Soalan Lazim (FAQ)
About Tras
Tras CarCulator
Hire Purchase
Mengapa memilih Tras?
Kami menawarkan penyelesaian pinjaman kereta yang menyeluruh untuk setiap keperluan. Sama ada pembelian pertama, naik taraf kepada kenderaan keluarga, atau menambah koleksi kereta mewah — pilihan pembiayaan kami yang fleksibel direka agar disesuaikan dengan gaya hidup anda.
What are the benefits to apply your loan via Tras?
Applying for a car loan through our website is quick, easy, and secure. Not only do we offer competitive loan interest rate, we also have many Perkhidmatan Nilai Tambah for you!
Apakah itu CarCulator?
CarCulator ialah perkhidmatan yang membantu anda menilai kesihatan kewangan, termasuk semakan tempoh pinjaman, anggaran bayaran bulanan, kadar faedah dan kemampuan keseluruhan, agar selaras dengan bajet dan matlamat kewangan anda untuk memiliki kereta.
Mengapa perlu gunakan CarCulator?
Sebelum memohon pinjaman kereta, semakan kesihatan kewangan memastikan anda mampu menanggung bayaran bulanan tanpa masalah, termasuk kos lain yang berkaitan.
My CarCulator results say I should get a guarantor. What / Who is a Guarantor?
Guarantor is a close family that agreed to pay for your car loan if you were incapable to pay back the loan on any basis. A guarantor might be needed in the case of not having a stable income and a clean credit record or the current loan is higher than income percentage allowed by the applied bank.
Apakah dokumen yang diperlukan untuk permohonan pinjaman?
Sila sertakan dokumen berikut:
- 3 Bulan Slip Gaji Terkini
- 3 Bulan Penyata Bank Terkini
- Salinan Kad Pengenalan (depan & belakang)
- Lesen Memandu Sah
- Dokumen VSO
Apakah kadar faedah yang ditawarkan?
Kadar faedah berbeza mengikut kadar semasa bank yang dikawal selia oleh Bank Negara Malaysia.
How do I keep track of my loan application status?
You may log in into Tras platform as Customer to see your car financing status.
I am non-Malaysian. After booking a car, can I submit my car financing with Tras?
Yes, the platform can be used for Malaysian or non-Malaysian, but hire purchase agreement will be with local and panel Malaysian bank.
Is it possible to get a loan on used cars?
No, currently we only offer for new personal car.
If I want to cancel my loan application, what are the procedures?
Please contact your Sales Advisor for more.
Can I apply for company car loan?
No, currently we only offer for personal car.
