{"id":69538,"date":"2025-10-24T15:20:25","date_gmt":"2025-10-24T07:20:25","guid":{"rendered":"https:\/\/mdroid.my\/cn\/?p=69538"},"modified":"2025-10-24T18:03:17","modified_gmt":"2025-10-24T10:03:17","slug":"malaysia-hire-purchase-law-2025-car-loan","status":"publish","type":"post","link":"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/","title":{"rendered":"\u5927\u9a6c2026\u5e74\u5b9e\u65bd\u8f66\u8d37\u65b0\u89c4\uff0c\u8282\u7701\u5229\u606f\u9ad8\u8fbe48%"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u6587\u7ae0\u76ee\u5f55<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69dcfcc1a015c\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69dcfcc1a015c\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/#%E5%A4%A7%E9%A9%AC2026%E5%B9%B4%E5%AE%9E%E6%96%BD%E8%BD%A6%E8%B4%B7%E6%96%B0%E8%A7%84%EF%BC%8C%E8%8A%82%E7%9C%81%E5%88%A9%E6%81%AF%E9%AB%98%E8%BE%BE48\" >\u5927\u9a6c2026\u5e74\u5b9e\u65bd\u8f66\u8d37\u65b0\u89c4\uff0c\u8282\u7701\u5229\u606f\u9ad8\u8fbe48%<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/#%F0%9F%92%A1_%E4%BB%8E%E2%80%9C%E5%B9%B3%E6%81%AF%E5%88%B6%E2%80%9D%E5%88%B0%E2%80%9C%E4%BD%99%E9%A2%9D%E9%80%92%E5%87%8F%E5%88%B6%E2%80%9D%EF%BC%9A%E9%80%8F%E6%98%8E%E5%8F%88%E5%85%AC%E5%B9%B3\" >&#x1f4a1; \u4ece\u201c\u5e73\u606f\u5236\u201d\u5230\u201c\u4f59\u989d\u9012\u51cf\u5236\u201d\uff1a\u900f\u660e\u53c8\u516c\u5e73<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/#%F0%9F%92%B0_%E4%B8%A4%E5%A4%A7%E7%9B%B4%E6%8E%A5%E5%A5%BD%E5%A4%84%EF%BC%9A%E8%BD%A6%E4%B8%BB%E5%AE%9E%E8%B4%A8%E6%80%A7%E8%8A%82%E7%9C%81\" >&#x1f4b0; \u4e24\u5927\u76f4\u63a5\u597d\u5904\uff1a\u8f66\u4e3b\u5b9e\u8d28\u6027\u8282\u7701<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/#1%EF%B8%8F%E2%83%A3_%E6%8F%90%E5%89%8D%E7%BB%93%E6%B8%85%E8%BD%A6%E8%B4%B7%E5%8F%AF%E6%98%BE%E8%91%97%E8%8A%82%E7%9C%81%E5%88%A9%E6%81%AF\" >1&#xfe0f;&#x20e3; \u63d0\u524d\u7ed3\u6e05\u8f66\u8d37\u53ef\u663e\u8457\u8282\u7701\u5229\u606f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/#2%EF%B8%8F%E2%83%A3_%E6%95%B4%E4%BD%93%E8%B4%B7%E6%AC%BE%E6%88%90%E6%9C%AC%E4%B8%8B%E9%99%8D\" >2&#xfe0f;&#x20e3; \u6574\u4f53\u8d37\u6b3e\u6210\u672c\u4e0b\u964d<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/#%F0%9F%9A%97_%E4%B8%8D%E5%BD%B1%E5%93%8D%E8%BD%A6%E4%BB%B7%EF%BC%8C%E4%BD%86%E6%94%B9%E5%8F%98%E8%B4%AD%E8%BD%A6%E2%80%9C%E6%80%BB%E6%88%90%E6%9C%AC%E2%80%9D\" >&#x1f697; \u4e0d\u5f71\u54cd\u8f66\u4ef7\uff0c\u4f46\u6539\u53d8\u8d2d\u8f66\u201c\u603b\u6210\u672c\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/#%F0%9F%93%85_%E6%94%BF%E7%AD%96%E4%BD%95%E6%97%B6%E7%94%9F%E6%95%88%EF%BC%9F\" >&#x1f4c5; \u653f\u7b56\u4f55\u65f6\u751f\u6548\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/#%F0%9F%93%88_%E6%80%BB%E7%BB%93%EF%BC%9A%E6%96%B0%E6%B3%95%E6%A1%88%E5%B0%86%E9%87%8D%E5%A1%91%E9%A9%AC%E6%9D%A5%E8%A5%BF%E4%BA%9A%E8%BD%A6%E8%B4%B7%E5%B8%82%E5%9C%BA\" >&#x1f4c8; \u603b\u7ed3\uff1a\u65b0\u6cd5\u6848\u5c06\u91cd\u5851\u9a6c\u6765\u897f\u4e9a\u8f66\u8d37\u5e02\u573a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/mdroid.my\/cn\/2025\/10\/24\/malaysia-hire-purchase-law-2025-car-loan\/#%E2%9C%85_%E7%BB%93%E8%AF%AD%EF%BC%9A%E6%B6%88%E8%B4%B9%E8%80%85%E6%9B%B4%E6%9C%89%E4%BF%9D%E9%9A%9C%EF%BC%8C%E8%BD%A6%E8%B4%B7%E6%9B%B4%E5%90%88%E7%90%86\" >&#x2705; \u7ed3\u8bed\uff1a\u6d88\u8d39\u8005\u66f4\u6709\u4fdd\u969c\uff0c\u8f66\u8d37\u66f4\u5408\u7406<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E5%A4%A7%E9%A9%AC2026%E5%B9%B4%E5%AE%9E%E6%96%BD%E8%BD%A6%E8%B4%B7%E6%96%B0%E8%A7%84%EF%BC%8C%E8%8A%82%E7%9C%81%E5%88%A9%E6%81%AF%E9%AB%98%E8%BE%BE48\"><\/span><span class=\"x3jgonx\">\u5927\u9a6c2026\u5e74\u5b9e\u65bd\u8f66\u8d37\u65b0\u89c4\uff0c\u8282\u7701\u5229\u606f\u9ad8\u8fbe48%<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"592\" data-end=\"748\">\u9a6c\u6765\u897f\u4e9a\u56fd\u4f1a\u5df2\u4e8e <strong data-start=\"601\" data-end=\"614\">2025\u5e7410\u6708\u521d<\/strong> \u901a\u8fc7\u5907\u53d7\u5173\u6ce8\u7684\u300aHire Purchase Amendment Bill 2025\u300b\uff08\u300a2025\u5e74\u5206\u671f\u4ed8\u6b3e\u4fee\u6b63\u6cd5\u6848\u300b\uff09\u3002<br data-start=\"675\" data-end=\"678\" \/>\u8fd9\u4e00\u6539\u9769\u88ab\u89c6\u4e3a\u672c\u5730\u6c7d\u8f66\u8d37\u6b3e\u5236\u5ea6\u6570\u5341\u5e74\u6765\u6700\u91cd\u5927\u7684\u53d8\u9769\u4e4b\u4e00\uff0c\u9884\u8ba1\u5c06\u5728 <strong data-start=\"711\" data-end=\"728\">2026\u5e74\u4e2d\u6216\u5e74\u5e95\u6b63\u5f0f\u751f\u6548<\/strong>\uff0c\u4e3a\u5168\u56fd\u65b0\u8f66\u4e3b\u5e26\u6765\u5b9e\u8d28\u6027\u7684\u5229\u606f\u8282\u7701\u3002<\/p>\n<hr data-start=\"750\" data-end=\"753\" \/>\n<h2 data-start=\"755\" data-end=\"783\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%A1_%E4%BB%8E%E2%80%9C%E5%B9%B3%E6%81%AF%E5%88%B6%E2%80%9D%E5%88%B0%E2%80%9C%E4%BD%99%E9%A2%9D%E9%80%92%E5%87%8F%E5%88%B6%E2%80%9D%EF%BC%9A%E9%80%8F%E6%98%8E%E5%8F%88%E5%85%AC%E5%B9%B3\"><\/span>&#x1f4a1; \u4ece\u201c\u5e73\u606f\u5236\u201d\u5230\u201c\u4f59\u989d\u9012\u51cf\u5236\u201d\uff1a\u900f\u660e\u53c8\u516c\u5e73<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"785\" data-end=\"895\">\u957f\u671f\u4ee5\u6765\uff0c\u9a6c\u6765\u897f\u4e9a\u8f66\u8d37\u5747\u91c7\u7528 <strong data-start=\"800\" data-end=\"820\">\u201c\u5e73\u606f\u5236\uff08Flat Rate\uff09\u201d<\/strong>\u3002\u5728\u8fd9\u79cd\u5236\u5ea6\u4e0b\uff0c\u8d37\u6b3e\u5229\u606f\u662f\u4ee5\u6700\u521d\u8d37\u6b3e\u672c\u91d1\u8ba1\u7b97\uff0c\u65e0\u8bba\u8d37\u6b3e\u4eba\u4f55\u65f6\u8fd8\u6e05\uff0c\u5229\u606f\u90fd\u56fa\u5b9a\u4e0d\u53d8\u3002<br data-start=\"861\" data-end=\"864\" \/>\u4e3e\u4f8b\u6765\u8bf4\uff0c\u5373\u4fbf\u4f60\u63d0\u65e9\u4e24\u5e74\u7ed3\u6e05\u8f66\u8d37\uff0c\u4e5f\u65e0\u6cd5\u663e\u8457\u8282\u7701\u5229\u606f\u6210\u672c\u3002<\/p>\n<p data-start=\"897\" data-end=\"991\">\u65b0\u4fee\u6cd5\u6848\u5219\u6539\u4e3a <strong data-start=\"905\" data-end=\"941\">\u201c\u4f59\u989d\u9012\u51cf\u5236\uff08Reducing Balance Method\uff09\u201d<\/strong>\u3002<br data-start=\"942\" data-end=\"945\" \/>\u8fd9\u610f\u5473\u7740\u5229\u606f\u5c06\u4ec5\u6839\u636e\u5c1a\u672a\u507f\u8fd8\u7684\u8d37\u6b3e\u4f59\u989d\u8ba1\u7b97\uff0c<br data-start=\"967\" data-end=\"970\" \/>&#x1f4c9; \u968f\u7740\u672c\u91d1\u51cf\u5c11\uff0c\u5229\u606f\u4e5f\u4f1a\u9010\u6e10\u4e0b\u964d\u3002<\/p>\n<p data-start=\"993\" data-end=\"1037\">\u8fd9\u79cd\u65b9\u5f0f\u5728\u56fd\u9645\u91d1\u878d\u4f53\u7cfb\u4e2d\u5df2\u88ab\u5e7f\u6cdb\u91c7\u7528\uff0c\u88ab\u8ba4\u4e3a\u66f4\u52a0 <strong data-start=\"1018\" data-end=\"1034\">\u5408\u7406\u3001\u900f\u660e\u4e14\u5bf9\u6d88\u8d39\u8005\u53cb\u597d<\/strong>\u3002<\/p>\n<p data-start=\"993\" data-end=\"1037\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-69543\" src=\"https:\/\/mdroid.my\/cn\/wp-content\/uploads\/2025\/10\/mt-car-loan-interest-rates-tips.jpg\" alt=\"\" width=\"750\" height=\"370\" title=\"\" srcset=\"https:\/\/mdroid.my\/cn\/wp-content\/uploads\/2025\/10\/mt-car-loan-interest-rates-tips.jpg 750w, https:\/\/mdroid.my\/cn\/wp-content\/uploads\/2025\/10\/mt-car-loan-interest-rates-tips-300x148.jpg 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<hr data-start=\"1039\" data-end=\"1042\" \/>\n<h2 data-start=\"1044\" data-end=\"1064\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%B0_%E4%B8%A4%E5%A4%A7%E7%9B%B4%E6%8E%A5%E5%A5%BD%E5%A4%84%EF%BC%9A%E8%BD%A6%E4%B8%BB%E5%AE%9E%E8%B4%A8%E6%80%A7%E8%8A%82%E7%9C%81\"><\/span>&#x1f4b0; \u4e24\u5927\u76f4\u63a5\u597d\u5904\uff1a\u8f66\u4e3b\u5b9e\u8d28\u6027\u8282\u7701<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 data-start=\"1066\" data-end=\"1089\"><span class=\"ez-toc-section\" id=\"1%EF%B8%8F%E2%83%A3_%E6%8F%90%E5%89%8D%E7%BB%93%E6%B8%85%E8%BD%A6%E8%B4%B7%E5%8F%AF%E6%98%BE%E8%91%97%E8%8A%82%E7%9C%81%E5%88%A9%E6%81%AF\"><\/span>1&#xfe0f;&#x20e3; \u63d0\u524d\u7ed3\u6e05\u8f66\u8d37\u53ef\u663e\u8457\u8282\u7701\u5229\u606f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1090\" data-end=\"1173\">\u5728\u65b0\u5236\u4e0b\uff0c\u5982\u679c\u8f66\u4e3b\u9009\u62e9\u63d0\u524d\u6e05\u8fd8\u8d37\u6b3e\uff0c\u4ed6\u4eec\u53ea\u9700\u652f\u4ed8\u81f3\u8fd8\u6b3e\u65e5\u4e3a\u6b62\u7684\u5b9e\u9645\u5229\u606f\uff0c<strong data-start=\"1126\" data-end=\"1141\">\u4e0d\u518d\u88ab\u9501\u5b9a\u4e8e\u603b\u5229\u606f\u7ed3\u6784<\/strong>\u3002<br data-start=\"1142\" data-end=\"1145\" \/>\u8fd9\u5bf9\u4e8e\u7ecf\u5e38\u63d0\u524d\u8fd8\u6b3e\u7684\u6d88\u8d39\u8005\u6765\u8bf4\uff0c\u5c06\u662f\u4e00\u7b14\u4e0d\u5c0f\u7684\u8282\u7701\u3002<\/p>\n<h3 data-start=\"1175\" data-end=\"1193\"><span class=\"ez-toc-section\" id=\"2%EF%B8%8F%E2%83%A3_%E6%95%B4%E4%BD%93%E8%B4%B7%E6%AC%BE%E6%88%90%E6%9C%AC%E4%B8%8B%E9%99%8D\"><\/span>2&#xfe0f;&#x20e3; \u6574\u4f53\u8d37\u6b3e\u6210\u672c\u4e0b\u964d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1194\" data-end=\"1271\">\u5373\u4f7f\u5728\u76f8\u540c\u7684\u540d\u4e49\u5229\u7387\u4e0b\uff0c\u4f59\u989d\u9012\u51cf\u5236\u7684\u603b\u5229\u606f\u901a\u5e38\u6bd4\u5e73\u606f\u5236\u66f4\u4f4e\u3002<br data-start=\"1224\" data-end=\"1227\" \/>\u4f8b\u5982\uff0c\u4e00\u7b14\u5e74\u5229\u73873%\u30015\u5e74\u671f\u7684\u8d37\u6b3e\uff0c\u5728\u5e73\u606f\u5236\u4e0b\u8ba1\u7b97\u7684\u603b\u5229\u606f\u8fdc\u9ad8\u4e8e\u4f59\u989d\u9012\u51cf\u5236\u4e0b\u7684\u7ed3\u679c\u3002<\/p>\n<p data-start=\"1273\" data-end=\"1332\">\u6839\u636e Threads \u4e0a\u7528\u6237\u7684\u4f30\u7b97\uff0c\u5982\u679c\u94f6\u884c\u4ee5 3% \u7edf\u4e00\u5229\u7387\u8ba1\u7b97\uff0c<br data-start=\"1307\" data-end=\"1310\" \/>&#x1f4ca; \u5229\u606f\u8282\u7701\u5e45\u5ea6\u53ef\u8fbe <strong data-start=\"1322\" data-end=\"1329\">48%<\/strong>\uff01<\/p>\n<p data-start=\"1334\" data-end=\"1367\">\u4ee5\u6700\u53d7\u6b22\u8fce\u7684\u56fd\u6c11\u8f66\u578b <strong data-start=\"1345\" data-end=\"1361\">Perodua Myvi<\/strong> \u4e3a\u4f8b\uff1a<\/p>\n<ul data-start=\"1368\" data-end=\"1439\">\n<li data-start=\"1368\" data-end=\"1393\">\n<p data-start=\"1370\" data-end=\"1393\">\u65e7\u5236\u4e0b\u603b\u5229\u606f\u7ea6 <strong data-start=\"1378\" data-end=\"1391\">RM11,000+<\/strong><\/p>\n<\/li>\n<li data-start=\"1394\" data-end=\"1439\">\n<p data-start=\"1396\" data-end=\"1439\">\u65b0\u5236\u4e0b\u5219\u4ec5\u9700\u7ea6 <strong data-start=\"1404\" data-end=\"1416\">RM5,300+<\/strong><br data-start=\"1416\" data-end=\"1419\" \/>\u5dee\u8ddd\u63a5\u8fd1\u4e00\u534a\uff0c\u53ef\u8c13\u65b0\u8f66\u4e3b\u7684\u91cd\u5927\u5229\u597d\u3002<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"1441\" data-end=\"1444\" \/>\n<h2 data-start=\"1446\" data-end=\"1470\"><span class=\"ez-toc-section\" id=\"%F0%9F%9A%97_%E4%B8%8D%E5%BD%B1%E5%93%8D%E8%BD%A6%E4%BB%B7%EF%BC%8C%E4%BD%86%E6%94%B9%E5%8F%98%E8%B4%AD%E8%BD%A6%E2%80%9C%E6%80%BB%E6%88%90%E6%9C%AC%E2%80%9D\"><\/span>&#x1f697; 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