MORATORIUM 2.0 Patutkah Ambil?

*INCREASE YOUR FINANCIAL IQ *GUIDE TO INVESTING

Moratorium adalah "penangguhan bayaran" bukan pengecualian bayaran

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Penangguhan bayaran  diserta dengan kadar faedah tambahan  dan tempoh masa pinjaman di panjangkan

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Justeru bagi yang benar-benar perlu.. gunakan kemudahan yang diberi untuk stabilkan aliran tunai sedia ada. 

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Bila aliran tunai dah stabil boleh cover semula kadar faedah dan tempoh masa berkenaan. Bak kata pepatah "tak ada akar rotan pun berguna".

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Bagi pendapatan tidak terjejas dengan PKP. Gaji jalan macam biasa elok elakkan sekiranya tiada keperluan. Tak ada bayaran faedah tambahan dan tambahan tempoh bayaran dikenakan. Loan kereta elok 2 tahun lagi nak habis bayar. Ambil moratorium 6 bulan tambah lagi 2 tahun installment jadi 4 tahun baru habis loan.. kes naya mamcamni 

𝐌𝐎𝐑𝐀𝐓𝐎𝐑𝐈𝐔𝐌 𝟑.𝟎 (𝐓𝐀𝐍𝐏𝐀 𝐒𝐘𝐀𝐑𝐀𝐓)

𝗟𝗶𝗻𝗸 𝘂𝗻𝘁𝘂𝗸 𝗠𝗼𝗿𝗮𝘁𝗼𝗿𝗶𝘂𝗺 𝗔𝘂𝘁𝗼 𝗔𝗽𝗽𝗿𝗼𝘃𝗲𝗱 𝗕𝟰𝟬/𝗠𝟰𝟬/𝗧𝟮𝟬 :

1. Moratorium 𝙈𝙖𝙮𝙗𝙖𝙣𝙠

https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/announcements/2020/March/announcement_financial_relief_scheme.page

2. Moratorium 𝘽𝙖𝙣𝙠 𝙍𝙖𝙠𝙮𝙖𝙩

https://cv19-support.bankrakyat.com.my/

3. Moratorium 𝘽𝙖𝙣𝙠 𝙄𝙨𝙡𝙖𝙢

https://vao.bankislam.com.my/ppb/

4. Moratorium 𝘾𝙄𝙈𝘽

https://www.cimb.com.my/covid19support

5. Moratorium 𝘽𝙎𝙉

https://www.bsn.com.my/page/TRA

6. Moratorium 𝙋𝙪𝙗𝙡𝙞𝙘 𝘽𝙖𝙣𝙠

https://www.pbebank.com/Others/COVID-19.aspx

7. Moratorium 𝘼𝙢𝙗𝙖𝙣𝙠

https://www.ambank.com.my/eng/targeted-repayment-assistance

8. Moratorium 𝙍𝙃𝘽

https://www.rhbgroup.com/malaysia/campaigns/PostMoratoriumEForm?_ga=2.202856849.1410897864.1622574747-1382388922.1622574747

9. Moratorium 𝘼𝙛𝙛𝙞𝙣 𝘽𝙖𝙣𝙠

https://www.affinbank.com.my/Others/Financial-Assistance-Instalment-Relief-(FAIR)-Prog.aspx?lang=ms-MY

10. Moratorium 𝙈𝘽𝙎𝘽

https://www.mbsbbank.com/bm/notices/moratorium

11. Moratorium 𝘽𝙖𝙣𝙠 𝙈𝙪𝙖𝙢𝙖𝙡𝙖𝙩

https://map.muamalat.com.my/

12. Moratorium 𝙆𝙪𝙬𝙖𝙞𝙩 𝘽𝙖𝙣𝙠

https://www.kfh.com.my/malaysia/personal/announcements/KFH-RAP.html

13. Moratorium 𝘾𝙞𝙩𝙞𝘽𝙖𝙣𝙠

https://www.citibank.com.my/english/forms/moratorium-restructure-V2/index.html

14. Moratorium 𝘼𝙡𝙡𝙞𝙖𝙣𝙘𝙚 𝘽𝙖𝙣𝙠

https://www.allianceonline.com.my/personal/loan_moratorium/loan_moratorium.do

15. Moratorium 𝘼𝙜𝙧𝙤𝘽𝙖𝙣𝙠

https://www.agrobank.com.my/my/bbb/

16. Moratorium 𝙃𝙤𝙣𝙜 𝙇𝙚𝙤𝙣𝙜 𝘽𝙖𝙣𝙠

https://www.hlb.com.my/en/personal-banking/news-updates/hlb-payment-relief-assistance-plan.html

17. Moratorium 𝙎𝙈𝙀 𝘽𝙖𝙣𝙠

https://smebank.com.my/en/financing-payment-assistance

18. Moratorium 𝙎𝙩𝙖𝙣𝙙𝙖𝙧𝙙 𝘾𝙝𝙖𝙧𝙩𝙚𝙧𝙚𝙙 𝘽𝙖𝙣𝙠

https://www.sc.com/my/important-information/covid-19/

19. Moratorium 𝘼𝙡 𝙍𝙖𝙟𝙝𝙞 𝘽𝙖𝙣𝙠

https://www.alrajhibank.com.my/page/financial-relief/financial-assistance

20. Moratorium 𝙐𝙊𝘽 𝘽𝙖𝙣𝙠

https://www.uob.com.my/default/covid-updates/covid-relief-assistance.page

21. Moratorium 𝙊𝘾𝘽𝘾 𝘽𝙖𝙣𝙠

https://www.ocbc.com.my/personal-banking/Loans/moratorium/index.html

22. Moratorium 𝙋𝙏𝙋𝙏𝙉

https://www.ptptn.gov.my/penangguhanpkp3.0/

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𝙃𝙖𝙨𝙗𝙪𝙣𝙖𝙡𝙡𝙖𝙝 𝙬𝙖𝙣𝙞𝙠𝙢𝙖𝙡 𝙬𝙖𝙠𝙞𝙡..

ꜱᴇᴍᴏɢᴀ ᴜʀᴜꜱᴀɴ ᴋɪᴛᴀ ꜱᴇᴍᴜᴀ ᴅɪᴘᴇʀᴍᴜᴅᴀʜ ʜᴇɴᴅᴀᴋɴʏᴀ

ᴀʟʟᴀʜᴜᴍᴍᴀ ᴀᴍɪɴ

#moratorium #MCO  #pkp2021