Kalkulator Sewa Beli Kereta Malaysia 2026

Kira ansuran bulanan kereta, jumlah faedah dan kadar efektif. Flat rate vs reducing rate.

Maklumat Kereta

Harga kereta: RM 80,000.00

Deposit: 10% (RM 8,000.00)

Tempoh: 7 tahun

Kadar faedah flat: 3.00% p.a.

Flat rate vs reducing rate: Bank Malaysia guna flat rate untuk HP kereta. Flat rate 3% ≈ reducing rate ~5.4%. Pastikan bandingkan apple-to-apple.

Pengiraan Sewa Beli

Ansuran Bulanan

RM 1,037.14

84 bulan × RM 1,037.14

Harga keretaRM 80,000.00

Deposit (10%)RM 8,000.00

Jumlah pinjamanRM 72,000.00

Jumlah faedah (3% × 7 thn)RM 15,120.00

Kadar efektif (anggaran)5.4% p.a.

Jumlah bayaranRM 87,120.00

Kos Tahunan Kereta (Anggaran)

Ansuran tahunanRM 12,445.71

Insurans (~3%)~RM 2,400.00

Cukai jalan~RM 200.00

Jumlah kos/tahun~RM 15,045.71

📈 moomooSC Malaysia Licensed · No.1 Trading App

RM500/Month for 30 Years = RM1.13M — via S&P 500 at 10% p.a.

Plus up to RM1,800 in new user rewards. SC Malaysia licensed. Invest in US, HK & Bursa stocks from one app.

Monthly DCA growth at 10% p.a. (S&P 500 hist avg)

Monthly	10 yrs	20 yrs	30 yrs
RM300/mo	RM61k	RM228k	RM678k
RM500/mo	RM102k	RM380k	RM1.13M
RM531/mo	RM109k	RM404k	RM1.2M

✅SC Malaysia licensed — regulated & safe
🎁Up to RM1,800 in new user rewards on sign-up
🌍US, HK & Bursa Malaysia stocks in one app

Open moomoo Account & Claim Rewards →

*Complete deposit & first trade via this link to track rewards · T&Cs apply · RM100 coupon ≥RM1,000 deposit · AAPL stock ≥RM30,000 deposit.

🛡️

Dah kira ansuran? Jangan lupa insurans kereta!

Bandingkan 15+ syarikat insurans di Bjak. Harga dari RM500/tahun. Renew dalam 5 minit.

Bandingkan Insurans Kereta →

Compare — Pick Your Insurer

✓ BNM licensed✓ No hidden fees✓ Quote in 2 min

🛡 Bjak6M+ users

⭐⭐⭐⭐⭐ 4.8(325,794 Google reviews)

✓16 insurers compared
✓Quote in under 2 minutes
✓BNPL 3/6/12 months available
✓VIP Road Assist — FREE roadside help
✓VIP Rescue — unlimited towing

Get 16 Free Quotes →

🎉 FREE ROAD TAX + RM25

Renew on Shopee

✓FREE Road Tax voucher (RM20–RM2,130+)
✓RM25 cashback — code PQPOJB
✓Up to 70% OFF ServAuto vouchers
✓SPayLater 12 months 0%
✓FREE Personal Accident coverage

Get Free Road Tax 🔗

Allianz · Zurich · Zurich Takaful · Ikhlas

Deposit RM100, Dapat RM25 — Pulangan 25% dalam 30 Hari

Download myASNB Ria, daftar akaun, dan masukkan kod rujukan semasa sign up. RM25 dikreditkan selepas anda deposit dan kekalkan RM100 dalam mana-mana portfolio Ria selama 30 hari (dalam 25 hari bekerja selepas pengesahan).

1️⃣Download app

2️⃣Daftar Ria

3️⃣Masukkan kod

Kod Rujukan:ZP3HXD

Google Play App Store

Apakah Sewa Beli (Hire Purchase)?

Sewa beli adalah kaedah pembiayaan kereta paling biasa di Malaysia. Bank membiayai pembelian kereta, dan anda bayar ansuran tetap bulanan. Berbeza dengan pinjaman perumahan, sewa beli guna flat rate.