27/07/2026
🚨 New Law Alert: The "Rule of 78" is DEAD — Is Your Hire Purchase System Ready?
From 1 June 2026, the Hire-Purchase (Amendment) Act 2026 officially replaces the old flat-rate "Rule of 78" with the fairer Reducing Balance Method. For every NEW hire purchase agreement, interest must now be calculated on the customer's outstanding principal — not front-loaded.
If you run a motor, electrical or furniture shop, this changes how you compute every installment:
✅ Interest is charged on the reducing balance, not a fixed flat rate
✅ Early settlement = customers pay less; no more Rule of 78 rebates to work out
✅ Applies to all NEW agreements — old spreadsheets risk wrong figures & disputes
Manually reworking your installment tables is slow and risky. iFlexi Hire Purchase System auto-calculates monthly installments, overdue interest and receipts for you — and comes in two versions to fit how you work: a Windows desktop version for on-premise control, and a Cloud version so you can manage branches and collections from anywhere. Both post straight to your UBS accounts, with MyKad reader, SMS reminders and CTOS integration built in.
👉 Book a FREE consultation and get your HP system compliant before your next agreement.
📞 +607-360 6666
🌐 www.flexiteam.com.my
📍 Johor Bahru 新山
🚨 新法生效:「78法则」正式走入历史——你的分期系统跟上了吗?
自 2026年6月1日 起,《2026年租购(修正)法令》正式以更公平的**「余额递减法」取代旧有的固定利率「78法则」。所有全新**租购合约的利息,必须按客户的未偿还本金计算,不能再前置收取。
如果你经营摩托、电器或家具分期生意,这将改变你计算每一期供款的方式:
✅ 利息按递减余额计算,不再是固定统一利率
✅ 提前还清 = 客户付更少利息,无需再算「78法则」回扣
✅ 只适用于全新合约——旧表格/人手计算容易出错、引起纠纷
人手重新计算供款表既慢又易错。iFlexi 租购系统可自动计算每月供款、逾期利息与收据,并提供两种版本配合你的运作:Windows 桌面版让你在店内自主掌控,云端版让你随时随地管理分行与收账。两种版本都能直接过账到 UBS 会计系统,并内建 MyKad 读卡器、SMS 提醒与 CTOS 整合。
👉 立即预约免费咨询,在下一份合约签订前让你的分期系统符合新法规。
📞 +607-360 6666
🌐 www.flexiteam.com.my
📍 Johor Bahru 新山
#租购系统 #余额递减法 #78法则 #马来西亚中小企业 #新山 #分期付款