JCL i-FUND Personal Financing

No Title

December 12, 2024

Eh, JCL i-Fund ni tak berapa nak impress la. Ingatkan pulangan boleh la high sikit, tapi so far agak mengecewakan. App okay la, takde masalah, tapi yuran (fees) agak mahal la, lepas tu processing pun lama sikit. Saya pernah try fund lain, jauh lagi baik punya pengalaman. Customer support pun kena improve lah. Saya email dorang tanya pasal isu saya, sampai sekarang takde reply pun. Kalau korang harap nak dapat pulangan tinggi, I think this one not the best lah. Kalau takde improvement, maybe I will tarik keluar je. 😅

Mohd Amir

No Title

December 12, 2024

Okay je. Sy apply thru online. Mintak 30K. Tapi dpt 2K. SBB dia kata rekod dlm system dia xde.. JDI xleh bagi tinggi. Tapi 18% interest la

Pze

Key Highlights:

Profit Rate: From 18.00% p.a.
Financing Amount: Up to RM50,000
Fast Approval: Application processed within 3 working days.
Shariah-Compliant Financing: Based on the Tawarruq concept.

Profit Rate:

Starting from 18.00% p.a. depending on the loan amount and approval.

Key Features:

Financing Amount: From RM1,000 to RM50,000.
Financing Period: Monthly repayment based on loan amount and tenure.
Loan Type: Shariah-compliant financing (Tawarruq concept).
Minimum Income: RM1,000/month.
Fast Approval: Approval within 3 working days.
Convenience: Online application platform available, eliminating the need to visit the premises.

Profit Rates Based on Financing Amount & Tenure:

Borrow Amount	Financing Period	Profit Rate
RM1,000 – RM50,000	Flexible	18.00% p.a. – 20.00% p.a.

Note: Final rate is subject to JCL’s approval.

Fees & Charges:

Processing Fee: RM50.00
Stamp Duty: As per the Stamp Act 1949 (Revised 1989)
Wakalah Fee: RM25.00
Takaful Fee: RM24.30 – RM509.20 (subject to Takaful Provider discretion)
Late Payment Fee: Not specified.
No Early Settlement Fee: No penalty for early settlement.

Who Can Apply?

Age: 18 to 60 years old.
Income Criteria: Minimum gross income of RM1,000/month.
Eligible Applicants:
- Malaysian citizens only.
- Salaried employees and self-employed individuals.

Loan Usage:

Can be used for personal expenses, home improvement, etc. (Not specified in detail).

How Fast Can I Get the Loan?

Application Processing: Approval within 3 working days.

Required Documents:

For Salaried Employees:
- Copy of IC (front and back)
- Latest 3 months of salary slips
- Latest 3 months of bank statements
- Latest utility bill (water or electricity)
For Self-Employed Applicants:
- Copy of IC (front and back)
- Latest SSM (Company Registration)
- Latest 6 months of company’s bank statements
- Latest 3 months of personal bank statements
- Latest utility bill (water or electricity)

Eligibility for Blacklisted Applicants:

Not specified in detail, but the approval is subject to JCL’s assessment based on the applicant’s financial situation and credit history.

How to Apply:

Apply online through JCL’s platform (no need to visit premises).
Complete the application form and upload the necessary documents.
JCL will process your application and notify you within 3 working days.

This format provides a clear and structured overview of JCL i-FUND Personal Financing, detailing the key features, eligibility criteria, fees, and the application process.

Pay	Profit Rate	Max. Financing Amount	Total payment
RM 983 / mth	18.00% p.a.	RM 50,000	RM 11,800