Adacash Malaysia vs EMLoan Usage & Stats

Adacash adalah perkhidmatan pinjaman dalam talian yang menawarkan pengalaman peminjaman yang lancar dan tanpa kerumitan. Dengan kebolehcapaian yang mudah, peminjam boleh memohon pinjaman pada bila-bila masa, di mana-mana sahaja, menggunakan aplikasi mudah alih mesra pengguna kami tanpa perlu ke bank atau pejabat pemberi pinjaman. Sama ada anda memerlukan dana untuk perbelanjaan yang tidak dijangka, kegunaan peribadi atau menyatukan hutang, aplikasi kami ada untuk anda Kami memberikan maklumat yang jelas tentang terma pinjaman, yuran dan jadual pembayaran balik, agar anda mengetahui perkara berkaitan sebelum anda menerima pinjaman. Produk - Pinjaman: Dari RM 500 sehingga RM 10,000 - Tempoh pinjaman: 92-180 hari - Kadar faedah: sehingga 18% (Maksimum Kadar Peratusan Tahunan = 18%/tahun) digunakan untuk semua pinjaman oleh Adacash *disediakan oleh ROCK WING CAPITAL SDN. BHD. Contoh pengiraan pinjaman: - Jumlah pinjaman: RM 1500 - Tempoh pinjaman: 92 hari (Nota: tempoh minimum 92 hari - tempoh maksimum sehingga 180 hari untuk pinjaman berulang) - Kadar faedah (Maksimum Kadar Peratusan Tahunan=18%/tahun): RM 69 - Jumlah bayaran: RM 1,569.00 Pelanggan membuat bayaran bulanan tetap dalam tempoh 92 hari. Syarat kelayakan untuk mendapatkan pinjaman: - Warganegara Malaysia - Lebih 21 tahun - Mempunyai akaun bank - Mempunyai pendapatan tetap Jika anda mempunyai sebarang pertanyaan, sila hubungi: - Pusat Khidmat & Sokongan Pelanggan: 9:00 pagi - 6:00 petang, Isnin - Jumaat - Nombor Talian: 0327795277 - Facebook: https://www.facebook.com/adacash.my - Laman web: https://www.adacash.my/ - E-mel: help@adacash.my - Alamat: M2-13A-3A, 8Trium Menara 2, Jalan Cempaka BD 12/5, Bandar Sri Damansara, Kuala Lumpur 52200 Wilayah Persekutuan

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EMLoan

Express Mortgage & Loan Sdn Bhd is a microlending app which allows users to apply for a micro loan (RM1,000 to RM10,000) with a comfortable repayment schedule up to 5 years. Fees & Charges: Minimum duration of payment: 6 months Maximum repayment period: 60 months Max. Annual Percentage Rate (APR): 18% Processing Fee (Includes Legal Fee, Stamp Fee, and Service Fee): 1. Stamp Duty: 0.5% on loan amount, 2. Legal Fees: 7.5% on loan amount (including of 6% SST), 3. Insurance Fee: RM15 per year based on the repayment period of apply (if not enough 1 year, count as 1 year) Both stamp duty, legal fees and insurance fee will be incurred upon first loan repayment. Early Termination Fee: We do not charge any early termination fee but customer will not get the deduction of the interest and total payable of loan. Late Payment Fee: RM50 per every time of late payment. Late payment penalty is applied in the next repayment invoice if repayment is not done within 7 calendar days from the date of repayment schedule. Calculation of the Loan Loan Example: Loan Amount: RM3,000.00 Tenure: 3 years Interest Rate: 18.00% p.a. Total payable: Loan + Total interest amount RM3,000 + RM1,620 = RM4,620 to be paid over 3 years Monthly repayment: Total payable/tenure (months) RM4,620/36 months = RM128.33 per month ---------------------------------------------------------------------------------------------------------- Late Payment charge example: Repayment schedule on 1st January but payment was only made on 8th January. Late payment charge will be added in next repayment invoice (February). Calculation: Monthly repayment amount + (late payment fee* how many times of late payment) RM128.33 + (RM50)*1 = RM178.33