Bliss Aura BLISS AURA
Free Consult免费咨询
Home首页 · Free Tools免费工具
Free · No sign-up · No download免费 · 无需注册 · 无需下载

Car Loan Calculator Malaysia马来西亚车贷计算器

Malaysia abolished flat-rate car financing on 1 June 2026. New loans are now calculated on the reducing balance, the same way a housing loan works — which also means settling early finally saves you real money.马来西亚已于 2026年6月1日废除 flat rate 车贷。新贷款改用递减余额法计算，与房贷相同 —— 这也意味着提早还清终于能真正省到钱了。

The rules changed on 1 June 2026. The Hire Purchase (Amendment) Act 2026 abolished flat interest rates and the Rule of 78. Car loans signed from that date use reducing balance with a disclosed effective interest rate. Loans signed before then keep their original terms — switch the toggle below if that is you. 2026年6月1日起规则已改变。《租购法令（修正）2026》废除了 flat 利率与 78 法则。该日之后签的车贷改用递减余额法，并须披露实际利率（EIR）。在此之前签的贷款仍沿用原本条款 —— 若你属于这种情况，请切换下方选项。

Your car loan车贷资料

RM
%
yrs年
% p.a.
months期
Monthly instalment每月供期
RM 0

    Settling early提早还清

      How this is calculated计算方式说明

      What changed on 1 June 2026

      The Hire Purchase (Amendment) Act 2026 was gazetted on 30 January 2026 and came into force on 1 June 2026. It abolished two things that had governed Malaysian car financing for decades:

      • Flat interest rates. Interest used to be charged on the full original loan for every year of the tenure, even in the final year when you had already repaid most of the principal. A "3% flat" loan actually cost around 5.5% in real terms.
      • The Rule of 78. This front-loaded interest into the early instalments, so settling early gave you far less rebate than you would expect — which is why paying off a car loan early rarely made financial sense.

      New agreements now use the reducing balance method, with a disclosed effective interest rate (EIR). Interest is charged only on what you still owe, and the rate quoted is the rate you actually pay. This is the same basis as a housing loan, so the two are finally comparable.

      The reform sits alongside the Consumer Credit Act 2025, which came into force on 1 March 2026.

      If your loan started before 1 June 2026

      The change applies to new agreements only. An existing hire purchase contract keeps its original flat-rate terms — the law was not applied retroactively.

      However, member banks of the Association of Banks in Malaysia agreed to offer goodwill discounts on early settlement of pre-reform loans, so the payoff figure lands closer to what a reducing-balance loan would have produced. This is discretionary and each bank sets its own, so you have to ask. Use the legacy mode above to see roughly how much the Rule of 78 is costing you, then request a written settlement quote and ask explicitly about the goodwill discount.

      Settling early now genuinely saves money

      This is the practical consequence most people miss. Under the old system, interest was fixed at signing and rebated on a sum-of-digits basis, so an early payoff saved far less than intuition suggested. Under reducing balance, every ringgit of principal you repay early stops accruing interest immediately. If you come into money, paying down a car loan is now a real return rather than a token one.

      What a fair rate looks like

      Because the quoted figure is now an effective rate, you can compare it directly against other credit. Bank Negara's OPR is currently 2.75%, housing loans run around 4%, and car financing typically sits above that because a car is a depreciating asset. If someone quotes you a car rate below a housing loan rate, check whether they are quoting the old flat basis out of habit — on a pre-reform agreement, a 3% flat rate is roughly 5.5% effective.

      2026年6月1日改了什么

      《1967年租购法令（修正）2026》于 2026年1月30日宪报颁布，2026年6月1日生效，废除了两项主导马来西亚车贷数十年的做法：

      • Flat 利率。以前利息是按原始贷款全额、乘以整个年限计算的 —— 即使到了最后一年、本金早已还得七七八八，利息照旧算全额。所谓「3% flat」的贷款，实际成本约 5.5%。
      • 78 法则。它把利息集中在前期供期，导致提前结清能拿到的回扣远低于你的预期 —— 这就是为什么以前提早还清车贷通常不划算。

      新签的合约改用递减余额法，并须披露实际利率（EIR）。利息只按你还欠的余额计算，报出来的利率就是你实际付的利率。这与房贷的计算基础相同，两者终于可以直接比较。

      此项改革与 2026年3月1日生效的《2025年消费信贷法令》配套推行。

      如果你的贷款在 2026年6月1日之前就开始了

      这项改变只适用于新合约。已存在的分期付款合约仍沿用原本的 flat rate 条款 —— 法令并未追溯适用。

      不过，马来西亚银行公会的成员银行已同意，为改革前旧贷款的提前结清提供善意折扣，让结清金额更接近递减余额法的水平。这是银行自行决定的，各家标准不同，所以你必须主动开口问。可先用上方的「旧贷款」模式估算 78 法则让你多付多少，然后向银行索取书面结清报价，并明确询问善意折扣。

      现在提早还清是真的能省钱

      这是最多人忽略的实际影响。在旧制度下，利息在签约时就已固定，回扣按数字总和法计算，提前还清省下的远比直觉少。改用递减余额之后，你提前还的每一令吉本金，都会立即停止产生利息。如果你手上有闲钱，现在提前还车贷是实实在在的回报，不再只是象征性的。

      怎样才算合理的利率

      由于报价现在是实际利率，你可以直接拿它跟其他信贷比较。国家银行 OPR 目前为 2.75%，房贷约 4%，车贷通常会高于房贷，因为车子是贬值资产。如果有人报给你的车贷利率低于房贷利率，要留意对方是不是习惯性地还在用旧的 flat 报价 —— 在改革前的合约里，3% flat 大约等于 5.5% 实际利率。

      Frequently asked questions常见问题

      Is flat rate still used for car loans in Malaysia?马来西亚车贷还在用 flat rate 吗？
      Not for new agreements. The Hire Purchase (Amendment) Act 2026 abolished flat interest rates and the Rule of 78 with effect from 1 June 2026, and new car financing must now use reducing balance with a disclosed effective interest rate. Agreements signed before that date keep their original flat-rate terms, so millions of existing loans are still running on the old basis.新合约不再使用。《租购法令（修正）2026》自 2026年6月1日起废除了 flat 利率与 78 法则，新的车贷必须采用递减余额法并披露实际利率。该日期之前签的合约仍沿用原本的 flat rate 条款，所以目前仍有数以百万计的旧贷款在按旧算法运行。
      Does the new law apply to my existing car loan?新法令适用于我现有的车贷吗？
      No — it applies to new agreements only and was not made retroactive. Your existing contract keeps its flat rate and Rule of 78 settlement terms. What you do get is the goodwill discount that member banks agreed to offer on early settlement from 1 June 2026, which brings the payoff closer to a reducing-balance figure. It is discretionary and varies by bank, so you need to ask for it directly.不适用 —— 它只针对新合约，并未追溯生效。你现有的合约仍维持 flat rate 与 78 法则的结清条款。你能争取到的是成员银行自 2026年6月1日起同意提供的善意折扣，让提前结清的金额更接近递减余额的水平。这属于银行自行酌情提供，各家不同，你必须主动去争取。
      Should I settle my car loan early now?现在应该提早还清车贷吗？
      On a new reducing-balance loan, yes — every ringgit of principal repaid early immediately stops accruing interest, so the saving is real and immediate. On a pre-reform flat-rate loan the answer is more nuanced: the Rule of 78 rebate is far less generous, though the new goodwill discount improves it. Use the calculator above in legacy mode to see the gap, then get a written settlement quote before deciding.如果是新的递减余额贷款，值得 —— 你提前还的每一令吉本金都会立即停止计息，省下的是实实在在的。如果是改革前的 flat rate 贷款，就要看情况：78 法则的回扣远没那么慷慨，不过新的善意折扣有所改善。可以先用上方的「旧贷款」模式看清楚差距，再向银行索取书面结清报价才做决定。
      What car loan interest rate is reasonable in 2026?2026 年车贷利率多少算合理？
      Since rates are now quoted on an effective basis, compare them directly against other borrowing. Bank Negara's OPR is 2.75% and housing loans run around 4%. Car financing sits above that because a car depreciates, so something in the mid-single digits is normal. If a quote looks suspiciously low, confirm whether it is an effective rate or an old-style flat rate — a 3% flat quote is roughly 5.5% effective.由于现在报的是实际利率，你可以直接拿来跟其他借贷比较。国家银行 OPR 为 2.75%，房贷约 4%。车贷因为车子会贬值，通常高于房贷，落在单位数中段属正常。如果某个报价低得可疑，先确认那是实际利率还是旧式的 flat 利率 —— 报 3% flat 大约等于 5.5% 实际利率。
      Why was flat rate abolished?为什么要废除 flat rate？
      Because it systematically understated the true cost of borrowing. Charging interest on the full original principal for the entire tenure meant a headline rate of 3% actually cost around 5.5%, which made car loans look far cheaper than they were and impossible to compare fairly against other credit. Combined with the Rule of 78 penalising early settlement, borrowers were left with neither transparency nor a way out. The reform addresses both.因为它系统性地低估了真实借贷成本。按原始本金全额、整个年限计息，意味着表面 3% 的利率实际约 5.5%，让车贷看起来比实际便宜得多，也无法与其他信贷公平比较。再加上 78 法则惩罚提前结清，借款人既得不到透明度，也没有退路。这次改革同时解决了这两个问题。

      Need a website that brings you customers?想要一个能带来客户的网站？

      We build the demo first. You only pay when you are happy with it.我们先做好 demo 给你看，满意了才付款。

      Get a free demo免费获取 Demo