#flatrate

Früher war also nicht alles besser 🤗😂

http://1jux.net/779298?l=0&t=1

Tarifzonen-Kathrin (49) im Glück (LTE): Mein erstes unlimitiertes mobiles Internet!

Ich war selbst skeptisch, dass es mir auf Dauer gelingen würde, beim vernünftigen und eigentlich sowieso schon üppig bemessenen 1-GB-pro-Tag-Tarif von Freenet FUNK zu bleiben. Tatsächlich habe ich knapp vier Wochen durchgehalten, nämlich vom 17. Juni bis zum 11. Juli. Dann bin ich auf den unlimitierten Tarif umgestiegen, der statt 69 Cent pro Tag 99 Cent kostet. Ich hatte Besuch und wir wollten unbesorgt Netflix nutzen.

Der Besuch ist jetzt wieder weg. Ich habe den unlimitierten Tarif aber immer noch und gestern damit viele Stunden lang Serien geguckt, nur weil es geht. Ich glaube, ich bleibe dabei. Meine Freude über diesen Zustand ist 30 Cent pro Tag wert, auch an Tagen, an denen ich gar nicht stundenlang Netflix gucken werde (den meisten also). Endlich, endlich ausreichende Internetmengen, ich habe so lange darauf gewartet! 

Ungetrübtes Glück (Symbolbild)

So ganz traue ich mich noch nicht, an die neuen Zustände zu glauben, vor allem nach den zwei Ausfalltagen neulich. Ich warte darauf, dass sie bei Telefónica merken, dass sie sich verrechnet haben, und das Angebot einstellen, viel teurer machen oder die Vielverbraucher wieder rauswerfen. Oder dass alle merken, dass es dieses Angebot gibt und ihrerseits anfangen, im Telefónica-Netz ganztags Netflix zu gucken, bis der für mich zuständige Mobilfunkmast raucht und wieder nichts mehr geht. Aber das gehört zum Glück ja auch irgendwie dazu, dass man nicht weiß, wie lange es halten wird.

Buying a car in Malaysia has always involved navigating complex hire-purchase calculations. Most borrowers simply look at the monthly instalment without truly understanding how interest is charged — and how much more they actually pay over time.

But this is finally changing.

The Malaysian government has passed long-overdue amendments to the Hire-Purchase Act (HPA), marking one of the biggest reforms to consumer financing in decades. The update will abolish the flat rate and the Rule of 78, replacing them with a fairer, transparent method that gives borrowers better control and real savings, especially when settling loans early.

Here’s what every car buyer should know.

1. The Flat Rate & Rule of 78: Why They Were a Problem

For years, car loans in Malaysia relied on two outdated systems:

a) Flat Rate Method

Interest is calculated on the original loan amount, not on what you still owe.

Example:Loan amount: RM12,000Rate: 6%Total interest: RM720You pay interest as if you still owe RM12,000 every month — even when your balance is just RM1,000. Clear, but extremely unfair.

b) Rule of 78

This method doesn’t change the total interest — it changes when you pay it.

It "front-loads" interest into your first few payments.So in Month 1, a big chunk of your instalment goes to interest, not the principal.By Month 12, only a tiny portion goes to interest.

The problem:If you settle early (e.g., Month 6), you’ve already paid most of the interest upfront. Your savings are tiny.

These systems financially penalise responsible borrowers who want to clear debt faster.

2. The New Law: Fairer Car Loans With the Reducing Balance Method

The landmark change brings Malaysia in line with countries like Australia, Singapore and the UK.

Under the reducing balance method, interest is calculated monthly based only on what you still owe.

Example: 6% interest on RM12,000 loan Month 1 interest: RM60 Month 12 interest: RM5

As your principal goes down, your interest goes down.And if you settle early, you save proportionately — finally rewarding good financial behaviour.

3. Effective Interest Rate (EIR): True Transparency for Borrowers

Lenders must now clearly display the Effective Interest Rate (EIR) in:

brochures car loan ads financing agreements

Why this matters:EIR reflects the actual cost of borrowing.It allows consumers to compare loans apples‑to‑apples, instead of relying on misleadingly low flat-rate figures.

4. Digital Signatures Will Make Car Buying Faster

The amendments allow:

digital signing electronic loan agreements fully online processes

This removes the need for physical documents and in‑person signing — making car purchases smoother, especially for nationwide buyers.

5. What About Existing Car Loans?

If you already have a car loan, there’s good news:

You may switch to the new reducing balance method Both you and your lender must agree Some lenders may adopt the new system early, even before full enforcement in 2026

Watch for official notices from your bank.

6. When Will the New Rules Take Effect?

Banks and lenders have 18 months to update their systems, but many are expected to adopt the new method early.

Full implementation is expected in the first half of 2026.

What This Means for Malaysians

These changes represent a major win for car buyers:

Fairer interest calculations Real early settlement savings Transparent, honest loan cost comparison More convenient digital processes

Malaysia’s consumer credit landscape is evolving — and for once, the changes truly benefit ordinary people.

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