Emicro Loan

Emicro Services Sdn. Bhd. is a licensed moneylender registered under the Ministry of Housing and Local Government (Kementerian Perumahan dan Kerajaan Tempatan or also known as KPKT). And we are also certified by Our Shariah Advisors for Tawarruq Emicro i-Financing Financing Products that empower financial services with fintech solutions.Emicro i-Financing is is an app based financial services platform. With the Emicro app, you can apply for Shariah Concept-based financing anywhere and seamlessly on your smartphone. Our i-Financing come with minimal document requirements and flexible repayment schemes to give you a peace of mind. All you’ll need is just the app to get started.Product Info/Penerangan Produk1.What is the financing amount and profit rate?/ Apakah jumlah pembiayaan dan kadar keuntungan?a)Financing Amount (RM)/ Amaun Pembiayaan (RM): RM500 - RM10,000b)Maximum Annual Percentage Rate (APR) : 18% per annum Kadar Maksimum Tahunan (APR): 18% Setahun c)Financing Tenure (months)/ Tempoh Pembiayaan : 3 - 24 Months/ Buland)Selling Price/ Harga Jualan : Financing Amount + Total Profit / Jumlah Pembiayaan + Jumlah Keuntungan2.How to calculate the monthly installment? / Macam mana ansuran bulanan dikira?A = (P + (P X M X R))/ MA = Monthly Installment Amount/ Jumlah Ansuran BulananP = Financing Amount / Jumlah PembiayaanM= Financing Tenure (in months)/Tempoh Pembiayaan (dalam bulan)R= Profit Rate per month (1.5%) / Kadar Keuntungan Sebulan (1.5%)Example/ Contoh:Financing Amount/ Jumlah Pembiayaan: RM3000Installment Period (Months) / Tempoh Ansuran (Bulan): 12 Months / BulanProfit Rate per month (1.5%)A = (RM3000 + (RM3000 X 12 X 1.5%))/ 12 = (RM3000 + (RM540))/ 12 = RM3540 / 12Monthly Installment Amount/ Jumlah Ansuran Bulanan =RM295Total Profit will be RM540 and Total Repayment will be RM3540Jumlah Keuntungan adalah RM540 dan Jumlah Pembayaran adalah RM3540.3.What other charges do I have to pay? / Apakah caj-caj lain yang perlu saya bayar?a)Processing Fee / Yuran Pemprosesan: RM60 - RM 400i.Maximum fee is RM400 / Yuran maksimum adalah RM400b)Stamp Duty / Duti Setem: Included in processing fee/ Termasuk dalam yuran pemprosesanc)Wakalah Fee / Yuran Wakalah: Included in processing fee/ Termasuk dalam yuran pemprosesan4.What if I fail to fulfill my obligations? / Bagaimana jika saya gagal memenuhi tanggungjawab saya?Late Payment Rate/ Kadar Bayaran Lewat : 1 % per annum/ 1% SetahunLate Payment Recovery Services Fee/ Yuran Perkhidmatan Pemulihan pembayaran lewat : RM25 for any payment exceeding the 7th day of each due date/ RM25 untuk bayaran yang melebihi hari ke-7 hari bayaran.RequirementsAre you eligible for this Emicro i-Financing Program ?Minimum annual incomeRM18000Minimum age21 years oldMaximum age50 years oldWho can ApplyMalaysiansNot be blacklisted by CCRIS & CTOSWHY USE EMICRO?- Easy Application: You just need to ready your Identity card and fill in your details directly in our app.- Fast Approval: Your application can be approved and get your cash today.*-Maximum Annual Percentage Rate (APR) : 18% per annum-Finance installment from 3 months to 24 months.Product Disclosure Sheet Download: https://www.emicro.my/emicrops.pdfHOW IT WORKS:* Fill in your details * Wait for credit check * Verify and digital sign* Get your cash today!* Subject to application made during business hours only.Terms of Service:https://m.emicro.my/Agreement.htmlPrivacy Policy:https://m.emicro.my/Privacy.htmlFeel free to reach us for inquiry:Phone number: +60379711155WhatsApp:+60105051155Email: [email protected]: Lot1901 19th Floor Tower 1 ,Faber Towers, Jalan Desa Bahagia,Taman Desa, 58100, Kuala Lumpur, MalaysiaYour Emergency. Our Priority.