Covid-19 BNM umum moratorium pinjaman dikenakan faedah?Bingung?Post 1 untuk maklumat terkini

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KUALA LUMPUR: Bermula esok, peminjam sewa beli dan pembiayaan Islam berkadar tetap akan menerima notis pemberitahuan proses penangguhan pembayaran susulan pelaksanaan moratorium selama enam bulan yang diumumkan Bank Negara Malaysia (BNM) sebelum ini.

Notis akan diberikan melalui khidmat pesanan ringkas (SMS), e-mel atau surat berdaftar daripada institusi perbankan masing-masing berhubung dengan langkah yang perlu diambil bagi menyempurnakan proses terbabit.

Institusi perbankan juga akan menyediakan maklumat terperinci kepada setiap peminjam mengenai perubahan yang dibuat terhadap perjanjian pinjaman sewa beli atau pembiayaan Islam berkadar tetap.


Maklumat mengandungi jadual pembayaran balik semakan dan apa-apa perubahan terhadap jumlah pembayaran, yang meliputi jumlah kadar faedah atau keuntungan biasa yang terakru sepanjang tempoh moratorium.

BNM dalam satu kenyataan berkata, susulan daripada pengumuman pada 25 Mac 2020 lalu, institusi perbankan sedang dalam proses memformalkan perjanjian.

Bank pusat berkata, ini adalah bagi mencerminkan semakan terhadap syarat pembayaran balik dengan peminjam yang mempunyai pinjaman sewa beli dan pembiayaan Islam berkadar tetap bagi pelaksanaan moratorium enam bulan.

"Langkah ini adalah bagi memenuhi keperluan prosedur di bawah Akta Sewa Beli 1967 dan keperluan Syariah yang terpakai bagi apa-apa perubahan yang dibuat terhadap syarat perjanjian terbabit, termasuk perubahan kepada jadual pembayaran atau jumlah pembayaran berikutan moratorium.

"Sehubungan dengan itu, BNM telah meminta institusi perbankan untuk mengambil langkah yang perlu bagi memastikan peminjam diberikan maklumat yang jelas mengenai proses dan perubahan terhadap syarat perjanjian, selain menetapkan cara paling sesuai dan mudah untuk memuktamadkan perjanjian dalam tempoh Perintah Kawalan Pergerakan (PKP)," katanya dalam satu kenyataan.




1- login m2u, check option ,
5sRCbn.png

2- nak tangguh
(deferment)
nak sambung bayar macam biasa (continue payment)

3-Penerangan semasa
vZKrV6T.png


4-Penerangan berjadual
Klik sini



1-Untuk sewa beli kenderaan
IMG_20200513_103820.jpg

2- Pemulangan semula pembiayaan peribadi sektor awam

3- Panduan ringkas untuk individu
Klik sini

1- Infografik
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2.png
3.png
4.png


2- Penerangan berjadual dari KFH
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1- Isi borang sebelum 15 June 2020, untuk membuat penangguhan pembayaran sewa beli
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2- Penerangan berjadual ringkas


For Customers Who Choose NOT TO PARTICIPATE (OPT OUT)For Customers Who choose to PARTICIPATE (OPT IN)
Only For Hire Purchase /Hire Purchase-iContinue to make repayments/payments as usual.

If you choose not to participate after taking the loan/financing deferment in April and May, please arrange to make repayments/payments for the month of April and May before the 30th of September 2020, to avoid late charges and your account going into arrears.
Provide your consent to HLB/HLISB by 15 June 2020 via a consent, which will be available 8 May 2020.

If you don’t provide your consent to participate by 15 June 2020, you will need to make repayments/payments on the due date starting June 2020 to avoid late/compensation charges.

For Other Loans/Financing-i ProductsFor Customers Who Choose NOT TO PARTICIPATE (OPT OUT)For Customers Who Choose to PARTICIPATE (OPT IN)
No Standing InstructionsContinue to make repayments/payments as usualStop making repayments/payments for 6 months from April 1, 2020 to September 30, 2020
With Standing Instructions Initiated by HLB/HLISBPlease fill in the form here to OPT OUT and have your SI reinstatedNo action needed. Your repayments/payments will be automatically stopped for 6 months from April 1, 2020 and automatically reinstated on October 1, 2020
With Standing Instructions Initiated by Customers on Connect Online BankingNo action needed. Your repayments/payments will continue as per normalYou will need to change your standing instruction(s) through Connect Online Banking should you wish to defer your loan/financing instalments.

Please remember to effect a new standing instruction for your repayments/payments before October 1, 2020 so that your repayments/payments are kept up to date after the moratorium ends.
With Standing Instructions Initiated by Customers with Other BanksPlease amend the SI with the respective Banks
Credit Card Customers
We will be offering our credit card customers the option to convert their outstanding balances into term loans through the Credit Card Relief Conversion Plan. Customers have the option to opt-in for a 36-month instalment plan at an effective interest rate of 13% p.a. (Flat interest rate 7.1% p.a.)

Corporate Customers
Corporate customers
can apply for loan / financing deferment through their Relationship Managers and will be evaluated on a case-by-case basis.


3-Penerangan berjadual Sewa beli
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4-Penerangan berjadual pinjaman hartanah
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1- Penerangan berjadual
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1- Isi borang sebelum 30 May 2020, untuk penangguhan pembayaran
Klik sini

2- Soalan Lazim & jawapan
Klik sini

1-Penerangan berjadual
Klik sini
 

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dausbiz

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Syukur pada Allah

Dapat ringankan banyak bebanan rakyat
 

anbusan

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HP customers who choose to take up the moratorium will have the option to pay the accumulated six months' deferred instalments together with their October instalment without being charged any additional interest.

They also have the option to continue the repayment of these instalments post October through an extension of six months in the repayment period after the original maturity date. In this case, interest based on the contractual rate will be charged on the amount of deferred instalments that remains outstanding until the instalments are fully repaid, which should be by the end of the extended six-month tenure.



serupa bayo je la kot, kalau tak interest jalan. member aku loan rumah die cimb da kene charge interest 1k lebih haha
 

puyol

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Haha. Bank u turn jugak ning. Tak dapat cari makang kot masa moratorium.
 

akudotcom

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Haaa tepukk..

23-D45-C7-C-9-CCD-4977-BADA-545-CA341327-C.jpg


..dahi

nak bayau gaji staf kot
 

Laici

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pakat U turn la..u turn last minit pulak tu, esok berkuatkuasa hari ni orang ramai baru dapat info... memang jilaker perangai..
 
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