{"id":29940,"date":"2025-11-22T14:44:10","date_gmt":"2025-11-22T06:44:10","guid":{"rendered":"https:\/\/penangindustrial.com\/kalkulator\/kalkulator-pinjaman-industri\/"},"modified":"2025-12-02T12:07:23","modified_gmt":"2025-12-02T04:07:23","slug":"kalkulator-pinjaman-industri","status":"publish","type":"page","link":"https:\/\/penangindustrial.com\/ms\/kalkulator\/kalkulator-pinjaman-industri\/","title":{"rendered":"Kalkulator Pinjaman Industri"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"29940\" class=\"elementor elementor-29940 elementor-29926\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-09a9042 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"09a9042\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a27dab3\" data-id=\"a27dab3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-227c6c4 elementor-widget elementor-widget-heading\" data-id=\"227c6c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Kalkulator Pinjaman Industri<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c69e20 elementor-widget elementor-widget-text-editor\" data-id=\"8c69e20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bandingkan pilihan pembiayaan kilang dan gudang di Malaysia. Gunakan alat ini untuk mengira ansuran bulanan anda, menganalisis margin pinjaman PKS lwn. Korporat, dan menentukan bayaran pendahuluan tunai yang diperlukan untuk pelaburan industri Pulau Pinang anda. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e574e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e574e8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42f5e6a\" data-id=\"42f5e6a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84c1a7d elementor-widget elementor-widget-html\" data-id=\"84c1a7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-widget-container\">\r\n    <div class=\"pi-calculator-wrapper\">\r\n\r\n    <!-- External Libraries for PDF Generation -->\r\n    <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/html2canvas\/1.4.1\/html2canvas.min.js\"><\/script>\r\n    <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/jspdf\/2.5.1\/jspdf.umd.min.js\"><\/script>\r\n\r\n    <div class=\"pi-tool-b2 show-a\" id=\"b2_container\">\r\n        <!-- Watermark Background -->\r\n        <div class=\"pi-watermark-overlay\"><\/div>\r\n        \r\n        <!-- Header for PDF Output Only -->\r\n        <div class=\"pi-print-header\">Laporan Analisis Pinjaman Industri<\/div>\r\n\r\n        <div class=\"pi-b2-content\">\r\n            \r\n            <!-- Mobile Tabs -->\r\n            <div class=\"pi-mobile-tabs\">\r\n                <button class=\"pi-tab-btn active\" onclick=\"pi_switch_tab('a')\">Senario A<\/button>\r\n                <button class=\"pi-tab-btn\" onclick=\"pi_switch_tab('b')\">Senario B<\/button>\r\n                <button class=\"pi-tab-btn\" onclick=\"pi_switch_tab('c')\">Senario C<\/button>\r\n            <\/div>\r\n\r\n            <!-- Main Comparison Grid (Page 1 Content) -->\r\n            <div class=\"pi-b2-grid\">\r\n                \r\n                <!-- Table Headers -->\r\n                <div class=\"pi-row-header\">\r\n                    <div class=\"pi-cell-head\">Perkara<\/div>\r\n                    <div class=\"pi-cell-head col-a\">Senario A<\/div>\r\n                    <div class=\"pi-cell-head col-b\">Senario B<\/div>\r\n                    <div class=\"pi-cell-head col-c\">Senario C<\/div>\r\n                <\/div>\r\n\r\n                <!-- Section 1 -->\r\n                <div class=\"pi-section-row\">1. Parameter Pinjaman<\/div>\r\n                \r\n                <!-- Property Price -->\r\n                <div class=\"pi-row\">\r\n                    <div class=\"pi-cell-label\">Harga Hartanah (RM)<\/div>\r\n                    <div class=\"pi-cell-data col-a\"><input type=\"text\" class=\"pi-b2-input inp-price\" data-s=\"a\" placeholder=\"0\" oninput=\"pi_calc_b2()\"><\/div>\r\n                    <div class=\"pi-cell-data col-b\"><input type=\"text\" class=\"pi-b2-input inp-price\" data-s=\"b\" placeholder=\"0\" oninput=\"pi_calc_b2()\"><\/div>\r\n                    <div class=\"pi-cell-data col-c\"><input type=\"text\" class=\"pi-b2-input inp-price\" data-s=\"c\" placeholder=\"0\" oninput=\"pi_calc_b2()\"><\/div>\r\n                <\/div>\r\n\r\n                <!-- Margin -->\r\n                <div class=\"pi-row\">\r\n                    <div class=\"pi-cell-label\">Margin Pembiayaan (%)<\/div>\r\n                    <div class=\"pi-cell-data col-a\"><input type=\"number\" class=\"pi-b2-input inp-margin\" data-s=\"a\" placeholder=\"85\" oninput=\"pi_calc_b2()\"><\/div>\r\n                    <div class=\"pi-cell-data col-b\"><input type=\"number\" class=\"pi-b2-input inp-margin\" data-s=\"b\" placeholder=\"85\" oninput=\"pi_calc_b2()\"><\/div>\r\n                    <div class=\"pi-cell-data col-c\"><input type=\"number\" class=\"pi-b2-input inp-margin\" data-s=\"c\" placeholder=\"85\" oninput=\"pi_calc_b2()\"><\/div>\r\n                <\/div>\r\n\r\n                <!-- Interest Rate -->\r\n                <div class=\"pi-row\">\r\n                    <div class=\"pi-cell-label\">Kadar Faedah (%)<\/div>\r\n                    <div class=\"pi-cell-data col-a\"><input type=\"number\" class=\"pi-b2-input inp-rate\" data-s=\"a\" placeholder=\"4.5\" oninput=\"pi_calc_b2()\"><\/div>\r\n                    <div class=\"pi-cell-data col-b\"><input type=\"number\" class=\"pi-b2-input inp-rate\" data-s=\"b\" placeholder=\"4.5\" oninput=\"pi_calc_b2()\"><\/div>\r\n                    <div class=\"pi-cell-data col-c\"><input type=\"number\" class=\"pi-b2-input inp-rate\" data-s=\"c\" placeholder=\"4.5\" oninput=\"pi_calc_b2()\"><\/div>\r\n                <\/div>\r\n\r\n                <!-- Tenure -->\r\n                <div class=\"pi-row\">\r\n                    <div class=\"pi-cell-label\">Tempoh (Tahun)<\/div>\r\n                    <div class=\"pi-cell-data col-a\"><input type=\"number\" class=\"pi-b2-input inp-years\" data-s=\"a\" placeholder=\"20\" oninput=\"pi_calc_b2()\"><\/div>\r\n                    <div class=\"pi-cell-data col-b\"><input type=\"number\" class=\"pi-b2-input inp-years\" data-s=\"b\" placeholder=\"20\" oninput=\"pi_calc_b2()\"><\/div>\r\n                    <div class=\"pi-cell-data col-c\"><input type=\"number\" class=\"pi-b2-input inp-years\" data-s=\"c\" placeholder=\"20\" oninput=\"pi_calc_b2()\"><\/div>\r\n                <\/div>\r\n\r\n                <!-- Section 2 -->\r\n                <div class=\"pi-section-row\">2. Aliran Tunai Bulanan<\/div>\r\n                \r\n                <div class=\"pi-row pi-total-row\">\r\n                    <div class=\"pi-cell-label\">Ansuran Bulanan<\/div>\r\n                    <div class=\"pi-cell-data col-a\" id=\"res_monthly_a\">0<\/div>\r\n                    <div class=\"pi-cell-data col-b\" id=\"res_monthly_b\">0<\/div>\r\n                    <div class=\"pi-cell-data col-c\" id=\"res_monthly_c\">0<\/div>\r\n                <\/div>\r\n\r\n                <!-- Section 3 -->\r\n                <div class=\"pi-section-row\">3. Analisis Modal &amp; Kos<\/div>\r\n\r\n                <div class=\"pi-row\">\r\n                    <div class=\"pi-cell-label\">Jumlah Pinjaman<\/div>\r\n                    <div class=\"pi-cell-data col-a\" id=\"res_loan_a\">0<\/div>\r\n                    <div class=\"pi-cell-data col-b\" id=\"res_loan_b\">0<\/div>\r\n                    <div class=\"pi-cell-data col-c\" id=\"res_loan_c\">0<\/div>\r\n                <\/div>\r\n\r\n                <div class=\"pi-row\">\r\n                    <div class=\"pi-cell-label\">Wang Pendahuluan<\/div>\r\n                    <div class=\"pi-cell-data col-a highlight-red\" id=\"res_down_a\">0<\/div>\r\n                    <div class=\"pi-cell-data col-b highlight-red\" id=\"res_down_b\">0<\/div>\r\n                    <div class=\"pi-cell-data col-c highlight-red\" id=\"res_down_c\">0<\/div>\r\n                <\/div>\r\n\r\n                <div class=\"pi-row\">\r\n                    <div class=\"pi-cell-label\">Jumlah Kos Faedah<\/div>\r\n                    <div class=\"pi-cell-data col-a\" id=\"res_interest_a\">0<\/div>\r\n                    <div class=\"pi-cell-data col-b\" id=\"res_interest_b\">0<\/div>\r\n                    <div class=\"pi-cell-data col-c\" id=\"res_interest_c\">0<\/div>\r\n                <\/div>\r\n\r\n                 <div class=\"pi-row\">\r\n                    <div class=\"pi-cell-label\">Jumlah Kos Aset<\/div>\r\n                    <div class=\"pi-cell-data col-a\" id=\"res_total_cost_a\">0<\/div>\r\n                    <div class=\"pi-cell-data col-b\" id=\"res_total_cost_b\">0<\/div>\r\n                    <div class=\"pi-cell-data col-c\" id=\"res_total_cost_c\">0<\/div>\r\n                <\/div>\r\n            <\/div>\r\n            \r\n            <!-- Hidden Amortization Section (Pages 2, 3, 4) -->\r\n            <div id=\"pi_amort_section\"><\/div>\r\n\r\n            <!-- Mobile Comparison Summary -->\r\n            <div class=\"pi-mobile-compare\">\r\n                <div class=\"pi-mob-comp-col\"> <span class=\"pi-mob-comp-lbl\">ANSURAN A<\/span> <span class=\"pi-mob-comp-val\" id=\"mob_mth_a\">0<\/span> <\/div>\r\n                <div class=\"pi-mob-comp-col\"> <span class=\"pi-mob-comp-lbl\">ANSURAN B<\/span> <span class=\"pi-mob-comp-val\" id=\"mob_mth_b\">0<\/span> <\/div>\r\n                <div class=\"pi-mob-comp-col\"> <span class=\"pi-mob-comp-lbl\">ANSURAN C<\/span> <span class=\"pi-mob-comp-val\" id=\"mob_mth_c\">0<\/span> <\/div>\r\n            <\/div>\r\n            \r\n            <!-- Mobile Note -->\r\n            <div class=\"pi-mobile-note\">\r\n                Nota: Klik butang di bawah untuk laporan PDF penuh.\r\n            <\/div>\r\n\r\n            <!-- Action Buttons -->\r\n            <div class=\"pi-action-row\">\r\n                <button class=\"pi-btn pi-btn-secondary\" onclick=\"pi_copy_scenario()\">\r\n                    <i class=\"fas fa-copy\"><\/i> Salin A \u2192 B &amp; C\r\n                <\/button>\r\n                <button class=\"pi-btn pi-btn-primary\" onclick=\"pi_open_modal()\">\r\n                    <i class=\"fas fa-envelope\"><\/i> E-mel Laporan PDF Terperinci\r\n                <\/button>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- PDF Footer -->\r\n        <div class=\"pi-print-footer\">\r\n            <div style=\"font-weight:bold; margin-bottom:5px;\">Disediakan oleh PenangIndustrial.com<\/div>\r\n            <div style=\"font-size:8px; color:#666; text-align:justify; line-height:1.2;\">\r\n                <strong>Penafian Umum:<\/strong> Alat dan kalkulator yang disediakan di PenangIndustrial.com direka untuk tujuan anggaran awal dan perancangan strategik sahaja. Walaupun setiap usaha dibuat untuk memastikan ketepatan, keputusan ini tidak membentuk nasihat teknikal atau kewangan rasmi. Pengguna amat dinasihatkan untuk berunding dengan profesional yang bertauliah sebelum membuat keputusan pelaburan muktamad. PenangIndustrial.com tidak menanggung liabiliti bagi kesilapan, peninggalan, atau keputusan yang dibuat berdasarkan anggaran ini.\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <!-- Modal HTML -->\r\n    <div id=\"pi-modal\" class=\"pi-modal-overlay\">\r\n        <div class=\"pi-modal-box\">\r\n            <span class=\"pi-close-btn\" onclick=\"pi_close_modal()\">\u00d7<\/span>\r\n            <div class=\"pi-modal-header\">Dapatkan Laporan Pinjaman Anda<\/div>\r\n            <div class=\"pi-modal-body\">\r\n                <p>Sila masukkan e-mel anda untuk menerima salinan PDF simulasi pinjaman ini.<\/p>\r\n                <div id=\"pi_msg_box\" style=\"display:none; padding:10px; margin-bottom:10px; border-radius:4px; font-size:0.9rem;\"><\/div>\r\n                <input type=\"text\" id=\"pi_user_name\" class=\"pi-modal-input\" placeholder=\"Nama Anda (Pilihan)\">\r\n                <input type=\"email\" id=\"pi_user_email\" class=\"pi-modal-input\" placeholder=\"Alamat E-mel (Wajib)\">\r\n                <div class=\"pi-privacy-note\">Kami menghormati privasi anda. Tiada spam.<\/div>\r\n                <button class=\"pi-btn pi-btn-primary\" onclick=\"pi_send_pdf_data()\" id=\"pi_submit_btn\" style=\"width:100%; justify-content:center; margin-top:10px;\">Hantar Laporan Sekarang<\/button>\r\n                <div id=\"pi_loading\" style=\"display:none; text-align:center; font-size:0.8rem; color:#666; margin-top:5px;\">\r\n                    Menjana PDF... <i class=\"fas fa-spinner fa-spin\"><\/i>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n\r\n<\/div>\r\n\r\n<!-- CSS STYLES -->\r\n<style>\r\n\/* --- CORE RESET --- *\/\r\n.pi-calculator-wrapper {\r\n    font-family: 'Montserrat', 'Inter', sans-serif;\r\n    color: #1A202C;\r\n    margin: 20px 0;\r\n    width: 100%;\r\n}\r\n.pi-tool-b2 { \r\n    max-width: 100%; \r\n    margin: 0 auto; \r\n    background: #ffffff; \r\n    border: 1px solid #e2e8f0; \r\n    border-radius: 8px; \r\n    padding: 20px; \r\n    box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1); \r\n    position: relative; \r\n    overflow: hidden; \r\n}\r\n\r\n\/* --- WATERMARK --- *\/\r\n.pi-watermark-overlay { \r\n    position: absolute; top: 0; left: 0; width: 100%; height: 100%; \r\n    pointer-events: none; z-index: 10; opacity: 0.12; \r\n    background-image: url(\"data:image\/svg+xml,%3Csvg width='300' height='300' viewBox='0 0 300 300' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Ctext x='50%25' y='50%25' fill='%23334155' font-family='Arial' font-size='24' font-weight='bold' transform='rotate(-45 150 150)' text-anchor='middle'%3EPenangIndustrial.com%3C\/text%3E%3C\/svg%3E\"); \r\n}\r\n.pi-b2-content { position: relative; z-index: 1; }\r\n\r\n\/* --- GRID SYSTEM --- *\/\r\n.pi-b2-grid {\r\n    display: grid !important;\r\n    grid-template-columns: 200px 1fr 1fr 1fr;\r\n    width: 100%;\r\n    border: 1px solid #e2e8f0;\r\n    border-radius: 8px;\r\n    overflow: hidden;\r\n    background: #fff;\r\n}\r\n.pi-row-header { display: contents; }\r\n.pi-cell-head {\r\n    background: #1A202C; \r\n    color: #ffffff;\r\n    padding: 12px;\r\n    font-weight: 600;\r\n    text-align: center;\r\n    font-size: 0.9rem;\r\n    border-right: 1px solid rgba(255,255,255,0.1);\r\n}\r\n.pi-cell-head:last-child { border-right: none; }\r\n\r\n.pi-row { display: contents; }\r\n\r\n.pi-cell-label {\r\n    background: #f8fafc;\r\n    padding: 10px 12px;\r\n    border-bottom: 1px solid #e2e8f0;\r\n    border-right: 1px solid #e2e8f0;\r\n    font-size: 0.85rem;\r\n    font-weight: 600;\r\n    color: #475569;\r\n    display: flex;\r\n    flex-direction: column;\r\n    justify-content: center;\r\n}\r\n.pi-cell-data {\r\n    background: rgba(255, 255, 255, 0.95);\r\n    padding: 8px;\r\n    border-bottom: 1px solid #e2e8f0;\r\n    border-right: 1px solid #e2e8f0;\r\n    display: flex;\r\n    flex-direction: column;\r\n    justify-content: center;\r\n    align-items: flex-end;\r\n}\r\n.pi-cell-data:last-child { border-right: none; }\r\n\r\n\/* --- SECTION HEADERS --- *\/\r\n.pi-section-row {\r\n    grid-column: 1 \/ -1;\r\n    background: #F1F5F9;\r\n    padding: 8px 15px;\r\n    font-size: 0.75rem;\r\n    font-weight: 700;\r\n    text-transform: uppercase;\r\n    letter-spacing: 1px;\r\n    color: #64748b;\r\n    border-bottom: 1px solid #e2e8f0;\r\n}\r\n\r\n\/* --- INPUTS --- *\/\r\n.pi-b2-input {\r\n    width: 100%; padding: 6px 10px; font-size: 0.9rem; border: 1px solid #cbd5e1; border-radius: 4px; text-align: right; transition: all 0.2s; background: #fff; color: #334155; position: relative; z-index: 20;\r\n}\r\n.pi-b2-input:focus { border-color: #B48C44; outline: none; box-shadow: 0 0 0 2px rgba(180, 140, 68, 0.2); }\r\n\r\n\/* --- TOTALS & HIGHLIGHTS --- *\/\r\n.pi-total-row .pi-cell-data { background: #fffbeb; color: #92400e; font-weight: 800; font-size: 1.1rem; }\r\n.highlight-red { color: #b91c1c; font-weight: 700; }\r\n\r\n\/* --- BUTTONS --- *\/\r\n.pi-action-row { margin-top: 20px; display: flex; gap: 10px; justify-content: flex-end; }\r\n.pi-btn {\r\n    padding: 10px 20px; border: none; border-radius: 4px; font-weight: 600; font-size: 0.9rem; cursor: pointer; display: inline-flex; align-items: center; gap: 8px; transition: background 0.2s; position: relative; z-index: 20;\r\n}\r\n.pi-btn-primary { background: #B48C44; color: white; }\r\n.pi-btn-primary:hover { background: #9a7635; }\r\n.pi-btn-secondary { background: #f1f5f9; color: #475569; border: 1px solid #cbd5e1; }\r\n.pi-btn-secondary:hover { background: #e2e8f0; }\r\n\r\n\/* --- TABS --- *\/\r\n.pi-mobile-tabs { display: none; margin-bottom: 10px; gap: 5px; }\r\n.pi-tab-btn { flex: 1; padding: 10px; background: #f1f5f9; border: 1px solid #cbd5e1; border-radius: 4px; color: #64748b; font-weight: 600; cursor: pointer; }\r\n.pi-tab-btn.active { background: #B48C44; color: white; border-color: #B48C44; }\r\n\r\n\/* --- AMORTIZATION TABLE (PDF ONLY) --- *\/\r\n#pi_amort_section { display: none; margin-top: 20px; }\r\n.pi-amort-container { margin-bottom: 20px; }\r\n.pi-amort-title { font-size: 16px; font-weight: 700; margin-bottom: 10px; color: #1e293b; border-bottom: 2px solid #cbd5e1; padding-bottom: 5px; }\r\n.pi-amort-table { width: 100%; border-collapse: collapse; font-size: 11px; }\r\n.pi-amort-table th, .pi-amort-table td { border: 1px solid #e2e8f0; padding: 6px; text-align: center; }\r\n.pi-amort-table th { background: #f8fafc; font-weight: 700; color: #334155; }\r\n.pi-amort-table tr:nth-child(even) { background: #f9fafb; }\r\n\r\n\/* --- UTILS --- *\/\r\n.pi-hidden { display: none; }\r\n.pi-print-header, .pi-print-footer, .pi-mobile-compare { display: none; }\r\n\r\n\/* --- MODAL --- *\/\r\n.pi-modal-overlay { display: none; position: fixed; top:0; left:0; width:100%; height:100%; background: rgba(0,0,0,0.5); z-index:9999; justify-content: center; align-items: center; }\r\n.pi-modal-box { background: white; padding: 25px; border-radius: 8px; width: 90%; max-width: 400px; position: relative; box-shadow: 0 20px 25px -5px rgba(0,0,0,0.1); }\r\n.pi-close-btn { position: absolute; top: 10px; right: 15px; font-size: 24px; cursor: pointer; }\r\n.pi-modal-header { font-size: 1.2rem; font-weight: 700; margin-bottom: 10px; color: #1A202C; }\r\n.pi-modal-input { display: block; width: 100%; padding: 10px; margin-bottom: 10px; border: 1px solid #cbd5e1; border-radius: 4px; }\r\n.pi-privacy-note { font-size: 0.75rem; color: #94a3b8; text-align: center; }\r\n\r\n\/* --- MOBILE OPTIMIZATION --- *\/\r\n@media (max-width: 768px) {\r\n    .pi-row-header { display: none !important; }\r\n    .pi-tool-b2 { width: calc(100vw - 30px) !important; margin-left: -15px !important; margin-right: -15px !important; padding: 10px !important; border: none; }\r\n    .pi-b2-grid { grid-template-columns: 35% 65% !important; border: 1px solid #e2e8f0; }\r\n    .col-a, .col-b, .col-c { display: none !important; }\r\n    .pi-tool-b2.show-a .col-a, .pi-tool-b2.show-b .col-b, .pi-tool-b2.show-c .col-c { display: flex !important; }\r\n    .pi-mobile-tabs { display: flex; margin-bottom: 5px; gap: 4px; }\r\n    .pi-tab-btn { padding: 6px 4px; font-size: 11px; line-height: 1.2; min-height: auto; }\r\n    .pi-cell-label { font-size: 11px !important; padding: 6px !important; line-height: 1.1; word-wrap: break-word; }\r\n    .pi-cell-data { padding: 4px !important; }\r\n    .pi-b2-input { font-size: 12px !important; padding: 4px !important; height: 32px; }\r\n    .pi-section-row { font-size: 10px !important; padding: 5px 8px; }\r\n    .pi-mobile-compare { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 2px; margin-top: 10px; padding: 5px; background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 6px; }\r\n    .pi-mob-comp-col { text-align: center; }\r\n    .pi-mob-comp-lbl { font-size: 9px; color: #166534; font-weight: 700; display: block; }\r\n    .pi-mob-comp-val { font-size: 11px; color: #166534; font-weight: 800; }\r\n    .pi-mobile-note { display: block; font-size: 0.7rem; color: #64748b; font-style: italic; text-align: center; margin-top: 10px; padding: 0 5px; }\r\n    .pi-action-row { flex-direction: column; gap: 8px; }\r\n    .pi-btn { width: 100%; padding: 12px; font-size: 13px; }\r\n}\r\n\r\n\/* --- PDF CAPTURE OVERRIDES --- *\/\r\n.pi-pdf-capture-mode { width: 1000px !important; max-width: 1000px !important; position: fixed; top: 0; left: 0; z-index: -100; background: white; padding: 30px; }\r\n.pi-pdf-capture-mode .pi-b2-grid { grid-template-columns: 200px 1fr 1fr 1fr !important; }\r\n.pi-pdf-capture-mode .col-a, .pi-pdf-capture-mode .col-b, .pi-pdf-capture-mode .col-c { display: flex !important; }\r\n.pi-pdf-capture-mode .pi-row-header { display: contents !important; } \r\n.pi-pdf-capture-mode .pi-cell-head { display: flex !important; align-items: center; justify-content: center; width: 100%; }\r\n.pi-pdf-capture-mode .pi-print-header, .pi-pdf-capture-mode .pi-print-footer { display: block !important; }\r\n.pi-pdf-capture-mode .pi-mobile-tabs, .pi-pdf-capture-mode .pi-action-row, .pi-pdf-capture-mode .pi-mobile-compare, .pi-pdf-capture-mode .pi-mobile-note { display: none !important; }\r\n.pi-pdf-capture-mode .pi-watermark-overlay { opacity: 0.1 !important; z-index: 99 !important; }\r\n\/* Note: Amortization visibility is handled by JS logic *\/\r\n<\/style>\r\n\r\n<script>\r\n(function() {\r\n    function getVal(sel) { let el = document.querySelector(sel); return el ? (parseFloat(el.value.replace(\/,\/g, '')) || 0) : 0; }\r\n    function fmt(n) { return n.toLocaleString('en-US', {maximumFractionDigits: 0}); }\r\n    function fmtCompact(n) { return (n > 1000) ? (n\/1000).toFixed(1)+'k' : n.toFixed(0); }\r\n\r\n    let loans = { a:null, b:null, c:null };\r\n\r\n    window.pi_calc_b2 = function() {\r\n        ['a', 'b', 'c'].forEach(s => {\r\n            let price = getVal(`.inp-price[data-s=\"${s}\"]`);\r\n            let margin = getVal(`.inp-margin[data-s=\"${s}\"]`);\r\n            let rate = getVal(`.inp-rate[data-s=\"${s}\"]`);\r\n            let years = getVal(`.inp-years[data-s=\"${s}\"]`);\r\n\r\n            if (price === 0 || margin === 0 || years === 0) {\r\n                loans[s] = null;\r\n                return;\r\n            }\r\n\r\n            let principal = price * (margin \/ 100);\r\n            let downpayment = price - principal;\r\n            let monthlyRate = (rate \/ 100) \/ 12;\r\n            let months = years * 12;\r\n            let installment = 0;\r\n            if (rate > 0) {\r\n                let x = Math.pow(1 + monthlyRate, months);\r\n                installment = principal * ((monthlyRate * x) \/ (x - 1));\r\n            } else {\r\n                installment = principal \/ months;\r\n            }\r\n\r\n            let totalPay = installment * months;\r\n            let totalInterest = totalPay - principal;\r\n            let totalCost = price + totalInterest;\r\n            \r\n            loans[s] = { principal: principal, rate: monthlyRate, years: years, installment: installment };\r\n\r\n            document.getElementById(`res_monthly_${s}`).innerText = fmt(installment);\r\n            document.getElementById(`res_loan_${s}`).innerText = fmt(principal);\r\n            document.getElementById(`res_down_${s}`).innerText = fmt(downpayment);\r\n            document.getElementById(`res_interest_${s}`).innerText = fmt(totalInterest);\r\n            document.getElementById(`res_total_cost_${s}`).innerText = fmt(totalCost);\r\n            document.getElementById(`mob_mth_${s}`).innerText = fmtCompact(installment);\r\n        });\r\n    }\r\n\r\n    window.pi_copy_scenario = function() {\r\n        let src = 'a';\r\n        ['b', 'c'].forEach(dest => {\r\n            document.querySelector(`.inp-price[data-s=\"${dest}\"]`).value = document.querySelector(`.inp-price[data-s=\"${src}\"]`).value;\r\n            document.querySelector(`.inp-margin[data-s=\"${dest}\"]`).value = document.querySelector(`.inp-margin[data-s=\"${src}\"]`).value;\r\n            document.querySelector(`.inp-rate[data-s=\"${dest}\"]`).value = document.querySelector(`.inp-rate[data-s=\"${src}\"]`).value;\r\n            document.querySelector(`.inp-years[data-s=\"${dest}\"]`).value = document.querySelector(`.inp-years[data-s=\"${src}\"]`).value;\r\n        });\r\n        pi_calc_b2();\r\n    }\r\n    \r\n    window.pi_switch_tab = function(t) {\r\n        document.getElementById('b2_container').className = `pi-tool-b2 show-${t}`;\r\n        document.querySelectorAll('.pi-tab-btn').forEach(b => b.classList.remove('active'));\r\n        event.target.classList.add('active');\r\n    }\r\n\r\n    window.pi_open_modal = function() { document.getElementById('pi-modal').style.display = 'flex'; }\r\n    window.pi_close_modal = function() { document.getElementById('pi-modal').style.display = 'none'; }\r\n\r\n    \/\/ --- PDF GENERATION LOGIC (MULTI-PAGE) ---\r\n    window.pi_send_pdf_data = async function() {\r\n        let email = document.getElementById('pi_user_email').value;\r\n        let name = document.getElementById('pi_user_name').value;\r\n        let msgBox = document.getElementById('pi_msg_box');\r\n        let btn = document.getElementById('pi_submit_btn');\r\n        let loading = document.getElementById('pi_loading');\r\n        \r\n        if (typeof pi_calc_vars === 'undefined') {\r\n            alert('System Error: \"pi_calc_vars\" missing.'); return;\r\n        }\r\n        if(!email || !email.includes('@')) {\r\n            msgBox.style.display='block'; msgBox.style.background='#fecaca'; msgBox.style.color='#991b1b'; msgBox.innerText='Sila masukkan alamat e-mel yang sah.';\r\n            return;\r\n        }\r\n\r\n        btn.disabled = true; btn.innerText = \"Memproses...\"; loading.style.display = 'block'; msgBox.style.display = 'none';\r\n\r\n        \/\/ 1. SETUP JS PDF\r\n        const { jsPDF } = window.jspdf;\r\n        var doc = new jsPDF('p', 'mm', 'a4');\r\n        var pdfWidth = 210; \r\n        var margin = 10;\r\n        var imgWidth = 210 - (margin * 2);\r\n\r\n        \/\/ 2. Clone for Capture\r\n        let original = document.querySelector(\".pi-tool-b2\");\r\n        let clone = original.cloneNode(true);\r\n        clone.classList.add(\"pi-pdf-capture-mode\");\r\n        document.body.appendChild(clone);\r\n        \r\n        \/\/ 3. Sync Values & Commas\r\n        let origInputs = original.querySelectorAll('input');\r\n        let cloneInputs = clone.querySelectorAll('input');\r\n        for(let i=0; i<origInputs.length; i++) { \r\n            let val = origInputs[i].value;\r\n            if(origInputs[i].classList.contains('inp-price') && val) {\r\n                val = parseFloat(val).toLocaleString('en-US');\r\n            }\r\n            cloneInputs[i].value = val; \r\n        }\r\n\r\n        \/\/ Helper to Capture Section\r\n        async function captureAndAdd(element, isFirstPage) {\r\n            if (!isFirstPage) doc.addPage();\r\n            \/\/ Wait slightly for render\r\n            await new Promise(r => setTimeout(r, 100));\r\n            const canvas = await html2canvas(element, { scale: 1.2, useCORS: true, logging: false });\r\n            const imgData = canvas.toDataURL('image\/jpeg', 0.85);\r\n            const imgHeight = canvas.height * imgWidth \/ canvas.width;\r\n            doc.addImage(imgData, 'JPEG', margin, margin, imgWidth, imgHeight);\r\n        }\r\n\r\n        try {\r\n            \/\/ --- PAGE 1: SUMMARY ---\r\n            \/\/ Hide Amortization on Page 1\r\n            clone.querySelector('#pi_amort_section').style.display = 'none'; \r\n            await captureAndAdd(clone, true);\r\n\r\n            \/\/ --- PAGE 2, 3, 4: SCENARIOS ---\r\n            \/\/ CRITICAL FIX: REMOVE THE SUMMARY GRID FROM THE CLONE COMPLETELY\r\n            var summaryGrid = clone.querySelector('.pi-b2-grid');\r\n            if(summaryGrid) summaryGrid.remove(); \r\n\r\n            \/\/ Show Amortization Container\r\n            var amortContainer = clone.querySelector('#pi_amort_section');\r\n            amortContainer.style.display = 'block';\r\n            \r\n            const scenarios = ['a', 'b', 'c'];\r\n\r\n            for (const s of scenarios) {\r\n                if (loans[s]) {\r\n                    \/\/ Generate Table for this scenario ONLY (MALAY HEADERS)\r\n                    let html = `<div class=\"pi-amort-container\">\r\n                        <div class=\"pi-amort-title\">Jadual Senario ${s.toUpperCase()} (${loans[s].years} Tahun)<\/div>\r\n                        <table class=\"pi-amort-table\">\r\n                            <thead><tr>\r\n                                <th style=\"width:10%\">Tahun<\/th>\r\n                                <th>Pokok Dibayar<\/th>\r\n                                <th>Faedah Dibayar<\/th>\r\n                                <th>Baki Pinjaman<\/th>\r\n                            <\/tr><\/thead><tbody>`;\r\n\r\n                    let balance = loans[s].principal;\r\n                    for (let y = 1; y <= loans[s].years; y++) {\r\n                        let yearPrinc = 0;\r\n                        let yearInt = 0;\r\n                        for(let m=0; m<12; m++){\r\n                            let interest = balance * loans[s].rate;\r\n                            let principal = loans[s].installment - interest;\r\n                            if(balance - principal < 0) principal = balance;\r\n                            balance -= principal;\r\n                            yearPrinc += principal;\r\n                            yearInt += interest;\r\n                        }\r\n                        html += `<tr>\r\n                            <td>${y}<\/td>\r\n                            <td>${fmt(yearPrinc)}<\/td>\r\n                            <td>${fmt(yearInt)}<\/td>\r\n                            <td>${fmt(Math.max(0, balance))}<\/td>\r\n                        <\/tr>`;\r\n                    }\r\n                    html += `<\/tbody><\/table><\/div>`;\r\n                    \r\n                    amortContainer.innerHTML = html; \/\/ Inject ONLY current scenario\r\n                    await captureAndAdd(clone, false); \/\/ Capture as new page\r\n                }\r\n            }\r\n\r\n            \/\/ Clean Up\r\n            document.body.removeChild(clone);\r\n\r\n            \/\/ Send PDF\r\n            var pdfBlob = doc.output('blob');\r\n            var formData = new FormData();\r\n            formData.append('action', 'pi_send_pdf_report');\r\n            formData.append('security', pi_calc_vars.security);\r\n            formData.append('user_email', email);\r\n            formData.append('user_name', name);\r\n            formData.append('user_lang', 'ms'); \/\/ MS Language Trigger\r\n            formData.append('report_type', 'loan'); \r\n            formData.append('pdf_file', pdfBlob, 'report.pdf');\r\n            \r\n            fetch(pi_calc_vars.ajax_url, { method: 'POST', body: formData })\r\n            .then(response => response.json())\r\n            .then(data => {\r\n                if(data.success) {\r\n                    msgBox.style.display='block'; msgBox.style.background='#bbf7d0'; msgBox.style.color='#166534'; msgBox.innerText = 'Berjaya! Sila semak peti masuk e-mel anda.';\r\n                    loading.style.display = 'none'; btn.innerText = \"Dihantar!\";\r\n                    setTimeout(() => { pi_close_modal(); btn.disabled=false; btn.innerText=\"Hantar Laporan Sekarang\"; }, 3000);\r\n                } else { throw new Error(data.data.message || 'Server error'); }\r\n            })\r\n            .catch(error => {\r\n                msgBox.style.display='block'; msgBox.style.background='#fecaca'; msgBox.style.color='#991b1b'; msgBox.innerText = 'Ralat: ' + error.message;\r\n                loading.style.display = 'none'; btn.disabled = false; btn.innerText = \"Cuba Lagi\";\r\n            });\r\n\r\n        } catch (e) { \r\n            if(document.body.contains(clone)) document.body.removeChild(clone);\r\n            console.error(e); \r\n            alert(\"Ralat semasa menjana laporan: \" + e.message);\r\n            btn.disabled = false; loading.style.display = 'none';\r\n        }\r\n    }\r\n\r\n    setTimeout(() => {\r\n        pi_calc_b2(); \r\n    }, 500);\r\n\r\n})();\r\n<\/script>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ad41c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ad41c8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e1f6d3\" data-id=\"3e1f6d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3730b12 elementor-widget elementor-widget-heading\" data-id=\"3730b12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Panduan Pembiayaan Hartanah Industri di Pulau Pinang &amp; Malaysia<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89ce8d6 elementor-widget elementor-widget-text-editor\" data-id=\"89ce8d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"10\">Margin Pembiayaan (MOF) untuk Kilang Berbeza dengan pinjaman perumahan kediaman (yang selalunya memperoleh 90%), pinjaman hartanah industri secara amnya mempunyai margin yang lebih rendah bergantung kepada jenis aset dan profil peminjam:<\/p><ul data-path-to-node=\"11\"><li><p data-path-to-node=\"11,0,0\">Pinjaman Pelaburan \/ PKS: Biasanya 70% hingga 85% untuk kilang sesebuah atau unit berkembar.<\/p><\/li><li><p data-path-to-node=\"11,1,0\">Diduduki Pemilik (MNC\/Korporat): Boleh mencecah sehingga 85% &#8211; 90% untuk syarikat dengan rekod prestasi yang kukuh.<\/p><\/li><li><p data-path-to-node=\"11,2,0\">Kesan: MOF yang lebih rendah memerlukan bayaran pendahuluan tunai yang lebih tinggi, memberi kesan kepada pengeluaran modal awal untuk memperoleh tanah industri atau kilang siap bina.<\/p><\/li><\/ul><p data-path-to-node=\"12\">2. Tempoh Pinjaman Komersial Tempoh bayaran balik bagi pembiayaan komersial dan industri biasanya lebih singkat berbanding pinjaman perumahan kediaman.<\/p><ul data-path-to-node=\"13\"><li><p data-path-to-node=\"13,0,0\">Tempoh Maksimum: Biasanya dihadkan kepada 20 hingga 25 tahun (atau sehingga umur 70 tahun bagi pengarah utama).<\/p><\/li><li><p data-path-to-node=\"13,1,0\">Strategi: Walaupun tempoh yang lebih singkat meningkatkan ansuran bulanan, ia mengurangkan Jumlah Faedah Yang Perlu Dibayar secara ketara sepanjang tempoh pinjaman.<\/p><\/li><\/ul><p data-path-to-node=\"14\">3. Kadar Faedah &amp; Pengiraan Kalkulator ini menggunakan formula Pelunasan (Baki Berkurangan) dengan pengiraan faedah Rehat Harian, standard bagi pinjaman berjangka komersial di Malaysia.<\/p><ul data-path-to-node=\"15\"><li><p data-path-to-node=\"15,0,0\">Kadar: Faedah biasanya disandarkan kepada Kadar Asas (BR) bank atau Kos Dana (COF) ditambah dengan spread (cth., BR + 1.5%).<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-813a4e8 elementor-widget elementor-widget-text-editor\" data-id=\"813a4e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"16\"><b>Penafian<\/b><\/p><blockquote data-path-to-node=\"17\"><p data-path-to-node=\"17,0\">Keputusan yang disediakan adalah anggaran untuk tujuan perancangan sahaja dan tidak termasuk Jaminan Tempoh Pengurangan Gadai Janji (MRTA), yuran pemprosesan bank, atau yuran penilaian. Kadar faedah dan margin muktamad adalah tertakluk kepada penilaian kredit oleh institusi kewangan masing-masing. <\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a465ec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a465ec\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1401850\" data-id=\"1401850\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f80978 elementor-widget elementor-widget-text-editor\" data-id=\"4f80978\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Penafian Umum: Alat, kalkulator, dan simulasi data yang disediakan di PenangIndustrial.com direka untuk tujuan anggaran awal dan perancangan strategik sahaja. Walaupun segala usaha dilakukan untuk memastikan ketepatan berdasarkan piawaian Malaysia dan garis panduan JUPEM semasa, keputusan ini tidak merupakan ukur tanah rasmi, pensijilan kejuruteraan struktur, atau nasihat kewangan. Pengguna amat dinasihatkan untuk berunding dengan profesional bertauliah (Juruukur, Jurutera, Akauntan, atau Peguam) sebelum membuat keputusan pelaburan atau operasi muktamad. PenangIndustrial.com tidak menanggung liabiliti bagi ralat, peninggalan, atau keputusan yang dibuat berdasarkan anggaran ini.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kalkulator Pinjaman Industri Bandingkan pilihan pembiayaan kilang dan gudang di Malaysia. Gunakan alat ini untuk mengira ansuran bulanan anda, menganalisis margin pinjaman PKS lwn. Korporat, dan menentukan bayaran pendahuluan tunai yang diperlukan untuk pelaburan industri Pulau Pinang anda. Laporan Analisis Pinjaman Industri Senario A Senario B Senario C Perkara Senario A Senario B Senario C [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":29843,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-29940","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/penangindustrial.com\/ms\/wp-json\/wp\/v2\/pages\/29940","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/penangindustrial.com\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/penangindustrial.com\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/penangindustrial.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/penangindustrial.com\/ms\/wp-json\/wp\/v2\/comments?post=29940"}],"version-history":[{"count":12,"href":"https:\/\/penangindustrial.com\/ms\/wp-json\/wp\/v2\/pages\/29940\/revisions"}],"predecessor-version":[{"id":30360,"href":"https:\/\/penangindustrial.com\/ms\/wp-json\/wp\/v2\/pages\/29940\/revisions\/30360"}],"up":[{"embeddable":true,"href":"https:\/\/penangindustrial.com\/ms\/wp-json\/wp\/v2\/pages\/29843"}],"wp:attachment":[{"href":"https:\/\/penangindustrial.com\/ms\/wp-json\/wp\/v2\/media?parent=29940"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}