{"id":1199,"date":"2026-08-13T23:50:57","date_gmt":"2026-08-13T15:50:57","guid":{"rendered":"https:\/\/alrizqmortgage.com\/?page_id=1199"},"modified":"2026-08-15T14:23:43","modified_gmt":"2026-08-15T06:23:43","slug":"refinance","status":"publish","type":"page","link":"https:\/\/alrizqmortgage.com\/ms\/refinance\/","title":{"rendered":"Pembiayaan Semula"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1199\" class=\"elementor elementor-1199\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9fc5a95 e-flex e-con-boxed e-con e-parent\" data-id=\"9fc5a95\" 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-64e37c2 e-con-full xpro-glass-enabled--yes xpro-glass-effect__glass2 e-flex xpro-glass-shadow__none e-con e-child\" data-id=\"64e37c2\" 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-88251d6 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"88251d6\" 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-de1b910 elementor-widget elementor-widget-heading\" data-id=\"de1b910\" 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\">Hartanah sudah menjadi milik anda. Kini manfaatkan pembiayaannya.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-888a4d7 elementor-widget elementor-widget-text-editor\" data-id=\"888a4d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tPembiayaan semula bukan sekadar untuk mengurangkan kadar. Kami membantu anda memanfaatkan ekuiti hartanah bagi pengubahsuaian, pelaburan atau penyusunan semula hutang.\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1350691 e-con-full e-flex e-con e-child\" data-id=\"1350691\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5108d0d elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"5108d0d\" 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\/dsr-calculator\/\">\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\">Semak DSR Anda<\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-33b00bd e-con-full e-flex e-con e-child\" data-id=\"33b00bd\" 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-7d336b1 e-flex e-con-boxed e-con e-parent\" data-id=\"7d336b1\" 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-75fc56b e-con-full e-flex e-con e-child\" data-id=\"75fc56b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7f26c0b e-con-full e-flex e-con e-child\" data-id=\"7f26c0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aaa27c5 elementor-widget elementor-widget-heading\" data-id=\"aaa27c5\" 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\">Bila Pembiayaan Semula Sesuai\n\n<\/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-8992ca2 e-con-full e-flex e-con e-child\" data-id=\"8992ca2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad06136 elementor-widget elementor-widget-text-editor\" data-id=\"ad06136\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tApabila nilai semasa hartanah melebihi baki pinjaman, perbezaan itu ialah ekuiti yang boleh dimanfaatkan. Pembiayaan semula boleh dipertimbangkan untuk mengurangkan ansuran bulanan, mendapatkan kadar lebih baik, mengeluarkan tunai bagi pengubahsuaian atau pelaburan, atau menyatukan hutang berkadar tinggi.\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-bcc9df2 e-flex e-con-boxed e-con e-parent\" data-id=\"bcc9df2\" 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-787b8a8 e-con-full e-flex e-con e-child\" data-id=\"787b8a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2279888 elementor-widget elementor-widget-heading\" data-id=\"2279888\" 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\">Kelebihan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a5eb39 e-con-full e-flex e-con e-child\" data-id=\"6a5eb39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78f06b6 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"78f06b6\" 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 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elementor-widget elementor-widget-icon-box\" data-id=\"848aea5\" 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 1024 1024\"><g id=\"XMLID_494_\"><g id=\"XMLID_505_\"><g id=\"XMLID_66_\"><path id=\"XMLID_70_\" d=\"m802 155.7v20.1 54.4 80.7 98.5 107.4 109 101.1 85.9 61.7c0 9.7-.2 19.4 0 29.1v1.3c10-10 20-20 30-30-21.3 0-42.6 0-63.9 0-51.1 0-102.2 0-153.3 0-61.8 0-123.7 0-185.5 0-53.5 0-106.9 0-160.4 0-25.9 0-52-.6-77.9 0-.4 0-.7 0-1.1 0l30 30c0-6.7 0-13.4 0-20.1 0-18.2 0-36.4 0-54.7 0-27.1 0-54.2 0-81.3 0-32.9 0-65.8 0-98.7 0-36 0-72 0-108 0-36.3 0-72.6 0-108.9 0-34 0-67.9 0-101.9 0-28.5 0-57 0-85.4 0-20.4 0-40.7 0-61.1 0-9.5 0-18.9 0-28.4 0-1.7.1-3.4.2-5.2-.4 2.7-.7 5.3-1.1 8 .4-3.1 1.2-6.1 2.3-9.1-1 2.4-2 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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 .8-1.6s-.2-1.1-.7-1.5c-1.8-1.6-4.4-1.8-6.5-.6-3.4 2.1-7.6 3.5-12.2 4.6-.7.9-1.7 1.4-2.9 1.4-3.1 0-7 0-7 0\"><\/path><path d=\"m20.1 59.5-4.7 3.5-13.9-18.5 4.7-3.5c1.6-1.2 3.9-.9 5.1.7l9.5 12.7c1.3 1.6.9 3.9-.7 5.1z\"><\/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\tModal 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\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-264c373 e-con-full e-flex e-con e-child\" data-id=\"264c373\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80adb5a elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"80adb5a\" 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=\"OBJECT\" height=\"512\" viewbox=\"0 0 512 512\" width=\"512\"><path d=\"m146 200a7.5 7.5 0 0 0 0 15h220a7.5 7.5 0 0 0 0-15h-12.5v-97.46l8.95 4.82a7.5 7.5 0 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38.45 38.45 0 0 0 43.39 1.9l37-23.22c4 8.27 11.73 20.11 25.67 27.27 15.6 8 34.65 8.15 56.66.38l61.85 44.54a13.27 13.27 0 0 1 1.62 20.14zm61.35-52.26a2.42 2.42 0 0 1 -1.91 0 2.48 2.48 0 0 1 -1.34-1.36l-49.68-125.61a2.4 2.4 0 0 1 0-1.91 2.48 2.48 0 0 1 1.41-1.3l40.61-14.48 49 128.23z\"><\/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\tPenyusunan Semula Hutang\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\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-c4b50b3 e-con-full e-flex e-con e-child\" data-id=\"c4b50b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dafddea elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"dafddea\" 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\"><path d=\"m423.696 307.95-90.154 52.511c-4.52 2.632-9.116 4.491-13.913 5.6 1.777-2.851 3.17-6.075 4.126-9.645 4.608-17.201-5.615-35.16-23.275-40.885-.343-.111-.692-.199-1.047-.263-25.911-4.673-51.485-13.919-72.034-21.348-7.139-2.581-13.881-5.019-19.614-6.877-23.079-7.488-43.946 1.782-61.313 11.836l-67.074 38.834-6.324-11.174c-2.791-4.933-7.35-8.486-12.836-10.007-5.484-1.521-11.223-.821-16.156 1.971l-25.295 14.317c-4.934 2.792-8.488 7.35-10.009 12.836s-.82 11.224 1.972 16.156l74.367 131.402c2.791 4.932 7.35 8.486 12.836 10.007 1.897.526 3.824.786 5.738.786 3.62 0 7.191-.931 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1.395-2.592 1.253-5.741-.368-8.198l-39.604-60.001c-1.481-2.243-3.99-3.593-6.677-3.593s-5.196 1.35-6.677 3.593l-39.604 60.001c-1.621 2.457-1.763 5.606-.368 8.198 1.395 2.593 4.101 4.209 7.044 4.209zm39.605-53.479 24.738 37.479h-8.542c-4.418 0-8 3.582-8 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\tPengurusan Aliran Tunai Lebih Baik\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\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-0570d10 e-flex e-con-boxed e-con e-parent\" data-id=\"0570d10\" 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-85a5930 e-con-full e-flex e-con e-child\" data-id=\"85a5930\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe9dae1 elementor-widget elementor-widget-heading\" data-id=\"fe9dae1\" 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 Berkaitan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4998cb6 elementor-widget elementor-widget-text-editor\" data-id=\"4998cb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tSebelum memohon pembiayaan semula, semak Nisbah Khidmat Hutang (DSR) anda \u2014 antara angka utama yang dinilai oleh bank.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75e8c49 elementor-widget elementor-widget-mlpc_dsr\" data-id=\"75e8c49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mlpc_dsr.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-dsr-1\"\n\t\t\tclass=\"mlpc-calculator mlpc-calculator--dsr\"\n\t\t\tdata-mlpc-type=\"dsr\"\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-dsr\" data-mlpc-dsr-form novalidate action=\"\">\n\t\t\t<div class=\"mlpc-dsr__inputs\">\n\t\t\t\t<div class=\"mlpc-dsr__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-dsr-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-dsr-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-dsr-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-dsr-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<\/div>\n\n\t\t\t\t<section class=\"mlpc-dsr__commitments\" aria-labelledby=\"mlpc-dsr-1-commitments-title\">\n\t\t\t\t\t<h3 id=\"mlpc-dsr-1-commitments-title\">Existing Commitments<\/h3>\n\t\t\t\t\t<div class=\"mlpc-dsr__fields\">\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"credit_card\">\n\t\t\t<label for=\"mlpc-dsr-1-credit-card\">Credit card outstanding (RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-credit-card\" name=\"credit_card[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"credit_card\" aria-describedby=\"mlpc-dsr-1-credit-card-helper\">\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"credit_card\" aria-label=\"Add another Credit card outstanding (RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"credit_card\"><\/div>\n\t\t\t<p id=\"mlpc-dsr-1-credit-card-helper\" class=\"mlpc-calculator__helper\">5% of the balance is treated as a monthly commitment.<\/p>\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"personal_loan\">\n\t\t\t<label for=\"mlpc-dsr-1-personal-loan\">Personal loan (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-personal-loan\" name=\"personal_loan[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"personal_loan\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"personal_loan\" aria-label=\"Add another Personal loan (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"personal_loan\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"hire_purchase\">\n\t\t\t<label for=\"mlpc-dsr-1-hire-purchase\">Hire purchase (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-hire-purchase\" name=\"hire_purchase[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"hire_purchase\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"hire_purchase\" aria-label=\"Add another Hire purchase (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"hire_purchase\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"mortgage_loan\">\n\t\t\t<label for=\"mlpc-dsr-1-mortgage-loan\">Mortgage loan (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-mortgage-loan\" name=\"mortgage_loan[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"mortgage_loan\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"mortgage_loan\" aria-label=\"Add another Mortgage loan (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"mortgage_loan\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"education_loan\">\n\t\t\t<label for=\"mlpc-dsr-1-education-loan\">Education loan (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-education-loan\" name=\"education_loan[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"education_loan\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"education_loan\" aria-label=\"Add another Education loan (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"education_loan\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field mlpc-dsr__commitment-group\" data-mlpc-dsr-group=\"other_commitment\">\n\t\t\t<label for=\"mlpc-dsr-1-other-commitment\">Other commitment (monthly instalment, RM)<\/label>\n\t\t\t<div class=\"mlpc-dsr__commitment-row\">\n\t\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"mlpc-dsr-1-other-commitment\" name=\"other_commitment[]\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"0.00\" data-mlpc-money data-mlpc-dsr-commitment=\"other_commitment\" >\n\t\t\t\t<\/div>\n\t\t\t\t<button type=\"button\" class=\"mlpc-dsr__add\" data-mlpc-dsr-add=\"other_commitment\" aria-label=\"Add another Other commitment (monthly instalment, RM)\" title=\"Add another\">+<\/button>\n\t\t\t<\/div>\n\t\t\t<div class=\"mlpc-dsr__extra-rows\" data-mlpc-dsr-rows=\"other_commitment\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\n\t\t\t\t<section class=\"mlpc-dsr__proposed\" aria-labelledby=\"mlpc-dsr-1-proposed-title\">\n\t\t\t\t\t<h3 id=\"mlpc-dsr-1-proposed-title\">Proposed Financing<\/h3>\n\t\t\t\t\t<div class=\"mlpc-dsr__fields\">\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-dsr-1-proposed-loan\"\n\t\t\t\t\t\t\t>\n\t\t\t\tProposed new loan 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-dsr-1-proposed-loan\"\n\t\t\t\t\tname=\"proposed_loan\"\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-dsr-1-loan-tenure\">Loan tenure (years)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-dsr-1-loan-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\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-dsr-1-interest-rate\">Kadar keuntungan\/faedah (% setahun)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-dsr-1-interest-rate\"\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<\/div>\n\t\t\t\t<\/section>\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<div class=\"mlpc-dsr__actions\">\n\t\t\t\t\t<button type=\"submit\" class=\"mlpc-dsr__calculate\">Kira<\/button>\n\t\t\t\t\t<button type=\"reset\" class=\"mlpc-dsr__clear\">Clear<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<section class=\"mlpc-dsr__results\" aria-live=\"polite\" aria-atomic=\"true\">\n\t\t\t\t<span class=\"mlpc-dsr__eyebrow\">Estimated DSR<\/span>\n\t\t\t\t<output class=\"mlpc-dsr__percentage\" data-mlpc-dsr-percentage>--<\/output>\n\t\t\t\t<p class=\"mlpc-dsr__percentage-label\">Debt Service Ratio<\/p>\n\t\t\t\t<div class=\"mlpc-dsr__status\" data-mlpc-dsr-status-box data-status=\"empty\">\n\t\t\t\t\t<span>Approval Outlook<\/span>\n\t\t\t\t\t<strong data-mlpc-dsr-status>--<\/strong>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"mlpc-dsr__metrics\">\n\t\t\t\t\t<div><span>Proposed Monthly Instalment<\/span><strong data-mlpc-dsr-instalment>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Existing Commitments<\/span><strong data-mlpc-dsr-existing>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Monthly Commitments<\/span><strong data-mlpc-dsr-total>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Credit Card Commitment<\/span><strong data-mlpc-dsr-credit-card>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Interest<\/span><strong data-mlpc-dsr-interest>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Repayment<\/span><strong data-mlpc-dsr-repayment>--<\/strong><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"mlpc-dsr__note\">This estimate is indicative only. Banks and financing providers may use different income recognition, commitment calculations, DSR limits, rates and approval criteria.<\/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-03b6307 e-con-full e-flex e-con e-child\" data-id=\"03b6307\" 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-51d6bfc elementor-widget elementor-widget-heading\" data-id=\"51d6bfc\" 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\">Artikel Berkaitan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-368937a elementor-widget elementor-widget-text-editor\" data-id=\"368937a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tBaru mempertimbangkan pembiayaan semula? Mulakan di sini.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fca63dd elementor-widget elementor-widget-alrizq-latest-posts\" data-id=\"fca63dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"alrizq-latest-posts.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div\n\t\t\tid=\"abls-2\"\n\t\t\tclass=\"abls abls--compact abls--ratio-16-9 abls--context-latest\"\n\t\t\tstyle=\"--abls-desktop-columns:1;--abls-tablet-columns:1;--abls-mobile-columns:1;\"\n\t\t\tdata-abls-layout=\"compact\"\n\t\t\tdata-abls-autoplay=\"false\"\n\t\t\t\tdata-abls-delay=\"2000\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div id=\"abls-2-viewport\" class=\"abls__viewport\" data-abls-viewport>\n\t\t\t\t\t<div class=\"abls__track\" data-abls-track>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<article\n\t\t\tclass=\"abls-card\"\n\t\t\tdata-abls-card\n\t\t\t\t\t\t\t\t>\n\t\t\t<div class=\"abls-card__media\">\n\t\t\t\t<a href=\"https:\/\/alrizqmortgage.com\/ms\/2026\/08\/08\/ctos-report-what-you-need-to-know-before-applying-for-a-home-loan\/\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t<img loading=\"lazy\" width=\"150\" height=\"150\" src=\"https:\/\/alrizqmortgage.com\/wp-content\/uploads\/2026\/08\/blog-3-150x150.jpg\" class=\"abls-card__image\" alt=\"blog 3\" decoding=\"async\" sizes=\"auto, (max-width: 519px) 72px, 88px\" title=\"Carian Tanah di Malaysia: Mengapa Penting Sebelum Membeli Hartanah\" \/>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t<div class=\"abls-card__body\">\n\t\t\t\t\t\t\t\t<h3 class=\"abls-card__title\"><a href=\"https:\/\/alrizqmortgage.com\/ms\/2026\/08\/08\/ctos-report-what-you-need-to-know-before-applying-for-a-home-loan\/\">Laporan CTOS: Perkara yang Perlu Diketahui Sebelum Memohon Pembiayaan Rumah<\/a><\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"abls-card__meta\"><time datetime=\"2026-08-08T12:29:17+08:00\">8 Ogo 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Malaysia<\/a><\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"abls-card__meta\"><time datetime=\"2026-08-08T12:28:26+08:00\">8 Ogo 2026<\/time><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<article\n\t\t\tclass=\"abls-card\"\n\t\t\tdata-abls-card\n\t\t\t\t\t\t\t\t>\n\t\t\t<div class=\"abls-card__media\">\n\t\t\t\t<a href=\"https:\/\/alrizqmortgage.com\/ms\/2026\/08\/08\/land-search-in-malaysia-why-it-matters-before-you-buy-property\/\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t<img loading=\"lazy\" width=\"150\" height=\"150\" src=\"https:\/\/alrizqmortgage.com\/wp-content\/uploads\/2026\/08\/CTOS-blog-150x150.jpg\" class=\"abls-card__image\" alt=\"ctos blog\" decoding=\"async\" sizes=\"auto, (max-width: 519px) 72px, 88px\" title=\"Carian Tanah di Malaysia: Mengapa Penting Sebelum Membeli Hartanah\" \/>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t<div class=\"abls-card__body\">\n\t\t\t\t\t\t\t\t<h3 class=\"abls-card__title\"><a href=\"https:\/\/alrizqmortgage.com\/ms\/2026\/08\/08\/land-search-in-malaysia-why-it-matters-before-you-buy-property\/\">Carian Tanah di Malaysia: Mengapa Penting Sebelum Membeli Hartanah<\/a><\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"abls-card__meta\"><time datetime=\"2026-08-08T12:25:13+08:00\">8 Ogo 2026<\/time><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t<\/div>\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-31b4aab e-flex e-con-boxed e-con e-parent\" data-id=\"31b4aab\" 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-fcbc30d e-con-full e-flex e-con e-child\" data-id=\"fcbc30d\" 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-280b41b elementor-widget elementor-widget-heading\" data-id=\"280b41b\" 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\">Ketahui bagaimana ekuiti hartanah anda boleh dimanfaatkan.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba85b45 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"ba85b45\" 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>The property&#8217;s already yours. Make the financing work harder Refinancing isn&#8217;t only for lowering your rate. We help you use [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"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-1199","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1199","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=1199"}],"version-history":[{"count":31,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1199\/revisions"}],"predecessor-version":[{"id":1654,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1199\/revisions\/1654"}],"wp:attachment":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/media?parent=1199"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}