@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

Financial Faiz
Financial Faiz
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Region: MY
Tuesday 09 June 2026 12:00:00 GMT
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kepais
Aismail :
Apa2 pon bank mesti untung
2026-06-09 12:39:29
141
user1857814405712
user1857814405712 :
adil la sgt.. interest rate naik mcm jilake
2026-06-09 17:48:30
41
laughinggor_
小酒窝 :
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
asyrafnajmi
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
22
mr.hhmk
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
sufian2096
Sufian.Co :
baru lepas sign agreement dkt CIMB tadi. staff tu ckap CIMB belum start lagi
2026-06-09 13:40:41
7
nisrosli
kakak kau :
they said the interest will increase
2026-06-09 23:47:30
1
_zahidzain
zz :
untuk motor takde akta ke. bukan main bunga ketuk kaw kaw
2026-06-09 15:58:57
3
untukmu_demidia99
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
5
isyraqirfan2
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
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
gedo_73 :
interest rate ≥5.0% keatas.
2026-06-09 20:26:21
2
zailanmatali
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
nwfsdhm
nffrnwfsdhm :
zaman2 sekarang ni belajar kontrol nafsu. kurangkan hutang bukan tambah hutang.
2026-06-10 10:12:17
2
syilingmas
syilingmas :
dh check full settlement dpt lbh krg 1k je diskaun.. xde beza pun
2026-06-09 16:14:35
3
ayed_tiktokshop
Ayed :
Yg dah beli sebelum ni boleh tukar ke kepada cara terbaru ni?
2026-06-10 03:52:56
1
goldenevo04
Anip jasmin :
kereta je rule baru ni? motosikal tuan?
2026-06-10 04:46:57
1
nimouife
henelope :
Goodwill discount only applicable to those with prompt payment
2026-06-09 23:04:46
0
yusairieysharkk
yuss~ :
So monthly akan jdi tggi ke?
2026-06-09 17:49:36
2
chipmunks1988
mustard Gas :
Bkn loan rmh pakai rule of 78 jg ke?
2026-06-09 15:20:41
0
mr_nobody1120
Sxra :
apa dia punya cons dalam sistem reducing balance ni?
2026-06-10 04:53:59
1
dzulrasip
Dzulkiflee :
reducing balance..maka bank akan naikkan interest loan kereta...
2026-06-10 11:43:05
1
syamellow_
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.grey79
Lily Grey :
so bank mmg a hole la
2026-06-09 17:17:33
1
drfadzlin
Dr Fadzlin xX :
Siapa tahu, bank Islam
2026-06-09 13:26:34
2
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