Vega Macdonald
01/02/2024 · Junior High School
1. Sharul membeli kenderaan bernilai RM50 000 dan membayar pendahuluan sebanyak \( 10 \% \), Dia membuat pinjaman kenderaan dengan Bank Setia dengan faedah \( 3.5 \% \) setahub. Hitung jumlah bayaram balik pinjaman dan payaran ansuran bulanan jika tempoh pinjaman adalah selama \( \begin{array}{ll}\text { (a) } 7 \text { tahun, } & \text { (b) } 9 \text { tahun, }\end{array} \) Nyatakan kesan apabila tempoh pinjaman semakin bertambah.
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- Tempoh pinjaman 7 tahun: Bayaran balik RM56,025, ansuran bulanan RM667.86.
- Tempoh pinjaman 9 tahun: Bayaran balik RM59,175, ansuran bulanan RM548.53.
- Kesan: Bayaran ansuran bulanan turun, tetapi bayaran balik keseluruhan naik; beban kewangan jangka pendek turun, tetapi jangka panjang naik.
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