How we check accuracy — Cara kami menyemak ketepatan
Our standardStandard kami
Money decisions depend on correct numbers. Every rate, threshold and rule on Loankira must come from an official or primary source, and every guide shows its sources and when it was last reviewed.
Keputusan kewangan bergantung pada angka yang betul. Setiap kadar, had dan peraturan di Loankira mesti datang daripada sumber rasmi atau primer, dan setiap panduan menunjukkan sumbernya serta tarikh semakan terakhir.
Sources we useSumber yang kami gunakan
- Bank Negara Malaysia (bnm.gov.my): lending guidelines, consumer credit rules
- LHDN / Inland Revenue Board (hasil.gov.my): income tax rates, reliefs, PCB, stamp duty
- KWSP / EPF (kwsp.gov.my) and PERKESO / SOCSO (perkeso.gov.my): contribution rates and ceilings
- Ministry of Finance budget documents and Acts published by the Attorney General's Chambers (lom.agc.gov.my)
- The Malaysian Bar for the Solicitors' Remuneration Order
- Bank Negara Malaysia (bnm.gov.my): garis panduan pinjaman, peraturan kredit pengguna
- LHDN (hasil.gov.my): kadar cukai pendapatan, pelepasan, PCB, duti setem
- KWSP (kwsp.gov.my) dan PERKESO (perkeso.gov.my): kadar caruman dan had gaji
- Dokumen bajet Kementerian Kewangan dan Akta yang diterbitkan oleh Jabatan Peguam Negara (lom.agc.gov.my)
- Majlis Peguam Malaysia untuk Perintah Saraan Peguam Cara
News articles and bank websites may help us spot a change, but we confirm figures against the official source before publishing.
Artikel berita dan laman web bank boleh membantu kami mengesan perubahan, tetapi kami mengesahkan angka dengan sumber rasmi sebelum menerbitkannya.
How pages are reviewedCara halaman disemak
- Before publishing: figures are checked against the sources listed on the page, and worked examples are recalculated.
- When rules change: after each national Budget and whenever an agency announces a change, we review the affected calculators and guides.
- At least once a year: every guide is re-checked, even if nothing has been announced.
- Each guide shows a "Last reviewed" date so you can see how current it is.
- Sebelum diterbitkan: angka disemak dengan sumber yang disenaraikan pada halaman, dan contoh pengiraan dikira semula.
- Apabila peraturan berubah: selepas setiap Bajet dan apabila agensi mengumumkan perubahan, kami menyemak kalkulator dan panduan yang terlibat.
- Sekurang-kurangnya setahun sekali: setiap panduan disemak semula walaupun tiada pengumuman.
- Setiap panduan menunjukkan tarikh "Semakan terakhir" supaya anda tahu sejauh mana ia terkini.
Calculators are estimatesKalkulator adalah anggaran
Our calculators use standard formulas (for example, the reducing-balance instalment formula for home loans and flat-rate interest for hire-purchase car loans). Banks may round differently, add fees or apply their own DSR limits, so your actual offer can differ.
Kalkulator kami menggunakan formula standard (contohnya formula baki berkurangan untuk pinjaman rumah dan faedah kadar rata untuk pinjaman kereta sewa beli). Bank mungkin membundarkan secara berbeza, menambah yuran atau menggunakan had DSR sendiri, jadi tawaran sebenar anda boleh berbeza.
IndependenceKebebasan
Ads are served by Google AdSense and are clearly separate from our content. Advertisers, banks and lenders cannot pay to change our figures, guides or recommendations. We do not publish sponsored content.
Iklan disediakan oleh Google AdSense dan dipisahkan dengan jelas daripada kandungan kami. Pengiklan, bank dan pemberi pinjam tidak boleh membayar untuk mengubah angka, panduan atau cadangan kami. Kami tidak menerbitkan kandungan tajaan.
CorrectionsPembetulan
If you spot an error, email hello@loankira.com with the page and, if possible, the official source. We check reports within a few working days. Confirmed errors are corrected, and the page's "Last reviewed" date is updated.
Jika anda menjumpai kesilapan, e-mel hello@loankira.com bersama halaman dan, jika boleh, sumber rasmi. Kami menyemak laporan dalam beberapa hari bekerja. Kesilapan yang disahkan akan dibetulkan dan tarikh "Semakan terakhir" halaman dikemas kini.
Not adviceBukan nasihat
Loankira provides general information, not financial, tax or legal advice. For decisions about your own situation, speak to your bank, a licensed financial planner, a lawyer or LHDN.
Loankira menyediakan maklumat umum, bukan nasihat kewangan, cukai atau undang-undang. Untuk keputusan tentang situasi anda sendiri, berbincang dengan bank, perancang kewangan berlesen, peguam atau LHDN.