{"id":3569,"date":"2021-07-11T07:29:33","date_gmt":"2021-07-11T07:29:33","guid":{"rendered":"https:\/\/bikebear.directlending.com.my\/?p=3569"},"modified":"2024-01-31T10:45:30","modified_gmt":"2024-01-31T10:45:30","slug":"infografik-penangguhan-pinjaman-automatik-6-bulan","status":"publish","type":"post","link":"https:\/\/www.directlending.com.my\/ms\/blog\/infografik-penangguhan-pinjaman-automatik-6-bulan\/","title":{"rendered":"[INFOGRAFIK] Moratorium: Penangguhan Bayaran Balik Pinjaman Automatik 6 Bulan"},"content":{"rendered":"<p>Selaras dengan pengumuman tentang Pakej Perlindungan Rakyat dan Pemulihan Ekonomi (PEMULIH), peminjam individu dan perusahaan mikro serta PKS yang terjejas akibat pandemik, boleh mula memohon moratorium selama enam bulan mulai\u00a07 Julai 2021.<\/p>\n<p><a href=\"https:\/\/www.bnm.gov.my\/-\/mora-6-bulan-bermula-20210707\" target=\"_blank\" rel=\"noopener\">Pengumuman<\/a>\u00a0moratorium\/penangguhan kali ini akan diberikan kepada semua peminjam individu melibatkan golongan B40, M40 atau T20 serta usahawan miro dan PKS.<\/p>\n<p>Tidak ada lagi syarat seperti pengurangan pendapatan, semakan sama ada pemohon telah hilang pekerjaan dan dokumentasi yang perlu dikemukakan untuk permohonan.<\/p>\n<h2>Ringkasan Penangguhan Bayaran Balik Pinjaman\/ Moratorium 2.0<\/h2>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/6-768x1920.png.webp\" alt=\"\" \/><\/p>\n<h2>Soalan Lazim<\/h2>\n<p><img decoding=\"async\" src=\"\/wp-content\/uploads\/2023\/06\/7-3-768x1920.png.webp\" \/><\/p>\n<p>Tonton video penjelasan lanjut tentang penangguhan moratorium di sini.<\/p>\n<div class=\"content_video  auto-wh\"><\/div>\n\n<h2>Soalan Lazim Moratorium 2.0<\/h2>\n<p>hide<\/p>\n<p>Apakah Penangguhan Bayaran Balik Pinjaman (Moratorium) ?<br \/>\nApakah saluran untuk mohon bantuan moratorium?<br \/>\nSiapakah yang layak untuk mohon moratorium 2.0?<br \/>\nApakah proses untuk penangguhan pinjaman ini?<br \/>\nApakah faedah terkompaun akan dikenakan dalam tempoh penangguhan 6 bulan ini?<br \/>\nAdakah rekod CCRIS saya akan terjejas jika mohon moratorium?<br \/>\nJika saya mempunyai tunggakan bayaran balik pinjaman melebihi 90 hari dengan siapakah saya perlu mohon bantuan?<br \/>\nJika saya membuat pembayaran auto-debit setiap bulan, apakah yang perlu saya buat?<br \/>\nJika saya membuat pembayaran balik dengan menolak dari slip gaji apakah yang perlu saya buat?<br \/>\nApakah pinjaman koperasi untuk penjawat awam termasuk dalam penangguhan ini?<br \/>\nApakah alternatif jika saya tidak memohon moratorium<br \/>\nSatu penangguhan sementara dalam jangka masa terhad yang ditetapkan ( 6 bulan ). Sebagai contoh, jika pinjaman anda adalah 120 bulan, maka dengan moratorium ia akan menjadi 126 bulan.<br \/>\nPeminjam boleh membuat permohonan secara dalam talian melalui borang web atau e-mel automatik yang akan tersedia menerusi laman sesawang bank-bank untuk peminjam mengemukakan butiran peribadi dan pembiayaan mereka. Peminjam juga boleh menghubungi bank mereka melalui telefon dan panduan akan diberikan oleh pegawai khidmat pelanggan.<br \/>\nSemua individu (B40, M40 dan T20)<\/p>\n<p>Semua perusahaan mikro*<\/p>\n<p>Semua PKS* yang terjejas teruk akibat pandemik COVID-19<\/p>\n<p>*Seperti yang ditakrif oleh SME Corporation Malaysia<br \/>\nUntuk individu, penangguhan pinjaman adalah automatik. Sekiranya anda ingin meneruskan bayaran balik pinjaman seperti biasa, anda perlu maklumkan pihak bank anda.<br \/>\nBank tidak akan mengenakan caj faedah ke atas faedah atau keuntungan atas keuntungan (iaitu faedah\/keuntungan terkompaun) atau apa-apa faedah\/keuntungan penalti sepanjang tempoh bantuan.<br \/>\nRekod Sistem Maklumat Rujukan Kredit Berpusat (Central Credit Reference Information System, CCRIS) peminjam tidak akan terjejas akibat penerimaan apa-apa bentuk bantuan bayaran balik pinjaman pada tahun 2021.<br \/>\nPeminjam individu dan PKS yang mempunyai tunggakan bayaran balik pinjaman melebihi 90 hari boleh juga menghubungi Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi mendapatkan bantuan bayaran balik pinjaman yang sesuai dan khidmat nasihat kewangan secara percuma.<br \/>\nSemak e-statement bank anda, dan lihat jika duit anda ditolak pada tarikh akhir pinjaman.<br \/>\nAnda perlu maklumkan kepada bahagian sumber manusia di tempat anda bekerja sekiranya mahu memohon moratorium 6 bulan. Anda juga harus maklumkan kepada pihak perbankan anda.<br \/>\nSetakat ini, moratorium adalah untuk pinjaman bank &amp; institusi kewangan pembangunan. Kami akan kemaskini di artikel ini jika ada sebarang maklumat terkini.<br \/>\n1. Buat penyatuan hutang dengan <a href=\"\/ms\/blog\/apa-itu-pinjaman-koperasi-bagaimana-beza-pinjaman-bank-komersial\" target=\"_blank\" rel=\"noopener\">pinjaman koperasi<\/a>.<\/p>\n<p>2. Overlap (Pinjaman bertindih)<\/p>\n<p>3. Penstrukturan semula<\/p>\n<p>4. Buat side job<\/p>\n<p>5. Bincang dengan AKPK<br \/>\naccordion<br \/>\nhide<br \/>\nfaq-tab-content<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selaras dengan pengumuman tentang Pakej Perlindungan Rakyat dan Pemulihan Ekonomi (PEMULIH), peminjam individu<\/p>\n","protected":false},"author":4,"featured_media":4780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[65,101,105],"tags":[],"class_list":["post-3569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-ms","category-pengurusan-hutang","category-pinjaman-peribadi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.1 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>[INFOGRAFIK] Moratorium: Penangguhan Bayaran Balik Pinjaman Automatik 6 Bulan - Direct Lending<\/title>\n<meta name=\"description\" content=\"Blog terbaharu DirectLending mendedahkan maklumat grafik yang bernas mengenai penangguhan pinjaman automatik 6 bulan. 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Temui butiran utama dan kelebihan pilihan bantuan kewangan ini sekarang.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.directlending.com.my\/ms\/blog\/infografik-penangguhan-pinjaman-automatik-6-bulan\/\" \/>\n<meta property=\"og:site_name\" content=\"Direct Lending\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/DirectlendingMy\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-07-11T07:29:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-31T10:45:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2022\/11\/pinjaman-moratorium.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1350\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Yik Seong\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@directlendingmy\" \/>\n<meta name=\"twitter:site\" content=\"@directlendingmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Yik Seong\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/infografik-penangguhan-pinjaman-automatik-6-bulan\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/infografik-penangguhan-pinjaman-automatik-6-bulan\\\/\"},\"author\":{\"name\":\"Yik Seong\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#\\\/schema\\\/person\\\/26db3cf14bc9020e35638d14bc7f763b\"},\"headline\":\"[INFOGRAFIK] Moratorium: Penangguhan Bayaran Balik Pinjaman Automatik 6 Bulan\",\"datePublished\":\"2021-07-11T07:29:33+00:00\",\"dateModified\":\"2024-01-31T10:45:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/infografik-penangguhan-pinjaman-automatik-6-bulan\\\/\"},\"wordCount\":497,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/infografik-penangguhan-pinjaman-automatik-6-bulan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.directlending.com.my\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/pinjaman-moratorium.png\",\"articleSection\":[\"Blog\",\"Pengurusan Hutang\",\"Pinjaman Peribadi\"],\"inLanguage\":\"ms-MY\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/infografik-penangguhan-pinjaman-automatik-6-bulan\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/infografik-penangguhan-pinjaman-automatik-6-bulan\\\/\",\"url\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/infografik-penangguhan-pinjaman-automatik-6-bulan\\\/\",\"name\":\"[INFOGRAFIK] Moratorium: Penangguhan Bayaran Balik Pinjaman Automatik 6 Bulan - Direct Lending\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/infografik-penangguhan-pinjaman-automatik-6-bulan\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/infografik-penangguhan-pinjaman-automatik-6-bulan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.directlending.com.my\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/pinjaman-moratorium.png\",\"datePublished\":\"2021-07-11T07:29:33+00:00\",\"dateModified\":\"2024-01-31T10:45:30+00:00\",\"description\":\"Blog terbaharu DirectLending mendedahkan maklumat grafik yang bernas mengenai penangguhan pinjaman automatik 6 bulan. 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