@financialfaiz: Sistem loan kereta baharu? Ramai ingat kalau settle loan kereta awal, confirm jimat banyak. Tapi bawah sistem lama Rule of 78, sebahagian besar bayaran awal sebenarnya pergi kepada interest dulu. Sekarang sistem baru reducing balance dijangka lebih fair untuk pembeli kereta. Korang rasa sistem baru ni lebih adil? #financialfaiz #loan #kereta #faedah #ruleof78
EIR will be converted based on fixed rate. If your fixed rate is 3% it will be converted into EIR of 5.7%. Anything higher you pay more, lower you pay less. New rule benefits people who want to pay more into their loan. Simple
2026-06-10 00:41:55
6
Asyraf Najmi :
Ada possibility tak bank akan main/pusing dekat interest rate pulak lepas pakai sistem baru ni? Sbelum ni rate 2-3% utk kereta baru lepas ni mana tau naik 4-6%. Bnm ada kuasa ke utk monitor benda2 gini 🤔
2026-06-09 13:22:33
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MR H. :
Kaedah reducing balance tu la jadi punca kita bayar lbh bnyk portion interest/profit semasa peringkat awal tempoh pinjaman/pembiayaan..so cmna la pakar2 kewangan duk bg mislead info konon2 kaedah baru ni akan atasi isu ni???
2026-06-09 18:18:23
4
Sufian.Co :
baru lepas sign agreement dkt CIMB tadi. staff tu ckap CIMB belum start lagi
2026-06-09 13:40:41
7
kakak kau :
they said the interest will increase
2026-06-09 23:47:30
1
zz :
untuk motor takde akta ke. bukan main bunga ketuk kaw kaw
2026-06-09 15:58:57
3
untukmu_demiDia99 :
Sama jerrr loan rumah pon. Awal2 tu byr interest jer. Menyakitkan hati. Islamic loan pon sama je.. Entah cm mana diorang kira sbnrnya
2026-06-09 23:20:54
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Isyraq Irfan :
abg ni jdi juru ckap tuk pihak Sana ke.
MCM yg kt Indo Tu Ada song tiktoker MCM ni.
nampak bijak tpi upaya Ada sebab.
2026-06-10 05:25:57
3
fitghi97 :
hari tu baru buat early settlement. Goodwill discount tak rupa mcm discount, langsaikan baki 40k in one day, dapat diskaun 200 je? fuh gila
2026-06-09 23:13:36
0
gedo_73 :
interest rate ≥5.0% keatas.
2026-06-09 20:26:21
2
Lang :
flat rate atau reducing balance (eir) sama je.. mesti awal2 bank ambil byk interest dulu. kalau skrg flat rate 2%, eir jadi 4%++. selama ni pun dlm hire purchase agreement ada stated rate mcm eir.
2026-06-09 23:08:29
4
nffrnwfsdhm :
zaman2 sekarang ni belajar kontrol nafsu. kurangkan hutang bukan tambah hutang.
2026-06-10 10:12:17
2
syilingmas :
dh check full settlement dpt lbh krg 1k je diskaun.. xde beza pun
2026-06-09 16:14:35
3
Ayed :
Yg dah beli sebelum ni boleh tukar ke kepada cara terbaru ni?
2026-06-10 03:52:56
1
Anip jasmin :
kereta je rule baru ni? motosikal tuan?
2026-06-10 04:46:57
1
henelope :
Goodwill discount only applicable to those with prompt payment
2026-06-09 23:04:46
0
yuss~ :
So monthly akan jdi tggi ke?
2026-06-09 17:49:36
2
mustard Gas :
Bkn loan rmh pakai rule of 78 jg ke?
2026-06-09 15:20:41
0
Sxra :
apa dia punya cons dalam sistem reducing balance ni?
2026-06-10 04:53:59
1
Dzulkiflee :
reducing balance..maka bank akan naikkan interest loan kereta...
2026-06-10 11:43:05
1
Mellow🔥💨 :
baru amik used car.. salesman tu ckp system ni tak terpakai untuk used car..betul ka
2026-06-09 23:50:36
0
Lily Grey :
so bank mmg a hole la
2026-06-09 17:17:33
1
Dr Fadzlin xX :
Siapa tahu, bank Islam
2026-06-09 13:26:34
2
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