Knowledge · Articles
Practical, source-cited guides for smarter money decisions in Malaysia. Updated as rules change.
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.
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.
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.
