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安全、快速、便捷的贷款

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我们的专业融资团队全年 365 天、每天 24 小时待命,快速有效地解决您的问题!

流程分为 3 个步骤

探索我們的創新融資解決方案,幫助您在最短的時間內實現個人或業務需求。

个人贷款可以为您提供所需的财务灵活性。

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立即申请

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申请流程

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获取金钱

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我们的服务

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个人贷款

個人貸款是一種可以幫助所有馬來西亞公民快速獲得資金的貸款。這是一種提供每月還款計劃的貸款,以滿足個人需求。個人貸款也可以定義為短期貸款,可以幫助您滿足短期資金需求。通常,個人貸款的還款期比其他類型的貸款(例如房屋貸款或抵押貸款)更短。我們提供量身訂製的個人貸款,以滿足您的需求,且不收取任何隱性諮詢費用。

贷款优势

 

  • 简易文件

  • 贷款高达 RM 100,000.00

  • 最长 60 个月的灵活分期付款计划

  • 提前结算可获返利或免息

  • 无最低收入要求。

  • 月利率1%-1.5%

  • 简单、快捷、安全、合法

申请资格

 

  • 年龄18至65岁

  • 马来西亚公民

  • 工作超过3个月

  • 要成为自雇人士,企业必须活跃超过 3 个月

所需文件

 

  • 最新1-3个月的工资单

  • 最新 1-3 个月的银行对账单

  • 身份证复印件

  • 最新的水电费账单

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商业贷款

商業貸款 我們為所有企業主和自僱人士提供商業貸款,以增加您企業的現金流量。我們致力於幫助人們滿足他們的融資需求;您的企業可以是新創公司、中小型企業 (SME)、公司企業等等。我們認為提供多樣化的服務和解決方案至關重要。許多企業主往往等到最後一刻才申請貸款,儘管申請貸款的過程充滿挑戰,但我們仍提供針對他們的具體方案。

贷款优势

 

  • 简易文件

  • 贷款高达 100 万令吉

  • 最长 60 个月的灵活分期付款计划

  • 提前结算可获返利或免息

  • 无最低收入要求。

  • 月利率1%-1.5%

  • 简单、快捷、安全、合法

申请资格

 

  • 年龄21至65岁

  • 马来西亚公民

  • 在同一业务运营中至少工作 6 个月

所需文件

  • SSM表格

  • 公司或董事出具的最近 3 个月的银行对账单

  • 身份证复印件

  • 最新的水电费账单

每月1.0%的还款计划
(抵押贷款)

* 免费协议和保险。条款和条件。

年利率(APR)披露
• 每月 1% 抵押,每月 1.5% 无抵押 • 每年 12% 抵押,每年 18% 无抵押

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(只限柔佛地区贷款)

对于紧急申请,请直接致电或 WhatsApp 联系我们。

JbRinggitPlus Call
JbRinggitPlus WhatsApp

点击致电或 WhatsApp 直接申请!!!

014-2605659

INTEREST RATE & REPAYMENT
 
Interest Rate

Fixed rate from 8% – 12% APR and payment options range from 6 months to 60 months.

Minimum repayment

6 months; Maximum repayment: 60 months.

Representative example

Amount of credit RM 5000 borrowed for 180 days. Interest : RM 448. Total amount payable : RM 5448

HOURS & LOCATION
Office Location

No: 09-02, Jalan Jaya Putra 7/6
Bandar Jaya Putra
81100 Johor Bahru Johor

 

Tel: 014-2605659

WhatsApp: 014-2605659

Hours

Monday - Sunday 

7 Days Per Week 24 Hours Per Day

Loan Products Disclosures:

The financing rates is 1.5% per month or 18% per annum. Tenor of the financing offered is between 90 days and 5 years. As a representative illustration, for a RM10,000 loan amount borrowed for 1 year at an annual interest rate of 18%, the total repayment amount at the end of the tenure is RM11,800.

Loan Term:

Minimum 90 days. Maximum 60 months. 
Maximum Annual Percentage Rate (APR) is 18%
 
Loan calculation example:
Mr.Lim registered to borrow RM5,000 for 3 months (90 days).
Tan's overpayment is only RM5,000 x 90 x 0.05% = RM225.
Full payment is RM5,000+RM227.50 = RM5,225.
Tan's monthly payment is only RM5,225/3 = RM1,741.67.

1) What do i get from this product?

Interest/Profit Rate
Approximately 3.99% per annum to 14.78% per annum (flat rate). (Effective Interest/Profit Rate:
Approximately 7.40% per annum to 24.37% per annum based on 5 Years Financing tenure).
The Interest/Profit Rate quoted and/or prescribed by the company hereunder is subject to the GKH Express's right to vary the same at any time and from time to time with prior notice to you.

Total Interest/Profit
Financing Amount (RM) × Interest/Profit Rate (%) × Tenure (Years).
Example: Financing Amount: RM20,000, Interest/Profit Rate: 10.68% p.a., Tenure: 5 Years.
Therefore Total Interest/Profit = RM20,000 × 10.68% p.a. × 5 Years = RM10,680.

2) What other charges do I have to pay?

Stamp duty (0.5%) on total approved financing amount, to be deducted from financing amount.

Unless otherwise specified herein, our charges exclude any current taxes and future taxes that may be imposed (including the Sales and Services Tax (“SST”), under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, we will be entitled to recover such taxes from you.

© 2025-2026 JbRinggitPlus. ALL RIGHTS RESERVED

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