Fee Type

费用

Rates

计算

Description

主要用处

Frequency / Remarks

标注

Application Fees

申请费

RM50.00

Platform verification fee charged each time an application to “Get Funds” is made.

每次在平台提出贷款申请时都要支付的申请费。

Charged each time an application for funding is made to ensure that the issuer is serious in the application. Will be refunded if funding is successful.

这是每次在平台提出贷款申请时都要支付的申请费。如果通过申请,并成功在平台获得贷款,平台将退还该RM50的申请费作为优惠回扣。

Platform Origination Fees
(Effective 1st February 2020)

平台放款费(2020年2月1日起生效)

• 3 – 12 months funding = 1%
• 13 – 24 months funding = 2.3%
• 25 – 36 months = 3.9%

• 3个月 – 12个月摊还期 = 1%
• 13个月 – 24个月摊还期 = 2.3%
• 25个月 – 36个月摊还期 = 3.9%

Fees charged by the platform to issuers upon successful funding.

成功筹集资金后,平台向发行人收取的费用。

Charged only if funding is successful and leads to disbursement. Deducted upfront from amount to be disbursed. Amount is determined by the financing tenure applied and approved. For example, if the funding tenure is 6 months, the origination fees will be 1%. If the funding tenure is 15 months, the origination fees will be 2.3%.

仅当资金成功并导致发放款项时才在放款总额中扣出收费。 例如,如果摊还期限为6个月,则平台放款费为1%。 如果摊还期限为15个月,则平台放款费为2.3%。

Late Payment Fee
(Effective 1st February 2020)

逾期还款的罚款收费(2020年2月1日生效)

**2% of missed payment; min RM80.00 max RM250.00

**For bullet repayments, additional interests (at prevailing rates) will be continuously charged on a daily basis until full settlement.

**未付款项的2%; 最低RM80.00 最高RM250.00

**对于应该一次性摊还的贷款,每天将不断收取额外的利息(按现行利率),直到完全清还为止。

Fee charged by the platform to issuers each time a monthly repayment is late.

每月逾期还款时,平台向发行人收取的费用。

For monthly repayments only, there will be a 7 day grace period past the due date. Amount charged will be 2% of the monthly repayment, up to a maximum of RM250.00. For example, if the repayment amount is RM5,000, then the late payment fee will be RM5,000 x 2% which equates to RM100. If repayment amount is RM20,000, then the late payment fee will be capped at RM250.

仅对于每月还款,在到期日之后会有7天的宽限期。 收费金额为每月应还款项金额的2%,最高为RM250.00。 例如,如果应还款金额为RM5,000,则滞纳金将为RM5,000 x 2%,即RM100。 如果还款额是2万令吉,则滞纳金将以250令吉为上限。

Stamp Duty

印花税

0.50% of funding amount

贷款金额的0.50%

Duty payable under the law

依法应缴税款

Charged only if funding is successful and leads to disbursement. Deducted upfront from amount to be disbursed. Amount is determined by the financing amount actually raised. For example, if the funding amount hosted is RM100,000 but amount raised is only RM91,000. The duty payable would be RM91,000 x 0.50% which equates to RM455.

仅当贷款成功并放款时才收费。 从放款的金额中预先扣除。 金额取决于实际筹集的资金总额。 例如,如果申请的资金为RM100,000,但筹集的金额仅为RM91,000。 应缴税款为RM91,000 x 0.50%,相等于RM455。

Other bank transaction charges

其他银行转账费用

RM0.10 – RM1.00

Transaction charges (such as IBG, FPX) if any as charged by the banks

银行收取的交易费用(例如IBG,FPX)

Charged as and when disbursement occurs or when there is request for withdrawal from Trust account being made.

从平台托管账户提款时收取费用。