3月29日的MoneyThunder: Legal lending应用程序分析

New! MoneyThunder, legal digital lending mobile app, powered by ABACUS digital under SCBx subsidiaries and supervised by the Bank of Thailand. Why MoneyThunder? • Legal mobile app under the supervision of the Bank of Thailand with high data privacy and security governed by Personal Data Protection Act (PDPA) • Quick cash solution with instant loan decision and 10-min time-to-money • Easy to apply with ID card with service available 24/7 MoneyThunder offers 2 loan types which will be personalized for you. For both loans, no collateral/guarantor, deposit fee or pre-loan transfer fee, and no withdrawal fee or prepayment fee are required. 1. Personal Loan • Credit limit: THB1,000,000 • Monthly interest rate 1.75% - 2.08% (20.99% - 25% APR) 2. Nano Finance Loan • Credit limit: THB100,000 • Monthly interest rate 2.75% (33% APR) 2 Types of loan product offering from MoneyThunder 1. Revolving credit – Unlimited withdrawal with minimum payment THB200 (Calculated from 2% of principal + interest) 2. Term loan – Installment payment plan with min 12-month – max 60-month tenor. Example of installment (principal + interest) calculation for MoneyThunder loan product offering (Nano Finance): On 1 January 2022, the customer signs a loan contract with MoneyThunder with credit limit THB 10,000 with 12 monthly installments • Credit limit THB10,000 • Money transferred to your bank account THB10,000 • APR 33% • Tenor = 12 months • Due date every 28th Therefore, • 28 Jan 2022, pay THB987.00 with the principle=THB742.89, accrued 28day interest 10,000.00*33%*28/365=THB244.11 The remaining principal=THB9257.11 • 28 Feb 2022, pay THB987.00 with the principle=THB727.55, accrued 31day interest 9257.11*33%*31/365=THB259.45 The remaining principal=THB8529.56 • 28 Mar 2022, pay THB987.00 with the principle=THB771.07, accrued 28day interest 8529.56*33%*28/365=THB215.93 The remaining principal=THB7758.49 • 28 Apr 2022, pay THB987.00 with the principle=THB769.55, accrued 31day interest 7758.49*33%*31/365=THB217.45 The remaining principal=THB6988.94 • 28 May 2022, pay THB987.00 with the principle=THB797.44, accrued 30day interest 6988.94*33%*30/365=THB189.56 The remaining principal=THB6191.50 • 28 Jun 2022, pay THB987.00 with the principle=THB813.47, accrued 31day interest 6191.50*33%*31/365=THB173.53 The remaining principal=THB5378.03 • 28 Jul 2022, pay THB987.00 with the principle=THB841.13, accrued 30day interest 5378.03*33%*30/365=THB145.87 The remaining principal=THB4536.90 • 28 Aug 2022, pay THB987.00 with the principle=THB859.84, accrued 31day interest 4536.90*33%*31/365=THB127.16 The remaining principal=THB3677.06 • 28 Sep 2022, pay THB987.00 with the principle=THB883.94, accrued 31day interest 3677.06*33%*31/365=THB103.06 The remaining principal=THB2793.12 • 28 Oct 2022, pay THB987.00 with the principle=THB911.24, accrued 30day interest 2793.12*33%*30/365=THB75.76 The remaining principal=THB1881.88 • 28 Nov 2022, pay THB987.00 with the principle=THB934.26, accrued 31day interest 1881.88*33%*31/365=THB52.74 The remaining principal=THB947.62 • 28 Nov 2022, pay THB973.32 with the principle=THB947.62, accrued 30day interest 947.62*33%*30/365=THB25.7 The remaining principal=THB0 Total payment=THB11,830.32 with the total interest (calculated at 33% APR) = THB1,830.32 from the principal of THB10,000 The calculation is for illustrative purposes only and subject to change without notice. For more information, please visit Website: https://www.money-thunder.com/ Facebook: https://www.facebook.com/MoneyThunderOfficial LINE: @MoneyThunder or https://page.line.me/026krisg?openQrModal=true ABACUS digital Co., Ltd. SCB Park Plaza, 19 Tower 3, Ratchadapisek Rd., Jatujak, Bangkok, 10900