Compliance & Loan Disclosure
Loan provider: BINTANG GEMILANG RESOURCES. Dana Harmoni is the website enquiry brand; the advertising agency / domain manager is not the lender. Company and licence details follow the supplied document and do not imply government endorsement of this website.
Loan Information & Cost Disclosure
PENDING PRODUCT CONFIRMATIONThe lender has not confirmed the full fee structure or representative quote. Pending items do not mean zero fees or approved loan terms.
- Minimum repayment period
- 6 months
- Maximum repayment period
- 84 months
- Minimum advertised annual interest rate
- 4.50% p.a.*
*4.50% p.a. is the minimum starting annual interest rate and is not available to every applicant. The approved rate, borrowing costs, instalments and total repayment are subject to final approval and the formal loan agreement.
Maximum APR
Awaiting lender confirmation
The maximum APR must account for applicable fees under the actual product rules. A contract annual interest rate is different from APR and cannot replace it.
Representative Example
A lender-confirmed representative quote including all applicable fees is not yet available. Development calculations are not presented here as a loan offer.
- Loan amount
- Awaiting lender confirmation
- Loan term
- Awaiting lender confirmation
- Contract annual interest rate
- Awaiting lender confirmation
- Example APR
- Awaiting lender confirmation
- Effective annual interest rate (EIR)
- Awaiting lender confirmation
- Monthly repayment
- Awaiting lender confirmation
- Total interest / financing cost
- Awaiting lender confirmation
- Application fee
- Awaiting lender confirmation
- Processing fee
- Awaiting lender confirmation
- Stamp duty / statutory charges
- Awaiting lender confirmation
- Other mandatory fees
- Awaiting lender confirmation
- Total fees
- Awaiting lender confirmation
- Net amount received by the customer
- Awaiting lender confirmation
- Final total repayment
- Awaiting lender confirmation
Fees & Charges
Fee amounts, applicable rules and who pays remain subject to lender confirmation, including whether fees are absorbed, paid separately or deducted before disbursement. Unconfirmed fees do not mean free of charge.
- Application fee
- Awaiting lender confirmation
- Processing fee
- Awaiting lender confirmation
- Stamp duty / statutory charges
- Awaiting lender confirmation
- Other mandatory fees
- Awaiting lender confirmation
- Early settlement fee and rules
- Awaiting lender confirmation
- Late interest and calculation rules
- Awaiting lender confirmation
- Who pays and when fees are charged
- Awaiting lender confirmation
Business Identity & Contact Information
Loan provider: BINTANG GEMILANG RESOURCES. Dana Harmoni is the website enquiry brand; the advertising agency / domain manager is not the lender. Company and licence details follow the supplied document and do not imply government endorsement of this website.
- Financial service provider legal business name
- BINTANG GEMILANG RESOURCES
- Financial service provider physical business address
- No. 33-01, Jalan Suria 3, Bandar Seri Alam, 81750 Masai, Johor
- Business telephone
- Awaiting business confirmation
- Business email
- Awaiting business confirmation
- Advertising agency / domain manager authorization document
- Awaiting business confirmation
Website WhatsApp enquiry channel: +60 11-7229 6323
Loan Provider & Licence Information
- Loan provider
- BINTANG GEMILANG RESOURCES
- Licence holder
- BINTANG GEMILANG RESOURCES
- Moneylender licence number
- WL5973/01/01-7/180121
- Validity
- 19/01/2026–18/01/2027
- Business address on the licence
- No. 33-01, Jalan Suria 3, Bandar Seri Alam, 81750 Masai, Johor
- SSM Registration No.
- NEED CLIENT DATA
- Telephone
- NEED CLIENT DATA
- Business email
- NEED CLIENT DATA
- Advertising permit status
- Not provided; regulatory action required before advertising.
The client has confirmed the lender. The business name, address, licence number and validity are transcribed from the supplied moneylending licence. A moneylending licence and advertising permit are separate documents; unavailable information is marked as pending.
Loan Information & Cost Disclosure
The lender has not confirmed the full fee structure or representative quote. Pending items do not mean zero fees or approved loan terms.
- Minimum repayment period: 6 months
- Maximum repayment period: 84 months
- Minimum advertised annual interest rate: 4.50% p.a.*
- Maximum APR: Awaiting lender confirmation
Minimum advertised annual interest rate
*4.50% p.a. is the minimum starting annual interest rate and is not available to every applicant. The approved rate, borrowing costs, instalments and total repayment are subject to final approval and the formal loan agreement.
No approval guarantee
Any outcome depends on formal eligibility, document, credit and risk assessment. The quick assessment is not a credit decision.
Not a formal loan offer
Any amount, repayment period, rate, fees and total cost must follow verified product information.
Service identity
Dana Harmoni is not a bank. This website provides general personal-loan information and initial enquiry support. Confirm the actual service provider, applicable licence and product details before proceeding.
Before making a decision
Read all applicable terms, fees, risks, late-payment and early-settlement conditions, and confirm the service provider’s identity.
Business Identity & Contact Information
Loan provider: BINTANG GEMILANG RESOURCES. Dana Harmoni is the website enquiry brand; the advertising agency / domain manager is not the lender. Company and licence details follow the supplied document and do not imply government endorsement of this website.
Understand the situation and conditions first
Clear information is more useful than a dramatic promise.