Fees & Charges Disclosure

• The rate or pricing method used for the borrower profile under review.
• Any processing, administrative, service, or documentation charge that applies before or after disbursement.
• Whether government-related costs such as stamp duty apply to the agreement.
• How late payment, default-related, or collection-related costs may arise if repayments are missed.

A lower headline rate is not enough on its own.

• Compare the total repayment amount, not just the promotional rate.
• Check whether the repayment tenure materially increases total finance cost.
• Review how any fee is deducted, collected separately, or included in your repayment planning.
• Confirm what happens if you want to settle early, reschedule, or ask for hardship support.

• Any website calculator or indicative table is only an estimate unless the final agreement says otherwise.
• Borrower-specific pricing may change after document verification, affordability review, and final underwriting.
• The formal offer letter or signed agreement should be read carefully before acceptance.
• If a figure in chat, social media, or a forwarded message differs from the final contract, the borrower should ask for clarification before proceeding.

• Ask for the rate, tenure, instalment amount, and any charges in writing.
• Check whether the instalment still fits your monthly budget after rent, food, transport, and existing debts.
• Keep copies of the quotation, agreement, receipts, and repayment schedule.
• Use info@mudah-credit.com or 011-3983 4757 if any figure is unclear before acceptance.