{"id":1101,"date":"2026-08-09T15:29:30","date_gmt":"2026-08-09T07:29:30","guid":{"rendered":"https:\/\/alrizqmortgage.com\/?page_id=1101"},"modified":"2026-08-15T14:22:14","modified_gmt":"2026-08-15T06:22:14","slug":"mortgageloan","status":"publish","type":"page","link":"https:\/\/alrizqmortgage.com\/ms\/services\/mortgageloan\/","title":{"rendered":"Pinjaman Perumahan"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1101\" class=\"elementor elementor-1101\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c417d15 e-flex e-con-boxed e-con e-parent\" data-id=\"c417d15\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0d9cea8 e-con-full xpro-glass-enabled--yes xpro-glass-effect__glass2 e-flex xpro-glass-shadow__none e-con e-child\" data-id=\"0d9cea8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;xpro_liquid_glass_effect&quot;:&quot;glass2&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ced6339 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"ced6339\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Navigasi halaman\"><ul class=\"hfe-breadcrumbs\"><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f13bfa1 elementor-widget elementor-widget-heading\" data-id=\"f13bfa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Satu sesi konsultasi untuk membandingkan beberapa bank.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ee081a elementor-widget elementor-widget-text-editor\" data-id=\"2ee081a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Kami menilai kedudukan kewangan anda dan menyenarai pendek pakej pembiayaan berdasarkan kemampuan, fleksibiliti bayaran balik dan matlamat jangka panjang \u2014 bukan sekadar produk daripada sebuah bank.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4643ccc e-con-full e-flex e-con e-child\" data-id=\"4643ccc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1146cd9 e-flex e-con-boxed e-con e-parent\" data-id=\"1146cd9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-659f920 e-con-full e-flex e-con e-child\" data-id=\"659f920\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-42c5b64 e-con-full e-flex e-con e-child\" data-id=\"42c5b64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c16f057 elementor-widget elementor-widget-heading\" data-id=\"c16f057\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pilihan Pembiayaan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3227ae e-con-full e-flex e-con e-child\" data-id=\"e3227ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc741e4 elementor-widget elementor-widget-text-editor\" data-id=\"bc741e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tKebanyakan orang hanya berurusan dengan sebuah bank dan menerima pakej yang ditawarkan. Kami membandingkan pilihan daripada beberapa bank bagi pihak anda untuk mencari pakej yang sesuai \u2014 sama ada bagi rumah pertama, hartanah pelaburan atau premis komersial.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ece72b e-flex e-con-boxed e-con e-parent\" data-id=\"9ece72b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-748f16b e-con-full e-flex e-con e-child\" data-id=\"748f16b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2854bcf elementor-widget elementor-widget-heading\" data-id=\"2854bcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jenis Pembiayaan Hartanah<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b44ac6a e-con-full e-flex e-con e-child\" data-id=\"b44ac6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c98653d elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c98653d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewbox=\"0 0 512 512\"><g><path d=\"m38.1 421.4h19.9v-141l-9.9 5.5c-5.4 3-11.9-.9-11.9-7v-45.4c0-3.2 1.8-5.9 4.5-7.2l87.2-48.9v-33.9l-16.6 9.3c-5.4 3-11.9-.9-11.9-7v-39.4c0-3.1 1.8-5.9 4.5-7.2l135.9-76.2c7.5-4.2 16-4.2 23.5 0l136.3 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16h-22.2v22.2h22.2zm-30.2-82.4h38.2c4.4 0 8 3.6 8 8v38.2c0 4.4-3.6 8-8 8h-38.2c-4.4 0-8-3.6-8-8v-38.2c0-4.4 3.6-8 8-8zm30.2 16.1h-22.2v22.2h22.2zm-12.9-171.2c.3-.1.5-.3.8-.4l115.1-64.5c2.4-1.4 5.3-1.5 7.9-.1l132.2 74.1v-21.1l-132.3-74c-2.6-1.4-5.3-1.4-7.9 0l-132.2 74.1v21.1z\"><\/path><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPembiayaan Hartanah Kediaman\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPembiayaan Hartanah Kediaman\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69ab156 e-con-full e-flex e-con e-child\" data-id=\"69ab156\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element 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30-30z\"><\/path><\/g><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPembiayaan Hartanah Komersial\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRumah kedai, pejabat dan unit komersial.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d9296f3 e-con-full e-flex e-con e-child\" data-id=\"d9296f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ee7cdb elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7ee7cdb\" data-element_type=\"widget\" data-e-type=\"widget\" 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class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPembiayaan Projek Baharu\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPembelian projek baharu daripada pemaju.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a288879 e-con-full e-flex e-con e-child\" data-id=\"a288879\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bce7386 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bce7386\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" height=\"512\" viewbox=\"0 0 64 64\" width=\"512\"><g style=\"fill:none;stroke:#010101;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;stroke-width:1.965\"><path d=\"m46.9 5v-.4c0-1.1.9-2 2-2h1.4c1.1 0 2 .9 2 2v5.9\"><\/path><path d=\"m20.2 28.5v-7.1l16-16.1c.3-.3.7-.3 1 0l16.1 16.1v12.8\"><\/path><path d=\"m53.5 21.6-16.3-16.3c-.3-.3-.7-.3-1 0l-16.3 16.3c-.8.8-2.1.8-2.9 0-.8-.8-.8-2.1 0-2.9l16.4-16.3c1.9-1.9 4.9-1.9 6.7 0l16.3 16.3c.8.8.8 2.1 0 2.9-.8.8-2.1.8-2.9 0z\"><\/path><path d=\"m30.4 29.6v-2.2c0-1.4 1.2-2.6 2.6-2.6h7.3c1.4 0 2.6 1.2 2.6 2.6v5.2\"><\/path><path d=\"m13.4 38.1c1.4-1.8 3.3-3.4 5.6-4.8 3.7-2.4 8.5-1.8 11.6 1.1 1.1 1 2.4 1.6 3.9 1.6h5.8c2 0 3.6 1.6 3.6 3.6v.1c0 .9-.3 1.7-.8 2.3\"><\/path><path d=\"m24.3 52.5c.3-.1.7-.1 1-.1l14-.4c3.3-.1 6.5-.9 9.5-2.4 4.7-2.4 9.1-5.2 13-8.4.5-.4.8-1 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class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBantuan Pembeli Rumah Pertama\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPanduan sepanjang permohonan pertama anda.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94a3ec5 e-con-full e-flex e-con e-child\" data-id=\"94a3ec5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ce1559 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2ce1559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div 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8v98.941h-16.393v-98.941c0-4.418-3.582-8-8-8h-8.542z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPembiayaan Pelaburan Hartanah\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSusunan pembiayaan untuk portfolio hartanah yang berkembang.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b276d1d e-con-full e-flex e-con e-child\" data-id=\"b276d1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b20e41 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3b20e41\" 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1.834-3.829 4.327-4.399v.259 8.549c-2.472-.611-4.327-2.372-4.327-4.409z\"><\/path><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPermohonan Pinjaman Bersama\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPermohonan menggunakan gabungan pendapatan pembeli bersama.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d600193 e-flex e-con-boxed e-con e-parent\" data-id=\"d600193\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c37af9 elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"9c37af9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\tKalkulator\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a073b1c e-flex e-con-boxed e-con e-parent\" data-id=\"a073b1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bd4a167 e-con-full e-flex e-con e-child\" data-id=\"bd4a167\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5c2ae3 elementor-widget elementor-widget-heading\" data-id=\"c5c2ae3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kalkulator Kemampuan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-419b3f7 elementor-widget elementor-widget-mlpc_property_affordability\" data-id=\"419b3f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mlpc_property_affordability.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section\n\t\t\tid=\"mlpc-property-affordability-1\"\n\t\t\tclass=\"mlpc-calculator mlpc-calculator--property-affordability\"\n\t\t\tdata-mlpc-type=\"property_affordability\"\n\t\t>\n\t\t\t<script type=\"application\/json\" class=\"mlpc-calculator__config\">{\"legal\":{\"firstLimit\":500000,\"firstRate\":1.25,\"secondLimit\":7500000,\"secondRate\":1,\"excessRate\":1,\"minimumFee\":500,\"hdaFixedLimit\":50000,\"hdaFixedFee\":500,\"hdaBandOneLimit\":250000,\"hdaBandOnePercent\":75,\"hdaBandTwoLimit\":500000,\"hdaBandTwoPercent\":70,\"hdaBandThreeLimit\":1000000,\"hdaBandThreePercent\":65,\"hdaAbovePercent\":50},\"transfer\":{\"firstLimit\":100000,\"firstRate\":1,\"secondLimit\":500000,\"secondRate\":2,\"thirdLimit\":1000000,\"thirdRate\":3,\"excessRate\":4},\"loanStamp\":{\"unit\":1000,\"perUnit\":5,\"minimumDuty\":10},\"homeLoan\":{\"defaultMargin\":80,\"defaultInterest\":4,\"defaultTenure\":30,\"maxTenure\":35},\"affordability\":{\"defaultInterest\":4,\"defaultTenure\":35,\"defaultDownPayment\":10,\"maxTenure\":35,\"maxAge\":70,\"rounding\":1000},\"dsr\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":35,\"creditCardRate\":5,\"excellentLimit\":40,\"moderateLimit\":60},\"lppsa\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":40,\"instalmentLimit\":60,\"debtLimit\":80,\"minNetRetention\":20},\"effectiveDate\":\"2023-07-15\",\"lastUpdated\":\"2026-08-07\",\"strings\":{\"propertyValue\":\"Property value (RM)\",\"loanAmount\":\"Loan amount (RM)\",\"loanStampInvalid\":\"Please enter a valid loan amount greater than RM0.\",\"transferStampInvalid\":\"Please enter valid purchase price and market value amounts greater than RM0.\",\"homeLoanInvalid\":\"Please check the loan amount, interest rate, loan tenure and optional extra payment.\",\"affordabilityInvalid\":\"Please check the gross income, net income, monthly expenses and assumptions. Monthly expenses must remain below the automatically calculated affordability limit.\",\"dsrInvalid\":\"Please check the net monthly income, commitments, proposed loan amount, tenure and interest rate.\",\"dsrExcellent\":\"Excellent (High Chance of Approval)\",\"dsrModerate\":\"Moderate (Possible Approval)\",\"dsrHigh\":\"High Risk (Low Chance of Approval)\",\"lppsaInvalid\":\"Please check the salary, deductions, commitments, financing amount and assumptions. Deductions and commitments must remain below the applicable income limits.\",\"lppsaSalaryLimit\":\"Salary-based eligibility\",\"lppsaRequestedLimit\":\"Requested financing amount\",\"lppsaPropertyLimit\":\"Property price\",\"lppsaValuationLimit\":\"JPPH valuation\"}}<\/script>\n\n\t\t\t\n\t\t\t\t\t\t\t\t\t<form class=\"mlpc-affordability\" data-mlpc-affordability-form novalidate action=\"\">\n\t\t\t<div class=\"mlpc-affordability__inputs\">\n\t\t\t\t<div class=\"mlpc-affordability__fields\">\n\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-property-affordability-1-gross-income\"\n\t\t\t\t\t\t\t>\n\t\t\t\tGross monthly income (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-property-affordability-1-gross-income\"\n\t\t\t\t\tname=\"gross_income\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-property-affordability-1-gross-income-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-property-affordability-1-gross-income-helper\" class=\"mlpc-calculator__helper\">Your monthly income before statutory deductions.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-property-affordability-1-net-income\"\n\t\t\t\t\t\t\t>\n\t\t\t\tNet monthly income (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-property-affordability-1-net-income\"\n\t\t\t\t\tname=\"net_income\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-property-affordability-1-net-income-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-property-affordability-1-net-income-helper\" class=\"mlpc-calculator__helper\">Your monthly take-home income after statutory deductions.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-property-affordability-1-commitments\"\n\t\t\t\t\t\t\t>\n\t\t\t\tTotal monthly expenses (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-property-affordability-1-commitments\"\n\t\t\t\t\tname=\"existing_commitments\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-property-affordability-1-commitments-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-property-affordability-1-commitments-helper\" class=\"mlpc-calculator__helper\">Include loans, financing, credit cards and other fixed monthly commitments.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-property-affordability-1-tenure\">Loan tenure (years)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-property-affordability-1-tenure\"\n\t\t\t\tname=\"loan_tenure\"\n\t\t\t\tvalue=\"35\"\n\t\t\t\tstep=\"1\"\n\t\t\t\tmin=\"1\"\n\t\t\t\tmax=\"35\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-property-affordability-1-interest\">Indicative interest rate (%)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-property-affordability-1-interest\"\n\t\t\t\tname=\"interest_rate\"\n\t\t\t\tvalue=\"4\"\n\t\t\t\tstep=\"0.01\"\n\t\t\t\tmin=\"0\"\n\t\t\t\tmax=\"100\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-property-affordability-1-down-payment\">Down payment (%)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-property-affordability-1-down-payment\"\n\t\t\t\tname=\"down_payment\"\n\t\t\t\tvalue=\"10\"\n\t\t\t\tstep=\"0.01\"\n\t\t\t\tmin=\"0\"\n\t\t\t\tmax=\"99.99\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<details class=\"mlpc-affordability__advanced\">\n\t\t\t\t\t<summary>Advanced Options<\/summary>\n\t\t\t\t\t<div class=\"mlpc-affordability__advanced-grid\">\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-property-affordability-1-joint-income\"\n\t\t\t\t\t\t\t>\n\t\t\t\tJoint applicant net income (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-property-affordability-1-joint-income\"\n\t\t\t\t\tname=\"joint_income\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-property-affordability-1-other-income\"\n\t\t\t\t\t\t\t>\n\t\t\t\tOther recognised monthly income (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-property-affordability-1-other-income\"\n\t\t\t\t\tname=\"other_income\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-property-affordability-1-age\">Applicant age (optional)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-property-affordability-1-age\"\n\t\t\t\tname=\"applicant_age\"\n\t\t\t\tvalue=\"\"\n\t\t\t\tstep=\"1\"\n\t\t\t\tmin=\"18\"\n\t\t\t\tmax=\"99\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-property-affordability-1-buffer\">Conservative rate buffer (%)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-property-affordability-1-buffer\"\n\t\t\t\tname=\"rate_buffer\"\n\t\t\t\tvalue=\"0\"\n\t\t\t\tstep=\"0.01\"\n\t\t\t\tmin=\"0\"\n\t\t\t\tmax=\"20\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/details>\n\n\t\t\t\t<div class=\"mlpc-calculator__message\" data-mlpc-message role=\"status\" aria-live=\"polite\"><\/div>\n\t\t\t\t<button type=\"submit\" class=\"mlpc-affordability__calculate\">Kira<\/button>\n\t\t\t<\/div>\n\n\t\t\t<section class=\"mlpc-affordability__results\" aria-live=\"polite\" aria-atomic=\"true\">\n\t\t\t\t<span class=\"mlpc-affordability__eyebrow\">Estimated Affordability<\/span>\n\t\t\t\t<output class=\"mlpc-affordability__price\" data-mlpc-affordability-price>--<\/output>\n\t\t\t\t<p class=\"mlpc-affordability__price-label\">Estimated Property Price<\/p>\n\t\t\t\t<div class=\"mlpc-affordability__metrics\">\n\t\t\t\t\t<div><span>Monthly Commitment<\/span><strong data-mlpc-affordability-instalment>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Loan Amount<\/span><strong data-mlpc-affordability-loan>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Interest Rate<\/span><strong data-mlpc-affordability-rate>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Effective Tenure<\/span><strong data-mlpc-affordability-tenure>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Financing Margin<\/span><strong data-mlpc-affordability-margin>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Applied DSR<\/span><strong data-mlpc-affordability-dsr>--<\/strong><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"mlpc-affordability__note\">This estimate is indicative only and is not a loan offer. Actual approval remains subject to a bank or financing provider assessment.<\/p>\n\t\t\t<\/section>\n\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"ms\"\/><\/form>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__notice\">\n\t\t\t<p>Kalkulator ini memberikan anggaran untuk rujukan umum sahaja. Yuran guaman, duti setem, kos pembiayaan dan cukai sebenar mungkin berbeza. Dapatkan nasihat profesional dan sebut harga rasmi sebelum meneruskan.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e94f0d e-con-full e-flex e-con e-child\" data-id=\"2e94f0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-713f6ec elementor-widget elementor-widget-heading\" data-id=\"713f6ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kalkulator Pinjaman Perumahan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cee3855 elementor-widget elementor-widget-mlpc_home_loan\" data-id=\"cee3855\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mlpc_home_loan.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section\n\t\t\tid=\"mlpc-home-loan-2\"\n\t\t\tclass=\"mlpc-calculator mlpc-calculator--home-loan\"\n\t\t\tdata-mlpc-type=\"home_loan\"\n\t\t>\n\t\t\t<script type=\"application\/json\" class=\"mlpc-calculator__config\">{\"legal\":{\"firstLimit\":500000,\"firstRate\":1.25,\"secondLimit\":7500000,\"secondRate\":1,\"excessRate\":1,\"minimumFee\":500,\"hdaFixedLimit\":50000,\"hdaFixedFee\":500,\"hdaBandOneLimit\":250000,\"hdaBandOnePercent\":75,\"hdaBandTwoLimit\":500000,\"hdaBandTwoPercent\":70,\"hdaBandThreeLimit\":1000000,\"hdaBandThreePercent\":65,\"hdaAbovePercent\":50},\"transfer\":{\"firstLimit\":100000,\"firstRate\":1,\"secondLimit\":500000,\"secondRate\":2,\"thirdLimit\":1000000,\"thirdRate\":3,\"excessRate\":4},\"loanStamp\":{\"unit\":1000,\"perUnit\":5,\"minimumDuty\":10},\"homeLoan\":{\"defaultMargin\":80,\"defaultInterest\":4,\"defaultTenure\":30,\"maxTenure\":35},\"affordability\":{\"defaultInterest\":4,\"defaultTenure\":35,\"defaultDownPayment\":10,\"maxTenure\":35,\"maxAge\":70,\"rounding\":1000},\"dsr\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":35,\"creditCardRate\":5,\"excellentLimit\":40,\"moderateLimit\":60},\"lppsa\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":40,\"instalmentLimit\":60,\"debtLimit\":80,\"minNetRetention\":20},\"effectiveDate\":\"2023-07-15\",\"lastUpdated\":\"2026-08-07\",\"strings\":{\"propertyValue\":\"Property value (RM)\",\"loanAmount\":\"Loan amount (RM)\",\"loanStampInvalid\":\"Please enter a valid loan amount greater than RM0.\",\"transferStampInvalid\":\"Please enter valid purchase price and market value amounts greater than RM0.\",\"homeLoanInvalid\":\"Please check the loan amount, interest rate, loan tenure and optional extra payment.\",\"affordabilityInvalid\":\"Please check the gross income, net income, monthly expenses and assumptions. Monthly expenses must remain below the automatically calculated affordability limit.\",\"dsrInvalid\":\"Please check the net monthly income, commitments, proposed loan amount, tenure and interest rate.\",\"dsrExcellent\":\"Excellent (High Chance of Approval)\",\"dsrModerate\":\"Moderate (Possible Approval)\",\"dsrHigh\":\"High Risk (Low Chance of Approval)\",\"lppsaInvalid\":\"Please check the salary, deductions, commitments, financing amount and assumptions. Deductions and commitments must remain below the applicable income limits.\",\"lppsaSalaryLimit\":\"Salary-based eligibility\",\"lppsaRequestedLimit\":\"Requested financing amount\",\"lppsaPropertyLimit\":\"Property price\",\"lppsaValuationLimit\":\"JPPH valuation\"}}<\/script>\n\n\t\t\t\n\t\t\t\t\t\t\t\t\t<form class=\"mlpc-home-loan\" data-mlpc-home-loan-form novalidate action=\"\">\n\t\t\t<div class=\"mlpc-home-loan__inputs\">\n\t\t\t\t<div class=\"mlpc-home-loan__fields\">\n\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-home-loan-2-loan-amount\"\n\t\t\t\t\t\t\t>\n\t\t\t\tLoan amount (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-home-loan-2-loan-amount\"\n\t\t\t\t\tname=\"loan_amount\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-home-loan-2-loan-amount-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-home-loan-2-loan-amount-helper\" class=\"mlpc-calculator__helper\">Enter the amount you intend to borrow.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-home-loan-2-interest\">Kadar keuntungan\/faedah (% setahun)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-home-loan-2-interest\"\n\t\t\t\tname=\"interest_rate\"\n\t\t\t\tvalue=\"4\"\n\t\t\t\tstep=\"0.01\"\n\t\t\t\tmin=\"0\"\n\t\t\t\tmax=\"100\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-home-loan-2-tenure\">Loan tenure (years)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-home-loan-2-tenure\"\n\t\t\t\tname=\"loan_tenure\"\n\t\t\t\tvalue=\"30\"\n\t\t\t\tstep=\"1\"\n\t\t\t\tmin=\"1\"\n\t\t\t\tmax=\"35\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-home-loan-2-extra-payment\"\n\t\t\t\t\t\t\t>\n\t\t\t\tExtra monthly payment (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-home-loan-2-extra-payment\"\n\t\t\t\t\tname=\"extra_payment\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-home-loan-2-extra-payment-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-home-loan-2-extra-payment-helper\" class=\"mlpc-calculator__helper\">Optional. Extra payments reduce the principal and may shorten the loan period.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mlpc-calculator__message\" data-mlpc-message role=\"status\" aria-live=\"polite\"><\/div>\n\t\t\t\t<button type=\"submit\" class=\"mlpc-home-loan__calculate\">Kira<\/button>\n\t\t\t<\/div>\n\n\t\t\t<section class=\"mlpc-home-loan__results\">\n\t\t\t\t<span class=\"mlpc-home-loan__eyebrow\">Estimated Repayment<\/span>\n\t\t\t\t<output class=\"mlpc-home-loan__monthly\" data-mlpc-home-monthly role=\"status\" aria-live=\"polite\" aria-atomic=\"true\">--<\/output>\n\t\t\t\t<p class=\"mlpc-home-loan__monthly-label\">Standard Monthly Instalment<\/p>\n\n\t\t\t\t<div class=\"mlpc-home-loan__metrics\">\n\t\t\t\t\t<div><span>Loan Amount<\/span><strong data-mlpc-home-loan-amount>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Interest<\/span><strong data-mlpc-home-total-interest>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Repayment<\/span><strong data-mlpc-home-total-payment>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Estimated Payoff Period<\/span><strong data-mlpc-home-payoff>--<\/strong><\/div>\n\t\t\t\t\t<div hidden data-mlpc-home-extra-row><span>Monthly Payment With Extra<\/span><strong data-mlpc-home-with-extra>--<\/strong><\/div>\n\t\t\t\t\t<div hidden data-mlpc-home-interest-saved-row><span>Interest Saved<\/span><strong data-mlpc-home-interest-saved>--<\/strong><\/div>\n\t\t\t\t\t<div hidden data-mlpc-home-time-saved-row><span>Time Saved<\/span><strong data-mlpc-home-time-saved>--<\/strong><\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<details class=\"mlpc-home-loan__schedule\" data-mlpc-home-schedule hidden>\n\t\t\t\t\t<summary>View repayment schedule<\/summary>\n\t\t\t\t\t<div class=\"mlpc-home-loan__schedule-table\" tabindex=\"0\">\n\t\t\t\t\t\t<table>\n\t\t\t\t\t\t\t<thead>\n\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Month<\/th>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Payment<\/th>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Principal<\/th>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Interest<\/th>\n\t\t\t\t\t\t\t\t\t<th scope=\"col\">Balance<\/th>\n\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t\t\t\t\t<tbody data-mlpc-home-schedule-body><\/tbody>\n\t\t\t\t\t\t<\/table>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/details>\n\n\t\t\t\t<p class=\"mlpc-home-loan__note\">This estimate assumes a consistent interest rate and regular monthly payments. Actual repayment amounts may differ by bank, product and rate changes.<\/p>\n\t\t\t<\/section>\n\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"ms\"\/><\/form>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__notice\">\n\t\t\t<p>Kalkulator ini memberikan anggaran untuk rujukan umum sahaja. Yuran guaman, duti setem, kos pembiayaan dan cukai sebenar mungkin berbeza. Dapatkan nasihat profesional dan sebut harga rasmi sebelum meneruskan.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af2440d e-flex e-con-boxed e-con e-parent\" data-id=\"af2440d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b050ec2 e-con-full e-flex e-con e-child\" data-id=\"b050ec2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6ca40d elementor-widget elementor-widget-heading\" data-id=\"f6ca40d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cari pakej pembiayaan yang sesuai untuk anda.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03c8f57 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"03c8f57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/alrizqmortgage.com\/ms\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hubungi Alrizq<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>One consultation. Several banks compared. We assess your financial profile and shortlist mortgage packages based on affordability, repayment flexibility, and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1067,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1101","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/comments?post=1101"}],"version-history":[{"count":73,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1101\/revisions"}],"predecessor-version":[{"id":1648,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1101\/revisions\/1648"}],"up":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1067"}],"wp:attachment":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/media?parent=1101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}