PRODUCT DISCLOSURE
SHEET Emicro i-Financing
Program /
HELAIAN PENDEDAHAN
PRODUK Pembiayaan Emicro i-Financing
Please read
this Product Disclosure Sheet before you decide to sign on the terms and
conditions for the Emicro i-Financing
Program. Make sure you read the general terms & conditions.
Sila baca Helaian Pendedahan
Produk ini sebelum anda membuat
keputusan untuk menandatangani
terma-terma dan syarat-syarat Pelan Emicro
i-Financing. Pastikan anda membaca terma-terma
dan syarat-syarat.
1. What is this program about? / Apakah program ini?
Emicro i-Financing Program is an unsecured
financing facility, which is calculated on a fixed profit rate resulting in
fixed installment payments throughout the financing tenure. Pembiayaan
Peribadi Emicro i-Financing adalah kemudahan pinjaman tanpa cagaran yang di hitung dengan kadar
keuntungan tetap sepanjang tempoh pembiayaan.
2. What is the applicable Shariah concept? /
Apakah konsep Shariah yang digunakan?
The
applicable Shariah concept is based on Shariah principle of Tawarruq.
/ Konsep Shariah berasaskan
konsep Tawarruq.
3. What is the financing amount and profit
rate? /Apakah jumlah pembiayaan dan kadar keuntungan?
|
Financing Amount (RM) / Amaun Pembiayaan (RM) |
Profit Rate / Kadar Keuntungan |
Financing Tenure/ Tempoh Pembiayaan |
Selling Price/ Harga Jualan |
|
RM500 -
RM10,000 |
1.5% per
month/ sebulan |
3 Months
to 24 Months/ 3 Bulan hingga 24 Bulan |
Financing
Amount + Total Profit/ Jumlah Pembiayaan + Jumlah
Keuntungan |
4. Where
can I apply this product? / Di mana saya boleh memohon produk
ini?
Please
visit our mobile website https://m.emicro.my/
or download Emicro Apps from Store apply our loan./ Sila layari
laman web kami https://m.emicro.my/
atau muat turun Emicro App dari Store untuk memohon pinjaman.
5. Installment Table / Jadual Ansuran
|
Finance Amount/ Amaun Pembiayaan (RM) |
Profit Rate /
Kadar Keuntungan 1.5% per month /Sebulan (RM500 - RM10,000) |
||||
|
Installment Period
(months) / Tempoh Ansuran
(bulan) |
|||||
|
3 |
6 |
12 |
18 |
24 |
|
|
RM500 |
RM174.17 |
RM90.83 |
- |
- |
- |
|
RM1,000 |
RM348.33 |
RM181.67 |
RM98.33 |
- |
- |
|
RM2,000 |
- |
RM363.33 |
RM196.67 |
RM141.11 |
- |
|
RM3,000 |
- |
RM545 |
RM295 |
RM211.67 |
RM170 |
|
RM4,000 |
- |
- |
RM393.33 |
RM282.22 |
RM226.67 |
|
RM5,000 |
- |
- |
RM491.67 |
RM352.78 |
RM283.33 |
|
RM10,000 |
- |
- |
- |
- |
RM566.67 |
6.
What other charges do I have to pay? / Apakah
caj-caj lain yang perlu saya bayar?
|
Type of Fee / Jenis
Yuran |
Details of Fee / Butiran
Yuran |
|
Processing
Fee / Yuran Pemprosesan |
RM60 - RM
400 Maximum
fee is RM400 / Yuran maksimum
adalah RM400 |
|
Stamp
Duty / Duti Setem |
Included
in processing fee/ Termasuk dalam
yuran pemprosesan |
|
Wakalah Fee / Yuran Wakalah |
Included
in processing fee/ Termasuk dalam
yuran pemprosesan |
7.
How to calculate the monthly installment? / Macam
mana ansuran bulanan dikira?
A = P +
(P X M X R)
M
A = Monthly Installment Amount/ Jumlah Ansuran Bulanan
P = Financing Amount / Jumlah Pembiayaan
M= Financing
Tenure (in months)/Tempoh Pembiayaan
(dalam bulan)
R= Profit Rate per month (1.5%) / Kadar Keuntungan Sebulan (1.5%)
8.
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% Setahun
Late
Payment Recovery Services Fee/ Yuran Perkhidmatan Pemulihanpembayaran lewat :
RM25 for any payment exceeding the 7th day of each due date/ RM25 untuk bayaran yang melebihi hari ke-7 hari bayaran.
9.
Do I need a guarantor or collateral? / Adakah
saya memerlukan penjamin atau cagaran?
The
facility does not require any guarantor or collateral / Kemudahan
ini tidak memerlukan sebarang penjamin atau cagaran
10. What do I need to do if there are
changes to my contact details? / Apa yang saya perlu lakukan
jika terdapat perubahan pada maklumat hubungi saya?
It is
important for you to inform us if there are any changes to your contact details
to ensure that all communications reach you in a timely manner. / Adalah penting untuk anda memaklumkan
kepada kami tentang sebarang perubahan pada maklumat tersebut bagi memastikan anda dapat dihubungi
tepat pada masanya.
11. Where can I get assistance and redress?
/ Di mana saya boleh mendapatkan bantuan dan pembelaan?
If you have
difficulties in making repayments, you should contact us as early as possible
to discuss the repayment alternatives or if you are unsatisfied on the products
or services provided by us, you may contact us at : / Jika anda
mempunyai kesukaran untuk membuat pembayaran balik, anda boleh
menghubungi kami secepat mungkin untuk membincangkan
alternatif pembayaran balik atau jika
anda tidak berpuas hati dengan
produk atau perkhidmatan
yang kami sediakan, anda boleh menghubungi kami di :
Emicro Service Sdn Bhd
Lot 1901 19th
Floor Tower 1 Faber Towers, Jalan Desa Bahagia, Taman
Desa, 58100, Kuala Lumpur
TEL: 1800
88 8668 / 03-79711155 Whatsapp: +6010 505 1155
Email: enquiry@emicro.my
12. Where can I get further information? /
Di mana saya boleh mendapatkan maklumat lanjut?
You may
contact our Customer Care Centre at the above mentioned or visit our mobile web
https://m.emicro.my/ / Anda boleh menghubungi Pusat Perkhidmatan Pelanggan kami seperti yang tertera di atas atau layari laman
web kami https://m.emicro.my/