Jawapan ringkas

Untuk ilustrasi kadar rata, jumlah dibiayai ialah harga ditolak deposit; caj kadar rata ialah jumlah dibiayai × kadar × tahun. Paparkan prinsipal, caj, jumlah bayaran dan ansuran secara berasingan. Semak kaedah dalam perjanjian semasa kerana angka institusi, pembundaran, fi dan penyelesaian awal boleh berbeza.

Alat perancangan boleh ubah

Anggaran pinjaman kereta

Ubah nilai ilustrasi. Tiada nilai yang anda masukkan dihantar atau disimpan; pengukuran hanya merekodkan nama alat dan versi formula.

Method boundary: Legacy flat-rate illustration only. It does not determine which calculation method applies to a current or proposed hire-purchase agreement. Check the current provider disclosure and agreement; Malaysian legal review of the 2026 transition remains pending.

Keputusan akan dipaparkan selepas pengiraan.

Formula dan andaian

ID formula: flat-rate-hire-purchase@1.1.0

Calculations use unrounded intermediate values. Ringgit and percentage outputs are rounded to two decimal places; break-even months are rounded up. A displayed monthly amount multiplied by tenure may therefore differ slightly from the displayed total.

  • Interest is calculated on the original financed amount for the full tenure.
  • Deposit is subtracted before interest is calculated.
  • Fees, rebates, insurance and agreement-specific rounding are excluded.
  • Inputs support tenures up to 600 months, annual rates up to 100%, and ringgit amounts to sen precision.
  • Displayed values are rounded only after unrounded calculations are complete.

Contoh Malaysia

Kereta RM80,000 dengan deposit RM8,000, kadar rata ilustrasi 3% dan tujuh tahun menghasilkan prinsipal RM72,000 serta anggaran ansuran RM1,037.14.

Langkah seterusnya

Penting

Maklumat pendidikan sahaja. Kandungan ini bukan nasihat kewangan, undang-undang, cukai, insurans atau Syariah dan tidak meramalkan kelulusan.