汽车贷款是大马人破产的第二大原因！

Ray Chan

02.02.2023 06:43 PM

根据大马破产局（MDI）的最新报告，2018 年至 2022 年 12 月期间，共有 49,133 位大马人宣布破产，其中 14.39% 源自汽车贷款。

当中因车贷引发的破产案件多达 7,072起，成为仅次于个人贷款的第二大破产案件，占总数 42.24%，即20,754 起。

尽管是自 2018 年以来第二大破产原因，但案件数量已从 2018 年的 3,392 起稳步下降到 2022 年的 441 起。根据 MDI 的数据，仅在 2022 年，汽车贷款仅是申报破产的第四大原因。

MDI 报告还显示这些破产案件的年龄分布，最高年龄为 35 至 44 岁之间的人群，它们包揽 18,454 起或 37.56%。

至于欠款金额，大部分个案欠款介于 RM 100,000 to RM 499,999.之间。MDI 从 2021 年 7 月开始的数据显示，超过 60% 的案件欠款超过 RM 100,000，这大约是一辆车的价格，许多大马通常非常不推荐以 9 年期贷款购买汽车。

当地大学 UCSI 最近发表的另一项研究发现，在 1,077 名年龄在 18 至 40 岁之间的大马人中，其中 73% 的大马人负债累累，当中 30% 贷款用于购买汽车。如果你想购买一辆全新的汽车，也许是时候考虑避免使用 9 年期贷款。

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Ray Chan

Writer

曾经是一位汽车媒体人，直到拥有人生的一部车才对车充满热情。快乐其实很简单，一台敞篷车，一个目的地，因为驾驶乐趣从来不是指速度。...

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HomeNews汽车贷款是大马人破产的第二大原因！