Malaysian car financing works on hire purchase with a flat interest rate — which sounds cheap but isn't quite what it seems. Interest is charged on the full financed amount for the entire tenure, even as you pay the loan down. This calculator shows both the quoted flat rate math and the honest effective rate so you can compare offers properly.
Pembiayaan kereta di Malaysia berfungsi secara sewa-beli dengan kadar faedah tetap — kedengarannya murah tetapi bukan sebenarnya begitu. Faedah dicaj atas jumlah pembiayaan penuh untuk keseluruhan tempoh, walaupun anda sudah membayar ansuran. Kalkulator ini menunjukkan kedua-dua kiraan kadar tetap yang dipetik dan kadar efektif yang jujur supaya anda boleh membandingkan tawaran dengan betul.
Enter the OTR price, down payment, the flat rate from your loan offer and tenure. Get your monthly commitment instantly.
Masukkan harga OTR, deposit muka, kadar tetap daripada tawaran pinjaman anda dan tempoh. Dapatkan komitmen bulanan anda serta-merta.
Because with flat-rate hire purchase you pay interest on money you've already repaid. A 2.8% flat rate over 7 years works out to roughly 5.2–5.5% effective. When comparing bank offers, always compare effective rates — a 'lower' flat rate on a longer tenure can cost more than a 'higher' flat rate on a shorter one.
Kerana dengan sewa-beli kadar tetap anda membayar faedah atas wang yang telah anda bayar balik. Kadar tetap 2.8% selama 7 tahun menjadi lebih kurang 5.2–5.5% efektif. Apabila membandingkan tawaran bank, sentiasa bandingkan kadar efektif — kadar tetap 'lebih rendah' pada tempoh lebih panjang boleh menelan lebih banyak daripada kadar tetap 'lebih tinggi' pada tempoh lebih pendek.
Bank Negara's hire-purchase rules require a minimum 10% down payment for cars. On a RM100,000 OTR car that's RM10,000 minimum. A larger down payment reduces both your instalment and total interest.
Peraturan sewa-beli Bank Negara memerlukan deposit minimum 10% untuk kereta. Untuk kereta OTR RM100,000 itu bermaksud RM10,000 minimum. Deposit muka lebih besar mengurangkan kedua-dua ansuran dan jumlah faedah anda.
Shorter is almost always cheaper: 5–7 years keeps total interest low. Stretching to 9 years lowers the instalment but you pay far more interest and risk being upside-down (owing more than the car is worth) as the car depreciates faster than the loan.
Lebih pendek hampir sentiasa lebih murah: 5–7 tahun mengekalkan jumlah faedah rendah. Merentangkan hingga 9 tahun menurunkan ansuran tetapi anda membayar jauh lebih banyak faedah dan berisiko 'terbalik' (berhutang lebih daripada nilai kereta) kerana kereta susut nilai lebih cepat daripada pinjaman.
No — instalments shown are hire-purchase only. Comprehensive insurance for a typical RM100k car runs RM2,500–3,500/year plus roadtax. Budget these separately when planning your total car cost.
Tidak — ansuran yang ditunjukkan adalah sewa-beli sahaja. Insurans komprehensif untuk kereta RM100k lazim menelan RM2,500–3,500 setahun plus roadtax. Belanjakan ini secara berasingan apabila merancang jumlah kos kereta anda.
Need a different calculator? Try our Bahasa Melayu version or the English version, or go back to the main calculators. Perlu kalkulator lain? Cuba versi English kami atau kembali ke kalkulator utama.