{"id":1904,"date":"2025-11-01T05:56:21","date_gmt":"2025-11-01T05:56:21","guid":{"rendered":"https:\/\/protonmalaysia.com.my\/?p=1904"},"modified":"2026-07-31T13:07:56","modified_gmt":"2026-07-31T13:07:56","slug":"proton-step-up-financing","status":"publish","type":"post","link":"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/","title":{"rendered":"Proton Step Up Financing 2026: Jadual Ansuran dan Syarat Mohon"},"content":{"rendered":"<h2 id=\"h-proton-step-up-financing\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proton_Step_Up_Financing\"><\/span>Proton Step Up Financing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Proton Step Up Financing<\/strong>, yang turut dicari sebagai <strong>Pembiayaan Step Up Proton<\/strong>, <strong>Step Up Financing Proton<\/strong>, <strong>Proton Step Up Loan<\/strong> dan <strong>Pelan Pembiayaan Step Up Proton<\/strong>, ialah pelan pembiayaan kereta dengan ansuran lebih rendah pada peringkat awal. Selepas tempoh tersebut tamat, bayaran bulanan akan meningkat mengikut tier dan jadual yang ditetapkan oleh pihak bank.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Proton_Step_Up_Financing\" >Proton Step Up Financing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Apa_Itu_Proton_Step_Up_Financing\" >Apa Itu Proton Step Up Financing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Ringkasan_Proton_Step_Up_Financing_2026\" >Ringkasan Proton Step Up Financing 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Bagaimana_Pelan_Proton_Step_Up_Financing_Berfungsi\" >Bagaimana Pelan Proton Step Up Financing Berfungsi?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Contoh_mudah\" >Contoh mudah<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Proton_Step_Up_Financing_Public_Bank\" >Proton Step Up Financing Public Bank<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Contoh_Proton_Saga_melalui_Public_Bank\" >Contoh Proton Saga melalui Public Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Contoh_Proton_S70_melalui_Public_Bank\" >Contoh Proton S70 melalui Public Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Contoh_Proton_X50_melalui_Public_Bank\" >Contoh Proton X50 melalui Public Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Nota_penting_Public_Bank\" >Nota penting Public Bank<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Proton_Step_Up_Financing_Bank_Muamalat\" >Proton Step Up Financing Bank Muamalat<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Struktur_tier_Proton_Step_Up_Financing_Bank_Muamalat\" >Struktur tier Proton Step Up Financing Bank Muamalat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Contoh_Proton_Saga_Bank_Muamalat\" >Contoh Proton Saga Bank Muamalat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Contoh_Proton_S70_Bank_Muamalat\" >Contoh Proton S70 Bank Muamalat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Contoh_Proton_X50_Bank_Muamalat\" >Contoh Proton X50 Bank Muamalat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Model_lain_dalam_jadual_Proton_Step_Up_Financing_Bank_Muamalat\" >Model lain dalam jadual Proton Step Up Financing Bank Muamalat<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Public_Bank_vs_Bank_Muamalat\" >Public Bank vs Bank Muamalat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Model_Proton_yang_Layak_Untuk_Proton_Step_Up_Financing\" >Model Proton yang Layak Untuk Proton Step Up Financing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Contoh_Ansuran_Mengikut_Model_dan_Varian\" >Contoh Ansuran Mengikut Model dan Varian<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Artikel_Proton_Step_Up_Financing_Mengikut_Varian\" >Artikel Proton Step Up Financing Mengikut Varian<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Proton_Saga\" >Proton Saga<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Proton_S70\" >Proton S70<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Syarat_Kelayakan_Proton_Step_Up_Financing\" >Syarat Kelayakan Proton Step Up Financing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Dokumen_yang_Biasanya_Diperlukan\" >Dokumen yang Biasanya Diperlukan<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Pemohon_Bergaji\" >Pemohon Bergaji<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Bekerja_Sendiri_atau_Berniaga\" >Bekerja Sendiri atau Berniaga<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Kelebihan_Proton_Step_Up_Financing\" >Kelebihan Proton Step Up Financing<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#1_Bayaran_awal_lebih_rendah\" >1. Bayaran awal lebih rendah<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#2_Memberi_ruang_kepada_aliran_tunai\" >2. Memberi ruang kepada aliran tunai<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#3_Pilihan_bank\" >3. Pilihan bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#4_Sesuai_untuk_pendapatan_yang_dijangka_naik\" >4. Sesuai untuk pendapatan yang dijangka naik<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Kekurangan_dan_Risiko_yang_Perlu_Dipertimbangkan\" >Kekurangan dan Risiko yang Perlu Dipertimbangkan<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#1_Ansuran_akan_naik\" >1. Ansuran akan naik<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#2_Bayaran_pada_tahun_akhir_lebih_tinggi\" >2. Bayaran pada tahun akhir lebih tinggi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#3_Pendapatan_belum_tentu_meningkat\" >3. Pendapatan belum tentu meningkat<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Step_Up_Financing_vs_Pinjaman_Kereta_Biasa\" >Step Up Financing vs Pinjaman Kereta Biasa<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Siapa_yang_Sesuai_Memilih_Pelan_Ini\" >Siapa yang Sesuai Memilih Pelan Ini?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Semak_Kelayakan_Proton_Step_Up_Financing_Melalui_WhatsApp\" >Semak Kelayakan Proton Step Up Financing Melalui WhatsApp<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Kesimpulan_Untuk_Kempen_Proton_Step_Up_Financing\" >Kesimpulan Untuk Kempen Proton Step Up Financing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#FAQ_Proton_Step_Up_Financing\" >FAQ Proton Step Up Financing<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Apakah_Proton_Step_Up_Financing\" >Apakah Proton Step Up Financing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Bagaimanakah_ansuran_Step_Up_berfungsi\" >Bagaimanakah ansuran Step Up berfungsi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Berapakah_ansuran_paling_rendah\" >Berapakah ansuran paling rendah?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Adakah_RM188_sebulan_kekal_selama_sembilan_tahun\" >Adakah RM188 sebulan kekal selama sembilan tahun?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Apakah_beza_Public_Bank_dan_Bank_Muamalat\" >Apakah beza Public Bank dan Bank Muamalat?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Model_Proton_mana_yang_layak\" >Model Proton mana yang layak?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Adakah_deposit_diperlukan\" >Adakah deposit diperlukan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Berapakah_tempoh_pembiayaan\" >Berapakah tempoh pembiayaan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Bolehkah_pemohon_bekerja_sendiri_memohon\" >Bolehkah pemohon bekerja sendiri memohon?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Adakah_kelulusan_dijamin\" >Adakah kelulusan dijamin?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Apakah_risiko_pelan_Step_Up\" >Apakah risiko pelan Step Up?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Bolehkah_pembiayaan_diselesaikan_lebih_awal\" >Bolehkah pembiayaan diselesaikan lebih awal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Apakah_dokumen_yang_diperlukan\" >Apakah dokumen yang diperlukan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-54\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Bagaimanakah_cara_menyemak_ansuran_sebenar\" >Bagaimanakah cara menyemak ansuran sebenar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-55\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/#Adakah_kadar_dan_jadual_boleh_berubah\" >Adakah kadar dan jadual boleh berubah?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan bahan promosi semasa, pelan ini ditawarkan melalui Public Bank dan Bank Muamalat untuk beberapa model Proton terpilih. Setiap bank mempunyai struktur tempoh, tier dan jumlah ansuran yang berbeza.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bayaran awal yang rendah boleh membantu anda mengurus aliran tunai. Namun, semak ansuran bagi setiap tier dan jangan menilai kemampuan berdasarkan bayaran tahun pertama sahaja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jumlah seperti RM188, RM368, RM488 atau RM355 sebulan ialah bayaran permulaan bagi pakej tertentu. Ansuran sebenar bergantung pada model, varian, deposit, jumlah pembiayaan serta keputusan bank.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Maklumat dikemas kini pada 28 Julai 2026. Harga, ansuran, model, kadar dan syarat boleh berubah. Semua permohonan tertakluk kepada semakan dan kelulusan bank.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/api.whatsapp.com\/send?phone=60176804347&amp;text=Nak-Tanya-Proton-Step-Up-Financing\">Klik Sini Untuk Pertanyaan Lanjut Berkenaan Step Up Program<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h-apa-itu-proton-step-up-financing\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Apa_Itu_Proton_Step_Up_Financing\"><\/span>Apa Itu Proton Step Up Financing?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/step-up-financing-proton-perbandingan-bank-saga-s70-x50-1024x1024.webp\" alt=\"Proton Step Up Financing membandingkan Public Bank dan Bank Muamalat untuk Saga, S70 dan X50, dengan kadar serendah RM188 sebulan\" class=\"wp-image-4320\" srcset=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/step-up-financing-proton-perbandingan-bank-saga-s70-x50-1024x1024.webp 1024w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/step-up-financing-proton-perbandingan-bank-saga-s70-x50-300x300.webp 300w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/step-up-financing-proton-perbandingan-bank-saga-s70-x50-150x150.webp 150w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/step-up-financing-proton-perbandingan-bank-saga-s70-x50-768x768.webp 768w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/step-up-financing-proton-perbandingan-bank-saga-s70-x50-600x600.webp 600w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/step-up-financing-proton-perbandingan-bank-saga-s70-x50.webp 1254w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pembiayaan Step Up Proton ini menunjukkan perbandingan kadar bermula untuk All-New Saga, Proton S70 2026 dan All-New X50 melalui Public Bank dan Bank Muamalat. Public Bank dipaparkan dari RM188 sebulan, manakala kadar Bank Muamalat turut ditunjukkan dalam visual; terma dan syarat dikenakan.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Proton Step Up Financing ialah pelan pembiayaan kereta dengan ansuran rendah pada peringkat awal. Selepas itu, bayaran bulanan akan naik mengikut tahun dan peringkat yang ditetapkan. Jumlah bayaran bergantung pada model, varian, deposit, tempoh dan jumlah yang dibiayai.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pelan ini menggunakan beberapa peringkat bayaran yang dipanggil <strong>tier<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setiap tier mempunyai:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>jumlah ansuran sendiri;<\/li>\n\n\n\n<li>tempoh bayaran tertentu;<\/li>\n\n\n\n<li>jumlah yang berbeza daripada tier lain.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai contoh, struktur Public Bank dalam jadual yang diberi ialah:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tier 1:<\/strong> Tahun 1;<\/li>\n\n\n\n<li><strong>Tier 2:<\/strong> Tahun 2 hingga Tahun 3;<\/li>\n\n\n\n<li><strong>Tier 3:<\/strong> Tahun 4 hingga Tahun 6;<\/li>\n\n\n\n<li><strong>Tier 4:<\/strong> Tahun 7 hingga Tahun 9.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ini bermaksud bayaran paling rendah tidak kekal sepanjang sembilan tahun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pinjaman kereta biasa pula selalunya mempunyai ansuran yang sama atau hampir sama setiap bulan. Oleh itu, bayaran bulanan lebih mudah dijangka.<\/p>\n\n\n\n<h2 id=\"h-ringkasan-proton-step-up-financing-2026\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ringkasan_Proton_Step_Up_Financing_2026\"><\/span>Ringkasan Proton Step Up Financing 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Perkara<\/th><th>Ringkasan<\/th><\/tr><\/thead><tbody><tr><td>Ansuran terendah Public Bank<\/td><td>Dari RM188 sebulan<\/td><\/tr><tr><td>Ansuran terendah Bank Muamalat<\/td><td>Dari RM355 sebulan<\/td><\/tr><tr><td>Bank terlibat<\/td><td><a href=\"https:\/\/www.pbebank.com\/\">Public Bank<\/a> dan <a href=\"https:\/\/www.muamalat.com.my\/\">Bank Muamalat<\/a><\/td><\/tr><tr><td>Tempoh<\/td><td>Bergantung pada bank dan pakej<\/td><\/tr><tr><td>Cara bayaran<\/td><td>Ansuran naik mengikut peringkat<\/td><\/tr><tr><td>Margin pembiayaan<\/td><td>Tertakluk kepada had bank yang berkaitan<\/td><\/tr><tr><td>Kelulusan<\/td><td>Berdasarkan semakan bank yang berkaitan<\/td><\/tr><tr><td>Model layak<\/td><td>Semua model Proton termasuk e.Mas<\/td><\/tr><tr><td>Kadar<\/td><td>Tertakluk kepada tawaran bank<\/td><\/tr><tr><td>Deposit<\/td><td>Bergantung pada jumlah yang diluluskan<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Info penting tentang <strong>Proton Step Up Loan dari Public Bank<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pemohon boleh memohon pembiayaan penuh berdasarkan harga atas jalan atau On-the-Road (OTR), termasuk insurans.<\/li>\n\n\n\n<li><strong>Pelan Pembiayaan Step Up Proton<\/strong> <strong>dari Public Bank<\/strong> hanya ditawarkan untuk tempoh 9 tahun.<\/li>\n\n\n\n<li>Bagi tempoh tersebut, bayaran dibahagikan kepada empat tier.<\/li>\n\n\n\n<li>Jumlah pembiayaan minimum ialah RM30,000, manakala jumlah maksimum ialah RM200,000.<\/li>\n\n\n\n<li>Tawaran ini terbuka kepada semua model Proton, termasuk Proton e.MAS.<\/li>\n\n\n\n<li>Tarikh tutup permohonan masih belum diumumkan. Tawaran ini kekal sah sehingga notis lanjut diberikan.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Info penting tentang <strong>Proton Step Up Loan dari Bank Muamalat<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pemohon boleh memohon pembiayaan berdasarkan harga atas jalan atau On-the-Road (OTR) sahaja.<\/li>\n\n\n\n<li><strong>Pelan Pembiayaan Step Up Proton<\/strong> <strong>dari Bank Muamalat<\/strong> pula menawarkan pilihan tempoh 5, 7 atau 9 tahun.<\/li>\n\n\n\n<li>Bagi tempoh 5 dan 7 tahun, bayaran dibahagikan kepada dua tier.<\/li>\n\n\n\n<li>Bagi tempoh 9 tahun pula, bayaran dibahagikan kepada tiga tier.<\/li>\n\n\n\n<li>Jumlah pembiayaan ditentukan berdasarkan model dan varian Proton yang dipilih.<\/li>\n\n\n\n<li>Tawaran ini turut terbuka kepada semua model Proton, termasuk Proton e.MAS.<\/li>\n\n\n\n<li>Tarikh tutup permohonan masih belum diumumkan. Tawaran ini kekal sah sehingga notis lanjut diberikan.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-bagaimana-pelan-proton-step-up-financing-berfungsi\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bagaimana_Pelan_Proton_Step_Up_Financing_Berfungsi\"><\/span>Bagaimana Pelan Proton Step Up Financing Berfungsi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pelan ini memberi bayaran yang lebih rendah pada peringkat awal. Selepas itu, ansuran akan naik apabila masuk ke tier baharu.<\/p>\n\n\n\n<h3 id=\"h-contoh-mudah\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contoh_mudah\"><\/span>Contoh mudah<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai contoh untuk jadual Public Bank bagi jumlah pinjaman RM30,000:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tempoh<\/th><th>Ansuran bulanan<\/th><\/tr><\/thead><tbody><tr><td>Tahun 1<\/td><td>RM188<\/td><\/tr><tr><td>Tahun 2 hingga Tahun 3<\/td><td>RM358<\/td><\/tr><tr><td>Tahun 4 hingga Tahun 6<\/td><td>RM388<\/td><\/tr><tr><td>Tahun 7 hingga Tahun 9<\/td><td>RM438<\/td><\/tr><tr><td>Bayaran akhir<\/td><td>RM254.87<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam contoh ini, pemohon membayar RM188 pada Tahun 1 sahaja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada Tahun 2, bayaran naik kepada RM358. Seterusnya, bayaran naik kepada RM388 dan kemudian RM438.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Oleh itu, pembeli perlu melihat semua peringkat bayaran sebelum memohon.<\/p>\n\n\n\n<h2 id=\"h-proton-step-up-financing-public-bank\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proton_Step_Up_Financing_Public_Bank\"><\/span>Proton Step Up Financing Public Bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/pelan-ansuran-step-up-proton-saga-s70-x50-1024x576.webp\" alt=\"Proton Step Up Financing Public Bank dengan Saga, S70 2026 dan X50 pada kadar serendah RM188 sebulan\" class=\"wp-image-4327\" srcset=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/pelan-ansuran-step-up-proton-saga-s70-x50-1024x576.webp 1024w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/pelan-ansuran-step-up-proton-saga-s70-x50-300x169.webp 300w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/pelan-ansuran-step-up-proton-saga-s70-x50-768x432.webp 768w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/pelan-ansuran-step-up-proton-saga-s70-x50-1536x864.webp 1536w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/pelan-ansuran-step-up-proton-saga-s70-x50-800x450.webp 800w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/pelan-ansuran-step-up-proton-saga-s70-x50.webp 1672w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pembiayaan Step Up Proton bersama Public Bank memaparkan kadar bermula RM188 untuk All-New Saga, RM368 untuk Proton S70 2026 dan RM488 untuk All-New X50. Terma dan syarat dikenakan.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Proton Step Up Financing Public Bank<\/strong> menggunakan empat peringkat bayaran bagi tempoh sembilan tahun dalam jadual yang dilampirkan.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Peringkat<\/th><th>Tempoh<\/th><\/tr><\/thead><tbody><tr><td>Tier 1<\/td><td>Tahun 1<\/td><\/tr><tr><td>Tier 2<\/td><td>Tahun 2 hingga Tahun 3<\/td><\/tr><tr><td>Tier 3<\/td><td>Tahun 4 hingga Tahun 6<\/td><\/tr><tr><td>Tier 4<\/td><td>Tahun 7 hingga Tahun 9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Jadual Public Bank juga mempunyai ruang <strong>final instalment<\/strong>, iaitu bayaran akhir. Nilai bayaran ini berbeza mengikut jumlah yang dibiayai.<\/p>\n\n\n\n<h3 id=\"h-contoh-proton-saga-melalui-public-bank\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contoh_Proton_Saga_melalui_Public_Bank\"><\/span>Contoh Proton Saga melalui Public Bank<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai contoh, <strong>Pelan Pembiayaan Step Up Proton<\/strong> bagi Proton Saga MC3 dengan jumlah pembiayaan RM30,000 menawarkan ansuran RM188 sebulan pada tahun pertama. Bayaran bulanan bagi tahun seterusnya akan meningkat mengikut jadual pembiayaan di bawah.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tempoh<\/th><th>Bayaran<\/th><\/tr><\/thead><tbody><tr><td>Tahun 1<\/td><td>RM188<\/td><\/tr><tr><td>Tahun 2 hingga Tahun 3<\/td><td>RM358<\/td><\/tr><tr><td>Tahun 4 hingga Tahun 6<\/td><td>RM388<\/td><\/tr><tr><td>Tahun 7 hingga Tahun 9<\/td><td>RM438<\/td><\/tr><tr><td>Bayaran akhir<\/td><td>RM254.87<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Angka ini ialah contoh bagi jumlah pinjaman RM30,000. Ia bukan bayaran tetap untuk semua varian Saga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Harga kereta, deposit dan jumlah pinjaman boleh mengubah bayaran sebenar.<\/p>\n\n\n\n<h3 id=\"h-contoh-proton-s70-melalui-public-bank\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contoh_Proton_S70_melalui_Public_Bank\"><\/span>Contoh Proton S70 melalui Public Bank<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bagi contoh <strong>Pelan Pembiayaan Step Up Proton<\/strong> untuk Proton S70 pula dengan jumlah pembiayaan RM56,000 menetapkan ansuran tahun pertama sebanyak RM368 sebulan. Ansuran bagi tahun berikutnya adalah berdasarkan jadual pembiayaan di bawah.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tempoh<\/th><th>Bayaran<\/th><\/tr><\/thead><tbody><tr><td>Tahun 1<\/td><td>RM368<\/td><\/tr><tr><td>Tahun 2 hingga Tahun 3<\/td><td>RM628<\/td><\/tr><tr><td>Tahun 4 hingga Tahun 6<\/td><td>RM668<\/td><\/tr><tr><td>Tahun 7 hingga Tahun 9<\/td><td>RM778<\/td><\/tr><tr><td>Bayaran akhir<\/td><td>RM554.62<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Jumlah sebenar bagi S70 bergantung pada varian, harga atas jalan, deposit dan jumlah yang bank luluskan.<\/p>\n\n\n\n<h3 id=\"h-contoh-proton-x50-melalui-public-bank\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contoh_Proton_X50_melalui_Public_Bank\"><\/span>Contoh Proton X50 melalui Public Bank<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Seterusnya bagi contoh <strong>Pelan Pembiayaan Step Up Proton<\/strong> untuk Proton X50 dengan jumlah pembiayaan RM81,000, Varian X50 yang lebih mahal mungkin mempunyai jumlah loan dan ansuran yang lebih tinggi.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tempoh<\/th><th>Bayaran<\/th><\/tr><\/thead><tbody><tr><td>Tahun 1<\/td><td>RM488<\/td><\/tr><tr><td>Tahun 2 hingga Tahun 3<\/td><td>RM918<\/td><\/tr><tr><td>Tahun 4 hingga Tahun 6<\/td><td>RM968<\/td><\/tr><tr><td>Tahun 7 hingga Tahun 9<\/td><td>RM1,138<\/td><\/tr><tr><td>Bayaran akhir<\/td><td>RM317.32<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Angka ini ialah contoh bagi jumlah loan RM81,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Varian X50 yang lebih mahal mungkin mempunyai jumlah loan dan ansuran yang lebih tinggi.<\/p>\n\n\n\n<h3 id=\"h-nota-penting-public-bank\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nota_penting_Public_Bank\"><\/span>Nota penting Public Bank<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan jadual Proton Step Up Loan yang diberi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Margin loan boleh mencapai 100% atau full loan.<\/li>\n\n\n\n<li>Jumlah ini merangkumi harga atas jalan (OTR) dan kos insurans.<\/li>\n\n\n\n<li>Tempoh bayaran hanya ditawarkan selama 9 tahun.<\/li>\n\n\n\n<li>Bayaran akhir bergantung pada jumlah loan.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Oleh itu, minta jadual penuh Proton Step Up Loan untuk model dan variant yang anda pilih dengan Sale Advisor kami.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/api.whatsapp.com\/send?phone=60176804347&amp;text=Nak-Tanya-Proton-Step-Up-Public-Bank\">Klik Sini Untuk Pertanyaan Lanjut Berkenaan Step Up Public Bank<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h-proton-step-up-financing-bank-muamalat\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proton_Step_Up_Financing_Bank_Muamalat\"><\/span>Proton Step Up Financing Bank Muamalat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/proton-step-up-bank-muamalat-saga-s70-x50-1024x576.webp\" alt=\"Proton Step Up Financing Bank Muamalat untuk Saga, S70 2026 dan X50 dengan kadar serendah RM355 sebulan\" class=\"wp-image-4329\" srcset=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/proton-step-up-bank-muamalat-saga-s70-x50-1024x576.webp 1024w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/proton-step-up-bank-muamalat-saga-s70-x50-300x169.webp 300w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/proton-step-up-bank-muamalat-saga-s70-x50-768x432.webp 768w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/proton-step-up-bank-muamalat-saga-s70-x50-1536x864.webp 1536w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/proton-step-up-bank-muamalat-saga-s70-x50-800x450.webp 800w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/proton-step-up-bank-muamalat-saga-s70-x50.webp 1672w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pembiayaan Step Up Proton bersama Bank Muamalat memaparkan kadar bermula RM355 sebulan untuk All-New Saga, RM604 untuk Proton S70 2026 dan RM788 untuk All-New X50. Semua jumlah ialah kadar serendah yang dipaparkan dan tertakluk kepada terma serta syarat.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Proton Step Up Financing Bank Muamalat<\/strong> menawarkan tiga pilihan tempoh pembiayaan yang disusun mengikut model dan varian, seperti berikut:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>lima (5) tahun;<\/li>\n\n\n\n<li>tujuh (7) tahun;<\/li>\n\n\n\n<li>sembilan (9) tahun.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Produk ini turut disebut sebagai Step-Up Auto Financing dalam dokumen yang diberi.<\/p>\n\n\n\n<h3 id=\"h-struktur-tier-proton-step-up-financing-bank-muamalat\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Struktur_tier_Proton_Step_Up_Financing_Bank_Muamalat\"><\/span>Struktur tier Proton Step Up Financing Bank Muamalat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tempoh<\/th><th>Tier 1<\/th><th>Tier 2<\/th><th>Tier 3<\/th><\/tr><\/thead><tbody><tr><td>5 tahun<\/td><td>Tahun 1 hingga Tahun 3<\/td><td>Tahun 4 hingga Tahun 5<\/td><td>Tiada<\/td><\/tr><tr><td>7 tahun<\/td><td>Tahun 1 hingga Tahun 3<\/td><td>Tahun 4 hingga Tahun 7<\/td><td>Tiada<\/td><\/tr><tr><td>9 tahun<\/td><td>Tahun 1 hingga Tahun 3<\/td><td>Tahun 4 hingga Tahun 7<\/td><td>Tahun 8 hingga Tahun 9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 id=\"h-contoh-proton-saga-bank-muamalat\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contoh_Proton_Saga_Bank_Muamalat\"><\/span>Contoh Proton Saga Bank Muamalat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bagi Proton Step Up Loan untuk Saga 1.5 Standard dengan harga yang dinyatakan iaitu RM38,990:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tempoh<\/th><th>Tier 1<\/th><th>Tier 2<\/th><th>Tier 3<\/th><\/tr><\/thead><tbody><tr><td>9 tahun<\/td><td>RM355<\/td><td>RM404<\/td><td>RM465<\/td><\/tr><tr><td>7 tahun<\/td><td>RM397<\/td><td>RM578<\/td><td>\u2014<\/td><\/tr><tr><td>5 tahun<\/td><td>RM445<\/td><td>RM1,002<\/td><td>\u2014<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bagi pelan Proton Step Up Loan selama sembilan tahun, bayaran bermula RM355. Selepas itu, jumlah naik kepada RM404 dan RM465.<\/p>\n\n\n\n<h3 id=\"h-contoh-proton-s70-bank-muamalat\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contoh_Proton_S70_Bank_Muamalat\"><\/span>Contoh Proton S70 Bank Muamalat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Seterusnya bagi Proton Step Up Loan untuk S70 1.5T Executive dengan harga yang dinyatakan RM68,800:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tempoh<\/th><th>Tier 1<\/th><th>Tier 2<\/th><th>Tier 3<\/th><\/tr><\/thead><tbody><tr><td>9 tahun<\/td><td>RM604<\/td><td>RM687<\/td><td>RM791<\/td><\/tr><tr><td>7 tahun<\/td><td>RM680<\/td><td>RM991<\/td><td>\u2014<\/td><\/tr><tr><td>5 tahun<\/td><td>RM768<\/td><td>RM1,729<\/td><td>\u2014<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Oleh kerana Pelan Proton Step Up Loan selama lima tahun mempunyai tempoh lebih pendek. Namun, bayaran pada tier kedua jauh lebih tinggi.<\/p>\n\n\n\n<h3 id=\"h-contoh-proton-x50-bank-muamalat\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contoh_Proton_X50_Bank_Muamalat\"><\/span>Contoh Proton X50 Bank Muamalat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Manakala bagi Proton Step Up Loan untuk X50 1.5T Executive dengan harga yang dinyatakan RM89,800:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tempoh<\/th><th>Tier 1<\/th><th>Tier 2<\/th><th>Tier 3<\/th><\/tr><\/thead><tbody><tr><td>9 tahun<\/td><td>RM788<\/td><td>RM897<\/td><td>RM1,033<\/td><\/tr><tr><td>7 tahun<\/td><td>RM888<\/td><td>RM1,294<\/td><td>\u2014<\/td><\/tr><tr><td>5 tahun<\/td><td>RM1,003<\/td><td>RM2,257<\/td><td>\u2014<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bayaran sebenar boleh berubah mengikut harga, deposit dan jumlah yang dibiayai.<\/p>\n\n\n\n<h3 id=\"h-model-lain-dalam-jadual-proton-step-up-financing-bank-muamalat\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Model_lain_dalam_jadual_Proton_Step_Up_Financing_Bank_Muamalat\"><\/span>Model lain dalam jadual Proton Step Up Financing Bank Muamalat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pihak Bank Muamalat turut menyatakan bahawa model ini layak memohon Proton Step Up Financing :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proton Persona<\/li>\n\n\n\n<li>Proton Iriz<\/li>\n\n\n\n<li>Proton X70<\/li>\n\n\n\n<li>Proton X90<\/li>\n\n\n\n<li>e.Mas 5<\/li>\n\n\n\n<li>e.Mas 7<\/li>\n\n\n\n<li>e.Mas 7 PHEV<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jumlah sebenar boleh dipengaruhi oleh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>model dan varian;<\/li>\n\n\n\n<li>harga kereta;<\/li>\n\n\n\n<li>jumlah deposit;<\/li>\n\n\n\n<li>jumlah loan;<\/li>\n\n\n\n<li>tempoh pilihan;<\/li>\n\n\n\n<li>rekod kredit;<\/li>\n\n\n\n<li>Interest rate;<\/li>\n\n\n\n<li>keputusan bank.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/api.whatsapp.com\/send?phone=60176804347&amp;text=Nak-Tanya-Proton-Step-Up-Bank-Muamalat\">Klik Sini Untuk Pertanyaan Lanjut Berkenaan Step Up Bank Muamalat<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h-public-bank-vs-bank-muamalat\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Public_Bank_vs_Bank_Muamalat\"><\/span>Public Bank vs Bank Muamalat<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Kriteria<\/th><th>Public Bank<\/th><th>Bank Muamalat<\/th><\/tr><\/thead><tbody><tr><td>Ansuran mula dalam poster<\/td><td>Dari RM188<\/td><td>Dari RM355<\/td><\/tr><tr><td>Tempoh bayaran awal<\/td><td>Tahun 1<\/td><td>Tiga tahun pertama<\/td><\/tr><tr><td>Struktur<\/td><td>Empat tier untuk sembilan tahun<\/td><td>Tier ikut tempoh 5, 7 atau 9 tahun<\/td><\/tr><tr><td>Jenis produk<\/td><td>Pembiayaan kenderaan<\/td><td>Auto Financing-i<\/td><\/tr><tr><td>Model<\/td><td>Untuk semua model Proton<\/td><td>Untuk semua model Proton<\/td><\/tr><tr><td>Margin Pembiayaan<\/td><td>Pembiayaan termasuk harga OTR termasuk kos Insurans<\/td><td>Pembiayaan hanya hanya untuk harga OTR Sahaja<\/td><\/tr><tr><td>Kelulusan<\/td><td>Dinilai bagi setiap kes<\/td><td>Berdasarkan semakan bank<\/td><\/tr><tr><td>Kelebihan utama<\/td><td>Boleh memohon pembiayaan penuh (full loan)<\/td><td>Perlu keluarkan downpayment untuk bayaran kos insurans kereta bagi tahun pertama<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Public Bank mungkin sesuai untuk pembeli yang mahu bayaran sangat rendah pada Tahun 1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank Muamalat pula mungkin sesuai untuk pembeli yang mahu bayaran awal bagi tempoh tiga tahun dan pilihan pembiayaan Islam.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Namun, jangan pilih bank berdasarkan bayaran pertama sahaja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bandingkan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bayaran setiap tier;<\/li>\n\n\n\n<li>deposit;<\/li>\n\n\n\n<li>kadar;<\/li>\n\n\n\n<li>tempoh<\/li>\n\n\n\n<li>jumlah bayaran penuh;<\/li>\n\n\n\n<li>bayaran akhir;<\/li>\n\n\n\n<li>syarat bank.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Perlukan bantuan untuk memilih <strong>Pelan Step Up Public Bank atau Bank Muamalat<\/strong> yang sesuai dengan keperluan dan bajet anda? Tekan pautan di bawah untuk mendapatkan khidmat nasihat daripada Sales Advisor kami.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/api.whatsapp.com\/send?phone=60176804347&amp;text=Nak-Tanya-Proton-Step-Up-Financing\">Klik Sini Untuk Pertanyaan Lanjut Berkenaan Step Up Program<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h-model-proton-yang-layak-untuk-proton-step-up-financing\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Model_Proton_yang_Layak_Untuk_Proton_Step_Up_Financing\"><\/span>Model Proton yang Layak Untuk Proton Step Up Financing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Antara model yang layak untuk Proton Step Up Financing adalah :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/protonmalaysia.com.my\/en\/saga-mc3\/\">All-New Proton Saga MC3<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/protonmalaysia.com.my\/en\/proton-persona\/\">Proton Persona<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/protonmalaysia.com.my\/en\/s70-mc1\/\">Proton S70<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/protonmalaysia.com.my\/en\/proton-x50\/\">All-New Proton X50<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/protonmalaysia.com.my\/en\/proton-x70\/\">Proton X70<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/protonmalaysia.com.my\/en\/proton-x90-mc1\/\">Proton X90<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/emasproton.com.my\/e-mas-5\/\">Proton e.MAS 5<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/emas.proton.com\/e-mas-7\/?utm_source=chatgpt.com\">Proton e.MAS 7<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/emas.proton.com\/e-mas-7-phev\/?utm_source=chatgpt.com\">Proton e.MAS 7 PHEV<\/a>.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Untuk mendapatkan jadual <strong>Pelan Pembiayaan Step Up Proton<\/strong> bagi varian yang sedang anda pertimbangkan, sila hubungi Sales Advisor kami untuk info dan penerangan lanjut.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/api.whatsapp.com\/send?phone=60176804347&amp;text=Nak-Tanya-Proton-Step-Up-Financing\">Klik Sini Untuk Pertanyaan Lanjut Berkenaan Step Up Program<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h-contoh-ansuran-mengikut-model-dan-varian\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contoh_Ansuran_Mengikut_Model_dan_Varian\"><\/span>Contoh Ansuran Mengikut Model dan Varian<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Bank<\/th><th>Model atau contoh<\/th><th>Harga atau jumlah rujukan<\/th><th>Tempoh<\/th><th>Tier 1<\/th><th>Tier 2<\/th><th>Tier 3<\/th><th>Tier 4<\/th><\/tr><\/thead><tbody><tr><td>Public Bank<\/td><td>Saga\/Persona<\/td><td>Pinjaman RM30,000<\/td><td>9 tahun<\/td><td>RM188<\/td><td>RM358<\/td><td>RM388<\/td><td>RM438<\/td><\/tr><tr><td>Public Bank<\/td><td>Contoh S70<\/td><td>Pinjaman RM56,000<\/td><td>9 tahun<\/td><td>RM368<\/td><td>RM628<\/td><td>RM668<\/td><td>RM778<\/td><\/tr><tr><td>Public Bank<\/td><td>Contoh X50<\/td><td>Pinjaman RM81,000<\/td><td>9 tahun<\/td><td>RM488<\/td><td>RM918<\/td><td>RM968<\/td><td>RM1,138<\/td><\/tr><tr><td>Bank Muamalat<\/td><td>Saga 1.5 Standard<\/td><td>Harga RM38,990<\/td><td>9 tahun<\/td><td>RM355<\/td><td>RM404<\/td><td>RM465<\/td><td>\u2014<\/td><\/tr><tr><td>Bank Muamalat<\/td><td>S70 1.5T Executive<\/td><td>Harga RM68,800<\/td><td>9 tahun<\/td><td>RM604<\/td><td>RM687<\/td><td>RM791<\/td><td>\u2014<\/td><\/tr><tr><td>Bank Muamalat<\/td><td>X50 1.5T Executive<\/td><td>Harga RM89,800<\/td><td>9 tahun<\/td><td>RM788<\/td><td>RM897<\/td><td>RM1,033<\/td><td>\u2014<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Public Bank menyusun jadual ikut jumlah pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank Muamalat pula menyusun jadual ikut model, varian, harga dan tempoh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Oleh itu, jangan bandingkan dua bank hanya melalui bayaran Tier 1.<\/p>\n\n\n\n<h2 id=\"h-artikel-proton-step-up-financing-mengikut-varian\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Artikel_Proton_Step_Up_Financing_Mengikut_Varian\"><\/span>Artikel Proton Step Up Financing Mengikut Varian<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-proton-saga\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proton_Saga\"><\/span>Proton Saga<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Rujuk <a href=\"https:\/\/protonmalaysia.com.my\/en\/step-up-program-proton-saga-standard\/?utm_source=chatgpt.com\">jadual Step Up Saga Standard<\/a> untuk info varian asas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pembeli varian pertengahan boleh melihat <a href=\"https:\/\/protonmalaysia.com.my\/en\/step-up-saga-executive\/?utm_source=chatgpt.com\">ansuran Step Up Saga Executive<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bagi varian tertinggi, baca panduan <a href=\"https:\/\/protonmalaysia.com.my\/en\/step-up-saga-premium-rm180-sebulan\/?utm_source=chatgpt.com\">pelan Step Up Saga Premium<\/a>.<\/p>\n\n\n\n<h3 id=\"h-proton-s70\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proton_S70\"><\/span>Proton S70<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lihat <a href=\"https:\/\/protonmalaysia.com.my\/en\/step-up-s70-executive\/?utm_source=chatgpt.com\">pelan ansuran S70 Executive<\/a> untuk varian permulaan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Maklumat bagi varian pertengahan boleh dilihat dalam <a href=\"https:\/\/protonmalaysia.com.my\/en\/step-up-s70-premium-bayaran-rm390-malaysia\/?utm_source=chatgpt.com\">jadual bayaran S70 Premium<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Untuk varian lebih tinggi, rujuk <a href=\"https:\/\/protonmalaysia.com.my\/en\/step-up-s70-flagship-rm390-ansuran-rendah\/?utm_source=chatgpt.com\">Pelan Step Up S70 Flagship<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pembeli juga boleh melihat <a href=\"https:\/\/protonmalaysia.com.my\/en\/step-up-s70-flagship-x-rm390-ansuran-rendah\/?utm_source=chatgpt.com\">ansuran S70 Flagship X<\/a>.<\/p>\n\n\n\n<h2 id=\"h-syarat-kelayakan-proton-step-up-financing\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Syarat_Kelayakan_Proton_Step_Up_Financing\"><\/span>Syarat Kelayakan Proton Step Up Financing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Syarat kelulusan untuk setiap bank adalah berbeza . Walaubagaimanapun antara perkara yang biasanya dinilai ialah:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>umur pemohon;<\/li>\n\n\n\n<li>status warganegara;<\/li>\n\n\n\n<li>jenis kerja;<\/li>\n\n\n\n<li>tempoh bekerja;<\/li>\n\n\n\n<li>jumlah pendapatan;<\/li>\n\n\n\n<li>hutang sedia ada;<\/li>\n\n\n\n<li>rekod bayaran;<\/li>\n\n\n\n<li>rekod kredit;<\/li>\n\n\n\n<li>jumlah deposit;<\/li>\n\n\n\n<li>jumlah pinjaman;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Syarat sebenar boleh berbeza mengikut bank dan profil pemohon.<\/p>\n\n\n\n<h2 id=\"h-dokumen-yang-biasanya-diperlukan\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dokumen_yang_Biasanya_Diperlukan\"><\/span>Dokumen yang Biasanya Diperlukan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-pemohon-bergaji\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pemohon_Bergaji\"><\/span>Pemohon Bergaji<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bank biasanya meminta:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>MyKad;<\/li>\n\n\n\n<li>lesen memandu;<\/li>\n\n\n\n<li>slip gaji 3 hingga 6 bulan terkini;<\/li>\n\n\n\n<li>penyata bank 3 hingga 6 bulan terkini;<\/li>\n\n\n\n<li>dokumen penjamin jika diperlukan.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bank juga boleh meminta surat majikan atau penyata KWSP.<\/p>\n\n\n\n<h3 id=\"h-bekerja-sendiri-atau-berniaga\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bekerja_Sendiri_atau_Berniaga\"><\/span>Bekerja Sendiri atau Berniaga<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pemohon yang bekerja sendiri mungkin perlu menyediakan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SSM<\/li>\n\n\n\n<li>Salinan Mykad pemilik syarikat<\/li>\n\n\n\n<li>Enam (6) penyata akaun bank terkini <\/li>\n\n\n\n<li>Screenshot bukti wang simpanan sebanyak 20% dari harga kereta (jika diminta)<\/li>\n\n\n\n<li>Dokumen income tax terkini (jika diminta)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sediakan dokumen yang jelas dan masih sah. Ini boleh membantu proses semakan berjalan dengan lebih lancar.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/api.whatsapp.com\/send?phone=60176804347&amp;text=Mohon-Semakan-Kelayakan-Proton-Step-Up-Financing\">Klik Sini Untuk Semakan Kelayakan Segera Untuk Step Up Program<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h-kelebihan-proton-step-up-financing\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kelebihan_Proton_Step_Up_Financing\"><\/span>Kelebihan Proton Step Up Financing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-1-bayaran-awal-lebih-rendah\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Bayaran_awal_lebih_rendah\"><\/span>1. Bayaran awal lebih rendah<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tier pertama menawarkan bayaran yang lebih rendah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ini boleh membantu pembeli mengurus kos pada tahun awal.<\/p>\n\n\n\n<h3 id=\"h-2-memberi-ruang-kepada-aliran-tunai\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Memberi_ruang_kepada_aliran_tunai\"><\/span>2. Memberi ruang kepada aliran tunai<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lebihan tunai boleh digunakan untuk:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>servis<\/li>\n\n\n\n<li>dana kecemasan<\/li>\n\n\n\n<li>perbelanjaan bulanan<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-3-pilihan-bank\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Pilihan_bank\"><\/span>3. Pilihan bank<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pembeli boleh membandingkan Public Bank dan Bank Muamalat.<\/p>\n\n\n\n<h3 id=\"h-4-sesuai-untuk-pendapatan-yang-dijangka-naik\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Sesuai_untuk_pendapatan_yang_dijangka_naik\"><\/span>4. Sesuai untuk pendapatan yang dijangka naik<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pelan ini mungkin sesuai untuk pekerja baharu yang yakin pendapatan mereka akan bertambah seperti perkerja kerajaan dan graduan baru yang dapat jangkakan pendapatan akan meningkat untuk tahun seterusnya.<\/p>\n\n\n\n<h2 id=\"h-kekurangan-dan-risiko-yang-perlu-dipertimbangkan\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kekurangan_dan_Risiko_yang_Perlu_Dipertimbangkan\"><\/span>Kekurangan dan Risiko yang Perlu Dipertimbangkan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-1-ansuran-akan-naik\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Ansuran_akan_naik\"><\/span>1. Ansuran akan naik<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bayaran rendah pada awal tempoh tidak kekal.<\/p>\n\n\n\n<h3 id=\"h-2-bayaran-pada-tahun-akhir-lebih-tinggi\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Bayaran_pada_tahun_akhir_lebih_tinggi\"><\/span>2. Bayaran pada tahun akhir lebih tinggi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai contoh, bayaran Public Bank bagi loan RM81,000 naik daripada RM488 kepada RM1,138 sebulan.<\/p>\n\n\n\n<h3 id=\"h-3-pendapatan-belum-tentu-meningkat\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Pendapatan_belum_tentu_meningkat\"><\/span>3. Pendapatan belum tentu meningkat<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pendapatan mungkin tidak naik seperti yang dirancang.<\/p>\n\n\n\n<h2 id=\"h-step-up-financing-vs-pinjaman-kereta-biasa\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_Up_Financing_vs_Pinjaman_Kereta_Biasa\"><\/span>Step Up Financing vs Pinjaman Kereta Biasa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Perkara<\/th><th>Step Up Financing<\/th><th>Ansuran Tetap<\/th><\/tr><\/thead><tbody><tr><td>Bayaran awal<\/td><td>Lebih rendah<\/td><td>Hampir sama setiap bulan<\/td><\/tr><tr><td>Perubahan ansuran<\/td><td>Naik mengikut tier<\/td><td>Kekal atau hampir tetap<\/td><\/tr><tr><td>Perancangan bajet<\/td><td>Perlu rancang kenaikan<\/td><td>Lebih mudah dijangka<\/td><\/tr><tr><td>Risiko utama<\/td><td>Bayaran akan meningkat<\/td><td>Komitmen awal lebih besar<\/td><\/tr><tr><td>Sesuai untuk<\/td><td>Pendapatan dijangka naik<\/td><td>Mahu bayaran stabil<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Secara ringkasnya, pelan ini menyusun bayaran supaya ansuran awal lebih rendah dan ansuran selepas itu lebih tinggi.<\/p>\n\n\n\n<h2 id=\"h-siapa-yang-sesuai-memilih-pelan-ini\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Siapa_yang_Sesuai_Memilih_Pelan_Ini\"><\/span>Siapa yang Sesuai Memilih Pelan Ini?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pelan Pembiayaan Step Up Proton mungkin sesuai untuk:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>graduan baharu<\/li>\n\n\n\n<li>pekerja yang baru mula kerja<\/li>\n\n\n\n<li>pembeli kereta pertama<\/li>\n\n\n\n<li>pembeli muda yang baru berumah tangga<\/li>\n\n\n\n<li>pemohon yang menjangka pendapatan naik<\/li>\n\n\n\n<li>individu yang memahami semua tier<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-semak-kelayakan-proton-step-up-financing-melalui-whatsapp\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Semak_Kelayakan_Proton_Step_Up_Financing_Melalui_WhatsApp\"><\/span>Semak Kelayakan Proton Step Up Financing Melalui WhatsApp<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tidak pasti pelan mana yang sesuai dengan bajet anda?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dapatkan bantuan untuk:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>semak kelayakan awal;<\/li>\n\n\n\n<li>lihat ansuran bagi setiap tier;<\/li>\n\n\n\n<li>membandingkan Public Bank dan Bank Muamalat;<\/li>\n\n\n\n<li>semak promosi semasa;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/api.whatsapp.com\/send?phone=60176804347&amp;text=Step-Up-Financing-Proton\"><strong>Semak Proton Step Up Financing melalui WhatsApp<\/strong><\/a><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/api.whatsapp.com\/send?phone=60176804347&amp;text=Nak-Tanya-Proton-Step-Up-Financing\">Klik Sini Untuk Pertanyaan Lanjut Berkenaan Step Up Program<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h-kesimpulan-untuk-kempen-proton-step-up-financing\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kesimpulan_Untuk_Kempen_Proton_Step_Up_Financing\"><\/span>Kesimpulan Untuk Kempen Proton Step Up Financing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/perbandingan-step-up-proton-public-bank-muamalat-1024x576.webp\" alt=\"Perbandingan Proton Step Up Financing Public Bank dan Bank Muamalat untuk Saga, S70 dan X50, dari RM188 sebulan\" class=\"wp-image-4319\" srcset=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/perbandingan-step-up-proton-public-bank-muamalat-1024x576.webp 1024w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/perbandingan-step-up-proton-public-bank-muamalat-300x169.webp 300w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/perbandingan-step-up-proton-public-bank-muamalat-768x432.webp 768w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/perbandingan-step-up-proton-public-bank-muamalat-1536x864.webp 1536w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/perbandingan-step-up-proton-public-bank-muamalat-800x450.webp 800w, https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/perbandingan-step-up-proton-public-bank-muamalat.webp 1672w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pembiayaan Step Up Proton ini membandingkan kadar permulaan Public Bank dan Bank Muamalat untuk Saga, S70 dan X50. Public Bank memaparkan kadar dari RM188, RM368 dan RM488 sebulan, manakala Bank Muamalat dari RM355, RM604 dan RM788; terma dan syarat dikenakan.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Proton Step Up Financing<\/strong> boleh membantu pembeli mendapatkan ansuran yang lebih rendah pada tahun awal. Namun, jumlah tersebut akan naik mengikut tier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pelan ini adalah amat sesuai untuk pembeli yang memahami perubahan bayaran dan mampu menanggung ansuran pada tahun akhir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-\">Buat perbandingan dengan teliti sebelum memilih <strong>Pembiayaan Step Up Proton<\/strong> melalui Public Bank atau Bank Muamalat. Keputusan yang baik perlu berdasarkan kemampuan sebenar, bukan hanya pada ansuran tahun pertama.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/api.whatsapp.com\/send?phone=60176804347&amp;text=Nak-Tanya-Proton-Step-Up-Financing\">Klik Sini Untuk Pertanyaan Lanjut Berkenaan Step Up Program<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"h-faq-proton-step-up-financing\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ_Proton_Step_Up_Financing\"><\/span>FAQ Proton Step Up Financing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-apakah-proton-step-up-financing\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Apakah_Proton_Step_Up_Financing\"><\/span>Apakah Proton Step Up Financing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ia ialah pelan pembiayaan kereta dengan ansuran rendah pada peringkat awal. Bayaran kemudian naik mengikut tier.<\/p>\n\n\n\n<h3 id=\"h-bagaimanakah-ansuran-step-up-berfungsi\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bagaimanakah_ansuran_Step_Up_berfungsi\"><\/span>Bagaimanakah ansuran Step Up berfungsi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bayaran dibahagi kepada beberapa peringkat. Setiap peringkat mempunyai jumlah dan tempoh yang berbeza.<\/p>\n\n\n\n<h3 id=\"h-berapakah-ansuran-paling-rendah\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Berapakah_ansuran_paling_rendah\"><\/span>Berapakah ansuran paling rendah?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Poster yang diberi menunjukkan Public Bank bermula RM188 sebulan. Bank Muamalat pula bermula RM355 sebulan.<\/p>\n\n\n\n<h3 id=\"h-adakah-rm188-sebulan-kekal-selama-sembilan-tahun\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Adakah_RM188_sebulan_kekal_selama_sembilan_tahun\"><\/span>Adakah RM188 sebulan kekal selama sembilan tahun?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tidak. RM188 ialah bayaran Tahun 1 bagi contoh Public Bank tertentu. Bayaran akan naik pada tahun berikutnya.<\/p>\n\n\n\n<h3 id=\"h-apakah-beza-public-bank-dan-bank-muamalat\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Apakah_beza_Public_Bank_dan_Bank_Muamalat\"><\/span>Apakah beza Public Bank dan Bank Muamalat?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Public Bank menggunakan empat tier untuk jadual sembilan tahun. Bank Muamalat pula mempunyai pilihan lima, tujuh dan sembilan tahun.<\/p>\n\n\n\n<h3 id=\"h-model-proton-mana-yang-layak\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Model_Proton_mana_yang_layak\"><\/span>Model Proton mana yang layak?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Antara model yang dipaparkan ialah Saga, Persona, Iriz, S70, X50, X70, X90 dan beberapa model e.MAS.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kelayakan varian perlu disemak semula.<\/p>\n\n\n\n<h3 id=\"h-adakah-deposit-diperlukan\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Adakah_deposit_diperlukan\"><\/span>Adakah deposit diperlukan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ia bergantung pada harga kereta, jumlah pinjaman dan margin yang bank luluskan.<\/p>\n\n\n\n<h3 id=\"h-berapakah-tempoh-pembiayaan\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Berapakah_tempoh_pembiayaan\"><\/span>Berapakah tempoh pembiayaan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jadual Public Bank menggunakan tempoh 108 bulan. Bank Muamalat menyediakan pilihan lima, tujuh atau sembilan tahun.<\/p>\n\n\n\n<h3 id=\"h-bolehkah-pemohon-bekerja-sendiri-memohon\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bolehkah_pemohon_bekerja_sendiri_memohon\"><\/span>Bolehkah pemohon bekerja sendiri memohon?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pemohon bekerja sendiri boleh cuba memohon. Namun, bank mungkin meminta bukti pendapatan dan dokumen perniagaan.<\/p>\n\n\n\n<h3 id=\"h-adakah-kelulusan-dijamin\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Adakah_kelulusan_dijamin\"><\/span>Adakah kelulusan dijamin?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tidak. Semua permohonan tertakluk kepada semakan dan keputusan bank.<\/p>\n\n\n\n<h3 id=\"h-apakah-risiko-pelan-step-up\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Apakah_risiko_pelan_Step_Up\"><\/span>Apakah risiko pelan Step Up?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Risiko utama ialah bayaran akan naik pada tier seterusnya. Pemohon perlu mampu membayar ansuran tertinggi.<\/p>\n\n\n\n<h3 id=\"h-bolehkah-pembiayaan-diselesaikan-lebih-awal\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bolehkah_pembiayaan_diselesaikan_lebih_awal\"><\/span>Bolehkah pembiayaan diselesaikan lebih awal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ia bergantung pada terma dalam perjanjian. Minta bank beri jumlah penyelesaian dan rebat yang berkaitan.<\/p>\n\n\n\n<h3 id=\"h-apakah-dokumen-yang-diperlukan\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Apakah_dokumen_yang_diperlukan\"><\/span>Apakah dokumen yang diperlukan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dokumen asas biasanya termasuk MyKad, lesen, slip gaji, penyata bank dan dokumen kereta.<\/p>\n\n\n\n<h3 id=\"h-bagaimanakah-cara-menyemak-ansuran-sebenar\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bagaimanakah_cara_menyemak_ansuran_sebenar\"><\/span>Bagaimanakah cara menyemak ansuran sebenar?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pilih model dan varian. Kemudian beri maklumat deposit supaya jadual setiap tier boleh dikira.<\/p>\n\n\n\n<h3 id=\"h-adakah-kadar-dan-jadual-boleh-berubah\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Adakah_kadar_dan_jadual_boleh_berubah\"><\/span>Adakah kadar dan jadual boleh berubah?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ya. Kadar, ansuran, model dan syarat boleh berubah mengikut semakan bank.<\/p>","protected":false},"excerpt":{"rendered":"<p>Proton Step Up Financing Proton Step Up Financing, yang turut dicari sebagai Pembiayaan Step Up Proton, Step Up Financing Proton, Proton Step Up Loan dan Pelan Pembiayaan Step Up Proton, ialah pelan pembiayaan kereta dengan ansuran lebih rendah pada peringkat awal. Selepas tempoh tersebut tamat, bayaran bulanan akan meningkat mengikut tier dan jadual yang ditetapkan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4319,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_angie_page":false,"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","page_builder":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[47],"tags":[197,200,198,72,46,43,41,199,71],"class_list":["post-1904","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-step-up-proton","tag-ansuran-proton","tag-bank-muamalat","tag-loan-proton","tag-proton-financing","tag-proton-s70","tag-proton-saga","tag-proton-x50","tag-public-bank","tag-step-up-financing","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Proton Step Up Financing 2026: Jadual Ansuran dan Syarat Mohon - Proton Malaysia<\/title>\n<meta name=\"description\" content=\"Semak Proton Step Up Financing 2026 dan Pelan Pembiayaan Step Up Proton, termasuk pilihan loan, ansuran bertingkat dan model terpilih.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Proton Step Up Financing 2026: Semak Ansuran Sebelum Mohon\" \/>\n<meta property=\"og:description\" content=\"Bandingkan jadual ansuran Public Bank dan Bank Muamalat, model terpilih, syarat permohonan serta bayaran yang meningkat mengikut tier.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/protonmalaysia.com.my\/en\/proton-step-up-financing\/\" \/>\n<meta property=\"og:site_name\" content=\"Proton Malaysia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/protonbynazrihadi\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/facebook.com\/protonbynazrihadi\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-01T05:56:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-31T13:07:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/perbandingan-step-up-proton-public-bank-muamalat.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1672\" \/>\n\t<meta property=\"og:image:height\" content=\"941\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Nazri Hadi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Proton Step Up Financing 2026: Jadual &amp; Syarat\" \/>\n<meta name=\"twitter:description\" content=\"Semak ansuran mengikut tier, pilihan bank, model terpilih dan cara mohon loan Proton di Malaysia.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/protonmalaysia.com.my\/wp-content\/uploads\/2025\/11\/perbandingan-step-up-proton-public-bank-muamalat.webp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nazri Hadi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/protonmalaysia.com.my\\\/proton-step-up-financing\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/protonmalaysia.com.my\\\/proton-step-up-financing\\\/\"},\"author\":{\"name\":\"Nazri Hadi\",\"@id\":\"https:\\\/\\\/protonmalaysia.com.my\\\/#\\\/schema\\\/person\\\/0c582b6bdb9d90c49c8edb0062b3afcc\"},\"headline\":\"Proton Step Up Financing 2026: Jadual Ansuran dan Syarat Mohon\",\"datePublished\":\"2025-11-01T05:56:21+00:00\",\"dateModified\":\"2026-07-31T13:07:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/protonmalaysia.com.my\\\/proton-step-up-financing\\\/\"},\"wordCount\":2731,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\\\/\\\/protonmalaysia.com.my\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/protonmalaysia.com.my\\\/proton-step-up-financing\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/protonmalaysia.com.my\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/perbandingan-step-up-proton-public-bank-muamalat.webp\",\"keywords\":[\"Ansuran Proton\",\"Bank Muamalat\",\"Loan Proton\",\"Proton Financing\",\"Proton S70\",\"Proton Saga\",\"Proton X50\",\"Public Bank\",\"Step Up Financing\"],\"articleSection\":[\"Step Up Proton\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/protonmalaysia.com.my\\\/proton-step-up-financing\\\/#respond\"]}],\"copyrightYear\":\"2025\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/protonmalaysia.com.my\\\/en\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/protonmalaysia.com.my\\\/proton-step-up-financing\\\/\",\"url\":\"https:\\\/\\\/protonmalaysia.com.my\\\/proton-step-up-financing\\\/\",\"name\":\"Proton Step Up Financing 2026: Jadual Ansuran dan Syarat Mohon - 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