinjaman-peribadi","title":{"rendered":"Cagaran dan Penjamin Pinjaman Peribadi"},"content":{"rendered":"

Apabila memohon untuk mendapatkan pinjaman peribadi, adalah penting pada pihak bank untuk tahu secara terperinci rekod kredit peminjam tertentu untuk memastikan sama ada dia mempunyai keupayaan untuk membayar balik pinjaman. Dalam kes-kes di mana pinjaman itu adalah besar atau pemberi pinjaman tidak berapa yakin akan keupayaan peminjam untuk membayar balik pinjaman, pemberi pinjaman boleh meminta cagaran atau penjamin.<\/p>\n

<\/span>Apakah dia cagaran?<\/span><\/h2>\n

Cagaran pada asasnya adalah aset, seperti kereta atau rumah yang mana, peminjam telah mencagar apabila dia mengambil pinjaman. Satu pinjaman dengan cagaran dikenali sebagai pinjaman bercagar. Dalam pinjaman peribadi bercagar, jika peminjam gagal membayar balik pinjaman, bank boleh menarik balik aset yang telah ditetapkan sebagai cagaran.<\/p>\n

Mengapa ini penting?<\/strong> Kadar faedah ke atas pinjaman peribadi bercagar adalah umumnya lebih rendah daripada pinjaman peribadi tidak bercagar. Ini adalah kerana dalam pinjaman peribadi tidak bercagar, risiko kepada pemberi pinjaman adalah lebih tinggi (pemberi pinjaman tidak mempunyai aset untuk tarik balik sekiranya peminjam tidak membayar balik pinjaman).<\/p>\n

<\/span>Apakah dia penjamin?<\/span><\/h2>\n

Penjamin adalah orang yang bersedia untuk mengambil tanggungjawab sekiranya peminjam gagal membayar balik pinjaman. Penjamin bertindak sebagai “jaminan” kepada pemberi pinjaman.<\/p>\n

Mengapa ini penting?<\/strong> Sebagai peminjam, adalah lebih mudah untuk mendapatkan pinjaman peribadi jika anda mempunyai seorang penjamin. Malah, disebabkan sifat berrisiko pinjaman tidak bercagar, sesetengah bank mungkin sebenarnya tidak meluluskan pinjaman melainkan jika peminjam mencari seorang penjamin yang sanggup untuk menjamin pinjamannya.<\/p>\n

Perlukan pinjaman peribadi? Lihatlah jadual perbandingan pinjaman peribadi<\/a> iMoney untuk mengetahui bank yang menawarkan kadar faedah yang terendah!<\/p>\n","protected":false},"excerpt":{"rendered":"

Apabila memohon untuk mendapatkan pinjaman peribadi, adalah penting pada pihak bank untuk tahu secara terperinci rekod kredit peminjam tertentu untuk memastikan sama ada dia mempunyai keupayaan untuk membayar balik pinjaman. Dalam kes-kes di mana pinjaman itu adalah besar atau pemberi pinjaman tidak berapa yakin akan keupayaan peminjam untuk membayar balik pinjaman, pemberi pinjaman boleh meminta… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8927,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,105],"tags":[279],"class_list":["post-3046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-peribadi","tag-bm"],"acf":[],"yoast_head":"\nCagaran dan Penjamin Pinjaman Peribadi<\/title>\n<meta name=\"description\" content=\"Kes-kes melibatkan pinjaman besar atau pemberi pinjaman tidak berapa yakin akan keupayaan peminjam untuk membayar balik, cagaran atau penjamin diperlukan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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