Di sini kami akan kirakan perbandingan\u00a0pembiayaan sewa beli motor loan kedai VS beli motor cash dengan pinjaman peribadi\u00a0untuk bantu anda memilih jenis pembiayaan yang sesuai.\r\n
Cara Beli Motor Loan Kedai<\/h2>\r\n
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![\"motosikal](\"\/wp-content\/uploads\/2023\/06\/beli-motor-loan_Direct-Lending.jpg.webp\")
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Biasanya, pembiayaan yang menjadi pilihan untuk membeli motosikal adalah dengan skim sewa beli daripada loan kedai. Pelanggan dapat menggunakan kenderaan tersebut sambil membayar ansuran bulanan. Pelanggan tidak mempunyai hak sepenuhnya ke atas kenderaan tersebut sehingga pinjaman tersebut telah selesai sepenuhnya.\r\n
Namun, pembiayaan ini akan mengenakan kadar faedah (atau lebih dikenali sebagai kadar keuntungan) bagi perbankan Islamik seperti pinjaman peribadi bank dan koperasi<\/a> dan tempoh pembayaran adalah berbeza mengikut jenis motosikal yang dibeli.\r\n
Biasanya, pelanggan yang memilih untuk beli motosikal dengan loan kedai daripada pembekal akan menikmati harga ansuran murah dengan tempoh pinjaman yang lebih lama. Ada pula yang lebih memilih untuk memendekkan tempoh pembayaran untuk melangsaikan hutang dengan lebih cepat.\r\n
Salah satu pembiayaan motosikal yang menjadi pilihan adalah loan motor AEON\u00a0 Credit. Hal ini kerana, kebanyakan kedai motosikal menyediakan pembiayaan sewa beli antara pelanggan mereka menggunakan AEON Credit. Pembiayaan sewa beli ini memudahkan urusan peminjam mendapatkan motosikal kerana AEON Credit menawarkan pembiayaan yang berkonsep syariah dan syarat kelayakan tidak ketat. Kadar yang ditawarkan juga mampu milik untuk pemohon pinjaman. Tapi kena ingat, untuk loan kedai biasanya kena sediakan bayaran deposit sekurang-kurangnya 10% daripada harga motor.\r\n
Jadual di bawah menunjukkan pakej pembiayaan yang biasanya ditawarkan oleh loan motor AEON\u00a0 Credit.\r\n
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Jenis Motosikal\r\n
Faedah \/ Kadar Keuntungan Sebulan\r\n
Tempoh Pembayaran\r\n
Margin Kewangan\r\n
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\r\n
\u00a0Moped (bawah 250 cc)\r\n
serendah 0.833% sebulan\r\n
Baru: Sehingga 60 bulanTerpakai: Sehingga 48 bulan\r\n
Sehingga 90%\r\n
\r\n
\r\n
Big Bike, Superbike & Maxi Scooter (250 cc & ke atas)\r\n
serendah 0.375% sebulan\r\n
12 – 84 bulan (terbuka untuk motor baru dan terpakai)\r\n
Sehingga 90%\r\n
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E-Bike (motor elektronik)\r\n
serendah 0.65% sebulan\r\n
Sehingga 48 bulan\r\n
Sehingga 90%\r\n
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Maklumat adalah tepat sewaktu artikel ditulis\r\n
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Cara Beli Motor Cash<\/h2>\r\n
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Antara pembiayaan alternatif untuk membeli motor adalah memohon pinjaman peribadi, di mana pelanggan akan mohon pinjaman peribadi daripada institusi kewangan dan beli motor secara cash daripada pembekal motor. Jadi, setiap bulan pelanggan perlu bayar ansuran bulanan pinjaman peribadi tu. Salah satu kebaikkan dengan cara ini adalah motosikal akan jadi hak milik korang sepenuhnya, boleh terus dapatkan geran motor. Tapi kadar faedah, amaun pinjaman dan tempoh pinjaman bergantung juga pada institusi kewangan dan juga latar belakang kredit dan kriteria kelayakan peminjam tersebut.\r\n
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Kebaikan Mohon Pinjaman Peribadi<\/h3>\r\n
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Motosikal menjadi hak milik sepenuhnya (beli secara cash daripada pembekal)\r\n
Tempoh pembayaran lebih tinggi iaitu sehingga 120 bulan\r\n
Ansuran bulanan yang mungkin lebih rendah (pinjaman diedarkan pada tempoh masa yang lebih panjang)\r\n
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Perbandingan Beli Motor Loan Kedai Vs Cash<\/h2>\r\n
Okay, jom kita tengok kira-kira sikit dan lihat perbandingan antara beli motor dengan loan kedai dan loan bank. Untuk loan kedai, saya akan menggunakan contoh loan motor AEON Credit dan untuk pinjaman peribadi adalah Pinjaman Koperasi Kuwait Finance House (KFH<\/a>) di mana pinjaman ini ditawarkan kepada kakitangan kerajaan sahaja. Andaikan kadar faedah adalah 4.2% setahun, jadi kadar faedah sebulan adalah 0.35%.\r\n
Contoh 1 (Motor bawah 250cc) : Membeli motor Honda RS150R (2023) dengan harga on the road RM7,999 dan 149.2cc<\/h3>\r\n
![\"cara](\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2024\/02\/cara-beli-motor-loan-kedai-atau-cash-direct-lending.png\")
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\u00a0\r\n
Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
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Kadar Faedah Bulanan\r\n
0.833%\r\n
0.35%\r\n
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Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
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Bayaran Faedah\r\n
RM7,199 x 0.833% x 60 = RM3,598\r\n
RM7,999 x 0.35% x 60 = RM1,680\r\n
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Jumlah Bayaran\r\n
RM7,199 + RM3,598 = RM10,797\r\n
RM7,999 + RM1,680 = RM9,679\r\n
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Ansuran Bayaran\r\n
RM10,797 \/ 60 = RM180\r\n
RM9,679 \/ 60 = RM161\r\n
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Deposit\u00a0\r\n
RM799.90 (10%)\r\n
Tiada\r\n
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**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
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\u00a0\r\n
Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
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\r\n
Kadar Faedah Bulanan\r\n
0.375%\r\n
0.35%\r\n
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Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
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Bayaran Faedah\r\n
RM40,949 x 0.375% x 60 = RM9,214\r\n
RM45,499 x 0.35% x 60 = RM9,555\r\n
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Jumlah Bayaran\r\n
RM40,949 + RM9,214 = RM50,163\r\n
RM45,499 + RM9,555 = RM55,054\r\n
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Ansuran Bayaran\r\n
RM50,163 \/ 60 = RM836.05\r\n
RM55,054 \/ 60 = RM918\r\n
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Deposit\r\n
RM4549.9 (10%)\r\n
Tiada\r\n
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**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
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\u00a0\r\n
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Ikut contoh ni, pinjaman peribadi juga lebih jimat disebabkan kadar faedah yang lebih rendah. Peminjam juga taklah rasa sakit sangat nak keluarkan deposit tinggi sebanyak RM4,000. Take note ya, bergantung pada syarat kelayakan anda, ada juga loan kedai yang mungkin akan minta deposit 20%.\u00a0\r\n
Video: Beli Motor Guna Loan Kedai VS Loan Bank, Mana Lagi Berbaloi?<\/h2>\r\n
<\/div>\n\r\n
Kesimpulan<\/h2>\r\n
Adakah pinjaman peribadi pilihan yang lebih baik untuk membeli motosikal? Mungkin ya, daripada segi jumlah bayaran yang lebih rendah. Tetapi ia bergantung juga kepada profil dan akses kredit anda. Sebagai pelanggan bijak, anda patut nilai kesemua pilihan sebelum membuat keputusan yang sesuai dengan keperluan kewangan anda.\r\n
Tidak salah untuk mencuba pinjaman peribadi kerana mungkin ia adalah pilihan yang sesuai dengan kemampuan sama ada anda ingin membeli motor atau beli kereta<\/a> yang berbaloi dengan wang anda.\r\n
Artikel ini ditulis oleh Direct Lending<\/a> \u2013 Platform pinjaman di Malaysia yang mudah, telus, diperibadikan, dan menjamin kepuasan anda. Setakat ini, kami sudah ada lebih 3,000 review 5-bintang daripada pelanggan di Google dan Facebook. Layari laman web Direct Lending untuk cari, banding, dan mohon pinjaman peribadi, pinjaman PKS Mikro, dan ansuran servis kereta.\r\n
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hide
Jadi, kalau dilihat perbandingan ini, loan bank iaitu pinjaman peribadi lebih jimat sebab bayaran faedah pun lebih rendah dalam anggaran RM1,900 lebih. Apa yang paling best sekali dengan pinjaman peribadi, peminjam tak perlu sediakan pun bayaran deposit 10%.\u00a0\r\n
Contoh 2 (Motor atas 250cc) : Membeli motor Honda CBR650R (2023) dengan harga on the road RM45,499 dan 649cc<\/h3>\r\n
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![\"cara](\"\/wp-content\/uploads\/2024\/02\/cara-beli-motor-loan-kedai-atau-cash-direct-lending-1.png\")
\r\n
\r\n
\r\n
\r\n
\r\n
\u00a0\r\n
Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
\r\n
\r\n
Kadar Faedah Bulanan\r\n
0.375%\r\n
0.35%\r\n
\r\n
\r\n
Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
\r\n
\r\n
Bayaran Faedah\r\n
RM40,949 x 0.375% x 60 = RM9,214\r\n
RM45,499 x 0.35% x 60 = RM9,555\r\n
\r\n
\r\n
Jumlah Bayaran\r\n
RM40,949 + RM9,214 = RM50,163\r\n
RM45,499 + RM9,555 = RM55,054\r\n
\r\n
\r\n
Ansuran Bayaran\r\n
RM50,163 \/ 60 = RM836.05\r\n
RM55,054 \/ 60 = RM918\r\n
\r\n
\r\n
Deposit\r\n
RM4549.9 (10%)\r\n
Tiada\r\n
\r\n
\r\n
\r\n
**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
\r\n
\r\n
\r\n
\r\n
\u00a0\r\n
\r\n
\r\n
\r\n
Ikut contoh ni, pinjaman peribadi juga lebih jimat disebabkan kadar faedah yang lebih rendah. Peminjam juga taklah rasa sakit sangat nak keluarkan deposit tinggi sebanyak RM4,000. Take note ya, bergantung pada syarat kelayakan anda, ada juga loan kedai yang mungkin akan minta deposit 20%.\u00a0\r\n
Video: Beli Motor Guna Loan Kedai VS Loan Bank, Mana Lagi Berbaloi?<\/h2>\r\n
<\/div>\n\r\n
Kesimpulan<\/h2>\r\n
Adakah pinjaman peribadi pilihan yang lebih baik untuk membeli motosikal? Mungkin ya, daripada segi jumlah bayaran yang lebih rendah. Tetapi ia bergantung juga kepada profil dan akses kredit anda. Sebagai pelanggan bijak, anda patut nilai kesemua pilihan sebelum membuat keputusan yang sesuai dengan keperluan kewangan anda.\r\n
Tidak salah untuk mencuba pinjaman peribadi kerana mungkin ia adalah pilihan yang sesuai dengan kemampuan sama ada anda ingin membeli motor atau beli kereta<\/a> yang berbaloi dengan wang anda.\r\n
Artikel ini ditulis oleh Direct Lending<\/a> \u2013 Platform pinjaman di Malaysia yang mudah, telus, diperibadikan, dan menjamin kepuasan anda. Setakat ini, kami sudah ada lebih 3,000 review 5-bintang daripada pelanggan di Google dan Facebook. Layari laman web Direct Lending untuk cari, banding, dan mohon pinjaman peribadi, pinjaman PKS Mikro, dan ansuran servis kereta.\r\n
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hide
","protected":false},"excerpt":{"rendered":"Memandangkan kos memiliki sebuah kereta di Malaysia semakin tinggi, maka motosikal adalah pilihan kenderaan peribadi yang lebih jimat <\/p>\n","protected":false},"author":7,"featured_media":4999,"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":[65,229,99,105],"tags":[],"class_list":["post-412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-ms","category-blog-ms-2","category-pengurusan-kewangan","category-pinjaman-peribadi"],"acf":[],"yoast_head":"\n
Cara Beli Motor Loan Kedai vs Cash<\/title>\n<meta name=\"description\" content=\"Belum mampu beli kereta jadi nak beli motor dengan pembiayaan yang berbaloi? Ini perbandingan beli motor loan kedai VS beli motor cash.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.directlending.com.my\/ms\/blog\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cara Beli Motor Loan Kedai vs Cash\" \/>\n<meta property=\"og:description\" content=\"Belum mampu beli kereta jadi nak beli motor dengan pembiayaan yang berbaloi? Ini perbandingan beli motor loan kedai VS beli motor cash.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.directlending.com.my\/ms\/blog\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\/\" \/>\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=\"2025-11-05T08:00:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-23T07:25:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2023\/03\/bei-motor-loan-kedai-atau-cash.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=\"Sera\" \/>\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=\"Sera\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 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\\\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\\\/\"},\"author\":{\"name\":\"Sera\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#\\\/schema\\\/person\\\/625874c878712ade5d32feab92643368\"},\"headline\":\"Cara Beli Motor Loan Kedai vs Cash\",\"datePublished\":\"2025-11-05T08:00:27+00:00\",\"dateModified\":\"2026-01-23T07:25:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\\\/\"},\"wordCount\":1317,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.directlending.com.my\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/bei-motor-loan-kedai-atau-cash.png\",\"articleSection\":[\"Blog\",\"Blog\",\"Pengurusan Kewangan\",\"Pinjaman Peribadi\"],\"inLanguage\":\"ms-MY\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\\\/\",\"url\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\\\/\",\"name\":\"Cara Beli Motor Loan Kedai vs Cash\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.directlending.com.my\\\/ms\\\/blog\\\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.directlending.com.my\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/bei-motor-loan-kedai-atau-cash.png\",\"datePublished\":\"2025-11-05T08:00:27+00:00\",\"dateModified\":\"2026-01-23T07:25:05+00:00\",\"description\":\"Belum mampu beli kereta jadi nak beli motor dengan pembiayaan yang berbaloi? 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\r\n
Antara pembiayaan alternatif untuk membeli motor adalah memohon pinjaman peribadi, di mana pelanggan akan mohon pinjaman peribadi daripada institusi kewangan dan beli motor secara cash daripada pembekal motor. Jadi, setiap bulan pelanggan perlu bayar ansuran bulanan pinjaman peribadi tu. Salah satu kebaikkan dengan cara ini adalah motosikal akan jadi hak milik korang sepenuhnya, boleh terus dapatkan geran motor. Tapi kadar faedah, amaun pinjaman dan tempoh pinjaman bergantung juga pada institusi kewangan dan juga latar belakang kredit dan kriteria kelayakan peminjam tersebut.\r\n
\r\n
Kebaikan Mohon Pinjaman Peribadi<\/h3>\r\n
\r\n
\r\n
Motosikal menjadi hak milik sepenuhnya (beli secara cash daripada pembekal)\r\n
Tempoh pembayaran lebih tinggi iaitu sehingga 120 bulan\r\n
Ansuran bulanan yang mungkin lebih rendah (pinjaman diedarkan pada tempoh masa yang lebih panjang)\r\n
\r\n
\r\n
Perbandingan Beli Motor Loan Kedai Vs Cash<\/h2>\r\n
Okay, jom kita tengok kira-kira sikit dan lihat perbandingan antara beli motor dengan loan kedai dan loan bank. Untuk loan kedai, saya akan menggunakan contoh loan motor AEON Credit dan untuk pinjaman peribadi adalah Pinjaman Koperasi Kuwait Finance House (KFH<\/a>) di mana pinjaman ini ditawarkan kepada kakitangan kerajaan sahaja. Andaikan kadar faedah adalah 4.2% setahun, jadi kadar faedah sebulan adalah 0.35%.\r\n
Contoh 1 (Motor bawah 250cc) : Membeli motor Honda RS150R (2023) dengan harga on the road RM7,999 dan 149.2cc<\/h3>\r\n
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\r\n
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\r\n
\u00a0\r\n
Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
\r\n
\r\n
Kadar Faedah Bulanan\r\n
0.833%\r\n
0.35%\r\n
\r\n
\r\n
Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
\r\n
\r\n
Bayaran Faedah\r\n
RM7,199 x 0.833% x 60 = RM3,598\r\n
RM7,999 x 0.35% x 60 = RM1,680\r\n
\r\n
\r\n
Jumlah Bayaran\r\n
RM7,199 + RM3,598 = RM10,797\r\n
RM7,999 + RM1,680 = RM9,679\r\n
\r\n
\r\n
Ansuran Bayaran\r\n
RM10,797 \/ 60 = RM180\r\n
RM9,679 \/ 60 = RM161\r\n
\r\n
\r\n
Deposit\u00a0\r\n
RM799.90 (10%)\r\n
Tiada\r\n
\r\n
\r\n
\r\n
**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
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\r\n
\r\n
\r\n
\r\n
\r\n
\u00a0\r\n
Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
\r\n
\r\n
Kadar Faedah Bulanan\r\n
0.375%\r\n
0.35%\r\n
\r\n
\r\n
Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
\r\n
\r\n
Bayaran Faedah\r\n
RM40,949 x 0.375% x 60 = RM9,214\r\n
RM45,499 x 0.35% x 60 = RM9,555\r\n
\r\n
\r\n
Jumlah Bayaran\r\n
RM40,949 + RM9,214 = RM50,163\r\n
RM45,499 + RM9,555 = RM55,054\r\n
\r\n
\r\n
Ansuran Bayaran\r\n
RM50,163 \/ 60 = RM836.05\r\n
RM55,054 \/ 60 = RM918\r\n
\r\n
\r\n
Deposit\r\n
RM4549.9 (10%)\r\n
Tiada\r\n
\r\n
\r\n
\r\n
**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
\r\n
\r\n
\r\n
\r\n
\u00a0\r\n
\r\n
\r\n
\r\n
Ikut contoh ni, pinjaman peribadi juga lebih jimat disebabkan kadar faedah yang lebih rendah. Peminjam juga taklah rasa sakit sangat nak keluarkan deposit tinggi sebanyak RM4,000. Take note ya, bergantung pada syarat kelayakan anda, ada juga loan kedai yang mungkin akan minta deposit 20%.\u00a0\r\n
Video: Beli Motor Guna Loan Kedai VS Loan Bank, Mana Lagi Berbaloi?<\/h2>\r\n
<\/div>\n\r\n
Kesimpulan<\/h2>\r\n
Adakah pinjaman peribadi pilihan yang lebih baik untuk membeli motosikal? Mungkin ya, daripada segi jumlah bayaran yang lebih rendah. Tetapi ia bergantung juga kepada profil dan akses kredit anda. Sebagai pelanggan bijak, anda patut nilai kesemua pilihan sebelum membuat keputusan yang sesuai dengan keperluan kewangan anda.\r\n
Tidak salah untuk mencuba pinjaman peribadi kerana mungkin ia adalah pilihan yang sesuai dengan kemampuan sama ada anda ingin membeli motor atau beli kereta<\/a> yang berbaloi dengan wang anda.\r\n
Artikel ini ditulis oleh Direct Lending<\/a> \u2013 Platform pinjaman di Malaysia yang mudah, telus, diperibadikan, dan menjamin kepuasan anda. Setakat ini, kami sudah ada lebih 3,000 review 5-bintang daripada pelanggan di Google dan Facebook. Layari laman web Direct Lending untuk cari, banding, dan mohon pinjaman peribadi, pinjaman PKS Mikro, dan ansuran servis kereta.\r\n
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Jadi, kalau dilihat perbandingan ini, loan bank iaitu pinjaman peribadi lebih jimat sebab bayaran faedah pun lebih rendah dalam anggaran RM1,900 lebih. Apa yang paling best sekali dengan pinjaman peribadi, peminjam tak perlu sediakan pun bayaran deposit 10%.\u00a0\r\n
Contoh 2 (Motor atas 250cc) : Membeli motor Honda CBR650R (2023) dengan harga on the road RM45,499 dan 649cc<\/h3>\r\n
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Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
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Kadar Faedah Bulanan\r\n
0.375%\r\n
0.35%\r\n
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Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
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Bayaran Faedah\r\n
RM40,949 x 0.375% x 60 = RM9,214\r\n
RM45,499 x 0.35% x 60 = RM9,555\r\n
\r\n
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Jumlah Bayaran\r\n
RM40,949 + RM9,214 = RM50,163\r\n
RM45,499 + RM9,555 = RM55,054\r\n
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Ansuran Bayaran\r\n
RM50,163 \/ 60 = RM836.05\r\n
RM55,054 \/ 60 = RM918\r\n
\r\n
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Deposit\r\n
RM4549.9 (10%)\r\n
Tiada\r\n
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**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
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Ikut contoh ni, pinjaman peribadi juga lebih jimat disebabkan kadar faedah yang lebih rendah. Peminjam juga taklah rasa sakit sangat nak keluarkan deposit tinggi sebanyak RM4,000. Take note ya, bergantung pada syarat kelayakan anda, ada juga loan kedai yang mungkin akan minta deposit 20%.\u00a0\r\n
Video: Beli Motor Guna Loan Kedai VS Loan Bank, Mana Lagi Berbaloi?<\/h2>\r\n
<\/div>\n\r\n
Kesimpulan<\/h2>\r\n
Adakah pinjaman peribadi pilihan yang lebih baik untuk membeli motosikal? Mungkin ya, daripada segi jumlah bayaran yang lebih rendah. Tetapi ia bergantung juga kepada profil dan akses kredit anda. Sebagai pelanggan bijak, anda patut nilai kesemua pilihan sebelum membuat keputusan yang sesuai dengan keperluan kewangan anda.\r\n
Tidak salah untuk mencuba pinjaman peribadi kerana mungkin ia adalah pilihan yang sesuai dengan kemampuan sama ada anda ingin membeli motor atau beli kereta<\/a> yang berbaloi dengan wang anda.\r\n
Artikel ini ditulis oleh Direct Lending<\/a> \u2013 Platform pinjaman di Malaysia yang mudah, telus, diperibadikan, dan menjamin kepuasan anda. Setakat ini, kami sudah ada lebih 3,000 review 5-bintang daripada pelanggan di Google dan Facebook. Layari laman web Direct Lending untuk cari, banding, dan mohon pinjaman peribadi, pinjaman PKS Mikro, dan ansuran servis kereta.\r\n
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","protected":false},"excerpt":{"rendered":"Memandangkan kos memiliki sebuah kereta di Malaysia semakin tinggi, maka motosikal adalah pilihan kenderaan peribadi yang lebih jimat <\/p>\n","protected":false},"author":7,"featured_media":4999,"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":[65,229,99,105],"tags":[],"class_list":["post-412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-ms","category-blog-ms-2","category-pengurusan-kewangan","category-pinjaman-peribadi"],"acf":[],"yoast_head":"\n
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Okay, jom kita tengok kira-kira sikit dan lihat perbandingan antara beli motor dengan loan kedai dan loan bank. Untuk loan kedai, saya akan menggunakan contoh loan motor AEON Credit dan untuk pinjaman peribadi adalah Pinjaman Koperasi Kuwait Finance House (KFH<\/a>) di mana pinjaman ini ditawarkan kepada kakitangan kerajaan sahaja. Andaikan kadar faedah adalah 4.2% setahun, jadi kadar faedah sebulan adalah 0.35%.\r\n
Contoh 1 (Motor bawah 250cc) : Membeli motor Honda RS150R (2023) dengan harga on the road RM7,999 dan 149.2cc<\/h3>\r\n
\r\n
\r\n
\r\n
\r\n
\r\n
\r\n
\u00a0\r\n
Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
\r\n
\r\n
Kadar Faedah Bulanan\r\n
0.833%\r\n
0.35%\r\n
\r\n
\r\n
Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
\r\n
\r\n
Bayaran Faedah\r\n
RM7,199 x 0.833% x 60 = RM3,598\r\n
RM7,999 x 0.35% x 60 = RM1,680\r\n
\r\n
\r\n
Jumlah Bayaran\r\n
RM7,199 + RM3,598 = RM10,797\r\n
RM7,999 + RM1,680 = RM9,679\r\n
\r\n
\r\n
Ansuran Bayaran\r\n
RM10,797 \/ 60 = RM180\r\n
RM9,679 \/ 60 = RM161\r\n
\r\n
\r\n
Deposit\u00a0\r\n
RM799.90 (10%)\r\n
Tiada\r\n
\r\n
\r\n
\r\n
**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
\r\n
\r\n
\r\n
\r\n
\r\n
\r\n
\u00a0\r\n
Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
\r\n
\r\n
Kadar Faedah Bulanan\r\n
0.375%\r\n
0.35%\r\n
\r\n
\r\n
Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
\r\n
\r\n
Bayaran Faedah\r\n
RM40,949 x 0.375% x 60 = RM9,214\r\n
RM45,499 x 0.35% x 60 = RM9,555\r\n
\r\n
\r\n
Jumlah Bayaran\r\n
RM40,949 + RM9,214 = RM50,163\r\n
RM45,499 + RM9,555 = RM55,054\r\n
\r\n
\r\n
Ansuran Bayaran\r\n
RM50,163 \/ 60 = RM836.05\r\n
RM55,054 \/ 60 = RM918\r\n
\r\n
\r\n
Deposit\r\n
RM4549.9 (10%)\r\n
Tiada\r\n
\r\n
\r\n
\r\n
**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
\r\n
\r\n
\r\n
\r\n
\u00a0\r\n
\r\n
\r\n
\r\n
Ikut contoh ni, pinjaman peribadi juga lebih jimat disebabkan kadar faedah yang lebih rendah. Peminjam juga taklah rasa sakit sangat nak keluarkan deposit tinggi sebanyak RM4,000. Take note ya, bergantung pada syarat kelayakan anda, ada juga loan kedai yang mungkin akan minta deposit 20%.\u00a0\r\n
Video: Beli Motor Guna Loan Kedai VS Loan Bank, Mana Lagi Berbaloi?<\/h2>\r\n
<\/div>\n\r\n
Kesimpulan<\/h2>\r\n
Adakah pinjaman peribadi pilihan yang lebih baik untuk membeli motosikal? Mungkin ya, daripada segi jumlah bayaran yang lebih rendah. Tetapi ia bergantung juga kepada profil dan akses kredit anda. Sebagai pelanggan bijak, anda patut nilai kesemua pilihan sebelum membuat keputusan yang sesuai dengan keperluan kewangan anda.\r\n
Tidak salah untuk mencuba pinjaman peribadi kerana mungkin ia adalah pilihan yang sesuai dengan kemampuan sama ada anda ingin membeli motor atau beli kereta<\/a> yang berbaloi dengan wang anda.\r\n
Artikel ini ditulis oleh Direct Lending<\/a> \u2013 Platform pinjaman di Malaysia yang mudah, telus, diperibadikan, dan menjamin kepuasan anda. Setakat ini, kami sudah ada lebih 3,000 review 5-bintang daripada pelanggan di Google dan Facebook. Layari laman web Direct Lending untuk cari, banding, dan mohon pinjaman peribadi, pinjaman PKS Mikro, dan ansuran servis kereta.\r\n
\r\n
hide
Jadi, kalau dilihat perbandingan ini, loan bank iaitu pinjaman peribadi lebih jimat sebab bayaran faedah pun lebih rendah dalam anggaran RM1,900 lebih. Apa yang paling best sekali dengan pinjaman peribadi, peminjam tak perlu sediakan pun bayaran deposit 10%.\u00a0\r\n
Contoh 2 (Motor atas 250cc) : Membeli motor Honda CBR650R (2023) dengan harga on the road RM45,499 dan 649cc<\/h3>\r\n
\r\n
\r\n
\r\n
\r\n
\r\n
\r\n
\u00a0\r\n
Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
\r\n
\r\n
Kadar Faedah Bulanan\r\n
0.375%\r\n
0.35%\r\n
\r\n
\r\n
Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
\r\n
\r\n
Bayaran Faedah\r\n
RM40,949 x 0.375% x 60 = RM9,214\r\n
RM45,499 x 0.35% x 60 = RM9,555\r\n
\r\n
\r\n
Jumlah Bayaran\r\n
RM40,949 + RM9,214 = RM50,163\r\n
RM45,499 + RM9,555 = RM55,054\r\n
\r\n
\r\n
Ansuran Bayaran\r\n
RM50,163 \/ 60 = RM836.05\r\n
RM55,054 \/ 60 = RM918\r\n
\r\n
\r\n
Deposit\r\n
RM4549.9 (10%)\r\n
Tiada\r\n
\r\n
\r\n
\r\n
**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
\r\n
\r\n
\r\n
\r\n
\u00a0\r\n
\r\n
\r\n
\r\n
Ikut contoh ni, pinjaman peribadi juga lebih jimat disebabkan kadar faedah yang lebih rendah. Peminjam juga taklah rasa sakit sangat nak keluarkan deposit tinggi sebanyak RM4,000. Take note ya, bergantung pada syarat kelayakan anda, ada juga loan kedai yang mungkin akan minta deposit 20%.\u00a0\r\n
Video: Beli Motor Guna Loan Kedai VS Loan Bank, Mana Lagi Berbaloi?<\/h2>\r\n
<\/div>\n\r\n
Kesimpulan<\/h2>\r\n
Adakah pinjaman peribadi pilihan yang lebih baik untuk membeli motosikal? Mungkin ya, daripada segi jumlah bayaran yang lebih rendah. Tetapi ia bergantung juga kepada profil dan akses kredit anda. Sebagai pelanggan bijak, anda patut nilai kesemua pilihan sebelum membuat keputusan yang sesuai dengan keperluan kewangan anda.\r\n
Tidak salah untuk mencuba pinjaman peribadi kerana mungkin ia adalah pilihan yang sesuai dengan kemampuan sama ada anda ingin membeli motor atau beli kereta<\/a> yang berbaloi dengan wang anda.\r\n
Artikel ini ditulis oleh Direct Lending<\/a> \u2013 Platform pinjaman di Malaysia yang mudah, telus, diperibadikan, dan menjamin kepuasan anda. Setakat ini, kami sudah ada lebih 3,000 review 5-bintang daripada pelanggan di Google dan Facebook. Layari laman web Direct Lending untuk cari, banding, dan mohon pinjaman peribadi, pinjaman PKS Mikro, dan ansuran servis kereta.\r\n
\r\n
hide
","protected":false},"excerpt":{"rendered":"Memandangkan kos memiliki sebuah kereta di Malaysia semakin tinggi, maka motosikal adalah pilihan kenderaan peribadi yang lebih jimat <\/p>\n","protected":false},"author":7,"featured_media":4999,"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":[65,229,99,105],"tags":[],"class_list":["post-412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-ms","category-blog-ms-2","category-pengurusan-kewangan","category-pinjaman-peribadi"],"acf":[],"yoast_head":"\n
Cara Beli Motor Loan Kedai vs Cash<\/title>\n<meta name=\"description\" content=\"Belum mampu beli kereta jadi nak beli motor dengan pembiayaan yang berbaloi? Ini perbandingan beli motor loan kedai VS beli motor cash.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.directlending.com.my\/ms\/blog\/pembayaran-beli-motorsikal-pinjaman-peribadi-2\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cara Beli Motor Loan Kedai vs Cash\" \/>\n<meta property=\"og:description\" content=\"Belum mampu beli kereta jadi nak beli motor dengan pembiayaan yang berbaloi? 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<\/div>\n\r\n
Kesimpulan<\/h2>\r\n
Kesimpulan<\/h2>\r\n
Adakah pinjaman peribadi pilihan yang lebih baik untuk membeli motosikal? Mungkin ya, daripada segi jumlah bayaran yang lebih rendah. Tetapi ia bergantung juga kepada profil dan akses kredit anda. Sebagai pelanggan bijak, anda patut nilai kesemua pilihan sebelum membuat keputusan yang sesuai dengan keperluan kewangan anda.\r\n
Tidak salah untuk mencuba pinjaman peribadi kerana mungkin ia adalah pilihan yang sesuai dengan kemampuan sama ada anda ingin membeli motor atau beli kereta<\/a> yang berbaloi dengan wang anda.\r\n
Artikel ini ditulis oleh Direct Lending<\/a> \u2013 Platform pinjaman di Malaysia yang mudah, telus, diperibadikan, dan menjamin kepuasan anda. Setakat ini, kami sudah ada lebih 3,000 review 5-bintang daripada pelanggan di Google dan Facebook. Layari laman web Direct Lending untuk cari, banding, dan mohon pinjaman peribadi, pinjaman PKS Mikro, dan ansuran servis kereta.\r\n
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Jadi, kalau dilihat perbandingan ini, loan bank iaitu pinjaman peribadi lebih jimat sebab bayaran faedah pun lebih rendah dalam anggaran RM1,900 lebih. Apa yang paling best sekali dengan pinjaman peribadi, peminjam tak perlu sediakan pun bayaran deposit 10%.\u00a0\r\n
Contoh 2 (Motor atas 250cc) : Membeli motor Honda CBR650R (2023) dengan harga on the road RM45,499 dan 649cc<\/h3>\r\n
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Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
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Kadar Faedah Bulanan\r\n
0.375%\r\n
0.35%\r\n
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Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
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Bayaran Faedah\r\n
RM40,949 x 0.375% x 60 = RM9,214\r\n
RM45,499 x 0.35% x 60 = RM9,555\r\n
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Jumlah Bayaran\r\n
RM40,949 + RM9,214 = RM50,163\r\n
RM45,499 + RM9,555 = RM55,054\r\n
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Ansuran Bayaran\r\n
RM50,163 \/ 60 = RM836.05\r\n
RM55,054 \/ 60 = RM918\r\n
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Deposit\r\n
RM4549.9 (10%)\r\n
Tiada\r\n
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**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
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Ikut contoh ni, pinjaman peribadi juga lebih jimat disebabkan kadar faedah yang lebih rendah. Peminjam juga taklah rasa sakit sangat nak keluarkan deposit tinggi sebanyak RM4,000. Take note ya, bergantung pada syarat kelayakan anda, ada juga loan kedai yang mungkin akan minta deposit 20%.\u00a0\r\n
Video: Beli Motor Guna Loan Kedai VS Loan Bank, Mana Lagi Berbaloi?<\/h2>\r\n
<\/div>\n\r\n
Kesimpulan<\/h2>\r\n
Adakah pinjaman peribadi pilihan yang lebih baik untuk membeli motosikal? Mungkin ya, daripada segi jumlah bayaran yang lebih rendah. Tetapi ia bergantung juga kepada profil dan akses kredit anda. Sebagai pelanggan bijak, anda patut nilai kesemua pilihan sebelum membuat keputusan yang sesuai dengan keperluan kewangan anda.\r\n
Tidak salah untuk mencuba pinjaman peribadi kerana mungkin ia adalah pilihan yang sesuai dengan kemampuan sama ada anda ingin membeli motor atau beli kereta<\/a> yang berbaloi dengan wang anda.\r\n
Artikel ini ditulis oleh Direct Lending<\/a> \u2013 Platform pinjaman di Malaysia yang mudah, telus, diperibadikan, dan menjamin kepuasan anda. Setakat ini, kami sudah ada lebih 3,000 review 5-bintang daripada pelanggan di Google dan Facebook. Layari laman web Direct Lending untuk cari, banding, dan mohon pinjaman peribadi, pinjaman PKS Mikro, dan ansuran servis kereta.\r\n
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","protected":false},"excerpt":{"rendered":"Memandangkan kos memiliki sebuah kereta di Malaysia semakin tinggi, maka motosikal adalah pilihan kenderaan peribadi yang lebih jimat <\/p>\n","protected":false},"author":7,"featured_media":4999,"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":[65,229,99,105],"tags":[],"class_list":["post-412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-ms","category-blog-ms-2","category-pengurusan-kewangan","category-pinjaman-peribadi"],"acf":[],"yoast_head":"\n
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\u00a0\r\n
Kos Beli Motor Loan Kedai\r\n
Kos Beli Motor Pinjaman Peribadi\r\n
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\r\n
Kadar Faedah Bulanan\r\n
0.375%\r\n
0.35%\r\n
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Tempoh Pembayaran\r\n
60 bulan (5 tahun)\r\n
60 bulan (5 tahun)\r\n
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Bayaran Faedah\r\n
RM40,949 x 0.375% x 60 = RM9,214\r\n
RM45,499 x 0.35% x 60 = RM9,555\r\n
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Jumlah Bayaran\r\n
RM40,949 + RM9,214 = RM50,163\r\n
RM45,499 + RM9,555 = RM55,054\r\n
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Ansuran Bayaran\r\n
RM50,163 \/ 60 = RM836.05\r\n
RM55,054 \/ 60 = RM918\r\n
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Deposit\r\n
RM4549.9 (10%)\r\n
Tiada\r\n
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**Ini adalah sekadar anggaran kadar faedah bulanan. Kadar faedah promosi ini adalah sekitar 0.22% – 0.25% dan kadar faedah yang diluluskan juga bergantung kepada laporan kredit dan juga corak pembayaran balik peminjam.\r\n
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\u00a0\r\n
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Ikut contoh ni, pinjaman peribadi juga lebih jimat disebabkan kadar faedah yang lebih rendah. Peminjam juga taklah rasa sakit sangat nak keluarkan deposit tinggi sebanyak RM4,000. Take note ya, bergantung pada syarat kelayakan anda, ada juga loan kedai yang mungkin akan minta deposit 20%.\u00a0\r\n