{"id":5581,"date":"2025-03-27T04:28:31","date_gmt":"2025-03-27T04:28:31","guid":{"rendered":"https:\/\/fmos.org.my\/?p=5581"},"modified":"2026-04-29T15:44:54","modified_gmt":"2026-04-29T07:44:54","slug":"loans-imposing-of-punitive-interest-pricing","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/loans-imposing-of-punitive-interest-pricing\/","title":{"rendered":"Pinjaman \u2013 Penetapan Harga Faedah yang Berat"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Pada tahun 2005, Encik Tan telah memohon pinjaman perumahan daripada sebuah bank. Beliau menerima tawaran daripada pihak bank dan menerima tawaran tersebut dalam bulan yang sama. Setelah melengkapkan semua dokumen yang diperlukan, pinjaman tersebut telah disalurkan sepenuhnya, dan Encik Tan mula membuat bayaran ansuran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sepanjang tempoh pinjaman, Encik Tan gagal membayar jumlah ansuran penuh, menyebabkan pihak bank menaikkan kadar faedah pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan Surat Tawaran daripada pihak bank, ia menyatakan bahawa pihak bank berhak untuk menaikkan kadar faedah sekiranya terdapat tunggakan atau bayaran ansuran tidak penuh. Encik Tan telah memohon bayaran balik terhadap caj faedah yang dinaikkan, namun permohonannya ditolak oleh pihak bank. Selepas meneliti kes ini, pengurus kes mendapati bahawa Encik Tan hanya terlepas satu bayaran kecil pada awal tempoh pinjaman. Walau bagaimanapun, pihak bank mengenakan kadar faedah penalti sebagai tindakan balas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pengurus kes telah membentangkan penemuan kepada pihak bank, dan bank bersetuju menawarkan pelepasan 50% daripada caj faedah penalti sebagai tanda keprihatinan. Encik Tan bersetuju dengan tawaran bank, dan kes diselesaikan secara baik.<\/p>","protected":false},"excerpt":{"rendered":"<p>In 2005, Mr. Tan applied for a housing loan from a bank. He received an offer from the bank and accepted it within the same month. After completing the necessary documentation, the loan was fully disbursed, and Mr. Tan began making repayments. During the loan term, Mr Tan failed to pay the full instalment amount, [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5418,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26,25],"tags":[],"class_list":["post-5581","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-islamic-banking-payment-systems","category-case-studies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loans \u2013 Imposing of Punitive Interest Pricing - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/loans-imposing-of-punitive-interest-pricing\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loans \u2013 Imposing of Punitive Interest Pricing - FMOS\" \/>\n<meta property=\"og:description\" content=\"In 2005, Mr. Tan applied for a housing loan from a bank. 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