Emicro vs Loan Interest Guide

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. With our innovative financing solution, there’s a thousand chances for you to achieve your personal or business needs in the shortest time possible. Try the Emicro app today to experience immediate financial backup, the legal way. Product Info/Penerangan Produk 1.What is the financing amount and profit rate?/ Apakah jumlah pembiayaan dan kadar keuntungan? a)Financing Amount (RM)/ Amaun Pembiayaan (RM): RM500 - RM10,000 b)Profit Rate/ Kadar Keuntungan : 1.5% per month c)Financing Tenure (months)/ Tempoh Pembiayaan : 3 - 24 Months/ Bulan d)Selling Price/ Harga Jualan : Financing Amount + Total Profit / Jumlah Pembiayaan + Jumlah Keuntungan 2.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%) Example/ Contoh: Financing Amount/ Jumlah Pembiayaan: RM3000 Installment Period (Months) / Tempoh Ansuran (Bulan): 12 Months / Bulan Profit Rate per month (1.5%) A =( RM3000 + (RM3000 X 12 X 1.5%) )/12 = (RM3000 + (RM540))/12 = RM3540 /12 Monthly Installment Amount/ Jumlah Ansuran Bulanan =RM295 3.What other charges do I have to pay? / Apakah caj-caj lain yang perlu saya bayar? a)Processing Fee / Yuran Pemprosesan: RM60 - RM 400 i.Maximum fee is RM400 / Yuran maksimum adalah RM400 b)Stamp Duty / Duti Setem: Included in processing fee/ Termasuk dalam yuran pemprosesan c)Wakalah Fee / Yuran Wakalah: Included in processing fee/ Termasuk dalam yuran pemprosesan 4.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 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. Requirements Are you eligible for this Emicro i-Financing Program ? Minimum annual income RM18000 Minimum age 21 years old Maximum age 50 years old Who can Apply Malaysians Not be blacklisted by CCRIS & CTOS WHY 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.* -Fixed profit rate 1.5% per month. -Finance installment from 3 months to 24 months. Product Disclosure Sheet Download: https://www.emicro.my/emicrops.pdf HOW 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.html Privacy Policy: https://m.emicro.my/Privacy.html Feel free to reach us for inquiry: Phone number: +60379711155 WhatsApp:+60105051155 Email: enquiry@emicro.my Address: Lot1901 19th Floor Tower 1 ,Faber Towers, Jalan Desa Bahagia,Taman Desa, 58100, Kuala Lumpur, Malaysia Your Emergency. Our Priority.

Know the true cost of a loan before you commit. Loan Interest Guide helps you estimate monthly payments, total interest, total repayment, and real APR—including optional fees. Compare repayment methods side by side, save loan plans, and see how rate changes or early payments may affect your total cost. CALCULATE THE FULL COST • Enter the loan amount, term, annual interest rate, and optional fees • See monthly payments, total interest, total repayment, and real APR • Review a month-by-month payment schedule • Include upfront, back-end, or monthly fees in your calculations COMPARE REPAYMENT METHODS Compare four common repayment structures: • Equal Principal Payment • Equal Installment Payment • Interest-Only Loan • Fixed Payment Loan See how each method affects your monthly payment, total interest, and overall repayment. SAVE AND COMPARE LOAN OFFERS Save different loan plans and compare them side by side. Quickly identify which option has the lower estimated total cost. PLAN FOR RATE CHANGES AND EARLY REPAYMENT Premium tools let you: • Simulate changes to your interest rate • Estimate savings from early repayment • Include prepayment fees in your analysis • Explore a repayment strategy based on the details you enter • Use the app without ads CONVERT AND LEARN • Convert between daily, monthly, and annual interest rates • Learn how different repayment methods work • Review formulas, advantages, and disadvantages PRIVATE BY DESIGN Your saved loan details stay on your device. PREMIUM ACCESS Choose a monthly or annual auto-renewable subscription, or unlock lifetime access with a one-time purchase. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel subscriptions in your Apple Account settings. Privacy Policy: https://realloans.top/privacy.html Terms of Service: https://realloans.top/terms.html DISCLAIMER Results are estimates provided for informational purposes only. Loan Interest Guide does not provide loans, lending services, financial advice, or guarantees of loan approval. Always confirm rates, fees, and repayment terms with your lender.