{"id":31294,"date":"2022-08-24T06:33:19","date_gmt":"2022-08-23T22:33:19","guid":{"rendered":"https:\/\/carsome.my\/news\/item\/bayaran-pinjaman-kereta"},"modified":"2023-05-03T16:36:37","modified_gmt":"2023-05-03T08:36:37","slug":"bayaran-pinjaman-kereta","status":"publish","type":"post","link":"https:\/\/www.carsome.my\/news\/item\/bayaran-pinjaman-kereta","title":{"rendered":"Wajib Tahu! Berapa Banyak Sepatutnya Anda Bayar Ansuran Kereta?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u201cPermohonan pinjaman anda telah diluluskan!\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ayat ni paling ditunggu-tunggu oleh mereka yang dah mohon pinjaman untuk membeli kereta. Tapi kan, anda sedar tak apa akan jadi kalau bayaran bulanan untuk kereta idaman anda tu dah terlebih daripada bajet anda?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Baru-baru ni, para netizen gempar apabila seorang lelaki mendakwa permohonan pinjamannya untuk membeli sebuah Perodua Alza model baharu telah diluluskan dengan bayaran bulanan lebih daripada RM900\/bulan. Lagi mengejutkan apabila pendapatannya cuma RM1,500 sebulan. Itu bermakna dia dah belanjakan lebih 60 peratus gajinya untuk bayar ansuran keretanya!\u00a0<\/span><\/p>\n<p><strong>Artikel berkaitan: <\/strong><strong><span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/www.carsome.my\/news\/item\/beli-kereta-keluarga\">Belanjawan Bijak: Membeli Kereta Keluarga Pertama Anda<\/a><\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Kalau bayaran ansuran bulanan kereta lebih 30 peratus daripada gaji anda, itu sangat-sangat tidak sihat untuk kewangan anda.\u00a0 Kalau anda nak tahu, ini merupakan antara tips boleh digunakan untuk merancang bayaran ansuran bulanan kereta anda.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-28092 size-full\" src=\"https:\/\/carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1.jpg\" alt=\"car installment planning\" width=\"2121\" height=\"1414\" srcset=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1.jpg 2121w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1-300x200.jpg 300w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1-1024x683.jpg 1024w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1-768x512.jpg 768w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1-1536x1024.jpg 1536w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1-2048x1365.jpg 2048w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1-150x100.jpg 150w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1-696x464.jpg 696w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1-1068x712.jpg 1068w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-591850812-1-1920x1280.jpg 1920w\" sizes=\"(max-width: 2121px) 100vw, 2121px\" \/><\/p>\n<h2><b>Lebihkan Bayaran Deposit\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Bayaran deposit yang lebih banyak boleh mengurangkan bayaran ansuran bulanan. Katakanlah anda bayar deposit sekurang-kurangnya 20 peratus, ia akan mengurangkan bayaran bulanan untuk masa yang akan datang jadi dah tak banyak hutang yang anda kena bayar.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sebagai contoh, katakanlah anda nak beli Perodua <\/span><span style=\"font-weight: 400;\">Alza 1.5L AV D-CVT yang baharu. Berdasarkan laman web rasmi Perodua, harganya adalah RM75,500. Kalau anda bayar deposit sebanyak 10 peratus iaitu RM7,550 dengan tempoh pinjaman selama 7 tahun dan kadar faedah sebanyak 3.5 peratus, bayaran bulanan anda adalah sebanyak RM1,007.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tapi kalau bayar deposit sebanyak 20 peratus iaitu sebanyak RM15,100 dengan tempoh pinjaman selama 7 tahun dan kadar faedah 3.5 peratus, bayaran ansuran bulanan akan jatuh kepada RM895. Kat situ anda dah jimat sebanyak RM112 sebulan untuk bayaran ansuran kereta anda.\u00a0<\/span><\/p>\n<h2><b>Guna Peraturan 20\/7\/20 Untuk Tahu Jumlah Ansuran Yang Anda Boleh Bayar<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Satu lagi cara untuk anda tahu jumlah ansuran bulanan yang sesuai dengan bajet anda adalah dengan gunakan peraturan 20\/7\/20.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ini caranya untuk anda gunakan peraturan 20\/7\/20:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Bayaran deposit 20 peratus<\/b><span style=\"font-weight: 400;\">: Biasanya bayaran deposit untuk beli kereta adalah sebanyak 10 peratus tetapi kalau anda boleh bayar 20 peratus deposit, bayaran bulanan anda akan jadi lebih rendah.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Tempoh Pinjaman 7 tahun<\/b><span style=\"font-weight: 400;\">: Tempoh pinjaman 9 tahun nampak macam menarik tapi sebenarnya kalau kita tambahkan semua bayaran faedah, anda sebenarnya bayar lebih banyak daripada yang sepatutnya. Kerana itulah lebih baik kalau anda boleh buat pinjaman untuk tempoh tujuh atau lima tahun kalau anda mampu.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Bayaran ansuran cuma 20 peratus daripada gaji bulanan<\/b><span style=\"font-weight: 400;\">: Pastikan bayaran ansuran bulanan kereta anda tak lebih 20 peratus daripada gaji bulanan anda. Ini penting untuk kewangan dan juga untuk kekalkan skor kredit anda.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Kalau anda nak lagi faham, jom kita tengok pilihan pembiayaan untuk model terpakai Perodua Alza SE 1.5 daripada Carsome yang berharga RM46,400. Dengan deposit 20 peratus sebanyak RM9,253 dengan tempoh pinjaman selama 7 tahun, bayaran bulanannya cuma sebanyak RM551.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-28097 size-full\" src=\"https:\/\/carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot-4.png\" alt=\"estimated budget\" width=\"1314\" height=\"304\" srcset=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot-4.png 1314w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot-4-300x69.png 300w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot-4-1024x237.png 1024w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot-4-768x178.png 768w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot-4-150x35.png 150w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot-4-696x161.png 696w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/Screenshot-4-1068x247.png 1068w\" sizes=\"(max-width: 1314px) 100vw, 1314px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Kalau gaji anda RM3,000 sebulan, asingkan saja 20 peratus iaitu sebanyak RM600. Ini pun dah cukup untuk bayaran ansuran bulanan dan siap ada baki lagi untuk perbelanjaan lain seperti servis kereta, insurans, atau cukai jalan.\u00a0<\/span><\/p>\n<h2><b>Bayaran Lain Yang Orang Selalu Terlupa<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Bila anda memiliki kereta, anda kena sentiasa bersedia untuk keluarkan duit lebih untuk bayar benda lain selain daripada bayaran ansuran bulanan seperti servis kereta, insurans, dan cukai jalan.\u00a0<\/span><\/p>\n<h3><b>1. Pembaharuan Cukai Jalan\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Hanya kereta yang ada cukai jalan saja yang boleh dipandu di atas jalan. Bayaran cukai jalan pula berbeza mengikut jenis kenderaan, kapasiti enjin dan sama ada ia kenderaan persendirian atau kenderaan komersial.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kalau nak tahu lebih lanjut, anda boleh rujuk jadual berikut untuk tahu berapa banyak cukai jalan yang anda kena bayar di Malaysia:\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Kapasiti Enjin (CC)<\/b><\/td>\n<td><b>Kadar Rata<\/b><\/td>\n<td><b>Kadar Kenaikan (Mengikut CC)<\/b><\/td>\n<td><b>Jumlah Cukai Jalan<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1,000 dan ke bawah<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM20<\/span><\/td>\n<td><span style=\"font-weight: 400;\">&#8211;<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM20<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1,001 &#8211; 1,200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM55<\/span><\/td>\n<td><span style=\"font-weight: 400;\">&#8211;<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM55<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1,201 &#8211; 1,400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM70<\/span><\/td>\n<td><span style=\"font-weight: 400;\">&#8211;<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM70<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1,401 &#8211; 1,600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM90<\/span><\/td>\n<td><span style=\"font-weight: 400;\">&#8211;<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM90<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1,601 &#8211; 1,800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM0.40<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM200 &#8211; RM280<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1,801 &#8211; 2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM280<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM0.50<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM280 &#8211; RM380<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2,001 &#8211; 2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM380<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM1.00<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM381 &#8211; RM880<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2,501 &#8211; 3,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM880<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM2.50<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM882 &#8211; RM2,130<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3,001 dan ke atas<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM2,130<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM4.00<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RM2,134 dan ke atas.\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: center;\"><em><span style=\"font-weight: 400;\">Kadar cukai jalan untuk kenderaan persendirian di Semenanjung Malaysia.\u00a0<\/span><\/em><\/p>\n<p><span style=\"font-weight: 400;\">Memandu tanpa cukai jalan merupakan satu kesalahan jenayah dan anda wajib memperbaharui cukai jalan anda setiap tahun. Kegagalan untuk berbuat demikian boleh dikenakan denda sehingga RM3,000 mengikut Seksyen 14(4) Akta Pengangkutan Jalan Raya 1987.\u00a0<\/span><\/p>\n<h3><b>2. Insurans Kereta\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Anda tak boleh perbaharui cukai jalan kereta anda kalau kereta anda tak dilindungi insurans. Insurans merupakan keperluan wajib untuk pemilik kereta. Ada pelbagai produk insurans kereta yang boleh anda pilih tetapi sangat penting untuk pilih polisi insurans yang memberikan perlindungan terbaik bagi kenderaan anda.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kalau anda tak tahu mana satu polisi insurans yang terbaik untuk anda, CARSOME kini boleh membantu anda memilih polisi insurans yang sesuai dengan <\/span><strong><a href=\"https:\/\/www.carsome.my\/car-insurance\"><span style=\"color: #ff9900;\">Insurans Motor CARSOME Capital<\/span><\/a><\/strong><span style=\"font-weight: 400;\"><strong>.<\/strong> Kami akan bantu anda untuk membeli dan mendapatkan sebut harga insurans dengan segera serta pembaharuan cukai jalan dengan mudah.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-28043 size-full\" src=\"https:\/\/carsome.my\/news\/wp-content\/uploads\/2023\/05\/GettyImages-157286698-scaled-1.jpg\" alt=\"Torque to tow vehicles\" width=\"2560\" height=\"1429\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Memandu tanpa insurans merupakan satu kesalahan jalan raya yang\u00a0 boleh dikenakan denda sehingga RM1,000 di bawah Akta Pengangkutan Jalan Raya 1987. Kalau anda terlibat dengan kemalangan, anda terpaksa bayar segala kerosakan dan rawatan menggunakan duit anda sendiri.\u00a0<\/span><\/p>\n<p><strong>Artikel berkaitan: <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/www.carsome.my\/news\/item\/cara-kira-semak-renew-jenis-insurans-kereta-terbaik-malaysia\">Beli Kereta Baru Tapi Tak Tahu Cara Pilih Insurans Kereta Terbaik? Info Lengkap Insurans Kereta Di Sini<\/a><\/span><\/strong><\/p>\n<h3><b>3. Kos Servis Kereta\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Servis kereta secara berkala penting supaya kereta boleh sentiasa berfungsi dengan baik dan boleh bertahan lama. Ia juga untuk mengelakkan kereta anda daripada selalu rosak. Berikut merupakan contoh pengiraan anggaran kos servis kereta.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ambil contoh Perodua Alza yang baharu. Berdasarkan penyenaraian harga khidmat lepas jualan Perodua, berikut merupakan kos servis penyelenggaraan bagi model tersebut:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>10,000KM<\/b><span style=\"font-weight: 400;\"> \u2013 RM186.40<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>20,000KM &amp; 60,000KM<\/b><span style=\"font-weight: 400;\"> \u2013 RM297.81<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>30,000KM, 50,000KM, 70,000KM &amp; 90,000KM<\/b><span style=\"font-weight: 400;\"> \u2013 RM236.86<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>40,000KM &amp; 80,000KM<\/b><span style=\"font-weight: 400;\"> \u2013 RM398.90<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>100,000KM<\/b><span style=\"font-weight: 400;\"> \u2013 RM633.61<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Kebanyakan pengeluar kereta di Malaysia menganggarkan jarak perbatuan tahunan purata bagi seorang pemandu biasa adalah sebanyak 20,000km. Jadi, ia akan mengambil masa kira-kira 60 bulan untuk kereta anda mengikuti jadual servis penyelenggaraan berkala sehingga 100,000km.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-27767 size-full\" src=\"https:\/\/carsome.my\/news\/wp-content\/uploads\/2023\/05\/GettyImages-852475670-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1482\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Kalau dibahagikan kos keseluruhan penyelenggaraan sebanyak RM3,160.87 dengan tempoh 60 bulan &#8211; anda perlu simpan sebanyak RM52.70 setiap bulan untuk menampung kos servis Perodua Alza. Itu belum kira lagi kos-kos alat ganti lain yang mungkin perlu ditukar seperti pad brek, tayar, tali sawat, dan macam-macam lagi.\u00a0<\/span><\/p>\n<p><strong>Artikel berkaitan: <\/strong><strong><a href=\"https:\/\/www.carsome.my\/news\/item\/alat-ganti-spare-part-kereta\"><span style=\"color: #ff9900;\">Kereta Rosak? Kos Alat Ganti atau Spare Part Kereta yang Perlu Anda Tahu<\/span><\/a><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Kereta anda perlu diservis secara berkala untuk mengelakkan ia selalu rosak dan boleh mendatangkan bahaya kepada anda. Jadi, penting untuk anda memilih kereta yang sesuai dengan gaji untuk mengelakkan anda daripada terjebak dalam masalah kewangan di masa akan datang.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Diharapkan panduan ini boleh membantu anda untuk merancang bayaran ansuran bulanan bagi pembelian kereta anda nanti.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cPermohonan pinjaman anda telah diluluskan!\u201d Ayat ni paling ditunggu-tunggu oleh mereka yang dah mohon pinjaman untuk membeli kereta. Tapi kan, anda sedar tak apa akan jadi kalau bayaran bulanan untuk kereta idaman anda tu dah terlebih daripada bajet anda?\u00a0 Baru-baru ni, para netizen gempar apabila seorang lelaki mendakwa permohonan pinjamannya untuk membeli sebuah Perodua Alza [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":28183,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[116,46],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ini Jumlah Sebenar Ansuran Kereta Yang Sepatutnya Anda Bayar.<\/title>\n<meta name=\"description\" content=\"Sebelum nak beli kereta, pastikan anda dah tahu berapa banyak anda boleh bayar untuk ansuran bulanan kereta anda.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.carsome.my\/news\/item\/bayaran-pinjaman-kereta\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ini Jumlah Sebenar Ansuran Kereta Yang Sepatutnya Anda Bayar.\" \/>\n<meta property=\"og:description\" content=\"Sebelum nak beli kereta, pastikan anda dah tahu berapa banyak anda boleh bayar untuk ansuran bulanan kereta anda.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.carsome.my\/news\/item\/bayaran-pinjaman-kereta\" \/>\n<meta property=\"og:site_name\" content=\"Carsome Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-23T22:33:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-03T08:36:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/2022\/08\/GettyImages-1389868246-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2121\" \/>\n\t<meta property=\"og:image:height\" content=\"1414\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Haziq Asyraf\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Haziq Asyraf\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.carsome.my\/news\/item\/bayaran-pinjaman-kereta#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.carsome.my\/news\/item\/bayaran-pinjaman-kereta\"},\"author\":{\"name\":\"Haziq Asyraf\",\"@id\":\"https:\/\/www.carsome.my\/news\/#\/schema\/person\/b2f11f46a4c1796e0fe4d47241cd9c59\"},\"headline\":\"Wajib Tahu! 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