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Apa yang baru dengan moratorium 2.0 ni?

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Kalau sebelum ni loan jenis hire purchase; ie personal loan dan loan kereta tidak dikenakan interest/profit tambahan apabila anda pilih untuk moratorium.
Akan tetapi mengikut bacaan awal semasa, dengan moratorium 2.0, bagi loan jenis hire purchase, akan tetap berjalan interest/profit ke atas pinjaman/pembiayaan anda.
Ini akan mengikut kaedah yang sama macam loan rumah yang mana interest accrued dalam tempoh moratorium.
Tak faham apa tu interest accrued?

Boleh tengok video penerangan saya sebelum ini
Cuma apa yang kita belum jelas sama ada interest compounded atau tidak dalam tempoh moratorium 2.0 ini. Kemudian finalisation on the whole process juga perlu dijelaskan oleh pihak bank
Sebab ini akan melibatkan contract, especially bila melibatkan financing contract. Akan berlaku beberapa perbezaan dengan kontrak yang sedia ada.
So patut ke tak ambil moratorium ni?

Kalau anda jenis simpanan pun tak ada, bolehlah nak berkira-kira nak proceed. Duit moratorium tu buat simpanan kecemasan
Kalau anda jenis simpanan kecemasan dah solid, then nak opt out for the moratorium is quite good. So that anda boleh jimat on the interest charged.
Kalau anda ada teknik lain pusing-pusing, yang tu kena check dulu sama ada good to go, or cantik atas kertas je.
Dan lagi satu, untuk moratorium ni korang boleh pilih untuk proceed atau tak untuk moratorium
Actually dalam statement BNM before ni pun dah jelas interest continue to accrued. So technically, tak ada apa yang uturn or moratorium 2.0 sebenarnya.

Cuma BNM nak make sure banks being transparent to the client on the impact of opt in moratorium to your loan/financing
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