分期付款不再采固定利率 车贷新制更保障消费者

Nanyang Tue, Oct 14, 2025 09:11pm - 1 year View Original

报道：陈美玲

（吉隆坡14日讯）国会通过2025年分期付款（修正）法案，废除沿用了数十年的固定利率与“78法则”，并以实际利率（EIR）及余额递减法取而代之，新制被形容为“让贷款终于算得清”的改革，消费者拍手叫好，业者却忧心信贷成本上升。

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Alonso Pique

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You are using 4% for both flat rate and reducing scale calculation which is not appropriate! Using reducing method the interest rate tends to be higher than that of flat rate. Housing loan is a good example.

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