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Sunday, August 11, 2019

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Car Loans for Graduates / Students in Malaysia and Tips for First-Time Car Buyers

As a student, you must have dreamed of owning a car and driving it to your school/college every day. But it is not easy to own an automobile when you are a student or you have recently passed out from a university. Expenses and maintenance costs of a four-wheeler vehicle are sky-high and you need to have an employment to maintain the automobile. Either you can wait for your parents to get it for you or you can take a loan and fund it from your own pockets.

If second option is sounding preferable to you, you should start researching on car loans in Malaysia. This will include, which providers/banks offer car loans, eligibility criteria for it, interest rates and tenure involved, etc. After all necessary research is done, you will get an idea about the most suitable hire purchase plan for you.

So, if you are a graduate and looking for funding for your first car, here are some plans by top banks that can help you out:

Bank Islam Vehicle Financing-i GradHitz

You can opt for the bank’s Vehicle Financing-i GradHitz programme which is based on the concept of Murabahah. Here, you can get 100% financing and flexible tenures up to 9 years. If you fulfil the eligibility criteria, you can get financing for your first car.

Eligibility criteria

  • Age criteria:
    • Minimum age: 20 years
    • Maximum age: 30 years
  • You must be a graduate and qualified with at least a diploma from an accredited university
  • You must be employed at any of the following:
    • Semi government and government sector
    • Selected public listed firms
    • GLCs (government linked companies)
    • Other noticeable private limited companies listed by the bank
    • If your are a fixed income earner
Bank Islam offers financing rates from 2.90% p.a. to 3.60% p.a., depending on the type of your vehicle. The profit rate is calculated on a monthly basis with ‘Sum of Digit’ method.

Bank Muamalat Vehicle Financing-i GradPack

This is another option to get financing for your first car. The scheme is based on Bai' Bithaman Ajil which is a contract based on ‘deferred payment sale’ where you make the payment for your purchase (vehicle) on a fixed later date. You can obtain this facility as per the bank’s usual profit rates. You can acquire a minimum financing amount of RM20,000 for tenures ranging from a minimum of 4 years up to 9 years.

Eligibility criteria

  • Age criteria: 20 years to 30 years old
  • Income criteria: Minimum RM1,500 per month
  • Minimum qualification required: Diploma from institutions recognised by Department of Higher Education, Ministry of Higher Education Malaysia, or Malaysian Qualifications Agency (MQA)
  • Application must be made within 3 years from your graduation date

Maybank My First Car Plan

The bank offers a car financing plan with repayments staring from RM268 per month. The financing scheme is available for graduates with employment, undergraduates, and also for government professionals, nurses, teachers, etc.

Eligibility criteria

For a graduate with an employment:
  • You need to be a degree holder
  • You must be employed for at least a month with minimum income of RM2,500 per month
  • Age criteria: 21 years to 30 years old
  • If you are employed for less than 6 months, you need to provide a guarantor (either a parent or a sibling) who fulfils the eligibility criteria and has a good CCRIS (Central Credit Reference Information System) record
For undergraduates:
  • You must be pursuing a degree course at a recognised institution
  • Age criteria: Between 18 years to 30 years
  • You need to present a guarantor (a parent or a sibling) who fulfils the eligibility criteria and has a good CCRIS record

Documents required

If you are opting for a hire purchase plan as a graduate and a young earner, you need to provide the following documents:
  • A copy for your NRIC or MyKad
  • A copy of driving license
  • A copy of your authentic degree/diploma certificate
  • Employment confirmation letter from your employer or salary slips for the period suggested by the bank
  • Any other document as requested by the bank

Tips for First-Time Car Buyers

  • You can get car financing for national car models as well as for foreign car models. Loans are also available for used cars.
  • You need to keep your car insured under any standard car insurance policy. You can choose any policy that offers any of the following covers: a Third-party cover, a Third-Party, Fire and Theft cover, and a Comprehensive Cover.
  • Purchasing and maintaining a car is expensive. Hence, choose a car model that you can afford to pay for. You can also consider a used or second-hand car that could be much cheaper than a new model.
  • You should get a detailed estimation of payable premium according to your preferred model, your income, etc. You can use an online car loan calculator for this.
  • Compare multiple car financing schemes before opting for one. This will help you getting the best possible deal for your purchase. Read terms and conditions as well as analyse associated fees and charges carefully before deciding on any facility.
Compare multiple car financing schemes before opting for one. This will help you getting the best possible deal for your purchase. Read terms and conditions as well as analyse associated fees and charges carefully before deciding on any facility.

Guest Post by Syed Faraz


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Sunday, January 06, 2019

Malaysia School Holiday 2019 Calendar (Kalendar Cuti Sekolah 2019)

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Related Malaysia 2019 Calendars:
Kalendar Cuti Sekolah Malaysia 2019 School Holiday Calendar
Kalendar Cuti Sekolah Malaysia 2019 School Holiday Calendar

Malaysia Festive School Holidays 2019 Dates (Tarikh Hari Cuti Perayaan Sekolah Malaysia 2019)

Semua sekolah hendaklah mematuhi cuti perayaan yang diperuntukkan oleh Kementerian dan cuti ini tidak perlu diganti.

Chinese New Year CNY School Holiday Dates (Cuti Sekolah Tahun Baru Cina):
3 - 7 February 2019 (Schools in Kedah, Johor, Kelantan and Terengganu)
4 - 8 February 2019 (Schools in Perlis, Pulau Pinang, Perak, Selangor, Negeri Sembilan, Melaka, Pahang, Sabah, Sarawak, Wilayah Persekutuan Kuala Lumpur, Labuan and Putrajaya)

Tarikh Cuti Sekolah Hari Raya Aidil Fitri:
5 - 9 June 2019 (Schools in Kedah, Johor, Kelantan and Terengganu)
5 - 10 June 2019 (Schools in Perlis, Pulau Pinang, Perak, Selangor, Negeri Sembilan, Melaka, Pahang, Sabah, Sarawak, Wilayah Persekutuan Kuala Lumpur, Labuan and Putrajaya)

Tarikh Cuti Sekolah Hari Deepavali:
27 - 29 October 2019 (Schools in Kedah, Johor, Kelantan and Terengganu)
25 - 29 October 2019 (Schools in Perlis, Pulau Pinang, Perak, Selangor, Negeri Sembilan, Melaka, Pahang, Sabah, Wilayah Persekutuan Kuala Lumpur, Labuan and Putrajaya)
25 - 28 October 2019 (Schools in Sarawak)
Cuti Sekolah Perayaan Malaysia Tahun Baru Cina Hari Raya Aidil Fitri
Cuti Sekolah Perayaan Malaysia Tahun Baru Cina Hari Raya Aidil Fitri
Perayaan Hari Keamatan: 30 & 31 May 2019 (dalam cuti pertengahan penggal tahun 2019)
Perayaan Hari Gawai Dayak: 1 & 2 June 2019 (dalam cuti pertengahan penggal tahun 2019)
Perayaan Hari Krismas: 25 December 2019 (dalam cuti akhir tahun 2019)

Malaysia School Holidays 2019 Dates (Tarikh Hari Cuti Sekolah Malaysia 2019)

Ministry of Education Malaysia has released the official Malaysia school holiday dates 2019 which should be very useful if you are planning your family trip this year or to book flight tickets during AirAsia Free Seats promotion 2019.

Schools in Perlis, Pulau Pinang, Perak, Selangor, Negeri Sembilan, Melaka, Pahang, Sabah, Sarawak, Wilayah Persekutuan Kuala Lumpur, Labuan and Putrajaya

Term 1 School Holidays 2019 (Cuti Pertengahan Penggal 1):
23 March - 31 March

Midyear School Holidays 2019 (Cuti Pertengahan Tahun):
25 May - 9 June

Term 2 School Holidays 2019 (Cuti Pertengahan Penggal 2):
10 August - 18 August

Year End School Holidays 2019 (Cuti Akhir Tahun):
23 November - 31 December
Cuti Penggal Persekolahan Tahun 2019 (Sekolah Kumpulan B)
Tarikh Cuti Penggal Persekolahan Tahun 2019 (Sekolah Kumpulan B)

Schools in Kedah, Johor, Kelantan and Terengganu

Term 1 School Holidays 2019 (Cuti Pertengahan Penggal 1):
22 March - 30 March

Midyear School Holidays 2019 (Cuti Pertengahan Tahun):
24 May - 8 June

Term 2 School Holidays 2019 (Cuti Pertengahan Penggal 2):
9 August - 17 August

Year End School Holidays 2019 (Cuti Akhir Tahun):
22 November - 31 December
Kalendar Cuti Penggal Persekolahan Tahun 2019 (Sekolah Kumpulan A)
Kalendar Cuti Penggal Persekolahan Tahun 2019 (Sekolah Kumpulan A)
Source: Ministry of Education Malaysia


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Tuesday, January 01, 2019

Malaysia Public Holidays 2019 Calendar (Kalendar Cuti Umum Hari Kelepasan Am)

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Malaysia Public Holidays 2019 (Tarikh Hari Cuti Umum Malaysia 2019)

The Malaysia Public Holidays 2019 Calendar (Jadual Hari Kelepasan Am Persekutuan & Negeri 2019) below is useful for your next holiday trip planning and you have no more excuse not to buy overseas flight tickets during next AirAsia free seats / zero fares promotion.
2019 Long Holiday Malaysia Cuti Panjang

Malaysia Public / National / Federal Holidays 2019 Calendar (Kalendar Jadual Hari Cuti Kelepasan Am Persekutuan Malaysia)

  1. February 5 (Tuesday): Chinese New Year (Tahun Baru Cina)
  2. February 6 (Wednesday): Chinese New Year Second Day (Tahun Baru Cina Hari Kedua)
  3. May 1 (Wednesday): Labour Day (Hari Pekerja)
  4. May 19 (Sunday): Vesak Day (Hari Wesak)
  5. * June 5 (Wednesday): Hari Raya Puasa
  6. * June 6 (Thursday) Hari Raya Puasa (Hari Kedua)
  7. * August 11 (Sunday): Cuti Hari Raya Haji / Qurban
  8. * August 12 (Monday): Cuti Hari Raya Haji / Qurban (Hari Kedua)
  9. August 31 (Saturday): National Day (Hari Kebangsaan / Merdeka)
  10. September 1 (Sunday): Awal Muharam (Maal Hijrah)
  11. September 9 (Monday): Agong's Birthday (Hari Keputeraan Seri Paduka Baginda Yang di-Pertuan Agong)
  12. September 16 (Monday): Malaysia Day (Hari Malaysia)
  13. * October 27 (Sunday): Deepavali (Hari Deepavali)
  14. November 9 (Saturday): Prophet Muhammad's Birthday (Hari Keputeraan Nabi Muhammad S.A.W. / Maulidur Rasul)
  15. December 25 (Wednesday): Christmas (Hari Krismas)

State Holidays 2019 (Jadual Hari Cuti Kelepasan Am Negeri)

  1. January 1 (Tuesday): New Year 2019 (Tahun Baru 2019)
  2. January 14 (Monday): Yang di-Pertuan Besar Negeri Sembilan's Birthday (Hari Keputeraan Yang di-Pertuan Besar Negeri Sembilan)
  3. January 20 (Sunday): Sultan of Kedah's Birthday (Hari Keputeraan Sultan Kedah)
  4. * January 21 (Monday): Hari Thaipusam
  5. February 1 (Friday): Federal Territory Day (Hari Wilayah Persekutuan)
  6. February 6 (Wednesday): Chinese New Year Second Day Holiday
  7. March 4 (Monday): Anniversary of Installation of Sultan of Terengganu (Hari Ulang Tahun Pertabalan Sultan Terengganu)
  8. March 23 (Saturday): Sultan of Johor's Birthday (Hari Keputeraan Sultan Johor)
  9. April 3 (Wednesday): Israk dan Mikraj
  10. April 15 (Monday): Declaration of Malacca as a Historical City (Hari Perisytiharan Melaka Sebagai Bandaraya Bersejarah)
  11. April 19 (Friday): Good Friday
  12. April 26 (Friday): Sultan of Terengganu's Birthday (Hari Keputeraan Sultan Terengganu)
  13. * May 6 (Monday): Awal Ramadan
  14. May 7 (Tuesday): Hari Hol Pahang
  15. May 22 (Wednesday): Hari Nuzul Al-Quran
  16. May 30 (Thursday): Harvest Festival (Pesta Kaamatan / Pesta Menuai)
  17. May 31 (Friday): Harvest Festival (Pesta Kaamatan / Pesta Menuai)
  18. June 1 (Saturday): Perayaan Hari Gawai Dayak
  19. June 2 (Sunday): Perayaan Hari Gawai Dayak Holiday
  20. July 7 (Sunday): Georgetown World Heritage City Day (Hari Ulang Tahun Perisytiharan Tapak Warisan Dunia)
  21. July 13 (Saturday): Penang Governor's Birthday (Hari Jadi Yang di-Pertua Negeri Pulau Pinang)
  22. July 17 (Wednesday): Raja Perlis' Birthday (Hari Ulang Tahun Keputeraan Raja Perlis)
  23. July 22 (Monday): Sarawak Day
  24. * August 12 (Monday): Hari Raya Qurban / Haji Hari Kedua
  25. October 5 (Saturday): Hari Hol Almarhum Sultan Iskandar Johor
  26. October 5 (Saturday): Sabah Governor's Birthday (Hari Jadi Yang di-Pertua Negeri Sabah)
  27. October 11 (Friday): Malacca Governor's Birthday (Hari Jadi Yang di-Pertua Negeri Melaka)
  28. October 12 (Saturday): Sarawak Governor's Birthday (Hari Jadi Yang di-Pertua Negeri Sarawak)
  29. October 24 (Thursday): Sultan of Pahang's Birthday (Hari Keputeraan Sultan Pahang)
  30. November 1 (Friday): Sultan of Perak's Birthday (Hari Keputeraan Sultan Perak)
  31. November 11 (Monday): Sultan of Kelantan's Birthday (Hari Keputeraan Sultan Kelantan)
  32. November 12 (Tuesday): Sultan of Kelantan's Birthday (Hari Keputeraan Sultan Kelantan)
  33. December 11 (Wednesday): Sultan of Selangor's Birthday (Hari Keputeraan Sultan Selangor)
Note: * Subject to change (tertakluk kepada perubahan).

Kalendar Jadual Hari Kelepasan Am Malaysia 2019 Persekutuan & Negeri (Click to Zoom In)

Malaysia Public Holidays 2019 Calendar (Kalendar Cuti Umum Hari Kelepasan Am)
Malaysia Public Holidays 2019 Calendar (Kalendar Cuti Umum Hari Kelepasan Am)
Malaysia Public Holidays 2019 Calendar (Kalendar Cuti Umum Hari Kelepasan Am)


► Read more on Malaysia Public Holidays 2019 Calendar (Kalendar Cuti Umum Hari Kelepasan Am)

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