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Berikut adalah penjelasan lengkap tentang Perbezaan Ah Long vs Syarikat Pinjaman Wang Berlesen vs Bank  untuk rujukan lengkap anda.

Perbezaan Ah Long vs Syarikat Pinjaman Wang Berlesen vs Bank yang orang

 Kuching wajib tahu!..

Kepada warga kuching dan warga yang berdekatan dengan Bandaraya 
Kuching.Anda semua wajib tahu Perbezaan Ah Long vs Syarikat Pinjaman
 Wang Berlesen vs Bank.
Ada masa dan ketika, kita akan menghadapi situasi di mana kita memerlukan 
wang ketika kecemasan.
Semua orang akan menghadapinya dari semasa ke semasa.
Dalam situasi ini, anda mungkin terfikir untuk menggunakan perkhidmatan
 pemberi pinjaman wang atau bank untuk keluar dari kemelut kewangan yang 
sedang anda hadapi.
Walau bagaimanapun, dalam keadaan tertekan, anda mungkin dikaburi 
dengan tawaran-tawaran perkhidmatan pinjaman wang yang sukar untuk 
dilepaskan, yang mana adalah sebenarnya jerat pemberi pinjaman wang tidak
berlesen atau Ah Long.
Kegagalan anda untuk membezakan di antara Ah Long, syarikat pinjaman
wang berlesen, dan bank boleh memburukkan lagi keadaan. Berikut adalah 
perbezaan-perbezaan yang perlu anda ketahui, sebagai panduan untuk anda 
membuat pilihan yang tepat:

Akta Pemberi Pinjam Wang 1951

Akta Pemberi Pinjam Wang 1951, diwartakan sebagai undang-undang

Akta tersebut menggariskan kegiatan-kegiatan atau tindakan-tindakan 

yang dianggap sebagai menyalahi undang-undang yang diperuntukkan di bawah
Akta ini.
Sebaik sahaja anda memahami apakah yang terkandung di dalam Akta Pemberi
 Pinjam Wang 1951, anda akan dapat mengenalpasti dengan lebih mudah 
sama ada perkhidmatan yang sedang anda pertimbangkan adalah sah atau 
tidak dari segi undang-undang.
Menurut Akta ini, di bawah Seksyen 5(2), syarikat pemberi pinjaman wang, 
pertama sekali, mestilah mempunyai lesen untuk beroperasi.
Dan di bawah Seksyen 5F Akta ini, lesen tersebut juga mesti dipamerkan di 
pejabat operasi.

syarikat pemberi pinjaman wang berlesen.
Anda perlu tahu bahawa Bank Negara Malaysia (BNM) tidak mengeluarkan 
lesen kepada syarikat-syarikat pemberi pinjaman wang di Malaysia. Lesen
 tersebut dikeluarkan oleh Kementerian Kesejahteraan Bandar, Perumahan dan 
Kerajaan Tempatan.
Akta Pemberi Pinjam Wang 1951 juga memperuntukkan kadar faedah yang 
boleh dikenakan ke atas peminjam.



Sesetengah Ah Long dikatakan mengenakan caj gaji mereka pada kadar harian 
dan jam, yang mana adalah sesuatu yang tidak masuk akal.
Di bawah Seksyen 17(1) yang terkandung di dalam Akta ini, kompaun faedah 
atau peningkatan faedah secara berkala apabila anda gagal membayar 
pinjaman adalah tidak dibenarkan.
Syarikat pinjaman wang berlesen hanya boleh mengenakan kadar faedah 
maksimum 12% setahun untuk pinjaman bercagar dan 18% setahun 
untuk pinjaman tanpa cagaran.
Setelah anda tahu sedikit sebanyak tentang undang-undang yang melindungi 
anda  dari Ah Long, mari kita lihat pula apakah perbezaan dan persamaan di 
antara syarikat pinjaman wang (berlesen) dan bank.

Syarikat Pinjaman Wang Berlesen & Bank – Persamaan

Terdapat dua cara pinjaman wang dengan Syarikat Pinjaman Wang Berlesen
bersamaan dengan pinjaman wang dengan bank:
· Bank dan syarikat pinjaman wang berlesen mengenakan faedah untuk
 pinjaman peribadi;
· Bank dan syarikat pinjaman wang berlesen kedua-duanya 
mengenakan caj penalti ke atas pembayaran lewat atau kegagalan 
membayar balik pinjaman.

Syarikat Pinjaman Wang Berlesen & Bank – Perbezaan

 Perbezaan-perbezaan utama adalah:
· Saiz pinjaman yang boleh anda perolehi
· Seberapa cepat anda boleh mendapat kelulusan untuk permohonan 
pinjaman anda
· Kadar faedah pinjaman
· Kadar kelulusan pinjaman untuk peminjam yang mempunyai rekod
 kredit yang kurang memuaskan

Saiz Pinjaman

Bank boleh menawarkan pinjaman dalam jumlah yang jauh lebih besar
berbanding syarikat pinjaman wang berlesen.
Bank biasanya boleh menawarkan pinjaman sehingga RM150,000 manakala 
had maksimum syarikat pinjaman wang berlesen selalunya RMxxxxxx.
Ini adalah kerana bank mempunyai akses kepada wang tunai dan
 perkhidmatan lain seperti akaun simpanan, deposit, pelaburan, dan wang lain.
Walaupun sesetengah syarikat pinjaman wang berlesen dapat mengeluarkan 
pinjaman yang bersaiz besar, syarikat pinjaman wang berlesen tidak mempunyai
 modal operasi 
yang besar dan tidak dapat memberikan pinjaman lebih daripada beberapa ribu.
Pendek kata, jika anda perlu meminjam wang yang banyak untuk pembelian
 kereta atau rumah baru, anda harus meminjam dari bank. Jika anda perlu 
meminjam wang untuk keperluan ketika kecemasan, anda harus meminjam 
dari syarikat pinjaman wang berlesen.


Kecepatan Pemprosesan Permohonan Pinjaman

Memandangkan bank membuat penelitian yang teliti ketika memproses
 permohonan pinjaman, ia bukanlah pilihan yang terbaik jika anda ingin
 mendapatkan wang pinjaman hari ini atau esok.
Meskipun terdapat beberapa bank yang meluluskan dan melepaskan wang 
pinjaman lebih cepat berbanding yang lain, rata-rata bank akan mengambil 
masa kira-kira 5 hari bekerja sebelum wang pinjaman dikreditkan ke akaun anda.
Sebaliknya, syarikat pinjaman wang berlesen boleh menyediakan wang
 pinjaman untuk anda dalam masa yang lebih singkat kerana mereka tidak
 perlu mendapatkannya dari sumber-sumber operasi lain.

Peratusan Kadar Faedah

Walaupun kebanyakan syarikat pinjaman wang berlesen tidak akan
 menyatakan kadar faedah yang mereka kenakan ke atas pinjaman melalui 
telefon atau e-mel, anda boleh mengagak kadar faedah pinjaman akan berada 
di dalam lingkungan yang ditetapkan.
Sekiranya mereka mengenakan kadar faedah yang lebih dari itu, anda boleh 
merasa pasti bahawa syarikat tersebut adalah sebenarnya Ah Long.
Walaupun bank mungkin mempunyai kadar faedah yang sedikit lebih tinggi, 
anda juga boleh meminjam dalam jangka waktu yang lama.
Bank menawarkan tempoh pinjaman yang lebih lama – kadangkala sehingga 
10 tahun atau lebih.

Fleksibiliti Terhadap Rekod Kredit Yang Kurang Memuaskan

Jika anda ingin meminjam wang tetapi mempunyai rekod kredit yang kurang 
memuaskan, anda tidak meminjam dari bank.
Bank akan meneliti keseluruhan rekod kredit anda, dari segi rekod
 pembayaran pinjaman, gaji, dan status kewangan di masa lalu.
Jika anda tidak memenuhi syarat minimum untuk pinjaman, kemungkinan 
permohonan anda tidak akan diluluskan.
Ketika inilah syarikat pinjaman wang berlesen adalah pilihan yang tepat.
Ini adalah kerana syarikat pinjaman wang berlesen tidak mengeluarkan
 jumlah pinjaman wang yang besar, oleh itu, mereka tidak perlu memeriksa 
rekod kredit anda dengan teliti.
Walaupun mereka meminta maklumat kewangan, kadar kelulusan permohonan
 pinjaman jauh lebih fleksibel berbanding dengan bank.

Kesimpulannya

Jadi mari kita simpulkan semuanya: Ah Long 100% tidak sah dari segi 
undang-undang, dan melakukan bertentangan dengan apa yang dilakukan 
oleh mana-mana syarikat pinjaman wang berlesen yang mematuhi 
undang-undang.
Ah Long akan mengenakan kadar faedah pada kadar yang tidak masuk akal, 
mengeluarkan iklan yang mencurigakan, mempamerkan lesen palsu, tidak 
mempunyai pejabat operasi yang sah, dan mungkin akan menggunakan 
kekerasan ke atas diri anda.
Syarikat pinjaman wang berlesen dan bank kedua-duanya mengendalikan 
peminjaman wang sebagai transaksi perniagaan.
Walaupun kedua-dua perkhidmatan ini, mengenakan kadar faedah ke atas 
pinjaman, masa yang diambil untuk memproses permohonan pinjaman, jumlah 
wang yang dipinjamkan, dan kadar kelulusan permohonan pinjaman berbeza di 
antara kedua-duanya.
Dengan panduan ini, anda sekarang boleh membuat keputusan yang 
tepat sama ada untuk menggunakan perkhidmatan syarikat pinjaman wang 
berlesen atau bank, di samping mengenalpasti dan menjauhi Ah Long.

Tired of Experiencing Automobile Gas Pains?

For years I was fortunate enough to drive more types of trains. However, my situation changed by requiring a trip three hours a day to work. Our gas prices in my thinking have risen out of the chart, especially when we live in countries with their own oils. American gas has risen, but unlike Canadian fuel costs. Canada also pays in additional pumps by 37% in taxes and government fees. I do not believe O.P.E.C is a lot for North American users. Many oil-rich middle east countries do not impose their world population prices, or major taxes on oil. Since we all experience this situation one way or the anter, here are my tips to minimize the pain of your car gas ...
Tired of Experiencing Automobile Gas Pains? For years I was fortunate enough to drive more types of trains. However, my situation changed by requiring a trip three hours a day to work. Our gas prices in my thinking have risen out of the chart, especially when we live in countries with their own oils. American gas has risen, but unlike Canadian fuel costs.

I am just buying mechanically inspected mechanic cars for safety. I have another article on this so-called website, how you can save money on used car hire, but my focus especially in this article is the fuel economy. Wandering back to work takes me 3 hours a day doing like 3000 miles or 5000 Kilometers a month. It can cost up to $ 800 up to $ 1200 / monthly, but I pay $ 425.00. In addition to my purchased vehicle fuel oil, there are some other things I do:

• I store half-tank, buy gas for the day, and never fill up the tank until an amazing price deal comes.
• My tire air pressure is checked weekly, making a difference in the fuel economy as well.
• Twice a year tuned vehicles, spark plugs, air filters make less spending on pumps.
• I work at 60 miles / hour or 100 kilometers. They say it's the most effective road speed to reduce fuel costs.

I realize most people do not do 30,000 miles or 50,000 miles each year. Although I know my tips for more gas efficiency will help everyone.

As a sidebar ... There are very few people I talk about the price of a happy gas, but they still suffer in silence. Maybe it's time for us to hear by the government? May use the same platform that social issues work effectively here. Imagine the crowds that show peacefully throughout the country at the same time, social media sites become viruses at gas prices, and news covering events around the world. I believe it will only change to the price of gas in force. The government may be aware that if changes are not made, they may not be re-elected. Just anther think in helping us solve the pain of our car gas suffering every day!

The main benefit of keeping your car longer.

Buying a new car is interesting. New fun and it has a new car smell. At first you get all the benefits to having a new car like a maintenance plan and a service plan that takes care of everything for you. After that period ends, some people sell their cars to buy new ones, while others still like their cars and tend to keep them longer. Is it wise to keep your car longer?

Well, it will depend on you, but here are some reasons that can help you with your decision.
The main benefit of keeping your car longer
The main benefit of keeping your car longer 

The main benefit of keeping your car longer is that you will pay it completely after five years. After that, you will not have a monthly car payment to get you financially. In this sense, it's a good idea to take care of your car.
Consider whether your car is still in good condition and it is a good way. If there is a lot of accidents and the performance of the car is affected then it may not be a good idea to keep the car. However, if there are only a few dents or scratches then it's not a crushing train. Or maybe it was just a small accident and the car was repaired by a reputable mechanic, and since then there was no problem with it. In such cases, you can still consider keeping it. The most important part is that it's still safe to drive.
Before the maintenance plan is completed, you can choose to take an advanced motor plan. This will give you the same benefits as you have before and it will give you additional peace of mind if anything is broken or needs to be replaced. It is always a good idea to be covered by scenarios as it happens.
If you do not choose an advanced motor plan then you may want to investigate what the general price range for the car part for your particular vehicle. Are the parts expensive or reasonable if there is something to be replaced? Are you able to afford it? It may be advisable to save some of the money you use to pay monthly car installments. The savings may be used for services, any replacement parts or braking maintenance services.
Besides just loving your car, there are a few quick reasons why you need to keep it.

Driving when sleepy - What's the Problem? Many people are aware of the peril driving while drunk, but many who do not have the foggiest idea about laziness also prevent time of judgment, execution and reactions such as liquor and medicines. Contemplates show that conscious for more than 20 hours brings the impedance equivalent to the separation of blood alcohol by 0.08, as far as possible in all states.
Driving when sleepy - What's the Problem?

The National Highway Administration of Road Safety is moderately assessing that 100,000 policemen reported crashes annually due largely by tired driving and the crash resulted in more than 1,550 routes, 71,000 injuries and $ 12.5 billion in money-related problems. As demonstrated by the National Sleep Foundation's review, half of American adults are sure to report that they have been pushed slowly and about 20% admit that they have really nodded at the worst times of the previous year. This handbook reference is an essential determination about drowning in the driver's seat and offering tips to enable you to drive the alarm and suddenly live.

Look Out for Sleep Signs

Most are bad when anticipating when they will nod. At any rate, there are major warning signs to be revealed to you when you are too dry, making it impossible to drive, including:

• Problem centered, keeping your eyes open or your head

• Inhale or rub your eyes repeatedly

• Complaining and lazy

• Avoid your passage, signs or exits that are detailed and lost

• Feel fretful, crabby or strong

• Turn on the radio or move down the window

• Slower response time, wrong thinking

Keep Fall Fall Sleepy

The most ideal approach to avoiding a sluggish driving accident is to get a satisfying thought on standard premises, to sharpen a great resting-up, and seek treatment for resting problems, if they arise. In addition, there are some important driving rules and regulations:

DO NOT

• Drive if you are draining or taking medication that can cause drowsiness. (Check your prescription and specialist email address)

• Depending on the radio, open windows or different traps to make sure you are always on the alert.

• Drive now and again when you will always pulsate.

• Drink even a small amount of liquor, especially if you are damp.

DO

• Get a good night's rest before driving long.

• Turn off the road if you see any fatigue notice notice.

• Connected - find a shelter for a period of 15 to 20 minutes.

• Take caffeine - some espresso similarities can build up for a few hours, but DO NOT depend on it for a long time.

• Try caffeine production before taking a break for the benefit of both.

Drive with friends. A vigilant traveler can help find signs of fatigue in the driver and can drive otherwise, if important.

Always wear your safety belt.

These are signs that you may be in danger of nodding in the driver's seat. If you find any of these, instantly draw in a protected area, change the driver, relax for a while, eat caffeine or get a place to relax at night.

Driving Languid - Who's At The Most Risky?

Any individual driving identity at risk of nodding at the worst times, but some individual assemblies are more dangerous than others. They include:

• Young drivers - Combine freshness with drowsiness and tendency to drive around the evening putting children at risk, especially men aged 16 to 25 years.

• Shifts of experts and working individuals extend the time period - People who work shifting the night, spinning shifts, moving twice or working more than one job have an increase in six spreadsheets in a slow driving accident.

• Commercial guides - Those who drive some high miles and drive around the evening are basically higher in danger of being unemployed from accidents. Business drivers have also been seen as a high risk for break issues.

• People with untreated rest, for example, obstructive sleep apnea (OSA) - People with untreated OSA are up to seven times easier to experience slow drive accidents. For some sleep disorders can build up weaknesses.

• Business traveler - Frequent explorers who may experience slack zone and air junction, spending time



Tips to Help Choose the Right Driving Instructor

Choosing the right driving instructor is an important step for parents and students. Qualified drivers can teach lessons to focus on ensuring that young drivers are in a better position to follow the best driving habits. On average, young drivers need about 20 hours of personal training and 40 hours of professional teaching. While it may be tempting to choose a driving instructor based on the cost per lesson, there are other things to consider to be a sure driver.

Let's take a look at some of the most important things to consider:

Use a fully qualified driver


The most productive lessons will come from using qualified teachers. You should ask potential teachers whether they are a coach or fully qualified. They need to display the appropriate badge in the car window to showcase their eligibility. A qualified instructor will have a green badge, while the coach will have a pink color. Also, teachers are rated. The best teachers have grades A or B, which can be checked by looking at their certificates. In addition, it should be asked about the passing rate of potential teachers to get further guidance on their ability to teach student guides.
Tips to Help Choose the Right Driving Instructor


Get personal referrals


The most effective way to find reputable teachers is to get personal referrals from friends, family members or co-workers who have recently passed their test. Any instructor who can explain things clearly, appearing on time and putting the driver easily will be easy to propose.


Is the price competitive?


Costs quoted by different driving schools are definitely in price, so it's worth shopping. It's unlikely to benefit from just going with a teacher who cites the cheapest price per lesson, especially if you end up having to book more lessons. Although pricing is a major factor, it is also important to consider eligibility. Additionally, it may be beneficial to use independent instructors as they do not have to raise their prices to cover the franchise fee for their brand. The length of the lesson can range from 45 to 60 minutes, so it should be checked before making a reservation. Additionally, it should not make a block booking until two or three lessons have been completed with certain instructors to ensure they are appropriate for your personality.



A lot of us face a problem of bad odor inside the car. Actually, extra odor inside the car is the reason to perform a complete inspection and find the reason. There is no universal solution to the problem. First, you need to find the source of it.

Source of the smell is bacteria, which can grow up in dirty places. In some cases, when you breathe same air your lunges can become seek and you will require visiting your doctor.

Bad odor can be dangerous for a driver because he cannot concentrate on the road. Most affordable way to eliminate it - is to spray the deodorants. That kind of deodorants cannot destroy the odor - they just mask it for several days.
A lot of us face a problem of bad odor inside the car

Let us say the petrol smell means that most likely drainage line of petrol tank required cleaning. If you have engine oil odor than need to check engine gaskets and seals. Most dangerous is burning smell and need to check electric wire.

Other main sources are:

- air conditioner vents,

- drinks/food on the seats,

- shoe traces on the car floor carpet,

- plastic parts of the car interior can have a bad smell, and they require specific polishing substances,

- cigarette/tobacco smell is most common; it can stay inside fabric and under the roof upholstery and ashtray of course; most of the smoking drivers do not feel the smell inside his car,

- fish, onion, egg, and urine - those 4 will produce the worst ever smell once you forgot them to remove.

Many people use old simple methods, which are actually very useful to remove the:

- dry smell - mix baking soda in water, and then spray inside the car for 3-4 hours,

- wet smell - coffee beans inside the fabric bag; keep them inside at least 3 days,

- tobacco smell - keep the plate with a paper towel inside the car and feel the plate with vinegar; remove the plate after 4-5 hours, or vanilla extract - just apply several drops on the seats,

Most regular methods to keep car interior fresh are:

- regular general cleaning with a vacuum cleaner,

- scrub the car interior to release the dirt,

- do not forget food and drinks inside,

- regularly replace the cabin filter,

- the more fresh air inside the car,

- wipe the car dashboard,

- steam clean interior,

- ozone generators.

If you do not feel bad odor it does not mean that the air is fresh. Usually you feel comfortable with your body smell but in fact, it is changing every day and your car interior accumulates all those odors. The ones body smell depends on main 3 reasons:

- how often you use the shower,

- your physical activity,

- your food and drinks.

Many food ingredients from fast food restaurants can specify your body smell. Let us say alcohol, sunflower oil, spicy, potato fries, red meat - if you like them too much it means you will have special and usually negative smell within an hour's after having your launch.

That is why regular cleaning is a must procedure for your vehicle. In that cases, you can also use dry fogging - a special process when the hygienically approved substance will act as a fog inside the car and reach bacteria in all places even under the roof and eliminate them. As a result, the original factory smell will return to your car.


Car hire is traditionally considered a useful phenomenon for more than one reason. At the beginning, if you rent a car instead of buying the same, you will definitely avoid a lifelong commitment to a car with a depreciation value. Adding that, you cough less on maintenance and as a monthly fee as well. Discovering below is another reason why car leasing turns out to be a good choice for you!

Trains with "better value" are guaranteed!


When compared to buying, the lease remains a better option because you do not necessarily pay the car's depreciation during the lease term only. Because you do not have it, you do not actually make the car value for a longer time. Your monthly payment, the result, is lower than any other form of finance. This, in turn makes you have the option of making sure to make or cut more justified. You are essentially driving a car mostly during years of trouble.
Car hire is traditionally considered a useful phenomenon for more than one reason.

latest technology


As someone hiring a new car, you really enjoy access to the latest tech support car. For example, MirrorLink is one of the popular additions to modern techniques. It syncs your smartphone screen with your car to get better night vision. Then there is an Autonomous Emergency Braking that minimizes accident risk.

Down Payment is not always Mandatory!


If you rent a car, you have the option of not repaying the payment. However, you have to pay the first month together with the official registration and tag fee. In this case, it must be mentioned that there is also a car lease promotion offer that requires you to cough up the advance payment.

What Is Ticketing Monitoring Tickets: How Can You Avoid Them?


Large ticket monitoring costs can be avoided accordingly as well. Since you are driving a car in trouble-free years, you will not really need to replace the aircon units or for that time belt. What else? You probably do not even need a battery!

Is manufacturer's guarantee protected?


If you save enough to lease terms that are almost identical to manufacturer's warranty protection, you will actually repair your car. Depending on the terms of the lease, you can also find some companies that offer free scheduled maintenance services.



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