Panduan
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Panduan kewangan Malaysia
Panduan bersumber untuk keputusan wang di Malaysia. Dikemas kini bila peraturan berubah.
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Kos Perkahwinan Malaysia 2026: Katering, Cukai Perkhidmatan, dan Peruntukan Lebihan
Belanjawan perkahwinan Malaysia 500 tetamu yang praktikal dengan katering, tempat, caj vendor, Cukai Perkhidmatan F&B 6%, kos tambahan berasingan, dan peruntukan lebihan yang realistik.
Panduan Lengkap Duti Setem Malaysia 2026: Kadar, Pengecualian & Kalkulator
Semua yang anda perlu tahu tentang duti setem di Malaysia 2026 — kadar MOT, duti setem perjanjian pinjaman, pengecualian pembeli kali pertama, dan contoh kiraan penuh untuk hartanah RM500k.
Penyelesaian Awal Rule of 78: Penalti yang Mungkin Anda Bayar
Jika pinjaman kereta anda ditandatangani sebelum 1 Jun 2026, Rule of 78 masih mengira rebat penyelesaian awal anda — dan ia membebankan wang anda. Berikut formula, apa yang anda sebenarnya dapat balik berbanding garis lurus, dan contoh kiraan RM60,000.
Personal Loan Early Settlement in Malaysia: Fees, Rebates and What Changes in 2027
Settling a personal loan early? What you actually save depends on how your lender calculates interest, and the rules change on 1 January 2027. Here is what to check.
Zakat Pendapatan Selangor: Cara Kira dan Contoh Pengiraan
Semak nisab, had kifayah dan contoh pengiraan zakat pendapatan Selangor. Gunakan kalkulator untuk mendapatkan anggaran sebelum membayar kepada LZS.
Flat Rate vs Effective Rate: The Math Banks Don't Always Show You
A 2.5% flat-rate car loan actually costs ~4.9% effective. Here's the formula, the IRR-based approximation, and why the same headline rate means very different things on different loan products.
Wedding Cost Malaysia 2026: Catering, Service Tax, and Budget Buffer
A practical 500-pax Malaysian wedding budget with catering, venue, vendor charges, 6% F&B Service Tax, separate add-on costs, and a realistic contingency buffer.
ASB vs ASN vs ASW: The 2026 ASNB Fund Picker
ASB pays Bumiputera 5.75 sen/unit. ASW doesn't exist anymore — it's ASM 2 Wawasan. ASN Equity returns 23-33%. Here's how the ASNB fixed-price and variable-price funds compare in 2026, with a 20-year compound projection.
Bayaran Balik PTPTN 2026: Diskaun, Pengecualian, dan Sekatan Perjalanan
Dari diskaun penyelesaian 10-20% kepada pengecualian baharu untuk graduan B40 berkelulusan kelas pertama dan sekatan perjalanan ke luar negara untuk peminjam ingkar — semua pilihan bayaran balik PTPTN 2026, dijelaskan dengan contoh kerja RM45,000.
DSR Explained: How Malaysian Banks Actually Decide Your Housing Loan
Debt Service Ratio is the single number that decides whether your housing loan gets approved. Here's the formula banks use, the 60-70% threshold most banks treat as the ceiling, and a worked example for an RM8,000 income earner with existing debt.
EPF Rates 2026: The Employee + Employer Split, Explained
How much you pay, how much your employer pays, and how to push more in voluntarily — the complete 2026 picture for EPF (KWSP) contributions, including the new i-Saraan Plus for gig workers.
HP Act 2026: What Changes for Your Car Loan from June 1
From 1 June 2026, the Hire-Purchase (Amendment) Act 2026 abolishes the Rule of 78 and flat-rate interest for new car loans. Here's what changes, what stays, and how to compare offers under the new reducing-balance method.
MRTA vs MLTA: Which Mortgage Insurance Should You Take?
MRTA is cheaper. MLTA pays your family. Both are mortgage insurance. Here's the difference, the takaful equivalents (MRTT/MLTT), and a worked example for an RM500,000 loan at age 35.
Nisab 2026 in Malaysia: Per-State Lookup for Zakat on Savings
Nisab is the threshold above which zakat becomes obligatory. It changes every year with the gold price and varies between Malaysian states. Here's the 2026 nisab, why states differ, and how to calculate your zakat on savings.
Nisab Zakat 2026 di Malaysia: Senarai Mengikut Negeri untuk Zakat Wang Simpanan
Nisab ialah had ambang kekayaan yang mewajibkan zakat. Ia berubah setiap tahun mengikut harga emas dan berbeza antara negeri. Berikut nisab 2026, sebab perbezaan antara negeri, dan cara mengira zakat wang simpanan.
PTPTN Repayment in 2026: Discounts, Free Conversion, and the Travel Ban
From the 10-20% settlement discount to the new B40 / First-Class free conversion and the reinstated overseas travel ban for defaulters — every Malaysian PTPTN repayment option in 2026, explained with a worked RM45,000 example.
Rule of 78 Early Settlement: The Penalty You're Probably Paying
If your car loan was signed before 1 June 2026, Rule of 78 is still calculating your early-settlement rebate — and it's costing you money. Here's the formula, what you actually get back vs straight-line, and a worked RM60,000 example.
Tax Reliefs Most Malaysians Miss — YA 2025 Filing Guide
Lifestyle, parents' medical, PRS, SSPN, EV charging — five reliefs that quietly cut RM4,000+ off your YA 2025 tax bill, with a worked RM80,000 chargeable-income example.
Your Malaysian Payslip Explained: Every Line, Every Deduction
EPF, SOCSO, EIS, PCB — five letters that quietly eat 20% of your gross salary every month. Here's what each one does, the exact rates in 2026, and a worked example for an RM5,000 monthly salary.
Complete Stamp Duty Guide Malaysia 2026: Rates, Exemptions & Calculator
Everything you need to know about stamp duty in Malaysia 2026 — MOT rates, loan agreement stamp duty, first-time buyer exemptions, and a full worked example for a RM500k property.
EPF Withdrawal for House Downpayment: Rules, Limits & How to Apply (2026)
A complete guide to using EPF Account 2 withdrawal for house downpayment in Malaysia — eligibility, how much you can take out, the application process, and the retirement trade-off.
How Much Salary Do You Need for a RM500k House in Malaysia?
Find out the exact salary required to afford a RM500,000 home loan in Malaysia, including DSR calculations, EPF deductions, and practical tips for 2026.