{"id":4686,"date":"2013-04-17T11:33:08","date_gmt":"2013-04-17T03:33:08","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=4686"},"modified":"2018-01-12T10:07:58","modified_gmt":"2018-01-12T02:07:58","slug":"bagaimana-untuk-mengira-faedah-pinjaman-kereta-dan-ansuran","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/bagaimana-untuk-mengira-faedah-pinjaman-kereta-dan-ansuran","title":{"rendered":"Bagaimana Untuk Mengira Faedah Pinjaman Kereta Dan Ansuran"},"content":{"rendered":"<div id=\"attachment_4687\" style=\"width: 410px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-4687\" class=\" wp-image-4687\" alt=\"Mengira pinjaman kereta anda adalah mudah. Anda hanya perlukan kalkulator.\" src=\"\/articles\/wp-content\/uploads\/2013\/04\/shutterstock_77220154.jpg\" width=\"400\" height=\"267\" srcset=\"\/articles\/wp-content\/uploads\/2013\/04\/shutterstock_77220154.jpg 400w, \/articles\/wp-content\/uploads\/2013\/04\/shutterstock_77220154-300x200.jpg 300w, \/articles\/wp-content\/uploads\/2013\/04\/shutterstock_77220154-74x50.jpg 74w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><p id=\"caption-attachment-4687\" class=\"wp-caption-text\">Mengira pinjaman kereta anda adalah mudah. Anda hanya perlukan kalkulator.<\/p><\/div>\n<p>Membuat pinjaman kereta (juga dikenali sebagai sewa beli) adalah pendekatan yang kerap digunakan apabila membeli sebuah kereta. Dalam artikel ini, kami akan tunjukkan anda bagaimana mudahnya untuk mengira faedah dan ansuran bulanan anda untuk <a href=\"\/ms\/pinjaman-kereta\/\">pinjaman kereta di Malaysia<\/a> yang konvensional. Anda hanya perlukan kalkulator dan anda sudah bersedia!<\/p>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"2-Langkah-Mudah-Untuk-Mengira-Faedah-Pinjaman-Kereta-Dan-Ansuran\"><\/span>2 Langkah Mudah Untuk Mengira Faedah Pinjaman Kereta Dan Ansuran<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pertama sekali, tentukan nilai-nilai jumlah pinjaman, tempoh pinjaman dan kadar faedah pinjaman kereta anda, seperti berikut:<\/p>\n<ul>\n<li>Jumlah Pinjaman\u00a0= A<\/li>\n<li>Jumlah Tempoh Pinjaman\u00a0= B (tahun)<\/li>\n<li>Kadar Faedah\u00a0= C<\/li>\n<\/ul>\n<p>Sekarang, guna formula-formula beikutnya untuk menentukan jumlah faedah, faedah bulanan dan ansuran bulanan pinjaman kereta anda:<\/p>\n<ul>\n<li>Jumlah Faedah Anda\u00a0= C\/100 x A x B = X<\/li>\n<li>Faedah Bulanan Anda\u00a0= X \/ (B x 12)<\/li>\n<li>Ansuran Bulanan Anda\u00a0= (A + X) \/ (B x 12)<\/li>\n<\/ul>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Mari-Kita-Pratikkan-Bersedia\"><\/span>Mari Kita Pratikkan, Bersedia?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Contoh:<\/strong><br \/>\nKatakan anda mempunyai jumlah pinjaman kereta RM50,000 pada kadar faedah rata 2.5% untuk dibayar dalam 5 tahun.<\/p>\n<ul>\n<li>Jumlah Pinjaman\u00a0= 50,000<\/li>\n<li>Jumlah Tempoh Pinjaman\u00a0= 5<\/li>\n<li>Kadar Faedah\u00a0= 2.5<\/li>\n<li>Jumlah Pinjaman Anda\u00a0= 2.5\/100 x 50,000 x 5 =\u00a0RM6,250<\/li>\n<li>Faedah Bulanan Anda = 6,250 \/ (5 x 12) =\u00a0RM104.17<\/li>\n<li>Ansuran Bulanan Anda = (50,000 + 6,250) \/ (5 x 12) =\u00a0RM937.50<\/li>\n<\/ul>\n<p>Ambil perhatian bahawa pengiraan di atas adalah berdasarkan kadar faedah sama rata untuk jumlah pinjaman penuh dalam tempoh keseluruhan pinjaman. Di Malaysia, kebanyakan pinjaman kereta konvensional menggunakan kaedah pengiraan ini.<\/p>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Perlukan-pilihan-yang-lebih-mudah\"><\/span>Perlukan pilihan yang lebih mudah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kenapa tidak terus ke\u00a0<a href=\"\/ms\/pinjaman-kereta\/\">carta perbandingan pinjaman kereta<\/a>\u00a0kami untuk mengetahui faedah-faedah dan ansuran-ansuran yang kami telah sediakan untuk anda!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Membuat pinjaman kereta (juga dikenali sebagai sewa beli) adalah pendekatan yang kerap digunakan apabila membeli sebuah kereta. Dalam artikel ini, kami akan tunjukkan anda bagaimana mudahnya untuk mengira faedah dan ansuran bulanan anda untuk pinjaman kereta di Malaysia yang konvensional. Anda hanya perlukan kalkulator dan anda sudah bersedia! 2 Langkah Mudah Untuk Mengira Faedah Pinjaman&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/bagaimana-untuk-mengira-faedah-pinjaman-kereta-dan-ansuran\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8784,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,99],"tags":[209],"class_list":["post-4686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pinjaman-kereta","tag-mesti-baca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bagaimana Untuk Mengira Faedah Pinjaman Kereta Dan Ansuran<\/title>\n<meta name=\"description\" content=\"Gunakan formula ini untuk mengira faedah pinjaman kereta dan ansuran tanpa bantuan daripada bank anda. 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