1. What is the financing amount and profit
rate? /Apakah jumlah pembiayaan dan kadar keuntungan?
Financing Amount (RM) / Amaun Pembiayaan (RM) |
Profit Rate / Kadar Keuntungan |
Financing Tenure/ Tempoh Pembiayaan |
Selling Price/ Harga Jualan |
RM500 -
RM10,000 |
1.5% per
month/ sebulan |
3 Months
to 24 Months/ 3 Bulan hingga 24 Bulan |
Financing
Amount + Total Profit/ Jumlah Pembiayaan + Jumlah
Keuntungan |
2. Installment Table / Jadual
Ansuran
Finance Amount/ Amaun Pembiayaan (RM) |
Profit Rate /
Kadar Keuntungan 1.5% per month /Sebulan (RM500 - RM10,000) |
||||
Installment Period
(months) / Tempoh Ansuran
(bulan) |
|||||
3 |
6 |
12 |
18 |
24 |
|
RM500 |
RM174.17 |
RM90.83 |
- |
- |
- |
RM1,000 |
RM348.33 |
RM181.67 |
RM98.33 |
- |
- |
RM2,000 |
- |
RM363.33 |
RM196.67 |
RM141.11 |
- |
RM3,000 |
- |
RM545 |
RM295 |
RM211.67 |
RM170 |
RM4,000 |
- |
- |
RM393.33 |
RM282.22 |
RM226.67 |
RM5,000 |
- |
- |
RM491.67 |
RM352.78 |
RM283.33 |
RM10,000 |
- |
- |
- |
- |
RM566.67 |
3. How to calculate the monthly installment?
/ Macam mana ansuran bulanan dikira?
A = P +
(P X M X R)
M
A = Monthly Installment Amount/ Jumlah Ansuran Bulanan
P = Financing Amount / Jumlah Pembiayaan
M= Financing
Tenure (in months)/Tempoh Pembiayaan
(dalam bulan)
R= Profit Rate per month (1.5%) / Kadar Keuntungan Sebulan (1.5%)
Example/ Contoh:
Financing Amount/ Jumlah Pembiayaan:
RM3000
Installment Period
(Months) / Tempoh Ansuran (Bulan): 12 Months / Bulan
Profit Rate per month (1.5%)
A = RM3000 + (RM3000 X 12 X 1.5%)
12
= RM3000 +
(RM540)
12
= RM3540
12
Monthly Installment Amount/ Jumlah Ansuran Bulanan =RM295
4. What other charges do I have to pay? / Apakah caj-caj lain yang perlu saya bayar?
Type of Fee / Jenis
Yuran |
Details of Fee / Butiran
Yuran |
Processing
Fee / Yuran Pemprosesan |
RM60 - RM
400 Maximum
fee is RM400 / Yuran maksimum
adalah RM400 |
Stamp
Duty / Duti Setem |
Included
in processing fee/ Termasuk dalam
yuran pemprosesan |
Wakalah Fee / Yuran Wakalah |
Included
in processing fee/ Termasuk dalam
yuran pemprosesan |