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Acong posted on 25-10-2012 11:05 PM 
boleh blah............
Hahahaha. Mentang2 laaa awek ko tak cun mcm zeta... 
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Acong posted on 25-10-2012 11:38 PM
kalu dah cun cam zeta, dia dah tak perlu sambung bayar keta aku laa......
Pulak.... :curse
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Utk KES SAMBUNG BYR, cuba baca sikit info drp AKPK - BNM ni
>> http://www.akpk.org.my/learning/ ... ar-of-hire-purchase
“Sambung Bayar” of Hire-Purchase
Posted at September 19, 2012 in Others
Malaysians are very trusting people and often pass on their vehicles to family members, relatives or close friends without legally selling the vehicle to the party and without knowing the consequences of such action. This transfer of vehicle to a third party is done with the expectation that the person using the vehicle henceforth will continue servicing the hire-purchase loan diligently until it is settled. The owner of the vehicle may think that this is a good way of disposing his old vehicle without going through the hassle of legality in the process.
One would have thought that the ownership of the vehicle has been transferred to the third party or by handing over the keys. However, this arrangement is invalid when the vehicle is not sold legally to the other party and the ownership in the vehicle grant or hire-purchase loan agreement does not change. This would mean that if the third party defaults in loan repayments, the hirer will have to bear the loan outstanding and there is no course of action available to exclude the hirer’s liability over the loan.
Often we see that banks repossess the vehicle and sell it at a lower amount to recover the loan outstanding. The public needs to be aware that the sale of a vehicle repossessed by the bank does not necessarily mean that the loan will be settled after the sale. One has to bear in mind that a vehicle is a depreciating asset. More often than not, there is still an outstanding amount on the loan after the sale of the vehicle.
For your information, the bank can repossess the vehicle under the following circumstances:
• When the hirer defaults in two (2) successive monthly instalments or the final instalment; OR
• Defaults in four (4) successive monthly instalments where the hirer is deceased.
In addition to facing issues with the bank on repayments, the hirer may also face further issues with authorities such as Jabatan Pengangkutan Jalan Raya, Polis DiRaja Malaysia and also city councils in the event the third party accumulates road summons. These summonses will be sent to the hirer based on the information registered on the vehicle and the hirer will have to incur these charges on top of servicing his outstanding hire-purchase loan.
As such, the “sambung bayar” practise is much discouraged from a financial point of view. By doing this, one is actually placing himself at the risk of suffering more debts as compared to legally selling the vehicle the proper way.
If you decide to want to dispose of the liability that comes with your current vehicle, you will need to sell it. Before you sell the vehicle, you need to:
1) Check your redemption or outstanding hire-purchase loan amount with your bank;
2) Check the market value of your vehicle to see that it is of fair value; AND
3) Be prepared to settle the difference, if any, before you proceed with the sale or transfer.
Agensi Kredit dan Pengurusan Kredit (AKPK) has encountered many cases involving “sambung bayar” of vehicles and would like to caution the public of the risks linked to this practise. |
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Jangan susahkan hidup anda... |
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Ingin menjual kereta anda? Nak cari pembeli untuk sambung bayar kereta anda? Kami membeli kereta anda dalam 24 jam cash! Hubungi +6010832603 atau melayari www.keretasambungbayar.com sekarang! |
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Post time 25-10-2012 11:27 PM
