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Matematik
ingkatan 3
T

Bab 3
Matematik Tingkatan 3 Bab 3
21. Selesaikan masalah berikut yang melibatkan faedah sama rata.
Solve the following problems involving flat interest. SP 3.2.5 TP4 Tip Penting
(a) Harga kereta A ialah RM80 000. James menggunakan simpanannya • Faedah sama rata dikira
pada jumlah pinjaman asal
sebanyak RM8 000 sebagai wang pendahuluan semasa membeli sepanjang tempoh pinjaman.
kereta itu. Kemudian, dia mendapat pinjaman jumlah baki itu Flat interest is calculated on the
daripada bank dengan kadar faedah tahunan 4% selama 8 tahun. original loan amount over the
loan period.
Hitung jumlah bayaran balik pinjaman. • Faedah atas baki yang
The price of car A is RM80 000. James used his savings of RM8 000 for down payment dikenakan setiap bulan ke
when buying the car. Then, he got a loan for the balance from a bank with the yearly atas pinjaman bergantung
interest rate 4% for 8 years. Calculate the total amount of loan repayment. kepada jumlah baki pinjaman
Prinsipal, P/ Principal, P = 80 000 − 8 000 pada bulan tersebut.
= RM72 000 Interest on balance charged each
month on the loan depends on the
Jumlah bayaran balik/ Total repayment amount of the loan balance for
that month.
= P + Prt
= 72 000 + (72 000 × 0.04 × 8)
= RM95 040 Tip Penting
Rumus untuk pinjaman dengan
(b) Encik Tan membuat pinjaman peribadi sebanyak RM100 000 daripada faedah sama rata ialah
The formula for the loan with flat
sebuah bank untuk membeli peralatan kilangnya. Diberi bahawa interest is
kadar faedah yang dikenakan ialah 5% setahun. Hitung bayaran A = P + Prt
ansuran bulanan Encik Tan jika tempoh pinjaman ialah 9 tahun. dengan keadaan/ where
Mr Tan made a personal loan of RM100 000 from a bank to buy the equipments for A = jumlah bayaran balik
his factory. It is given that the interest rate is 5% per annum. Calculate the monthly total repayment
instalment of Mr Tan if the loan period is 9 years. P = prinsipal
Jumlah bayaran balik/ Total repayment principal
= 100 000 + (100 000 × 0.05 × 9) r = kadar faedah
interest rate
= RM145 000 t = masa
time
Bayaran ansuran/ Instalment = 145 000 Bayaran ansuran/Instalment
9 × 12 Jumlah bayaran balik
= RM1 342.59 = Jumlah bilangan ansuran
Total repayment

Total number of instalment

22. Selesaikan masalah berikut yang melibatkan faedah atas baki. SP 3.2.5 TP4
Solve the following problems involving interest on balance.

Encik Law membuat pinjaman peribadi sebanyak RM20 000 daripada sebuah bank dengan kadar faedah
5.5% atas baki setahun. Tempoh bayaran balik ialah 5 tahun dan ansuran bulanan ialah RM425. Andaikan
Encik Law membayar ansuran bulanan tersebut setiap akhir bulan. Lengkapkan jadual di bawah dengan
jumlah baki pinjaman pada awal bulan dan faedah yang perlu dibayar oleh Encik Law setiap bulan bagi
3 bulan pertama.
Mr Law obtained a personal loan of RM20 000 from a bank with an interest rate of 5.5% on the balance per annum. The repayment
period is 5 years and the monthly instalment is RM425. Assume that Mr Law pays the monthly instalment at the end of every month.
Complete the table below with the balance of the loan at the beginning of the month and the amount of interest payable by Mr Law
each month for the first 3 months.
Bulan pertama Bulan kedua Bulan ketiga
First month Second month Third month
Jumlah baki pinjaman RM20 000 20 000 + 91.67 – 425 19 666.67 + 90.14 – 425
pada awal bulan = RM19 666.67 = RM19 331.81
Balance of the loan at the
beginning of the month
Faedah 0.055 0.055 0.055
Interest 20 000 × 12 19 666.67 × 12 19 331.81 × 12
= RM91.67 = RM90.14 = RM88.60

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