Enter the car price, down payment, flat rate and tenure to estimate your monthly instalment.
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How Malaysian car loans are calculated
Hire purchase car loans in Malaysia use a flat interest rate. Interest is calculated on the full loan amount across the entire tenure, then divided by the number of months.
Monthly = (Loan + (Loan × Flat Rate × Years)) ÷ (Years × 12)
New vs used car rates
New cars typically enjoy lower flat rates (around 2.5%–3.5%), while used cars carry higher rates (often 4%–5%+). A longer tenure reduces the monthly payment but increases total interest significantly.
Selepas beli kereta, jangan lupa kos berterusan: roadtax dan insurans/takaful kereta. Bandingkan dulu untuk jimat.
Soalan Lazim (FAQ)
Berapa tempoh maksimum pinjaman kereta?
Sehingga 9 tahun di Malaysia. Tempoh panjang menurunkan ansuran bulanan tetapi meningkatkan jumlah faedah yang dibayar.
Adakah kadar kereta terpakai lebih tinggi?
Ya. Kereta terpakai biasanya dikenakan kadar rata lebih tinggi berbanding kereta baru kerana risiko nilai susut.
Bolehkah saya settle awal pinjaman kereta?
Boleh, tetapi kerana flat rate, penjimatan faedah untuk penyelesaian awal biasanya kecil berbanding pinjaman reducing balance.