Perbezaan Kadar Faedah Tetap VS Kadar Faedah Terapung

Bila kita berurusan dengan bank untuk mohon pembiayaan peribadi ataupun pembiayan perumahan, pasti akan dapat info dari kakitangan bank yang menawarkan pinjaman kadar faedah tetap atau kadar faedah terapung.

Jom kita tengok apa perbezaannya.

Kadar faedah tetap tidak berubah sepanjang tempoh pinjaman. Oleh kerana itu, peminjam tahu dengan tepat berapa jumlah perlu dibayar secara ansuran setiap bulan. Ini adalah yang paling sesuai untuk peminjam yang tidak mahu apa-apa kejutan dalam komitmen bulanan mereka.

Kadar faedah terapung adalah berdasarkan Kadar Rujukan (contohnya BLR, BFR, OPR, KLIBOR) yang boleh berubah sepanjang tempoh pinjaman. Kadar Rujukan ini dikawal oleh bank (contohnya BLR) atau ditentukan pasaran (contohnya OPR) dan boleh berubah pada masa itu juga, yang melibatkan pengiraan faedah pinjaman. Perubahan dalam faedah yang perlu dibayar boleh menjejaskan 2 perkara:

  1. Peningkatan dalam jumlah pembayaran bulanan.
  2. Peningkatan dalam tempoh pembayaran pinjaman

Satususunan kadar faedah / keuntungan terapung biasanya kelihatan seperti ini:

Kadar Rujukan (+ ATAU -) x%

Bersama-sama dengan Kadar Rujukan itu, Komponen (+ ATAU -) dan ‘x%’ menentukan bagaimana murah / mahal pinjaman itu. Apabila membandingkan antara pinjaman yang berbeza, peminjam biasanya mementingkan kedua 2 komponen, memandangkan komponen Kadar Rujukan biasanya sama di antara bank-bank yang berbeza. Sebagai contoh:

  • Bank A – BLR (6.6%) – 2%
  • Bank B – BLR (6.6%) – 2.1%

Bedasarkan contoh di atas, Bank B mempunyai pakej pinjaman yang murah. Dan kadar faedah aktif pada masa pengiraan untuk Bank B menjadi 4.5%.

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