{"id":22523,"date":"2026-10-14T13:07:54","date_gmt":"2026-10-14T05:07:54","guid":{"rendered":"https:\/\/appnicorn.com\/?page_id=22523"},"modified":"2026-10-23T17:51:37","modified_gmt":"2026-10-23T09:51:37","slug":"loan-lending-module","status":"publish","type":"page","link":"https:\/\/appnicorn.com\/zh\/apes\/loan-lending-module\/","title":{"rendered":"KPKT \u8d37\u6b3e\u7cfb\u7edf"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"22523\" class=\"elementor elementor-22523\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a49d2b5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a49d2b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-688ec28\" data-id=\"688ec28\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-791ec06 elementor-widget elementor-widget-html\" data-id=\"791ec06\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"apes-lend\">\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&display=swap');\n#apes-lend{\n  --navy:#003a5f; --navy-deep:#00253d; --blue:#0a64c8; --sky:#08A2FF;\n  --ink:#0f1b2d; --text:#3a4658; --muted:#6a7687; --line:#e4e9f0; --tint:#f4f8fc; --white:#fff;\n  --red:#c0263d; --red-soft:#fdecef; --green:#15803d; --green-soft:#e7f6ec;\n  --grad:linear-gradient(135deg,#0a4fa0 0%,#0a72cc 100%);\n  --shadow-sm:0 1px 2px rgba(15,27,45,.05),0 4px 14px rgba(15,27,45,.06);\n  --shadow-md:0 2px 4px rgba(15,27,45,.05),0 14px 34px rgba(15,27,45,.10);\n  font-family:'Inter',Arial,Helvetica,sans-serif; color:var(--text); font-size:16px; line-height:1.65;\n  -webkit-font-smoothing:antialiased; box-sizing:border-box; overflow-x:hidden; background:#fff;\n}\n#apes-lend *,#apes-lend *::before,#apes-lend *::after{ box-sizing:inherit; }\n#apes-lend h1,#apes-lend h2,#apes-lend h3,#apes-lend p,#apes-lend ul,#apes-lend ol{ margin:0; padding:0; }\n#apes-lend ul,#apes-lend ol{ list-style:none; }\n#apes-lend img{ max-width:100%; height:auto; display:block; }\n#apes-lend a{ text-decoration:none; }\n#apes-lend .w{ max-width:1160px; margin:0 auto; padding:0 24px; }\n#apes-lend section{ padding:88px 0; }\n#apes-lend .tint{ background:var(--tint); }\n#apes-lend .eyebrow{ display:inline-flex; align-items:center; gap:8px; font-size:13px; font-weight:700; letter-spacing:.09em; text-transform:uppercase; color:var(--blue); background:#e9f3ff; border-radius:999px; padding:7px 16px; }\n#apes-lend .eyebrow::before{ content:\"\"; width:7px; height:7px; border-radius:50%; background:var(--sky); }\n#apes-lend .h2{ font-size:40px; font-weight:800; line-height:1.12; letter-spacing:-.025em; color:var(--ink); margin-top:18px; }\n#apes-lend .lead{ font-size:18px; max-width:760px; margin:16px auto 0; }\n#apes-lend .head{ text-align:center; margin-bottom:46px; }\n#apes-lend .grad{ background:var(--grad); -webkit-background-clip:text; background-clip:text; color:transparent; -webkit-text-fill-color:transparent; }\n#apes-lend .btn{ display:inline-flex; align-items:center; gap:10px; font-size:17px; font-weight:700; color:#fff; background:var(--grad); border-radius:999px; padding:16px 32px; box-shadow:0 10px 26px rgba(10,100,200,.32); transition:transform .25s, box-shadow .25s; }\n#apes-lend .btn::after{ content:\"\\2192\"; transition:transform .25s; }\n#apes-lend .btn:hover{ transform:translateY(-3px); color:#fff; box-shadow:0 16px 34px rgba(10,100,200,.4); }\n#apes-lend .btn:hover::after{ transform:translateX(4px); }\n#apes-lend .btn-ghost{ display:inline-flex; align-items:center; font-size:17px; font-weight:700; color:#fff; border:2px solid rgba(255,255,255,.45); border-radius:999px; padding:14px 28px; }\n#apes-lend .btn-ghost:hover{ border-color:#fff; color:#fff; }\n#apes-lend .note{ font-size:13px; color:var(--muted); font-style:italic; }\n\n\/* hero *\/\n#apes-lend .hero{ background:radial-gradient(ellipse at 15% 10%,#0f4a78 0%,#00253d 55%,#001a2c 100%); color:#d6e4f2; padding:96px 0 90px; }\n#apes-lend .hero-grid{ display:grid; grid-template-columns:1.15fr .85fr; gap:56px; align-items:center; }\n#apes-lend .hero .eyebrow{ background:rgba(8,162,255,.14); color:#7cc8ff; }\n#apes-lend .hero h1{ font-size:52px; font-weight:800; line-height:1.06; letter-spacing:-.03em; color:#fff; margin-top:20px; }\n#apes-lend .hero h1 span{ color:var(--sky); }\n#apes-lend .hero .sub{ font-size:19px; margin-top:22px; max-width:580px; }\n#apes-lend .hero .ctas{ display:flex; flex-wrap:wrap; gap:14px; margin-top:34px; }\n#apes-lend .chips{ display:flex; flex-wrap:wrap; gap:10px; margin-top:34px; }\n#apes-lend .chip{ font-size:14px; font-weight:600; color:#cfe6ff; background:rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.14); border-radius:999px; padding:7px 14px; }\n#apes-lend .phone{ position:relative; max-width:330px; margin:0 auto; border-radius:36px; background:#0b0f16; padding:12px; box-shadow:0 40px 80px rgba(0,0,0,.5); }\n#apes-lend .screen{ background:#fff; border-radius:26px; padding:22px 20px 20px; color:var(--ink); font-size:14px; }\n#apes-lend .screen .top{ display:flex; justify-content:space-between; align-items:center; font-weight:700; font-size:15px; }\n#apes-lend .screen .top i{ font-style:normal; font-size:11px; font-weight:700; color:var(--blue); background:#e8f2fd; border-radius:999px; padding:3px 9px; }\n#apes-lend .screen .fld{ margin-top:14px; }\n#apes-lend .screen .fld small{ display:block; font-size:12px; color:#6b7686; margin-bottom:5px; }\n#apes-lend .screen .fld div{ border:1px solid var(--line); border-radius:10px; padding:10px 12px; font-weight:600; }\n#apes-lend .screen .rows{ margin-top:16px; border-top:1px solid var(--line); }\n#apes-lend .screen .rows p{ display:flex; justify-content:space-between; font-size:13px; color:#4a5668; padding:8px 0; border-bottom:1px solid var(--line); margin:0; }\n#apes-lend .screen .rows p b{ color:var(--ink); }\n#apes-lend .screen .tot{ display:flex; justify-content:space-between; margin-top:12px; font-weight:800; font-size:16px; }\n#apes-lend .screen .go{ margin-top:16px; background:var(--blue); color:#fff; text-align:center; border-radius:12px; padding:12px; font-weight:700; }\n#apes-lend .notice{ background:#fff7e6; border-bottom:1px solid #f5d9a8; color:#7a4b00; font-size:15px; font-weight:600; text-align:center; padding:14px 16px; }\n#apes-lend .screen .note{ margin-top:10px; text-align:center; font-size:11px; color:#8a94a3; font-style:italic; }\n#apes-lend .float{ position:absolute; background:#fff; color:var(--ink); border-radius:16px; padding:12px 16px; box-shadow:var(--shadow-md); font-size:14px; font-weight:600; line-height:1.3; }\n#apes-lend .float b{ display:block; font-size:20px; font-weight:800; }\n#apes-lend .f1{ left:-80px; top:-46px; }\n#apes-lend .f2{ right:-50px; bottom:-44px; }\n#apes-lend .f2 b{ color:var(--green); }\n\n\/* pain cards *\/\n#apes-lend .grid4{ display:grid; grid-template-columns:repeat(4,1fr); gap:20px; }\n#apes-lend .card{ background:#fff; border:1px solid var(--line); border-radius:20px; padding:26px; box-shadow:var(--shadow-sm); }\n#apes-lend .card h3{ font-size:19px; font-weight:700; color:var(--ink); line-height:1.25; margin:14px 0 8px; }\n#apes-lend .card .cost{ margin-top:14px; font-size:14px; font-weight:700; color:var(--red); }\n#apes-lend .ico{ width:44px; height:44px; border-radius:12px; background:var(--red-soft); color:var(--red); display:flex; align-items:center; justify-content:center; font-size:22px; }\n\n\/* before after *\/\n#apes-lend .ba{ display:grid; grid-template-columns:1fr 1fr; gap:22px; }\n#apes-lend .ba-col{ border-radius:22px; padding:30px; }\n#apes-lend .ba-before{ background:var(--red-soft); }\n#apes-lend .ba-after{ background:var(--green-soft); }\n#apes-lend .ba-tag{ display:inline-block; font-size:13px; font-weight:800; letter-spacing:.12em; color:#fff; border-radius:999px; padding:6px 14px; }\n#apes-lend .ba-before .ba-tag{ background:var(--red); }\n#apes-lend .ba-after .ba-tag{ background:var(--green); }\n#apes-lend .ba-col li{ position:relative; padding-left:28px; margin-top:14px; color:var(--ink); font-weight:500; }\n#apes-lend .ba-before li::before{ content:\"\\2715\"; position:absolute; left:0; color:var(--red); font-weight:800; }\n#apes-lend .ba-after li::before{ content:\"\\2713\"; position:absolute; left:0; color:var(--green); font-weight:800; }\n\n\/* journey *\/\n#apes-lend .steps{ display:grid; grid-template-columns:repeat(4,1fr); gap:18px; counter-reset:s; }\n#apes-lend .step{ background:#fff; border:1px solid var(--line); border-radius:18px; padding:22px; position:relative; }\n#apes-lend .step::before{ counter-increment:s; content:counter(s); width:34px; height:34px; border-radius:50%; background:var(--grad); color:#fff; font-weight:800; display:flex; align-items:center; justify-content:center; font-size:15px; }\n#apes-lend .step h3{ font-size:17px; font-weight:700; color:var(--ink); margin:12px 0 6px; }\n#apes-lend .step p{ font-size:15px; }\n\n\/* showcase *\/\n#apes-lend .show{ display:grid; grid-template-columns:1fr 1fr 1fr; gap:26px; }\n#apes-lend .shot{ background:#fff; border:1px solid var(--line); border-radius:20px; padding:30px 26px; box-shadow:var(--shadow-sm); text-align:left; }\n#apes-lend .shot .ico{ background:#e8f2fd; color:var(--blue); }\n#apes-lend .shot h3{ font-size:18px; font-weight:700; color:var(--ink); margin-top:18px; }\n#apes-lend .shot p{ font-size:15px; margin-top:6px; }\n#apes-lend .ctrl{ display:grid; grid-template-columns:1fr 1fr; gap:46px; align-items:center; margin-top:80px; }\n#apes-lend .panel{ background:#fff; border:1px solid var(--line); border-radius:20px; padding:26px; box-shadow:var(--shadow-md); }\n#apes-lend .panel .ph{ font-size:13px; font-weight:800; letter-spacing:.12em; color:var(--blue); margin-bottom:8px; }\n#apes-lend .panel .opt{ display:flex; justify-content:space-between; align-items:center; gap:12px; padding:13px 0; border-bottom:1px solid var(--line); font-size:15px; color:var(--ink); font-weight:500; }\n#apes-lend .panel .opt:last-of-type{ border-bottom:0; }\n#apes-lend .panel .val{ flex:none; font-size:13px; font-weight:700; border-radius:999px; padding:5px 12px; background:#eef3f8; color:#334155; }\n#apes-lend .panel .val.on{ background:var(--green-soft); color:var(--green); }\n#apes-lend .panel .log{ margin-top:14px; background:#f6f8fb; border-radius:12px; padding:12px 14px; font-size:13px; color:#4a5668; }\n#apes-lend .ticks li{ position:relative; padding-left:30px; margin-top:12px; }\n#apes-lend .ticks li::before{ content:\"\\2713\"; position:absolute; left:0; top:0; color:var(--blue); font-weight:800; }\n#apes-lend .ctrl h3{ font-size:28px; font-weight:800; color:var(--ink); letter-spacing:-.02em; line-height:1.15; }\n\n\/* rules *\/\n#apes-lend .rules{ display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }\n#apes-lend .rule{ background:var(--navy-deep); color:#cfe0f0; border-radius:20px; padding:26px; }\n#apes-lend .rule b{ display:block; font-size:38px; font-weight:800; color:#fff; letter-spacing:-.02em; }\n#apes-lend .rule span{ font-size:15px; }\n#apes-lend .regs{ display:flex; flex-wrap:wrap; justify-content:center; gap:10px; margin-top:34px; }\n#apes-lend .reg{ background:#fff; border:1px solid var(--line); border-radius:999px; padding:9px 18px; font-size:15px; font-weight:600; color:var(--ink); }\n\n\/* outcomes *\/\n#apes-lend .grid3{ display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }\n#apes-lend .out{ border-radius:20px; padding:30px; background:#fff; border:1px solid var(--line); box-shadow:var(--shadow-sm); }\n#apes-lend .out .k{ font-size:13px; font-weight:800; letter-spacing:.12em; color:var(--blue); }\n#apes-lend .out h3{ font-size:22px; font-weight:800; color:var(--ink); margin:10px 0 10px; line-height:1.2; }\n\n\/* start *\/\n#apes-lend .start{ display:grid; grid-template-columns:1.1fr .9fr; gap:40px; align-items:center; background:#fff; border:1px solid var(--line); border-radius:26px; padding:44px; box-shadow:var(--shadow-sm); }\n#apes-lend .start h2{ font-size:32px; font-weight:800; color:var(--ink); letter-spacing:-.02em; line-height:1.15; }\n#apes-lend .start ol li{ display:flex; gap:14px; margin-top:16px; align-items:flex-start; }\n#apes-lend .start ol li i{ font-style:normal; flex:0 0 30px; height:30px; border-radius:50%; background:#e9f3ff; color:var(--blue); font-weight:800; display:flex; align-items:center; justify-content:center; font-size:14px; }\n\n\/* faq *\/\n#apes-lend .faq{ max-width:820px; margin:0 auto; }\n#apes-lend details{ background:#fff; border:1px solid var(--line); border-radius:16px; padding:20px 24px; margin-bottom:12px; }\n#apes-lend summary{ cursor:pointer; font-weight:700; color:var(--ink); font-size:17px; list-style:none; display:flex; justify-content:space-between; gap:16px; }\n#apes-lend summary::-webkit-details-marker{ display:none; }\n#apes-lend summary::after{ content:\"+\"; color:var(--blue); font-size:22px; line-height:1; }\n#apes-lend details[open] summary::after{ content:\"\\2212\"; }\n#apes-lend details p{ margin-top:12px; }\n\n\/* final *\/\n#apes-lend .final{ background:linear-gradient(160deg,#003a5f 0%,#00253d 100%); color:#e8f3ff; text-align:center; padding:90px 0; }\n#apes-lend .final h2{ font-size:42px; font-weight:800; color:#fff; letter-spacing:-.025em; line-height:1.1; }\n#apes-lend .final p{ font-size:19px; max-width:680px; margin:18px auto 30px; }\n#apes-lend .final .btn{ background:#fff; color:var(--navy-deep); box-shadow:0 12px 30px rgba(0,0,0,.18); }\n#apes-lend .final .btn:hover{ color:var(--navy-deep); }\n#apes-lend .final .small{ font-size:14px; margin-top:22px; opacity:.85; }\n\n@media (max-width:980px){\n  #apes-lend .hero-grid,#apes-lend .ctrl,#apes-lend .start,#apes-lend .ba{ grid-template-columns:1fr; }\n  #apes-lend .grid4,#apes-lend .steps,#apes-lend .rules{ grid-template-columns:1fr 1fr; }\n  #apes-lend .grid3,#apes-lend .show{ grid-template-columns:1fr; }\n  #apes-lend .f1{ left:-10px; } #apes-lend .f2{ right:-10px; }\n}\n@media (max-width:600px){\n  #apes-lend section{ padding:64px 0; }\n  #apes-lend .w{ padding:0 16px; }\n  #apes-lend .hero{ padding:64px 0; }\n  #apes-lend .hero h1{ font-size:36px; }\n  #apes-lend .h2,#apes-lend .final h2{ font-size:30px; }\n  #apes-lend .grid4,#apes-lend .steps,#apes-lend .rules{ grid-template-columns:1fr; }\n  #apes-lend .start{ padding:28px 22px; }\n  #apes-lend .float{ display:none; }\n  #apes-lend .show,#apes-lend .ctrl{ grid-template-columns:1fr; }\n  #apes-lend .ctrl{ gap:30px; margin-top:40px; }\n}\n<\/style>\n\n<div class=\"notice\">Appnicorn is a software company. We don't lend money or arrange loans. APES is software for KPKT-licensed moneylenders to run their own lending business.<\/div>\n\n<!-- HERO -->\n<section class=\"hero\">\n <div class=\"w hero-grid\">\n  <div>\n   <span class=\"eyebrow\">\u9002\u7528\u4e8e KPKT \u6301\u724c\u653e\u8d37\u516c\u53f8<\/span>\n   <h1 class=\" translation-block\">\u60a8\u7684\u8d37\u6b3e\u8d26\u7c3f\u548c KPKT \u767b\u8bb0\u518c\uff0c<span>\u96c6\u4e2d\u5728\u4e00\u5904\u3002<\/span><\/h1>\n   <p class=\"sub\">\u6bcf\u7b14\u8d37\u6b3e\u3001\u6536\u636e\u548c\u767b\u8bb0\u518c\u90fd\u6e90\u81ea\u540c\u4e00\u5957\u8bb0\u5f55\u3002\u60a8\u65e0\u9700\u518d\u5728\u68c0\u67e5\u524d\u4e34\u65f6\u91cd\u5efa\u767b\u8bb0\u518c\uff0c\u4e5f\u80fd\u5728\u903e\u671f\u8d37\u6b3e\u9020\u6210\u635f\u5931\u4e4b\u524d\u5c31\u53d1\u73b0\u5b83\u4eec\u3002<\/p>\n   <div class=\"ctas\">\n    <a class=\"btn\" href=\"https:\/\/appnicorn.com\/zh\/contact\/\" data-cta=\"lend-hero\">\u8054\u7cfb\u6211\u4eec<\/a>\n    <a class=\"btn-ghost\" href=\"#lend-how\">\u4e86\u89e3\u4e00\u7b14\u8d37\u6b3e\u662f\u5982\u4f55\u8fd0\u4f5c\u7684<\/a>\n   <\/div>\n   <div class=\"chips\">\n    <span class=\"chip\">Lampiran A, B and B1<\/span>\n    <span class=\"chip\">Borang J<\/span>\n    <span class=\"chip\">\u6bcf\u7b14\u8fd8\u6b3e\u90fd\u6709\u6536\u636e<\/span>\n    <span class=\"chip\">\u501f\u6b3e\u4eba\u5e94\u7528\u7a0b\u5e8f\uff0c\u652f\u6301\u9a6c\u6765\u8bed\u548c\u82f1\u8bed<\/span>\n   <\/div>\n  <\/div>\n  <div style=\"position:relative\">\n   <div class=\"phone\" role=\"img\" aria-label=\"\u653e\u8d37\u516c\u53f8\u8d37\u6b3e\u8d26\u7c3f\u754c\u9762\u793a\u610f\u56fe\uff0c\u542b\u793a\u4f8b\u6570\u636e\"><div class=\"screen\">\n    <div class=\"top\">Loan book <i>Lender view<\/i><\/div>\n    <div class=\"rows\">\n     <p>Active loans<b>312<\/b><\/p>\n     <p>Overdue, collection case open<b>9<\/b><\/p>\n     <p>Repayments received today<b>41<\/b><\/p>\n     <p>Receipts issued today<b>41<\/b><\/p>\n     <p>Applications waiting for decision<b>6<\/b><\/p>\n     <p>Lampiran A<b style=\"color:var(--green)\">&#10003; Up to date<\/b><\/p>\n    <\/div>\n    <div class=\"go\">Open collections<\/div>\n    <div class=\"note\">Sample figures for illustration<\/div>\n   <\/div><\/div>\n   <div class=\"float f1\"><b>12% \/ 18%<\/b>\u6bcf\u7b14\u8d37\u6b3e\u90fd\u4f1a\u6838\u67e5\u5229\u7387\u4e0a\u9650<\/div>\n   <div class=\"float f2\"><b>&#10003; Receipted<\/b>\u6bcf\u7b14\u8fd8\u6b3e\uff0c\u5747\u6765\u81ea\u540c\u4e00\u672c\u5206\u7c7b\u8d26<\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- PAIN -->\n<section>\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">\u95ee\u9898\u51fa\u5728\u54ea\u91cc<\/span>\n   <h2 class=\"h2\">\u653e\u8d37\u672c\u8eab\u5e76\u4e0d\u96be\u3002<br><span class=\"grad\">\u771f\u6b63\u8ba9\u60a8\u4e8f\u94b1\u7684\uff0c\u662f\u6587\u4e66\u5de5\u4f5c\u3002<\/span><\/h2>\n   <p class=\"lead\">\u5927\u591a\u6570\u6301\u724c\u653e\u8d37\u516c\u53f8\u540c\u65f6\u8fd0\u884c\u7740\u4e24\u5957\u4e1c\u897f\uff1a\u4e00\u4efd\u8d37\u6b3e\u7535\u5b50\u8868\u683c\uff0c\u4ee5\u53ca\u4e00\u5806\u767b\u8bb0\u518c\u3001\u626b\u63cf\u7684\u534f\u8bae\u3001\u6536\u636e\u7c3f\u548c WhatsApp \u804a\u5929\u8bb0\u5f55\u3002\u5b83\u4eec\u6e10\u6e10\u5bf9\u4e0d\u4e0a\u53f7\uff0c\u800c\u60a8\u603b\u662f\u5728\u6700\u7cdf\u7cd5\u7684\u65f6\u523b\u624d\u53d1\u73b0\u3002<\/p>\n  <\/div>\n  <div class=\"grid4\">\n   <div class=\"card\"><div class=\"ico\">&#9888;<\/div><h3>\u6536\u636e\u5bf9\u4e0d\u4e0a\u8d26<\/h3><p>\u4e00\u7b14\u8fd8\u6b3e\u5df2\u8bb0\u5165\u5206\u7c7b\u8d26\uff0c\u4f46\u6536\u636e\u5f00\u5f97\u592a\u665a\u3001\u7f3a\u5931\uff0c\u6216\u8005\u5f52\u5728\u4e86\u9519\u8bef\u7684\u540d\u5b57\u4e0b\u3002<\/p><p class=\"cost\">\u4ee3\u4ef7\uff1a\u68c0\u67e5\u65f6\u88ab\u53d1\u73b0\u95ee\u9898<\/p><\/div>\n   <div class=\"card\"><div class=\"ico\">&#8635;<\/div><h3>\u624b\u5de5\u91cd\u5efa\u767b\u8bb0\u518c<\/h3><p>\u6bcf\u9022\u622a\u6b62\u65e5\u671f\u4e4b\u524d\uff0c\u5458\u5de5\u90fd\u8981\u82b1\u4e0a\u597d\u51e0\u5929\uff0c\u628a\u8d37\u6b3e\u9010\u7b14\u6284\u5f55\u5230 Lampiran A \u548c\u5e74\u5ea6\u7533\u62a5\u8868\u4e2d\u3002<\/p><p class=\"cost\">\u4ee3\u4ef7\uff1a\u6bcf\u5e74\u90fd\u8981\u8017\u8d39\u5458\u5de5\u7684\u65f6\u95f4<\/p><\/div>\n   <div class=\"card\"><div class=\"ico\">&#9201;<\/div><h3>\u903e\u671f\u8d37\u6b3e\u53d1\u73b0\u5f97\u592a\u665a<\/h3><p>\u4e00\u671f\u8fd8\u6b3e\u903e\u671f\u672a\u4ed8\u65f6\u65e0\u4eba\u8ddf\u8fdb\uff0c\u76f4\u5230\u5b83\u6f14\u53d8\u6210\u771f\u6b63\u7684\u95ee\u9898\u3002<\/p><p class=\"cost\">\u4ee3\u4ef7\uff1a\u672c\u8be5\u6536\u56de\u7684\u73b0\u91d1<\/p><\/div>\n   <div class=\"card\"><div class=\"ico\">&#9993;<\/div><h3>\u6295\u8bc9\u6ca1\u6709\u8bb0\u5f55<\/h3><p>\u501f\u6b3e\u4eba\u5728 WhatsApp \u4e0a\u6295\u8bc9\u5e76\u5f97\u5230\u4e86\u7b54\u590d\uff0c\u4f46\u6ca1\u6709\u4efb\u4f55\u8bb0\u5f55\u663e\u793a\u5904\u7406\u82b1\u4e86\u591a\u957f\u65f6\u95f4\u3002<\/p><p class=\"cost\">\u4ee3\u4ef7\uff1a\u724c\u7167\u9762\u4e34\u98ce\u9669<\/p><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- BEFORE \/ AFTER -->\n<section class=\"tint\">\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">\u4f7f\u7528\u524d\u540e\u5bf9\u6bd4<\/span>\n   <h2 class=\"h2 translation-block\">\u4e00\u5957\u8bb0\u5f55\u3002<span class=\"grad\">\u5176\u4f59\u4e00\u5207\u90fd\u7531\u6b64\u800c\u6765\u3002<\/span><\/h2>\n  <\/div>\n  <div class=\"ba\">\n   <div class=\"ba-col ba-before\"><span class=\"ba-tag\">\u4f7f\u7528\u524d<\/span>\n    <ul>\n     <li>\u8d37\u6b3e\u8bb0\u5728\u7535\u5b50\u8868\u683c\u91cc\uff0c\u767b\u8bb0\u518c\u653e\u5728\u53e6\u4e00\u4e2a\u6587\u4ef6\u4e2d<\/li>\n     <li>\u6536\u636e\u7c3f\u9760\u624b\u5199<\/li>\n     <li>\u534f\u8bae\u626b\u63cf\u540e\u5b58\u653e\u5728\u5171\u4eab\u6587\u4ef6\u5939\u4e2d<\/li>\n     <li>\u5229\u7387\u548c\u8d39\u7528\u7531\u5f53\u73ed\u67dc\u53f0\u4eba\u5458\u968f\u624b\u8f93\u5165<\/li>\n     <li>\u5e74\u5ea6\u7533\u62a5\u8868\u5728\u622a\u6b62\u5f53\u5468\u624d\u4e34\u65f6\u6c47\u7f16<\/li>\n    <\/ul><\/div>\n   <div class=\"ba-col ba-after\"><span class=\"ba-tag\">\u4f7f\u7528 APES \u540e<\/span>\n    <ul>\n     <li>\u8d37\u6b3e\u8d26\u7c3f\u548c\u6cd5\u5b9a\u767b\u8bb0\u518c\u5747\u7531\u540c\u4e00\u5957\u8d37\u6b3e\u6570\u636e\u751f\u6210<\/li>\n     <li>\u6bcf\u7b14\u8fd8\u6b3e\u90fd\u4f1a\u5f00\u5177\u6536\u636e\uff0c\u5e76\u4e0e\u5206\u7c7b\u8d26\u76f8\u4e92\u6838\u5bf9<\/li>\n     <li>\u6bcf\u7b14\u8d37\u6b3e\u7684\u534f\u8bae\u7b7e\u7f72\u72b6\u6001\u96c6\u4e2d\u663e\u793a\u5728\u540c\u4e00\u9875\u9762<\/li>\n     <li>\u5229\u7387\u548c\u8d39\u7528\u5747\u53d6\u81ea\u60a8\u8bbe\u5b9a\u7684\u8d37\u6b3e\u4ea7\u54c1\uff0c\u5e76\u5728\u6cd5\u5b9a\u4e0a\u9650\u4e4b\u5185<\/li>\n     <li>\u5e74\u5ea6\u7533\u62a5\u8868\u6839\u636e\u60a8\u7684\u8bb0\u5f55\u9010\u9875\u7f16\u5236<\/li>\n    <\/ul><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- HOW A LOAN RUNS -->\n<section id=\"lend-how\">\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">\u4e00\u7b14\u8d37\u6b3e\u662f\u5982\u4f55\u8fd0\u4f5c\u7684<\/span>\n   <h2 class=\"h2 translation-block\">\u4ece\u7533\u8bf7\u5230\u5e74\u5ea6\u7533\u62a5\uff0c<span class=\"grad\">\u4e00\u6c14\u5475\u6210\u3002<\/span><\/h2>\n   <p class=\"lead\">\u501f\u6b3e\u4eba\u8981\u7ecf\u8fc7\u54ea\u4e9b\u6b65\u9aa4\uff0c\u7531\u60a8\u51b3\u5b9a\u3002\u6bcf\u4e00\u6b65\u90fd\u4f1a\u7559\u4e0b\u8bb0\u5f55\uff0c\u8bf4\u660e\u662f\u8c01\u5728\u4f55\u65f6\u505a\u4e86\u4ec0\u4e48\u3002<\/p>\n  <\/div>\n  <div class=\"steps\">\n   <div class=\"step\"><h3>\u7533\u8bf7<\/h3><p>\u501f\u6b3e\u4eba\u5148\u5728\u8ba1\u7b97\u5668\u4e2d\u6838\u5bf9\u91d1\u989d\uff0c\u7136\u540e\u7528\u624b\u673a\u4ee5\u9a6c\u6765\u8bed\u6216\u82f1\u8bed\u63d0\u4ea4\u7533\u8bf7\u3002<\/p><\/div>\n   <div class=\"step\"><h3>\u5ba1\u6838<\/h3><p>\u8eab\u4efd\u6838\u5b9e\u548c\u4fe1\u7528\u5ba1\u67e5\u90fd\u5728\u7533\u8bf7\u6d41\u7a0b\u4e4b\u5185\u5b8c\u6210\uff0c\u60a8\u7684\u56e2\u961f\u53ef\u4ee5\u5728\u540c\u4e00\u4e2a\u5730\u65b9\u5ba1\u6838\u6240\u6709\u5185\u5bb9\u3002<\/p><\/div>\n   <div class=\"step\"><h3>\u5ba1\u6279\u51b3\u5b9a<\/h3><p>\u8d37\u6b3e\u7ecf\u7406\u5ba1\u6279\u5e76\u9644\u4e0a\u5907\u6ce8\u3002\u8d85\u51fa\u60a8\u8bbe\u5b9a\u7684\u9650\u989d\u7684\uff0c\u8fd8\u9700\u7b2c\u4e8c\u4f4d\u5ba1\u6279\u4eba\u7b7e\u6279\u3002<\/p><\/div>\n   <div class=\"step\"><h3>\u51fa\u5177\u8981\u7ea6\u5e76\u89c1\u8bc1<\/h3><p>\u501f\u6b3e\u4eba\u5728\u624b\u673a\u4e0a\u67e5\u770b\u5b8c\u6574\u7684\u91d1\u989d\u660e\u7ec6\uff0c\u63a5\u53d7\u8981\u7ea6\uff0c\u5e76\u786e\u8ba4\u89c1\u8bc1\u901a\u77e5\u3002<\/p><\/div>\n   <div class=\"step\"><h3>\u7b7e\u7f72<\/h3><p>\u534f\u8bae\u6309\u56fa\u5b9a\u987a\u5e8f\u7b7e\u7f72\uff1a\u501f\u6b3e\u4eba\u3001\u89c1\u8bc1\u4eba\uff0c\u7136\u540e\u662f\u8d35\u516c\u53f8\u7684\u8463\u4e8b\u3002<\/p><\/div>\n   <div class=\"step\"><h3>\u653e\u6b3e<\/h3><p>\u53ea\u6709\u5728\u534f\u8bae\u7b7e\u7f72\u5b8c\u6210\u4e4b\u540e\u624d\u4f1a\u653e\u6b3e\uff0c\u5e76\u9644\u6709\u6838\u5bf9\u6e05\u5355\u548c\u6bcf\u7b14\u8f6c\u8d26\u7684\u8bb0\u5f55\u3002<\/p><\/div>\n   <div class=\"step\"><h3>\u6536\u6b3e<\/h3><p>\u5206\u671f\u8fd8\u6b3e\u3001\u6536\u636e\u3001\u5bf9\u8d26\u5355\u548c\u63d0\u9192\u3002\u8d37\u6b3e\u4e00\u65e6\u903e\u671f\uff0c\u7cfb\u7edf\u4f1a\u81ea\u52a8\u5f00\u7acb\u50ac\u6536\u4e2a\u6848\u3002<\/p><\/div>\n   <div class=\"step\"><h3>\u62a5\u544a<\/h3><p>Lampiran A\u3001\u5e74\u5ea6\u7533\u62a5\u8868\uff08Lampiran B \u548c B1\uff09\uff0c\u4ee5\u53ca\u4efb\u610f\u65f6\u6bb5\u7684\u62a5\u544a\uff0c\u5747\u652f\u6301\u5bfc\u51fa CSV\u3002<\/p><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- SHOWCASE -->\n<section class=\"tint\">\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">\u529f\u80fd\u4ecb\u7ecd<\/span>\n   <h2 class=\"h2 translation-block\">\u60a8\u7684\u501f\u6b3e\u4eba\u6709\u5e94\u7528\u7a0b\u5e8f\u53ef\u7528\u3002<span class=\"grad\">\u60a8\u7684\u56e2\u961f\u638c\u63a7\u5168\u5c40\u3002<\/span><\/h2>\n   <p class=\"lead\">\u501f\u6b3e\u4eba\u80fd\u770b\u5230\u6e05\u6670\u7684\u91d1\u989d\u548c\u6bcf\u4e00\u4e2a\u6b65\u9aa4\u3002\u60a8\u7684\u56e2\u961f\u80fd\u770b\u5230\u6bcf\u7b14\u8d37\u6b3e\u3001\u6bcf\u9879\u51b3\u5b9a\u548c\u6bcf\u6b21\u53d8\u66f4\u3002<\/p>\n  <\/div>\n  <div class=\"show\">\n   <div class=\"shot\"><div class=\"ico\">&#129518;<\/div><h3>\u5148\u628a\u91d1\u989d\u7b97\u6e05\u695a<\/h3><p>\u5206\u671f\u8fd8\u6b3e\u989d\u3001\u5229\u606f\u3001\u5370\u82b1\u7a0e\u3001\u8d39\u7528\u548c\u5b9e\u6536\u91d1\u989d\uff0c\u5728\u501f\u6b3e\u4eba\u63d0\u4ea4\u7533\u8bf7\u4e4b\u524d\u5c31\u5df2\u5217\u660e\u3002<\/p><\/div>\n   <div class=\"shot\"><div class=\"ico\">&#128196;<\/div><h3>\u5b8c\u6574\u7684\u8981\u7ea6\u5185\u5bb9<\/h3><p>\u4e0e\u8d35\u516c\u53f8\u56e2\u961f\u5ba1\u6279\u901a\u8fc7\u7684\u91d1\u989d\u5b8c\u5168\u4e00\u81f4\uff0c\u5e76\u5728\u501f\u6b3e\u4eba\u63a5\u53d7\u8981\u7ea6\u7684\u90a3\u4e00\u523b\u9501\u5b9a\u3002<\/p><\/div>\n   <div class=\"shot\"><div class=\"ico\">&#9989;<\/div><h3>\u89c1\u8bc1\u8bb0\u5f55\u5728\u6848<\/h3><p>\u901a\u77e5\u4e66\u3001\u53ef\u9009\u7684\u501f\u6b3e\u4eba\u81ea\u884c\u5f55\u5236\u7684\u89c6\u9891\uff0c\u4ee5\u53ca\u501f\u6b3e\u4eba\u7684\u786e\u8ba4\uff0c\u5747\u4e0e\u8be5\u7b14\u8d37\u6b3e\u4e00\u5e76\u4fdd\u5b58\u3002<\/p><\/div>\n  <\/div>\n  <div class=\"ctrl\">\n   <div class=\"panel\" role=\"img\" aria-label=\"Illustration of the lender's borrower journey settings\">\n    <div class=\"ph\">BORROWER JOURNEY SETTINGS<\/div>\n    <div class=\"opt\">Attestation before the agreement<span class=\"val on\">Required<\/span><\/div>\n    <div class=\"opt\">Attestation video<span class=\"val\">Optional<\/span><\/div>\n    <div class=\"opt\">Auto-debit mandate<span class=\"val\">Off<\/span><\/div>\n    <div class=\"opt\">Offer stays open for<span class=\"val\">14 days<\/span><\/div>\n    <div class=\"opt\">Second approver above<span class=\"val\">RM 10,000<\/span><\/div>\n    <div class=\"log\">Changed by Loan manager, with reason: &ldquo;Larger loans need a second look.&rdquo;<\/div>\n   <\/div>\n   <div>\n    <h3>\u89c4\u5219\u7531\u60a8\u5236\u5b9a\uff0c\u6bcf\u4e00\u6b21\u53d8\u66f4\u90fd\u4f1a\u4fdd\u7559\u8bb0\u5f55\u3002<\/h3>\n    <ul class=\"ticks\">\n     <li>\u60a8\u7684\u8d37\u6b3e\u4ea7\u54c1\u3001\u8d39\u7528\u548c\u653e\u8d37\u4e0a\u9650\uff0c\u7edd\u4e0d\u4f1a\u8d85\u51fa\u6cd5\u5f8b\u5141\u8bb8\u7684\u8303\u56f4<\/li>\n     <li>\u501f\u6b3e\u4eba\u7684\u54ea\u4e9b\u6b65\u9aa4\u4e3a\u5fc5\u586b\u3001\u53ef\u9009\u6216\u5173\u95ed<\/li>\n     <li>\u8981\u7ea6\u7684\u6709\u6548\u671f\u9650\uff0c\u4ee5\u53ca\u9700\u8981\u7b2c\u4e8c\u4f4d\u5ba1\u6279\u4eba\u7b7e\u6279\u7684\u91d1\u989d\u95e8\u69db<\/li>\n     <li>\u5f55\u5165\u7533\u8bf7\u7684\u4eba\u5458\u4e0d\u80fd\u5ba1\u6279\u8be5\u7533\u8bf7\uff0c\u9664\u975e\u60a8\u53e6\u884c\u8bbe\u5b9a<\/li>\n     <li>\u6bcf\u4e00\u6b21\u8bbe\u7f6e\u53d8\u66f4\u90fd\u4f1a\u8fde\u540c\u539f\u56e0\u4e00\u5e76\u8bb0\u5f55\u3002\u4efb\u4f55\u4fee\u6539\u90fd\u4e0d\u4f1a\u88ab\u6084\u6084\u8fdb\u884c<\/li>\n    <\/ul>\n   <\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- RULES -->\n<section>\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">\u56f4\u7ed5\u300a\u653e\u8d37\u4eba\u6cd5\u4ee4\u300b\u800c\u8bbe\u8ba1<\/span>\n   <h2 class=\"h2\">\u89c4\u5219\u4f1a\u7ecf\u8fc7\u6838\u67e5\u3002 <span class=\"grad\">\u6bcf\u4e00\u7b14\u8d37\u6b3e\u90fd\u662f\u5982\u6b64\u3002<\/span><\/h2>\n   <p class=\"lead\">APES \u56f4\u7ed5\u300a1951 \u5e74\u653e\u8d37\u4eba\u6cd5\u4ee4\u300b\u548c\u300a2003 \u5e74\u653e\u8d37\u4eba\u6761\u4f8b\u300b\u800c\u8bbe\u8ba1\uff0c\u56e0\u6b64\u8d85\u51fa\u9650\u5236\u7684\u8d37\u6b3e\u6839\u672c\u65e0\u6cd5\u83b7\u5f97\u6279\u51c6\u3002<\/p>\n  <\/div>\n  <div class=\"rules\">\n   <div class=\"rule\"><b>12%<\/b><span>\u6709\u62b5\u62bc\u8d37\u6b3e\u7684\u5e74\u5229\u7387\u4e0a\u9650<\/span><\/div>\n   <div class=\"rule\"><b>18%<\/b><span>\u65e0\u62b5\u62bc\u8d37\u6b3e\u7684\u5e74\u5229\u7387\u4e0a\u9650<\/span><\/div>\n   <div class=\"rule\"><b>8%<\/b><span>\u903e\u671f\u8d39\u7528\u7684\u5e74\u5229\u7387\u4e0a\u9650<\/span><\/div>\n   <div class=\"rule\"><b>&le; 100%<\/b><span>\u5229\u606f\u603b\u989d\u7edd\u4e0d\u4f1a\u8d85\u8fc7\u501f\u51fa\u7684\u672c\u91d1<\/span><\/div>\n  <\/div>\n  <div class=\"regs\">\n   <span class=\"reg\">Section 18(1) register (Lampiran A)<\/span>\n   <span class=\"reg\">Section 19(4) receipts<\/span>\n   <span class=\"reg\">Borang J agreement<\/span>\n   <span class=\"reg\">Annual return (Lampiran B and B1)<\/span>\n   <span class=\"reg\">\u89c1\u8bc1<\/span>\n   <span class=\"reg\">\u6295\u8bc9\u5904\u7406\u8bbe\u6709\u56de\u590d\u65f6\u9650<\/span>\n   <span class=\"reg\">\u8eab\u4efd\u6838\u5b9e<\/span>\n   <span class=\"reg\">\u5370\u82b1\u7a0e\u7531\u7cfb\u7edf\u4e3a\u60a8\u81ea\u52a8\u8ba1\u7b97<\/span>\n  <\/div>\n  <p class=\"note\" style=\"text-align:center;margin-top:22px\">APES \u4e3a\u60a8\u7684\u5408\u89c4\u6d41\u7a0b\u63d0\u4f9b\u652f\u6301\uff0c\u4f46\u4e0d\u80fd\u53d6\u4ee3\u60a8\u7684\u724c\u7167\u3001\u6cd5\u5f8b\u987e\u95ee\u6216\u60a8\u81ea\u5df1\u7684\u5224\u65ad\u3002<\/p>\n <\/div>\n<\/section>\n\n<!-- OUTCOMES -->\n<section class=\"tint\">\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">\u8fd9\u5bf9\u4e1a\u52a1\u610f\u5473\u7740\u4ec0\u4e48<\/span>\n   <h2 class=\"h2\">\u51cf\u5c11\u6587\u4e66\u5de5\u4f5c\u6240\u8017\u7684\u65f6\u95f4\u3002 <span class=\"grad\">\u5bf9\u60a8\u7684\u8d44\u91d1\u638c\u63a7\u66f4\u5f3a\u3002<\/span><\/h2>\n  <\/div>\n  <div class=\"grid3\">\n   <div class=\"out\"><span class=\"k\">\u4fdd\u62a4\u60a8\u7684\u724c\u7167<\/span><h3>\u968f\u65f6\u5e94\u5bf9 KPKT \u7684\u68c0\u67e5<\/h3><p>\u767b\u8bb0\u518c\u3001\u6536\u636e\u3001\u534f\u8bae\u548c\u6295\u8bc9\u8bb0\u5f55\u90fd\u6765\u81ea\u65e5\u5e38\u5de5\u4f5c\uff0c\u56e0\u6b64\u5e94\u5bf9\u68c0\u67e5\u53ea\u9700\u751f\u6210\u4e00\u4efd\u62a5\u544a\uff0c\u800c\u4e0d\u662f\u4e00\u4e2a\u4e34\u65f6\u9879\u76ee\u3002<\/p><\/div>\n   <div class=\"out\"><span class=\"k\">\u6539\u5584\u73b0\u91d1\u6d41<\/span><h3>\u66f4\u65e9\u8ddf\u8fdb\u903e\u671f\u8d37\u6b3e<\/h3><p>\u5206\u671f\u8fd8\u6b3e\u5728\u5230\u671f\u65e5\u7684\u6b21\u65e5\u5373\u8f6c\u4e3a\u903e\u671f\uff0c\u7cfb\u7edf\u4f1a\u53d1\u51fa\u63d0\u9192\uff0c\u6bcf\u7b14\u903e\u671f\u8d37\u6b3e\u90fd\u4f1a\u751f\u6210\u4e00\u4e2a\u6709\u8d1f\u8d23\u4eba\u7684\u50ac\u6536\u4e2a\u6848\u3002<\/p><\/div>\n   <div class=\"out\"><span class=\"k\">\u63a7\u5236\u6210\u672c<\/span><h3>\u4e0d\u5fc5\u518d\u91cd\u5efa\u767b\u8bb0\u518c<\/h3><p>\u4e0d\u5fc5\u518d\u628a\u8d37\u6b3e\u9010\u7b14\u6284\u5f55\u5230 Lampiran A\uff0c\u4e5f\u4e0d\u5fc5\u518d\u624b\u5de5\u7f16\u5236\u5e74\u5ea6\u7533\u62a5\u8868\u3002\u60a8\u7684\u56e2\u961f\u53ef\u4ee5\u4e13\u6ce8\u4e8e\u8d37\u6b3e\u4e1a\u52a1\uff0c\u800c\u4e0d\u662f\u6587\u4e66\u5de5\u4f5c\u3002<\/p><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- START SMALL -->\n<section>\n <div class=\"w\">\n  <div class=\"start\">\n   <div>\n    <span class=\"eyebrow\">\u4ece\u5c0f\u5904\u7740\u624b<\/span>\n    <h2 style=\"margin-top:16px\">\u8bf7\u628a\u6700\u8ba9\u60a8\u62c5\u5fc3\u7684\u90a3\u672c\u767b\u8bb0\u518c\u5e26\u6765\u7ed9\u6211\u4eec\u3002<\/h2>\n    <p style=\"margin-top:14px\">\u60a8\u4e0d\u5fc5\u5728\u7b2c\u4e00\u5929\u5c31\u8fc1\u79fb\u6240\u6709\u8d37\u6b3e\u3002\u8bb8\u591a\u653e\u8d37\u516c\u53f8\u90fd\u4ece\u6700\u8ba9\u81ea\u5df1\u591c\u4e0d\u80fd\u5bd0\u7684\u4e8b\u9879\u5165\u624b\uff0c\u6bd4\u5982\u6536\u636e\u3001\u6295\u8bc9\u6216\u4e3b\u767b\u8bb0\u518c\u3002\u968f\u7740\u60a8\u4fe1\u5fc3\u589e\u5f3a\uff0c\u5176\u4f59\u90e8\u5206\u81ea\u7136\u4f1a\u9646\u7eed\u8ddf\u4e0a\u3002<\/p>\n    <p style=\"margin-top:24px\"><a class=\"btn\" href=\"https:\/\/appnicorn.com\/zh\/contact\/\" data-cta=\"lend-start\">\u8054\u7cfb\u6211\u4eec<\/a><\/p>\n   <\/div>\n   <ol>\n    <li><i>1<\/i><div><b style=\"color:var(--ink)\">\u4e00\u6b21 30 \u5206\u949f\u7684\u901a\u8bdd\u3002<\/b> \u8bf7\u544a\u8bc9\u6211\u4eec\uff0c\u60a8\u76ee\u524d\u5982\u4f55\u7ba1\u7406\u8d37\u6b3e\u4e1a\u52a1\uff0c\u4ee5\u53ca\u6700\u8ba9\u60a8\u62c5\u5fc3\u7684\u662f\u4ec0\u4e48\u3002<\/div><\/li>\n    <li><i>2<\/i><div><b style=\"color:var(--ink)\">\u4e00\u573a\u4f7f\u7528\u60a8\u81ea\u5df1\u8d37\u6b3e\u4ea7\u54c1\u7684\u6f14\u793a\u3002<\/b> \u67e5\u770b\u4e00\u7b14\u5b8c\u6574\u7684\u8d37\u6b3e\u6d41\u7a0b\uff0c\u91c7\u7528\u60a8\u81ea\u5df1\u7684\u5229\u7387\u548c\u8d39\u7528\uff0c\u4ece\u7533\u8bf7\u76f4\u81f3\u5f00\u5177\u6536\u636e\u3002<\/div><\/li>\n    <li><i>3<\/i><div><b style=\"color:var(--ink)\">\u643a\u624b\u5b8c\u6210\u8bbe\u7f6e\u3002<\/b> \u6211\u4eec\u7684\u56e2\u961f\u4f1a\u4e3a\u60a8\u914d\u7f6e\u5de5\u4f5c\u533a\uff0c\u5e76\u534f\u52a9\u60a8\u7684\u5458\u5de5\u4e0a\u624b\u4f7f\u7528\u3002<\/div><\/li>\n   <\/ol>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- FAQ -->\n<section class=\"tint\">\n <div class=\"w\">\n  <div class=\"head\"><span class=\"eyebrow\">\u5e38\u89c1\u95ee\u9898<\/span><h2 class=\"h2\">\u653e\u8d37\u516c\u53f8\u5e38\u95ee\u6211\u4eec\u7684\u95ee\u9898<\/h2><\/div>\n  <div class=\"faq\">\n   <details><summary>\u8fd9\u53ea\u9002\u7528\u4e8e KPKT \u6301\u724c\u653e\u8d37\u516c\u53f8\u5417\uff1f<\/summary><p>\u6cd5\u5b9a\u767b\u8bb0\u518c\u548c\u8868\u683c\u662f\u4e3a\u53d7\u300a1951 \u5e74\u653e\u8d37\u4eba\u6cd5\u4ee4\u300b\u89c4\u7ba1\u7684\u9a6c\u6765\u897f\u4e9a\u653e\u8d37\u516c\u53f8\u800c\u8bbe\u8ba1\u7684\u3002\u5982\u679c\u60a8\u4f9d\u636e\u5176\u4ed6\u5236\u5ea6\u653e\u8d37\uff0c\u8d37\u6b3e\u8d26\u7c3f\u90e8\u5206\u4ecd\u53ef\u4e3a\u60a8\u7684\u4ea7\u54c1\u5efa\u6a21\u3002\u8bf7\u4e0e\u6211\u4eec\u8c08\u8c08\u60a8\u7684\u5177\u4f53\u60c5\u51b5\u3002<\/p><\/details>\n   <details><summary>\u501f\u6b3e\u4eba\u5e94\u7528\u7a0b\u5e8f\u5305\u542b\u5728\u5185\u5417\uff1f<\/summary><p>\u501f\u6b3e\u4eba\u5e94\u7528\u7a0b\u5e8f\u4e3a\u9644\u52a0\u6a21\u5757\u3002\u501f\u6b3e\u4eba\u53ef\u4ee5\u7528\u8ba1\u7b97\u5668\u6838\u5bf9\u8d37\u6b3e\u91d1\u989d\u3001\u63d0\u4ea4\u7533\u8bf7\u3001\u63a5\u53d7\u8981\u7ea6\u3001\u5b8c\u6210\u89c1\u8bc1\u3001\u7b7e\u7f72\u534f\u8bae\u5e76\u67e5\u770b\u8fd8\u6b3e\u8fdb\u5ea6\uff0c\u652f\u6301\u9a6c\u6765\u8bed\u548c\u82f1\u8bed\u3002\u501f\u6b3e\u4eba\u8981\u7ecf\u8fc7\u54ea\u4e9b\u6b65\u9aa4\uff0c\u7531\u60a8\u9009\u62e9\u3002<\/p><\/details>\n   <details><summary>\u5b83\u53ef\u4ee5\u4e0e\u7535\u5b50\u7b7e\u540d\u3001eKYC\u3001\u4fe1\u7528\u62a5\u544a\u548c\u5728\u7ebf\u652f\u4ed8\u5bf9\u63a5\u5417\uff1f<\/summary><p>APES \u53ef\u5bf9\u63a5\u8fd9\u4e9b\u670d\u52a1\u63d0\u4f9b\u5546\uff0c\u4f7f\u7528\u7684\u662f\u60a8\u81ea\u5df1\u5728\u8fd9\u4e9b\u63d0\u4f9b\u5546\u5904\u5f00\u8bbe\u7684\u8d26\u6237\u3002\u6211\u4eec\u4f1a\u4e86\u89e3\u60a8\u4f7f\u7528\u7684\u662f\u54ea\u4e9b\u63d0\u4f9b\u5546\uff0c\u5e76\u4e0e\u60a8\u4e00\u8d77\u5b8c\u6210\u8bbe\u7f6e\u3002<\/p><\/details>\n   <details><summary>\u6211\u4eec\u53ef\u4ee5\u5411\u516c\u53f8\u653e\u8d37\u5417\uff1f<\/summary><p>\u6682\u65f6\u8fd8\u4e0d\u53ef\u4ee5\u3002\u8be5\u6a21\u5757\u76ee\u524d\u662f\u4e3a\u4e2a\u4eba\u501f\u6b3e\u4eba\u8bbe\u8ba1\u7684\u3002\u5411\u516c\u53f8\u653e\u8d37\u7684\u4e1a\u52a1\u6682\u65f6\u4ecd\u5728\u7cfb\u7edf\u4e4b\u5916\u5904\u7406\u3002<\/p><\/details>\n   <details><summary>\u5b83\u53ef\u4ee5\u5904\u7406\u591a\u5c11\u7b14\u8d37\u6b3e\uff1f<\/summary><p>\u5e74\u5ea6\u7533\u62a5\u8868\u53ef\u652f\u6301\u6700\u591a 10,000 \u7b14\u8d37\u6b3e\u7684\u8d26\u7c3f\u3002\u5982\u679c\u60a8\u7684\u8d37\u6b3e\u89c4\u6a21\u66f4\u5927\uff0c\u6b22\u8fce\u4e0e\u6211\u4eec\u8054\u7cfb\u3002<\/p><\/details>\n   <details><summary>\u6211\u4eec\u9700\u8981\u66f4\u6362\u73b0\u6709\u7684\u4f1a\u8ba1\u8f6f\u4ef6\u5417\uff1f<\/summary><p>\u4e0d\u9700\u8981\u3002\u8bf7\u7ee7\u7eed\u4f7f\u7528\u60a8\u7684\u4f1a\u8ba1\u548c\u4eba\u529b\u8d44\u6e90\u8f6f\u4ef6\u3002APES \u8d1f\u8d23\u8fd0\u884c\u60a8\u7684\u8d37\u6b3e\u8d26\u7c3f\u548c KPKT \u767b\u8bb0\u518c\uff0c\u5982\u679c\u60a8\u9700\u8981\u5176\u4ed6\u6a21\u5757\uff0c\u4f8b\u5982\u50ac\u6536\u3001\u6295\u8bc9\u6216\u6587\u4ef6\u7ba1\u63a7\uff0c\u6211\u4eec\u4f1a\u56f4\u7ed5\u60a8\u56e2\u961f\u7684\u5de5\u4f5c\u65b9\u5f0f\u5728\u540c\u4e00\u4e2a\u5de5\u4f5c\u533a\u4e2d\u4e3a\u60a8\u642d\u5efa\u3002<\/p><\/details>\n   <details><summary>\u6211\u4eec\u9700\u8981\u81ea\u5df1\u7684 IT \u56e2\u961f\u5417\uff1f<\/summary><p>\u4e0d\u9700\u8981\u3002Appnicorn \u4f1a\u4e3a\u60a8\u8bbe\u7f6e\u5de5\u4f5c\u533a\u5e76\u652f\u6301\u60a8\u7684\u56e2\u961f\uff0c\u65e5\u5e38\u8fd0\u8425\u7531\u60a8\u81ea\u5df1\u8d1f\u8d23\u3002<\/p><\/details>\n   <details><summary>\u8d39\u7528\u662f\u591a\u5c11\uff1f<\/summary><p>\u8fd9\u53d6\u51b3\u4e8e\u60a8\u7684\u9700\u6c42\uff1a\u6838\u5fc3\u6a21\u5757\u3001\u501f\u6b3e\u4eba\u5e94\u7528\u7a0b\u5e8f\u4ee5\u53ca\u60a8\u60f3\u8981\u5bf9\u63a5\u7684\u670d\u52a1\u3002\u8bf7\u544a\u8bc9\u6211\u4eec\u60a8\u7684\u8d37\u6b3e\u8d26\u7c3f\u60c5\u51b5\uff0c\u6211\u4eec\u4f1a\u4e3a\u60a8\u63d0\u4f9b\u4e00\u4efd\u6e05\u6670\u7684\u65b9\u6848\u3002<\/p><\/details>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- FINAL CTA -->\n<section class=\"final\">\n <div class=\"w\">\n  <h2>\u4e13\u5fc3\u7ecf\u8425\u8d37\u6b3e\u4e1a\u52a1\uff0c\u767b\u8bb0\u518c\u4ea4\u7ed9\u7cfb\u7edf\u81ea\u52a8\u5904\u7406\u3002<\/h2>\n  <p>\u901a\u8fc7\u4e00\u573a\u6f14\u793a\uff0c\u4e86\u89e3 APES \u4e0a\u7684\u5b8c\u6574\u8d37\u6b3e\u6d41\u7a0b\uff0c\u4ece\u7533\u8bf7\u3001\u6536\u636e\u76f4\u81f3\u5e74\u5ea6\u7533\u62a5\u3002<\/p>\n  <a class=\"btn\" href=\"https:\/\/appnicorn.com\/zh\/contact\/\" data-cta=\"lend-final\">\u8054\u7cfb\u6211\u4eec<\/a>\n  <p class=\"small\">Built by Appnicorn. Appnicorn does not offer loans; this page is for licensed moneylenders looking for software.<\/p>\n <\/div>\n<\/section>\n\n<script type=\"application\/ld+json\">{\n    \"@context\": \"https:\\\/\\\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Is this only for KPKT-licensed moneylenders?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The statutory registers and forms are built for Malaysian moneylenders under the Moneylenders Act 1951. If you lend under another regime, the loan book side can still model your products.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Does the borrower app come with it?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The borrower app is an add-on. Borrowers can check a loan with the calculator, apply, accept the offer, attest, sign and follow their repayments, in Bahasa Malaysia or English.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Can it work with e-signing, eKYC, credit reports and online payments?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"APES is built to connect to these providers, using your own accounts with them. We go through which providers you use and set them up with you.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Can we lend to companies?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Not yet. The module is built for individual borrowers today.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"How many loans can it handle?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The annual return is prepared for books of up to 10,000 loans.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Do we have to replace our accounting software?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"No. Keep your accounting and HR software. 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You stop rebuilding registers before an inspection, and&hellip;&nbsp;<a href=\"https:\/\/appnicorn.com\/zh\/apes\/loan-lending-module\/\" class=\"\" rel=\"bookmark\">\u9605\u8bfb\u66f4\u591a &raquo;<span class=\"screen-reader-text\">KPKT \u8d37\u6b3e\u7cfb\u7edf<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":342,"parent":19268,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-pagebuilder-full-width.php","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","_ti_tpc_template_sync":false,"_ti_tpc_template_id":"","footnotes":""},"class_list":["post-22523","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v20.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Moneylender Software Malaysia | KPKT Loan System | APES<\/title>\n<meta name=\"description\" content=\"Run your loan book, KPKT registers and annual return in one place. 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