Saya pinjam wang dari Ah Long, faedah yang dikenakan terlalu tinggi, adakah saya perlu bayar amaun yang dikenakan?

 



Tidak. Pemberi pinjaman wang yang tidak berlesen tidak boleh mengenakan faedah sama-sekali.

Sekirannya seseorang menjalankan perniagaan pinjaman wang, pemberi pinjaman wang tersebut perlu mempunyai lesen pemberi pinjaman wang di bawah Akta Pemberi Pinjaman Wang 1951.

Akta Pemberi Pinjaman Wang 1951 (Akta 400):-

Akta ini bertujuan untuk mengawal dan menguatkuasakan peraturan tentang pemberi pinjaman wang. Ia memperuntukkan bahawa pemberi pinjaman wang perlu mematuhi syarat-syarat dan terma-terma yang telah ditetapkan oleh undang-undang. Akta ini juga memperuntukkan bahawa pemberi pinjaman wang perlu mendapatkan lesen daripada Kementerian Perumahan dan Kerajaan Tempatan untuk menjalankan perniagaan mereka. Anda juga perlu tahu bahawa perjanjian pinjaman wang juga telah diperuntukkan di bawah Akta yang sama dan ianya wajib dipatuhi.

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