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Kalkulator Sewa Beli Kereta Malaysia 2026

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

Maklumat Kereta

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
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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.

Soalan Lazim (FAQ)

Berapa ansuran kereta RM80,000?
Dengan 10% deposit, pinjaman RM72,000 pada flat rate 3% selama 7 tahun: ansuran ~RM1,113/bulan. Jumlah faedah: RM15,120.
Apa beza flat rate dan reducing rate?
Flat rate: faedah dikira atas jumlah pinjaman penuh. Reducing rate: faedah dikira atas baki yang berkurang. Flat rate 3% setara reducing rate ~5.4%.
Berapa lama tempoh sewa beli kereta?
Maksimum 9 tahun (108 bulan). Popular: 5-7 tahun. Lebih panjang = ansuran rendah tetapi jumlah faedah lebih tinggi.

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