Financial Term Index: A

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Automatic Transfer

A system that is set up to automatically transfer money from a one bank account into another account at a certain point in time to


An item of a tangible or intangible nature that has value or benefit, such as the capacity to generate revenue or interest. An example of


Arrears is the past due amount you own for the loan.


The simultaneous purchase and sale of a good in order to profit from a difference in price.

Application Fee

A fee some lenders charge for the service of arranging and processing the application of your loan.


Annuity is a series of fixed payments of the same amount paid at regular intervals (i.e., every week, month, or pay period) over a specified

Annual Percentage Rate (APR)

Annual percentage rate or APR is the total charge for the loan including fees and interest, expressed as a percentage, which allows you to compare

Annual Fees

Annual fees are what banks charge on an annual basis for their maintenance. This is only applicable for credit lines.


Amortization in personal loan is the fixed repayment time period, or regular installments over time of the loan.


AKPK refers to Agensi Kaunseling and Pengurusan Kredit and is set up by Bank Negara Malaysia (BNM) on April 2006. AKPK provides Financial Education, Financial

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