{"id":37561,"date":"2021-10-21T16:43:57","date_gmt":"2021-10-21T08:43:57","guid":{"rendered":"https:\/\/www.iqiglobal.com\/blog\/?p=37561"},"modified":"2024-03-18T11:22:46","modified_gmt":"2024-03-18T03:22:46","slug":"mencari-pinjaman-perumahan-pada-tahun-2021-biar-kami-bantu","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/bm\/mencari-pinjaman-perumahan-pada-tahun-2021-biar-kami-bantu\/","title":{"rendered":"Mencari Pinjaman Perumahan Pada Tahun 2021? Biar Kami Bantu!"},"content":{"rendered":"\n

Berkeinginan untuk <\/span>m<\/span>encari<\/span> <\/span>rumah<\/span> <\/span>baru<\/span> di <\/span>pasaran<\/span> <\/span>tetapi<\/span> <\/span>tidak<\/span> <\/span>pasti<\/span> <\/span>pinjaman<\/span> mana yang <\/span>hendak<\/span> <\/span>dipilih? Kami faham, <\/span><\/span>m<\/span>embeli<\/span> <\/span>r<\/span>umah<\/span> <\/span>adalah<\/span> proses yang<\/span> sangat <\/span>merumitkan.<\/span><\/span><\/span><\/p>\n

Oleh itu, <\/span>marilah<\/span> <\/span>kita<\/span> <\/span>menguraikan<\/span> <\/span>jenis<\/span>-jenis<\/span> dan proses <\/span>gadai <\/span><\/span>janji <\/span><\/span>bagi<\/span> <\/span>membantu<\/span> <\/span>anda<\/span> <\/span>mencapai<\/span> pinjaman <\/span>yang paling bernilai untuk anda. <\/span><\/span><\/span><\/p>\n

<\/p>\n\n\n\n
\n
1. Apakah yang dimaksudkan dengan Pinjaman Perumahan? <\/a><\/strong><\/span><\/h5>\n
2. Berapakah jenis-jenis Pinjaman Perumahan? <\/a> <\/strong><\/span><\/h5>\n
\n
Pinjaman Asas <\/span><\/li>\n<\/ul>\n
\n
Pinjaman Semi-Fleksi <\/span><\/li>\n<\/ul>\n
\n
Pinjaman Fleksi <\/span><\/li>\n<\/ul>\n
3. Apakah Rancangan Belanjawan Anda? <\/strong><\/a><\/span><\/h5>\n\n
Periksa skor kredit anda <\/span><\/li>\n<\/ul>\n
\n
Pastikan kalkulator gadai janji sentiasa bersama anda <\/span><\/li>\n<\/ul>\n
4. Proses Memohon Pinjaman Perumahan <\/a><\/strong><\/span><\/h5>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
<\/p>\n
1. <\/a>Apakah Itu Pinjaman Perumahan? <\/strong><\/span><\/h3>\n
Apabila<\/span> <\/span>anda<\/span> <\/span>membuka<\/span> <\/span>kamus<\/span> dan <\/span>mencari<\/span> <\/span>definisi<\/span> <\/span>pinjaman<\/span> <\/span>pe<\/span>rumah<\/span>an<\/span> <\/span>atau<\/span> <\/span>gadai<\/span> <\/span>janji<\/span>, <\/span>ia<\/span> <\/span>akan <\/span><\/span><\/span>membawa<\/span> <\/span>maksud<\/span> <\/span>pinjaman<\/span> yang <\/span><\/span>diambil<\/span> <\/span>dari<\/span> bank <\/span>atau<\/span> <\/span>institusi<\/span> <\/span>kewangan<\/span><\/span><\/strong> <\/span>bagi<\/span> <\/span>membantu<\/span> <\/span>anda<\/span> <\/span>membeli<\/span>hartanah <\/span><\/span><\/span>pilihan<\/span> <\/span>anda<\/span>,<\/span> <\/span>sama<\/span> <\/span>ada<\/span> <\/span>kondominium<\/span> <\/span>di <\/span>Petaling<\/span> Jaya <\/span>mahupun<\/span> sebuah <\/span>banglo<\/span> di Setia <\/span>Alam<\/span>. <\/span><\/span> <\/span><\/span><\/p>\n
$\"\"$ Anda hanya perlu keluarkan bayaran modal pendahuluan sebanyak 10% daripada jumlah jualan harta tanah yang hendak dibeli dan membayar secara ansuran setiap bulan dengan mengambil pinjaman. <\/span><\/p>\n
Tetapi ingat!<\/strong> Terdapat kadar faedah yang dikenakan apabila anda melakukan bayaran ansuran bulanan; iaitu bayaran tambahan yang dikenakan kepada para peminjam. <\/span><\/p>\n
<\/p>\n
2. <\/a>Senarai Jenis-Jenis Pinjaman Perumahan yang Ada<\/span><\/strong><\/h3>\n
$\"\"$ Terdapat 3 jenis pinjaman perumahan utama yang ditawarkan di Malaysia iaitu pinjaman asas, pinjaman semi-fleksi, dan pinjaman fleksi. Setiap pinjaman ini mempunyai kelebihan dan kekurangan. <\/span><\/p>\n
\n
Pinjaman Asas – <\/b>Merupakan jadual pembayaran semula yang tetap dan tidak membenarkan pengurangan kadar faedah dengan bayaran lebihan. <\/span><\/li>\n<\/ul>\n\n
Pinjaman Semi-Fleksi – <\/b>Boleh membuat lebihan bayaran pada bila – bila masa untuk mengurangkan jumlah faedah yang dikenakan.  <\/span><\/li>\n<\/ul>\n\n
Pinjaman Fleksi – <\/b>Ia adalah serupa dengan pinjaman semi- fleksi, akan tetapi pinjaman ini dihubungkan dengan akaun semasa anda, dan jumlah pembayaran semula akan ditolak secara automatik pada setiap bulan.  <\/span><\/li>\n<\/ul>\n
<\/span><\/p>\n
3. <\/a>Nyatakan Rancangan Belanjawan Anda<\/span><\/strong><\/h3>\n
$\"\"$ <\/p>\n
a) Periksa skor kredit anda. <\/strong><\/span><\/h4>\n
Skor kredit<\/strong> adalah rekod prestasi seseorang mengenai kemampuan pembayarannya dan akan disemak oleh pemberi pinjaman bagi memutuskan sama ada peminjam itu layak atau tidak dalam memberi pinjaman baru atau kad kredit. <\/span><\/p>\n
Aspek skor kredit adalah sangat penting kerana ia merupakan “kad laporan kewangan” anda, yang akan disemak bagi memulakan permohonan pinjaman atau kad kredit. Oleh itu, apabila anda mempunyai skor kredit yang baik, ini akan dapat membantu anda terutamanya untuk mendapatkan gadai janji dan kadar faedah yang lebih baik. <\/span><\/p>\n
<\/h4>\nb) Pastikan kalkulator gadai janji sentiasa bersama anda <\/span><\/h4>\n
$\"\"$ Kalkulator gadai janji <\/strong>adalah kaedah yang lebih baik untuk anda menganggarkan kos pinjaman perumahan<\/span> bagi masa depan anda, seperti harga rumah, syarat pinjaman, wang pendahuluan dan lain – lain.  <\/span><\/p>\n
Contohnya, jika anda memilih jangka masa pinjaman yang lebih pendek, pembayaran anda akan lebih tinggi, tetapi bayaran kadar faedah sepanjang pinjaman tersebut akan berkurang.  <\/span><\/p>\n
Gunakan kalkulator di bawah untuk memulakan pengiraan anda. <\/span><\/p>\n
<\/span> $\"MortgageCalculator.org\"$ <\/a><\/span><\/p>\n
<\/iframe><\/span><\/p>\n<p> <\/p>\n<h3><strong><span style=\"color: #000000;\">4. <a id=\"malay4\"><\/a>Proses Memohon Pinjaman Perumahan <\/span><\/strong><\/h3>\n<p><span style=\"color: #000000;\">Setelah anda mengetahui jenis-jenis pinjaman yang anda inginkan dan berapa anggaran yang anda perlukan, anda boleh meneruskan kepada langkah yang lebih sukar iaitu memohon pinjaman perumahan.  <\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-37801\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/10\/shutterstock_1347013331-1024x683.jpg\" alt=\"\" width=\"1024\" height=\"683\"><span style=\"color: #000000;\">Baiklah! Tahap keyakinan anda untuk membeli rumah kini adalah 100% dan jumlah yang diinginkan adalah baik. Kini anda hanya perlu menyediakan dokumen yang diperlukan, iaitu merangkumi: <\/span><\/p>\n<p> <\/p>\n<ul>\n<li data-leveltext=\"\" data-font=\"Symbol\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span style=\"color: #000000;\">Salinan kad pengenalan \/ pasport <\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\" data-font=\"Symbol\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span style=\"color: #000000;\">Slip gaji anda <\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\" data-font=\"Symbol\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span style=\"color: #000000;\">Penyata akaun bank dan KWSP <\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\" data-font=\"Symbol\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span style=\"color: #000000;\">Resit cukai pendapatan <\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\" data-font=\"Symbol\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span style=\"color: #000000;\">Borang tempahan hartanah <\/span><\/li>\n<\/ul>\n<p> <\/p>\n<p><span style=\"color: #000000;\">Proses permohonan pinjaman perumahan boleh berlangsung dari <strong>2 hari sehingga seminggu,<\/strong> dan anda akan mengetahui sama ada pinjaman perumahan anda diluluskan atau tidak. <\/span><\/p>\n<p><span style=\"color: #000000;\">Sekiranya permohonan anda ditolak, anda perlu <strong>menunggu 3 – 6 bulan lagi<\/strong> sebelum menghantar permohonan baru. Oleh itu, kesabaran merupakan kunci utama dalam memastikan perjalanan anda mendapatkan pinjaman perumahan yang terbaik dikendalikan dengan lancar. <\/span><\/p>\n<p><span style=\"color: #000000;\">Semoga berjaya! <\/span><\/p>\n<hr>\n<p><strong><span style=\"color: #ff6600;\">Walaupun Malaysia menawarkan banyak pinjaman perumahan, untuk mencari pinjaman yang ideal, adalah sangat merumitkan. Jadi biarkan pasukan profesional kami membantu anda! <\/span><\/strong><\/p>\n<p><strong><span style=\"color: #ff6600;\">Silalah tinggalkan butiran-butiran anda dan kami akan membantu! <\/span><\/strong><\/p>\n<p> <\/p>\n\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 5699703,\n\t\t\t\t\t\t\t\t\tformId: \"85ebae59-f425-419b-a59d-3531ad1df948\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1775410766000-6188743715\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1775410766000-6188743715\"><\/div>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>Berkeinginan untuk mencari rumah baru di pasaran tetapi tidak pasti pinjaman mana yang hendak dipilih? Kami faham, membeli rumah adalah proses yang sangat merumitkan. Oleh itu, marilah kita menguraikan jenis-jenis dan proses gadai janji bagi membantu anda mencapai pinjaman yang paling bernilai untuk anda.    1. Apakah yang dimaksudkan dengan Pinjaman Perumahan?  2. Berapakah jenis-jenis Pinjaman Perumahan?   Pinjaman Asas  Pinjaman Semi-Fleksi  Pinjaman Fleksi  3. Apakah Rancangan Belanjawan Anda?  Periksa skor kredit anda  Pastikan kalkulator gadai janji sentiasa bersama anda  4. Proses Memohon Pinjaman Perumahan …<\/p>\n","protected":false},"author":39,"featured_media":37783,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[584],"tags":[],"class_list":["post-37561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jangkauan-pasaran"],"yoast_head":"\n<title>Mencari Pinjaman Perumahan Pada Tahun 2021? Biar Kami Bantu!<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/bm\/mencari-pinjaman-perumahan-pada-tahun-2021-biar-kami-bantu\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mencari Pinjaman Perumahan Pada Tahun 2021? Biar Kami Bantu!\" \/>\n<meta property=\"og:description\" content=\"Berkeinginan untuk mencari rumah baru di pasaran tetapi tidak pasti pinjaman mana yang hendak dipilih? Kami faham, membeli rumah adalah proses yang sangat merumitkan. Oleh itu, marilah kita menguraikan jenis-jenis dan proses gadai janji bagi membantu anda mencapai pinjaman yang paling bernilai untuk anda.    1. Apakah yang dimaksudkan dengan Pinjaman Perumahan?  2. Berapakah jenis-jenis Pinjaman Perumahan?   Pinjaman Asas  Pinjaman Semi-Fleksi  Pinjaman Fleksi  3. Apakah Rancangan Belanjawan Anda?  Periksa skor kredit anda  Pastikan kalkulator gadai janji sentiasa bersama anda  4. 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