Fundle Loans 앱 분석 (10월 10일)

Fundle is the official borrower app of CHONG SIK KAI & SONS SDN. BHD., a licensed money lender regulated under the Ministry of Housing and Local Government (KPKT), Malaysia. Apply for personal or business financing, e-sign your loan agreement, and manage repayments from your phone — no branch visit required. Support is by email. LOAN TERMS & DISCLOSURES Licensed lender / operator: CHONG SIK KAI & SONS SDN. BHD. KPKT licence no.: WL3167/10/01-11/050627 SSM registration: 197401003470 (20580-K) Registered address: C-13-1 Level 13, KL Trillion, No. 338, Jalan Tun Razak, 50400 Kuala Lumpur. Privacy policy: https://fundle.my/legal/privacy-policy Privacy notice: https://fundle.my/legal/privacy-notice Risk disclosure: https://fundle.my/legal/risk-disclosure Minimum repayment period: 6 months Maximum repayment period: 60 months Loans are not repayable in full within 60 days. Fundle product ranges (approval is subject to assessment; not an offer): • Credit + Personal: RM 1,000 – RM 50,000, 6–60 months, individuals • Credit+ for Business: RM 1,000 – RM 50,000, 6–60 months, individuals and businesses Documents typically include IC, recent payslips, and bank statements; business applications also require SSM registration. Maximum APR: 18% p.a. (flat rate on principal for the full term) Legal fee: RM 100 (fixed) Stamping fee: 0.5% of principal Late payment charge: 8% p.a. on overdue amounts after the arrears period Representative example (illustrative only — not a loan offer): • Principal: RM 10,000 • Term: 12 months • Interest rate: 18% p.a. flat • Total interest: RM 10,000 × 18% × (12 ÷ 12) = RM 1,800 • Total amount repayable (principal + interest): RM 10,000 + RM 1,800 = RM 11,800 • Monthly instalment: RM 11,800 ÷ 12 = RM 983.33 Final terms, fees, and schedule appear in your Loan Agreement after approval. WHAT YOU CAN DO • Apply for personal or business financing with Fundle product terms shown before you apply • View loan terms and regulatory disclosures before you apply • Upload documents securely and track application status • Sign loan agreements digitally (where enabled) • View repayment schedules, make payments, and track balance • Attestation meetings and borrower notifications • Manage your profile and account security • Fundle help guides for your loan journey ELIGIBILITY & RISK Borrowing is a financial commitment — only borrow what you can repay. Approval is subject to lender assessment, documentation, and applicable law. There is no instant or guaranteed approval. Terms above reflect Fundle’s current product configuration and may change; always refer to your executed Loan Agreement and the risk disclosure at https://fundle.my/legal/risk-disclosure. SUPPORT Email: hello@fundle.my Web: https://fundle.my