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Matematik Tingkatan 3 Bab 3
(d) Abdullah hendak membuat pinjaman sebanyak RM90 000 daripada sebuah bank. Dia bercadang untuk
1
menggunakan daripada gaji bulanannya untuk membayar ansuran bulanan selama 8 tahun. Diberi
4
bahawa gaji bulanannya ialah RM5 400. KBAT Menilai
1
Abdullah wants to apply a loan of RM90 000 from a bank. He plans to use of his monthly income to pay for the monthly instalment
4
for 8 years. It is given that his monthly income is RM5 400.
(i) Hitung kadar faedah tahunan maksimum yang dia boleh menanggung.
Calculate the maximum yearly interest rate that he can bear.
(ii) Jika Abdullah berjaya mendapat kadar faedah tahunan yang 1% lebih rendah daripada (i), bolehkah
dia mengurangkan tempoh bayar balik pinjaman kepada 7 tahun? Jelaskan jawapan anda.
If Abdullah manages to get the yearly interest rate 1% lower than in (i), can he reduce the loan repayment period to 7 years?
Explain your answer.

1 Jumlah bayaran balik/ Total repayment
(i) × 5 400 =
4 8 × 12
1 350 = Jumlah bayaran balik/ Total repayment
96
Jumlah bayaran balik/ Total repayment = RM129 600
Katakan r = kadar faedah tahunan
Let r = yearly interest rate
129 600 = 90 000 + (90 000 × r × 8)
720 000r = 39 600
r = 0.055
= 5.5%

(ii) Jumlah bayaran balik/ Total repayment
= 90 000 + (90 000 × 0.045 × 7)
= RM118 350

Bayaran ansuran/ Instalment = 118 350 = RM1 408.93
7 × 12
1
Tidak boleh. Hal ini demikian kerana bayaran ansuran bulanan melebihi daripada gaji bulanannya.
4
1
Cannot. This is because monthly instalment exceeds of his monthly income.
4

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