IMPORTANT

Universe Enterprise has raised the maximum limit and lengthened the repayment period. Your name will be blacklisted in FIDAS customer database if you failed to pay the installment for 3 months.

FAQ

What is personal loan?

Personal loan is a sum of money which is being lend out from a money lender to an individual whereby the borrower has to fulfil a fixed payment within a fixed payment schedule.

Does it matter how i use their personal loan?

No. It is entirely up to you on using the loan. It can be for the purpose of education, home improvement, travelling expenses, settling other bad debts, etc.

Will i need collateral to quality for a personal loan?

No. Good credit is all you need to qualify for our personal loan.

Will the monthly payment ever increase on my personal loan?

No. your monthly payment will never increase.

Is there a fee for prepayment of my personal loan?

No. there is no repayment penalty fee. You can pay more than your minimum monthly payment or even pay your full loan at any time.

What if i am self employed?

In both cases we can help you get the loan you deserve. No matter what your credit history, we aim to help you.

How much money can i borrow?

The amount you can borrow will depend on your individual circumstances.

What is the minimum and maximum period of payment?

The minimum period of payment is 6 months to maximum of 60 months.

What is Annual Percentage Rate?

18% Per Year for Unsecured loan and 12% Per Year for Secured loan.

Is there any Applicable fee or Adminstration fee when i borrow any amount?

No Applicable fee or Administration fee is needed.

If I were to borrow RM5,000 and choose to repay it within 1 year, what will be the total cost of repayment plus all interest and other applicable fee?

RM5000 + 18% / 12 month = 491.66 Per Month. No other fee is needed.

Do I have to make full repayment within 60 days upon getting the loan?

No, only the stated months of 6 months to 60 months in the agreement.

Who should i to contact if have any inquiry?

Please call our customer hotline:03-92856979 if need any assistant.

BM Version

PENTING

Universe Enterprise telah menaikkan had maksimum dan memanjangkan tempoh bayaran balik. Nama anda akan DISENARAIHITAMKAN dalam pangkalan data pelanggan FIDAS jika anda gagal membayar ansuran selama 3 bulan.

FAQ

Apakah pinjaman peribadi?

Pinjaman peripadi adalah pinjaman untuk semua jenis tujuan, dimana ia akan dapat membantu anda memperolehi kehendak dan keperluan anda. Cara bayaran adalah mengikut jadual ansuran bulanan yang ditetapkan.

Adakah sebarang sekatan dalam tujuan penggunaan pinjaman peribadi saya?

Tidak. Pinjaman peribadi kami boleh digunakan untuk semua jenis tujuan. Para pelanggan kami lazimnya mengambil pinjaman peribadi untuk menyelesaikan masalah hutang, peningkatan mutu dan taraf kediaman rumah dan sebagainya.

Adakah pinjaman saya memerlukan cagaran?

Tidak perlu! Kredit yang baik adalah penting untuk melayakkan anda memohon pinjaman peribadi.

Adakah ansuran bulanan akan meningkat setiap bulan?

Tidak. Ansuran bulanan anda adalah tetap pada setiap bulan.

Adakah sebarang caj tambahan untuk prabayar dalam pinjaman peribadi saya?

Tidak. Tiada sebarang denda prabayar akan dikenakan. Anda boleh membayar ansuran lebih dari satu bulan ataupun membayar jumlan ansuran pada bila-bila masa.

Adakah saya layak memohon jika saya adalah seorang peniaga?

Ya. Kami akan membantu anda untuk mendapat jenis pinjaman ang bersesuaian.

Berapa jumlah maksimum pinjaman yang saya layak pinjam?

Jumlah pinjaman yang anda layak pinjam adalah terpulang pada keadaan individu anda.

Jika mendapat sebarang pertanyaan, siapakah yang boleh saya hubungi?

Sila hubungi khidmat pelanggan kami: 03-92856976 jika memerlukan sebarang bantuan.

Copyright 2017 Universe Enterprise. All right reserve

Universe Enterprise (001617806-X)
No.Lesen : WL5669/14/01-5/110716, No.Permit : WP5669/14/01-5/110716, Sah Dari : 12/7/2014 hingga 11/7/2016, Cagaran :12% Tahunan , Tanpa Cagaran : 18% Tahunan