Registered with the Securities Commission


受证券委员会注册(公认的市场运营商 - P2P)




Get Funds
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Competitive Rates
具竞争力的价格
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Easy Application
简易申请
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Flexible Terms
灵活的条款
Invest
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No Upfront Deposits
无需缴付首期款
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Attractive Return On Investment
高回酬率
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Secured by Trustee
由受托银行担保

Understanding Flat and Effective Interest Rate


Understanding Flat and Effective Interest Rate


Flat or Nominal interest rate is defined as a stated interest rate. This interest works according to the simple interest and does not take into account the compounding periods. Effective interest rate is the one which caters to the compounding periods during a payment plan. It is used to compare the annual interest between funding with different compounding periods like week, month, year etc.


Flat or Nominal interest rate is defined as a stated interest rate. This interest works according to the simple interest and does not take into account the compounding periods. Effective interest rate is the one which caters to the compounding periods during a payment plan. It is used to compare the annual interest between funding with different compounding periods like week, month, year etc.


In general stated or nominal interest rate is less than the effective one. And the latter depicts the true picture of financial payments. Therefore, it is important to look at the effective interest rate when deciding to accept an offer to get funds or when investing. To make matters less confusing for issuers, it may be simpler to look at the monthly repayment amount based on the rates offered to decide if the business cash flow is sufficient to repay the funding. In general stated or nominal interest rate is less than the effective one. And the latter depicts the true picture of financial payments. Therefore, it is important to look at the effective interest rate when deciding to accept an offer to get funds or when investing. To make matters less confusing for issuers, it may be simpler to look at the monthly repayment amount based on the rates offered to decide if the business cash flow is sufficient to repay the funding.

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Why Fundaztic


为什么选择Fundaztic?



Fundaztic aims to drive access to financing so, even micro businesses and start-ups can apply.

Funding amount is between RM20,000 to RM200,000 with short repayment periods of between 3 months to 36 months with interest rates as low as 8% per annum.

Other benefits : -

  • Low origination fees starting from 1% per annum
  • No legal fees and documentation fees
  • No early settlement penalty

Fundaztic的目标是制造更多的融资管道,给予想要投资的投资者跟多的选择,尤其是小型公司和微型企业。

我们给予的融资数额是位于RM20,000至RM200,000之间。还款期限为3个月到36个月,利率更是低至7%.

不仅如此,您还可享用以下的利益:-

  • 每年低达1%的手续费
  • 无需缴付任何律师费
  • 提前还款无需缴付违约金

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