{"id":192128,"date":"2026-09-19T20:26:24","date_gmt":"2026-09-19T12:26:24","guid":{"rendered":"https:\/\/mcigroup.my\/?p=192128"},"modified":"2026-09-19T20:26:25","modified_gmt":"2026-09-19T12:26:25","slug":"14-bank-sudah-tawar-pembiayaan-sewa-beli-kaedah-baki-berkurangan","status":"publish","type":"post","link":"https:\/\/mcigroup.my\/ms\/pilihan-editor\/14-bank-sudah-tawar-pembiayaan-sewa-beli-kaedah-baki-berkurangan\/","title":{"rendered":"14 Bank Sudah Tawar Pembiayaan Sewa Beli Kaedah Baki Berkurangan"},"content":{"rendered":"\n<p>BATU KAWAN, 19 Sept &#8212; Sebanyak 14 daripada 20 institusi perbankan yang menyediakan pembiayaan sewa beli telah mula menawarkan Kaedah Pengurangan Baki\u00a0setakat 18 Sept lepas.<\/p>\n\n\n\n<p>Menteri Perdagangan Dalam Negeri dan Kos Sara Hidup Datuk Armizan Mohd Ali berkata berdasarkan sesi libat urus dengan institusi perbankan, baki enam bank lagi dijangka melengkapkan proses peralihan kepada kaedah baharu itu selewat-lewatnya 31 Dis depan.<\/p>\n\n\n\n<p>\u201cSecara keseluruhan terdapat 429 entiti terdiri daripada institusi perbankan dan syarikat penyedia sewa beli yang berdaftar dengan Persatuan Syarikat-Syarikat Sewa Beli Malaysia (AHPCM),\u201d katanya pada sidang media pada&nbsp;Majlis Perasmian Penutup Festival Pengguna (CONFEST) 2026 di Stadium Batu Kawan, di sini hari ini.<\/p>\n\n\n\n<p>Beliau berkata&nbsp;menjelang akhir tahun ini, pihak kementerian menyasarkan 80 peratus penyedia sewa beli akan menawarkan pembiayaan dengan pematuhan di bawah Akta Sewa Beli (Pindaan) 2026.&nbsp;<\/p>\n\n\n\n<p>Penyedia sewa beli yang belum bersedia sepenuhnya diberikan tempoh penyesuaian hingga 31 Mac 2027, manakala kewajipan pematuhan sepenuhnya akan bermula 1 April tahun depan.<\/p>\n\n\n\n<p>Pindaan akta berkenaan yang mula berkuat kuasa pada 1 Jun lepas memperkenalkan kaedah baki berkurangan, dan Kadar Faedah Efektif untuk menggantikan kadar faedah tetap sama rata serta kaedah Peraturan 78 (<em>Rule of 78<\/em>).<\/p>\n\n\n\n<p>\u201cMelalui kaedah ini, faedah dikira berdasarkan baki pinjaman semasa, sekali gus menjadikan penyelesaian awal pinjaman lebih telus kepada pengguna,\u201d katanya.<\/p>\n\n\n\n<p>CONFEST 2026 dianjurkan oleh Kementerian Perdagangan Dalam Negeri dan Kos Sara Hidup (KPDN) dari 17 hingga 20 Sept, bertemakan \u201cSuara Kita: Kuasa Kita\u201d.&nbsp;<\/p>\n\n\n\n<p>Acara kemuncak Sambutan Hari Pengguna Kebangsaan 2026 itu bertujuan meningkatkan kesedaran masyarakat mengenai hak, perlindungan dan tanggungjawab pengguna.<\/p>\n\n\n\n<p>Program ini turut menghimpunkan penggerak advokasi kepenggunaan, agensi kerajaan dan NGO, dengan pelbagai aktiviti, termasuk pertandingan kepenggunaan, Fun Walk, Fun Run serta reruai agensi dan rakan strategik KPDN.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BATU KAWAN, 19 Sept &#8212; Sebanyak 14 daripada 20 institusi perbankan yang menyediakan pembiayaan sewa beli telah mula menawarkan Kaedah Pengurangan Baki\u00a0setakat 18 Sept lepas. Menteri Perdagangan Dalam Negeri dan Kos Sara Hidup Datuk Armizan Mohd Ali berkata berdasarkan sesi libat urus dengan institusi perbankan, baki enam bank lagi dijangka melengkapkan proses peralihan kepada kaedah [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":192129,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":{"0":"post-192128","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-pilihan-editor"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>14 Bank Sudah Tawar Pembiayaan Sewa Beli Kaedah Baki Berkurangan - MCI Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mcigroup.my\/ms\/pilihan-editor\/14-bank-sudah-tawar-pembiayaan-sewa-beli-kaedah-baki-berkurangan\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"14 Bank Sudah Tawar Pembiayaan Sewa Beli Kaedah Baki Berkurangan - MCI Group\" \/>\n<meta property=\"og:description\" content=\"BATU KAWAN, 19 Sept &#8212; Sebanyak 14 daripada 20 institusi perbankan yang menyediakan pembiayaan sewa beli telah mula menawarkan Kaedah Pengurangan Baki\u00a0setakat 18 Sept lepas. Menteri Perdagangan Dalam Negeri dan Kos Sara Hidup Datuk Armizan Mohd Ali berkata berdasarkan sesi libat urus dengan institusi perbankan, baki enam bank lagi dijangka melengkapkan proses peralihan kepada kaedah [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mcigroup.my\/ms\/pilihan-editor\/14-bank-sudah-tawar-pembiayaan-sewa-beli-kaedah-baki-berkurangan\/\" \/>\n<meta property=\"og:site_name\" content=\"MCI Group\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-19T12:26:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-19T12:26:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mcigroup.my\/wp-content\/uploads\/2026\/09\/164b2d0e0d0c2e33af85e7bfccfce59b6aae44c39b766.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1110\" \/>\n\t<meta property=\"og:image:height\" content=\"694\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"MCI Bahasa\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"MCI Bahasa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mcigroup.my\/ms\/pilihan-editor\/14-bank-sudah-tawar-pembiayaan-sewa-beli-kaedah-baki-berkurangan\/\",\"url\":\"https:\/\/mcigroup.my\/ms\/pilihan-editor\/14-bank-sudah-tawar-pembiayaan-sewa-beli-kaedah-baki-berkurangan\/\",\"name\":\"14 Bank Sudah Tawar Pembiayaan Sewa Beli Kaedah Baki Berkurangan - 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