Bab 4: TYPES OF INTEREST..

Tugas UTAMA bank adalah memberi pinjaman kepada pelanggannya. Perbezaan antara faedah yang diberikan kepada penyimpan wang dan faedah pinjaman yang dikenakan adalah sumber keuntungan pihak bank, di samping pelbagai caj perkhidmatan lain.

( faedah pinjaman yg dikenakan oleh bank ketas pminjam - faedah yg diberikan kepada penyimpan di bank = KEUNTUNGAN BANK

TERDAPAT 4 JENIS INTEREST SECARA KHUSUS DI SEMUA BANK..

1) FLAT RATE ( kadar tetap)
Kadar ini biasa digunakan untuk pembiayaan kereta atau motor.

2) YEARLY REST
Kadar ini sering digunakan untuk pengguna membeli barangan seperti barangan elektrik / perabot ( IKEA / LORENZO )

3) MONTHLY REST
Kadar ini biasanya digunakan untuk pinjaman perumahan oleh local Bank.

4) DAILY REST
Kadar ini secara khusus digunakan didalam pengiraan OVERDRAFT (OD) dan pinjaman perumahan biasanya oleh foreign Bank ( HSBC /public bank /ambank).

Diantara 4 jenis interest ini, YANG PALING BAGUS dan MENGUNTUNGKAN KITA ialah DAILY REST, nanti RIN akan bagikan contoh pengiraan yea. ;p.

Pihak bank paling suka FLAT RATE kerana ia lebih menguntungkan mereka.

Kebanyakan pengguna lebih menyukai FLAT RATE kerana MUDAH DI FAHAMI..sedangkan secar jelas kita telah di tipu oleh mahkluk paling kaya di muka bumi ini iaitu BANK. Jadi FIKIR2 KAN YEA, ;p.

ok, jom kita tengok..tools yang di provide by BANK nowdays..menggunakan interest yang mana brapa pula kadar effective nya? Kadar effective yang paling rendah bermakna menguntungkan kita sebgai customer dan merugikan BANK sebgai mahkluk paling kaya di muka bumi ini, ;p.

1) Kad kredit - kadar harian tetapi kadar faedah 1.5% sebulan dari jumlah baki yang tinggal selepas minimum payment di jelaskan ..merugikan kita sebagai pengguna.

2) Pinjaman peribadi- kadar tetap tahunan 7.0%.

3) Sewa beli kenderaan-Kdar tetap tahunan 4.0%

4) Pinjaman perumahan - Kadar faedah bulanan 8.0% (foreign bank ada yg bagi daily rest)

5) Overdraf - kadar faedah harian, BLR+1.5%

* BLR ( Rin cari dari internet maklumat nie)

What is the Base Lending Rate (BLR)? Base Lending Rate (BLR) is a minimum interest rate calculated by financial institutions based on a formula which takes into account the institutions cost of funds and other administrative costs. The BLR is almost always the same amongst major banks. Adjustments to the BLR are made by banks at the almost same time; although, the BLR does not adjust on any regular basis. The BLR is usually adjusted at the time in correlation to the adjustments of the Overnight Policy Rate (OPR) which is determine by Bank Negara Malaysia (BNM) during Monetary Policy Meeting. Banks in some countries use the name "Prime Rate" or "Prime Lending Rate" to refer to their Base Lending Rate. On 1 November 1995, Bank Negara Malaysia (”BNM”) imposed a ceiling on the BLRs quoted by banking institutions. The ceiling rate would be determined by a formula. This framework was further revised on 1 September 1998 to enhance the speed of transmission of changes in BNM’s monetary policy (via revisions to intervention rate and SSR) to changes in the economy’s interest rate levels.

In general, the formula for the ceiling BLR is calculated as follows:

Ceiling BLR = Adjusted BNM Intervention Rate + Fixed administrative charge

The ceiling BLRs for commercial banks and finance companies are fundamentally different due to the way the Adjusted BNM Intervention Rate is interpreted:

For commercial banks, the Adjusted BNM Intervention Rate = BNM Intervention Rate x 80% / (1-SRR%)
For finance companies, the Adjusted BNM Intervention Rate = BNM Intervention Rate /
(1-SRR%)

Commercial banks have a lower Adjusted BNM Intervention Rate (compared to finance companies) resulting in lower ceiling BLR as commercial banks have a relatively lower cost of funds. This is due to the presence of zero-interest current account balances.

In practice, the BNM Intervention Rate is taken as the prevailing BNM 3-month intervention rate (the previous month’s average KLIBOR was formerly used). BNM set the fixed administrative charge at 2.50% initially, but on 1 September 2008 lowered it to 2.25% in order to promote greater operational efficiency among banking institutions. Whenever BNM changes the intervention rate or the SRR, banking institutions are given 1 week to adjust their BLR to comply with the new ceiling.


Last Reported BLR : 5.80% (Effective Since 9 March 2010)