{"id":273,"date":"2025-10-16T17:21:07","date_gmt":"2025-10-16T09:21:07","guid":{"rendered":"https:\/\/redefinedmortgage.com\/?page_id=273"},"modified":"2025-11-15T14:00:41","modified_gmt":"2025-11-15T06:00:41","slug":"home-loan-calculator","status":"publish","type":"page","link":"https:\/\/redefinedmortgage.com\/ms\/home-loan-calculator\/","title":{"rendered":"Home Loan\u00a0Calculator"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"273\" class=\"elementor elementor-273\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e219cb6 pad-tb-s animated-slow e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"e219cb6\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9786512 elementor-widget elementor-widget-shortcode\" data-id=\"9786512\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t<div class=\"wp-loan-calculator-main-new wp-loan-mobile-view\" style=\"font-family :Noto Sans\">\n    <style type=\"text\/css\">\n        :root {\n            --calc-font-family-new-theme: font-family :Noto Sans;\n            --calc-background-color: #242c4c;\n            --calc-select-color: #404245 !important;\n            --calc-bg-light-color: #ecf5fe;\n            --calc-border-color: #000000 !important;\n            --calc-graph-color: #ebeeff !important;\n            --calc-graph-color-sub: #53597d;\n            --calc-graph-border-color: #1e73be;\n            --calc-graph-border-color-sub: #ffffff;\n            --calc-graph-balance-border-color: #b8204c;\n            --calc-graph-balance-point-background-color: #b8204c;\n            --calc-graph-extra-payment-graph-color: #00636b;\n             --calc-summary-chart-principal-fill-color: #ed8c2b;\n            --calc-summary-chart-interest-fill-color: #88a825;\n            --calc-summary-chart-balloon-payment-fill-color: #25649f;\n            --calc-summary-chart-down-payment-fill-color: #b8204c;\n            --calc-summary-chart-extra-payment-fill-color: #cf4a30;     \n        }\n    <\/style>\n    <div id=\"overlay\" style=\"display: none;\"><\/div>\n    <div id=\"loader\" style=\"display: none;\">\n      <div class=\"spinner\"><\/div>\n  <\/div>\n  <section class=\"heading-section\">\n    <div class=\"menu-sec-cls\">\n        <ul class=\"heading-sec-link\">\n                            <li>\n                    <a href=\"javascript:void(0);\" class=\"print-table\"><i class=\"fa fa-print\" aria-hidden=\"true\"><\/i>Cetak<\/a>\n                <\/li>\n                                <\/ul>\n    <\/div>\n    <div class=\"about-this-calculator-popup\" style=\"display: none;\">\n        <div class=\"about-this-calculator-popup-body\">\n            <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.about-this-calculator-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">\u2715<\/a>\n                        <div class=\"calculator-content\"><h1>Maklumat Kalkulator<\/h1>\r\n<p>Kalkulator Kewangan Peralatan mengira jenis pembayaran balik yang diperlukan, pada kekerapan yang diminta, berkenaan dengan parameter pinjaman yang dimasukkan, iaitu jumlah, tempoh dan kadar faedah. Produk yang dipilih menentukan kadar faedah lalai untuk produk pinjaman peribadi. Kalkulator Kewangan Peralatan juga mengira masa yang disimpan untuk membayar pinjaman dan jumlah faedah yang disimpan berdasarkan input tambahan daripada pelanggan. Ini adalah jika bayaran balik dinaikkan dengan jumlah caruman tambahan yang dimasukkan setiap tempoh pembayaran balik. Ciri ini hanya didayakan untuk produk yang menyokong pembayaran balik tambahan. Pengiraan dibuat pada kekerapan pembayaran yang dimasukkan, berkenaan dengan parameter pinjaman asal yang dimasukkan, iaitu jumlah, kadar faedah tahunan dan tempoh dalam tahun.<\/p>\r\n<h1>Andaian Kalkulator<\/h1>\r\n<h3>Panjang Bulan<\/h3>\r\n<p>Semua bulan diandaikan sama panjang. Pada hakikatnya, banyak pinjaman terakru setiap hari yang membawa kepada bilangan hari faedah yang berbeza-beza bergantung pada bilangan hari dalam bulan tertentu.<\/p>\r\n<h3>Bilangan Minggu atau Dua Minggu dalam Setahun<\/h3>\r\n<p>Satu tahun diandaikan mengandungi tepat 52 minggu atau 26 dua minggu. Ini secara tersirat mengandaikan bahawa setahun mempunyai 364 hari dan bukannya 365 atau 366 hari sebenar.<\/p>\r\n<h3>Pembundaran Amaun Setiap Bayaran Balik<\/h3>\r\n<p>Dalam amalan, pembayaran balik dibundarkan kepada sekurang-kurangnya sen yang lebih hampir. Walau bagaimanapun kalkulator menggunakan pembayaran balik tidak bulat untuk memperoleh jumlah faedah yang perlu dibayar pada titik sepanjang graf dan secara keseluruhan sepanjang tempoh penuh pinjaman. Andaian ini membolehkan graf yang lancar dan jumlah pembayaran balik yang sama. Ambil perhatian bahawa pembayaran balik terakhir selepas peningkatan jumlah pembayaran balik.<\/p>\r\n<h3>Pembundaran Masa Dijimatkan<\/h3>\r\n<p>Masa yang disimpan dibentangkan sebagai beberapa tahun dan bulan, dua minggu atau minggu, berdasarkan kekerapan pembayaran yang dipilih. Ia menganggap potensi pembayaran balik separa terakhir apabila mengira simpanan.<\/p>\r\n<h3>Jumlah Faedah Disimpan<\/h3>\r\n<p>Jumlah ini hanya boleh dianggarkan daripada jumlah masa yang disimpan dan berdasarkan butiran pinjaman asal.<\/p>\r\n<h3>Penafian Kalkulator<\/h3>\r\n<p>Keputusan daripada kalkulator ini hendaklah digunakan sebagai petunjuk sahaja. Keputusan tidak mewakili sama ada sebut harga atau pra-kelayakan untuk produk. Institusi individu menggunakan formula yang berbeza. Maklumat seperti kadar faedah yang disebut dan angka lalai yang digunakan dalam andaian adalah tertakluk kepada perubahan.<\/p><\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<section id=\"main-sec\" class=\"new-theme-template-section\" style=\"font-family :Noto Sans\">\n    <section class=\"calculator-heading-section calculator-heading-block\">\n        <div class=\"calculator-child-heading\">\n            <h2>\n                <center><strong>Kalkulator Pinjaman Rumah<\/strong>\n                <\/center>\n            <\/h2>\n        <\/div>\n    <\/section>\n\n    <section class=\"loan-option-text-info main-container-new-theme\">\n        <div class=\"custom-container loan-option-text-info-section-left-content\">\n            <div class=\"custom-container loan-option-text-info-section\">\n                <div class=\"loan-option-text-info-block\">\n                    <div class=\"first-col\">\n                        <div class=\"first-row-sub-child\">\n                            <div class=\"loan-text-dis-new-theme-block\">\n                                <div class=\"loan-new-theme-inner-block\">\n                                    <label for=\"loan_amt\" class=\"loan-text\">Jumlah Pinjaman <i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"1\"><\/i><span class=\"text-tooltip-disp\">Sila masukkan jumlah pinjaman anda di sini.<\/span><\/label>\n                                    <div class=\"loan-new-theme-range-slider\">\n                                        <input type=\"range\" min=\"1000\" max=\"30000000\" value=\"500000\" class=\"slider remove-cal-range-sliders\" id=\"loan_amount_range\" tabindex=\"3\" >\n                                    <\/div>\n                                <\/div>\n                                <div class=\"col-columns-20\">\n                                    <div class=\"input-container\">\n                                        <span class=\"extra-info\">RM<\/span>\n                                        <input type=\"text\" class=\"loan-right-input\" name=\"loan_amount\" id=\"loan_amount\" value=\"\" tabindex=\"2\" oninput=\"validateInputLoanRate(this)\" onkeydown=\"return onlyNos(event,'loan_amount')\">\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"forth-row-sub-child\">\n                            <div class=\"loan-text-dis-new-theme-block\">\n                                <div class=\"loan-new-theme-inner-block\">\n                                    <label for=\"loan_terms\" class=\"loan-text\">No. of Payments <i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"4\"><\/i><span class=\"text-tooltip-disp\">Sila masukkan bilangan tahun di mana anda merancang untuk membayar balik pinjaman.<\/span><\/label>\n                                    <div class=\"loan-new-theme-range-slider\">\n                                        <input type=\"range\" min=\"12\" max=\"480\" value=\"420\" class=\"slider remove-cal-range-sliders\" id=\"loan_terms_range\" tabindex=\"6\" step=\"1\">\n                                        <input type=\"hidden\" name=\"default_value\" value=\"420\">\n                                        <input type=\"hidden\" name=\"min_value\" value=\"12\">\n                                        <input type=\"hidden\" name=\"max_value\" value=\"480\">\n                                        <input type=\"hidden\" name=\"current_repayment_freq\" value=\"\">\n                                    <\/div>\n                                <\/div>\n                                <div class=\"col-columns-20\">\n                                    <div class=\"input-container-loan-terms\">\n\n                                        <input type=\"text\" class=\"loan-right-input\" name=\"loan_terms\" id=\"loan_terms\" value=\"\" tabindex=\"5\" onkeydown=\"return onlyNos(event,'loan_terms')\" maxlength=\"5\" autocomplete=\"off\" \/>\n                                    <\/div>\n                                <\/div>\n\n                            <\/div>\n                        <\/div>\n                        <!-- Repayment Frequency options -->\n                        <div class=\"sixth-row-sub-child\">\n                            <div class=\"first-row-main-child\">\n                                <div class=\"loan-new-theme-inner-block loan-btn-display-value\">\n                                    <div class=\"loan-new-theme-inner-block\">\n                                        <label for=\"loan_terms\" class=\"loan-text\">Repayment Frequency<\/label>\n\n                                        \n                                    <\/div>\n                                    <div class=\"col-columns-20\">\n\n                                        <div class=\"input-container\">\n                                                                                        <style type=\"text\/css\"> \n                                            .site-wrap-repayment-freq-section:after {background-image: url(https:\/\/redefinedmortgage.com\/wp-content\/plugins\/loan-calculator-wp\/includes\/images\/down-arrow.svg); } \n                                            .site-wrap-repayment-freq-section.single-val-option-main:after {background-image: none; }\n                                            <\/style>\n                                                                                            <div class=\"site-wrap-repayment-freq-section\">\n                                                    <select name=\"repayment_freq\" id=\"repayment_freq\" class=\"payment-opt-drop\">\n                                                                                                                    <option value=\"Monthly\" selected>Monthly<\/option>\n                                                                                                                        <option value=\"Yearly\" >Yearly<\/option>\n                                                                                                                <\/select>\n                                                <\/div>\n                                                                                        <!-- <span class=\"select-arrow-main\"><span class=\"select-arrow-wrap\">\u276e<\/span><\/span> -->\n                                            <input type=\"hidden\" name=\"default_value\" value=\"420\">\n                                            <input type=\"hidden\" name=\"min_value\" value=\"12\">\n                                            <input type=\"hidden\" name=\"max_value\" value=\"480\">\n                                            <input type=\"hidden\" name=\"current_repayment_freq\" value=\"\">\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                        <!-- End Repayment Frequency options -->\n                                                    <div class=\"second-row-sub-child\">\n                                <div class=\"loan-text-dis-new-theme-block\">\n                                    <div class=\"loan-new-theme-inner-block\">\n                                        <label for=\"loan_amt\" class=\"loan-text\">Interest Rate <i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">Kadar faedah akan lalai kepada produk yang anda pilih. Anda juga boleh menukar kadar naik atau turun untuk memahami kesan ke atas pembayaran balik anda dan jumlah faedah yang perlu dibayar.<\/span><\/label>\n                                        <div class=\"loan-new-theme-range-slider\">\n                                            <input type=\"range\" min=\"1\" max=\"15.00\" value=\"4.5\" class=\"slider  remove-cal-range-sliders\" id=\"interest_rate_range\" tabindex=\"10\" step=\"0.01\">\n                                        <\/div>\n                                    <\/div>\n                                    <div class=\"col-columns-20\">\n                                        <div class=\"input-container\">\n                                            <input type=\"text\" class=\"loan-right-input\" name=\"interest_rates\" id=\"interest_rates\" value=\"\" tabindex=\"9\" autocomplete=\"off\"  \/>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                                            <div class=\"second-row-sub-child\">\n\n                                <div class=\"loan-text-dis\">\n                                    <input type=\"hidden\" name=\"ballon_amounts\" id=\"ballon_amounts\" value=\"\" tabindex=\"11\" onkeydown=\"return onlyNos(event,'ballon_amounts')\" \/>\n\n                                    <input type=\"hidden\" name=\"ballon_amounts_per\" id=\"ballon_amounts_per\" value=\"0\" tabindex=\"12\" min=\"0\" max=\"0\" \/>\n                                <\/div>\n                                <input type=\"hidden\" id=\"ballon_amount_range\" min=\"0\" max=\"0\" tabindex=\"13\" step=\"1\" value=\"0\">\n                            <\/div>\n                                                                                        <div class=\"sixth-row-sub-child\" style=\"display:none;\">\n                        <div class=\"first-row-main-child\">\n                            <div class=\"loan-new-theme-inner-block loan-btn-display-value\">\n                                <div class=\"loan-new-theme-inner-block\">\n                                    <label for=\"loan_amt\" class=\"loan-text\">Payment Mode <i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">Sila pilih cara pembayaran pinjaman.<\/span><\/label>\n                                <\/div>\n\n                                <div class=\"col-columns-20\">\n\n                                    <div class=\"input-container\">\n                                                                                <style type=\"text\/css\"> .site-wrap-payment-mode-section:after {background-image: url(https:\/\/redefinedmortgage.com\/wp-content\/plugins\/loan-calculator-wp\/includes\/images\/down-arrow.svg); } <\/style>\n                                                                                    <div class=\"first-row-main-child site-wrap-payment-mode-section\">\n\n                                                <select name=\"payment_type\" id=\"payment_type\" class=\"payment-opt-drop\">\n                                                    <option  value=\"In Advance\">In Advance<\/option>\n                                                    <option selected value=\"In Arrears\">In Arrears<\/option>\n                                                <\/select>\n                                            <\/div>\n                                                                                <!-- <span class=\"select-arrow-main\"><span class=\"select-arrow-wrap\">\u276e<\/span><\/span> -->\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    \n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n        <div class=\"loan-detail-section-right-content\">\n        <div class=\"loan-detail-section\">\n            <div class=\"loan-detail-section-child\">\n                <div class=\"sub-main-tab\">\n                    <div class=\"container\">\n                        <div class=\"tabs\">\n                                                            <style type=\"text\/css\">\n                                    label.tab2_icon {\n                                        margin-left: 10px !important;\n                                    }\n\n                                    label.tab3_icon {\n                                        border-top-right-radius: 16px !important;\n                                        border-bottom-right-radius: 16px !important;\n                                        border-top-left-radius: unset !important;\n                                        border-bottom-left-radius: unset !important;\n                                    }\n\n                                    label.tab2_icon {\n                                        border-radius: 16px !important;\n                                    }\n\n                                    label.tab1_icon {\n                                        border-radius: 16px 0px 0px 16px !important;\n                                    }\n                                <\/style>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab1\" checked>\n                                <label for=\"tab1\" class=\"tab1_icon\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/redefinedmortgage.com\/wp-content\/plugins\/loan-calculator-wp\/\/includes\/images\/group-4.png\">\n                                        <span class=\"tooltip-disp\">Carta Pembayaran Balik<\/span>\n                                                                    <\/label>\n                                                                <style type=\"text\/css\">\n                                    label.tab2_icon {\n                                        border-top-left-radius: 16px !important;\n                                        border-bottom-left-radius: 16px !important;\n                                    }\n\n                                    label.tab1_icon {\n                                        border-radius: 16px 0px 0px 16px !important;\n                                    }\n                                <\/style>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab3\" >\n                                <label for=\"tab3\" class=\"tab3_icon\">\n                                                                            <!-- <i class=\"fa fa-tasks\"><\/i> -->\n                                        <img decoding=\"async\" src=\"https:\/\/redefinedmortgage.com\/wp-content\/plugins\/loan-calculator-wp\/\/includes\/images\/group-5.png\">\n                                        <span class=\"tooltip-disp\">Jadual Pelunasan Pinjaman<\/span>\n                                                                    <\/label>\n                                                            \n                            <div id=\"tab-content1\" class=\"tab-content\">\n                                <canvas id=\"loan-process-graph\" width=\"350\" height=\"250\"><\/canvas>\n                                                                <div id=\"chart-note\" class=\"chart-note\"><p>**Nota: Untuk melebihi 120 no. daripada pembayaran, sekumpulan 12 pembayaran akan digabungkan menjadi satu nombor pembayaran untuk keterlihatan carta yang lebih baik.<\/p><\/div>\n                            <\/div>\n                            <div id=\"tab-content2\" class=\"tab-content\">\n                                                            <\/div>\n                            <div id=\"tab-content3\" class=\"tab-content\">\n                                <table id=\"loan-process-tbl\">\n                                    <thead>\n                                        <tr>\n                                            <th>Period<\/th>\n                                            <th>Payment<\/th>\n                                                                                        <th>Interest<\/th>\n                                            <th>Balance<\/th>\n                                        <\/tr>\n                                    <\/thead>\n                                    <tbody id=\"loan_table_data\">\n                                    <\/tbody>\n                                <\/table>\n                            <\/div>\n                        <\/div>                         \n                    <\/div>\n                <\/div>\n            <\/div>\n\n\n        <\/div>\n    <\/div>\n<\/section>\n<section class=\"loan-option-text-info main-container-new-theme second-section-new-theme\">\n    <div class=\"custom-container loan-option-text-info-section-left-content\">\n        <div class=\"custom-container loan-option-text-info-section\">\n            <div class=\"loan-option-text-info-block\">\n                <div class=\"first-col\">\n                                    <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n        <div class=\"loan-detail-section-right-content\">\n        <div class=\"loan-detail-section\">\n\n            <div class=\"container loan-detail-section-child-container\">\n                <div class=\"loan-detail-section-child  page-break\">\n                    <div class=\"loan-detail-cal-desc\">\n                        <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading main-heading\">\n                                <label id=\"regular_repayment_heading\"><strong>{frequency} Pembayaran<\/strong><\/label>\n                            <\/div>\n                            <div class=\"loan-cal-desc-val\">\n                                <label><span><small>RM<\/small><span id=\"per_month_amount\"><\/span><\/span> <strong id=\"loan_amount_term_label\"><\/strong><span id=\"loan_amount_year\"><\/span> <\/span><\/label>\n                            <\/div>\n\n                        <\/div>\n                                                <span id=\"total_interests_amt_hidden\"><\/span>\n                        <div class=\"loan-cal-desc\" id=\"ballon_amt_section\">\n                            <div class=\"loan-cal-desc-heading\">\n                                <label><span>Jumlah belon (<span id=\"bill_ballon_per\">0.00<\/span>%)<\/span><\/label>\n                            <\/div>\n                            <div class=\"loan-cal-desc-val\">\n                                <label><small>RM<\/small><strong><span id=\"bill_ballon_amt\">0.00<\/span><\/strong><\/label>\n                            <\/div>\n                        <\/div> \n                          \n\n                                                <\/div>\n\n                          \n\n                    <\/div>                     \n                <\/div>\n                                        <\/div>\n    <\/section>\n\n    <div class=\"contact-us-popup\" style=\"display:none;\">\n        <div class=\"contact-us-popup-body\">\n            <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.contact-us-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">X<\/a>\n                    <\/div>\n    <\/div>\n<\/section>\n<\/div>\n<\/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-4a4d9d0 pad-tb-m e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"4a4d9d0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ce108 elementor-widget elementor-widget-heading\" data-id=\"d0ce108\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bersedia untuk mengetahui lebih lanjut secara terperinci?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a2c7b elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b3a2c7b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:150}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dapatkan konsultasi percuma sekarang.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2636ab elementor-align-center elementor-mobile-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"c2636ab\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/redefinedmortgage.com\/ms\/contact\/#lead\">\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-location-arrow\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M444.52 3.52L28.74 195.42c-47.97 22.39-31.98 92.75 19.19 92.75h175.91v175.91c0 51.17 70.36 67.17 92.75 19.19l191.9-415.78c15.99-38.39-25.59-79.97-63.97-63.97z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Isi borang<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\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<div class=\"elementor-element elementor-element-352c838 pad-tb-m e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"352c838\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3f8e62 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"e3f8e62\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\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<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewbox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg><\/div>\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<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3ec5c2 elementor-widget elementor-widget-heading\" data-id=\"a3ec5c2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\ud83c\udfe0 Gadai Janji Peribadi<br>Kadar Faedah Pinjaman Rumah (Berasaskan SBR)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71c3547 elementor-widget elementor-widget-heading\" data-id=\"71c3547\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Berkuatkuasa Julai 2025 | SBR semasa = 2.75 %<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-634dfcb elementor-widget elementor-widget-text-editor\" data-id=\"634dfcb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table width=\"1014\"><tbody><tr><td width=\"39\">Tidak<\/td><td width=\"279\">Nama Bank<\/td><td width=\"161\">Spread Bank (pa)<\/td><td width=\"198\">Anggaran Kadar Berkesan<\/td><td width=\"337\">Teguran<\/td><\/tr><tr><td>1<\/td><td>Hong Leong Bank (HLB)<\/td><td>SBR + 0.85 ~ 1.30 %<\/td><td>3.60 % ~ 4.05 %<\/td><td>Berdaya saing; terbaik untuk pelanggan kredit gaji<\/td><\/tr><tr><td>2<\/td><td>Bank CIMB<\/td><td>SBR + 1.50 %<\/td><td>4.25 %<\/td><td>Kadar standard untuk kebanyakan gadai janji baharu<\/td><\/tr><tr><td>3<\/td><td>UOB Malaysia<\/td><td>SBR + 0.95 ~ 1.55 %<\/td><td>3.70 % ~ 4.30 %<\/td><td>Kuat untuk peminjam berpendapatan tinggi<\/td><\/tr><tr><td>4<\/td><td>Affin Bank<\/td><td>SBR + 1.05 ~ 1.65 %<\/td><td>3.80 % ~ 4.40 %<\/td><td>Sebaran sederhana<\/td><\/tr><tr><td>5<\/td><td>Alliance Bank<\/td><td>SBR + 1.05 ~ 1.65 %<\/td><td>3.80 % ~ 4.40 %<\/td><td>Popular untuk pembiayaan semula<\/td><\/tr><tr><td>6<\/td><td>AmBank<\/td><td>SBR + 1.05 ~ 1.75 %<\/td><td>3.80 % ~ 4.50 %<\/td><td>Kriteria mesra perniagaan<\/td><\/tr><tr><td>7<\/td><td>Maybank<\/td><td>SBR + 0.85 ~ 1.55 %<\/td><td>3.60 % ~ 4.30 %<\/td><td>Julat pakej yang luas<\/td><\/tr><tr><td>8<\/td><td>Public Bank<\/td><td>SBR + 0.85 ~ 1.55 %<\/td><td>3.60 % ~ 4.30 %<\/td><td>Kuat untuk profil berisiko rendah<\/td><\/tr><tr><td>9<\/td><td>RHB Bank<\/td><td>SBR + 0.85 ~ 1.55 %<\/td><td>3.60 % ~ 4.30 %<\/td><td>Pilihan tempoh yang fleksibel<\/td><\/tr><tr><td>10<\/td><td>OCBC Bank (Malaysia)<\/td><td>SBR + 1.00 ~ 1.75 %<\/td><td>3.75 % ~ 4.50 %<\/td><td>Diutamakan untuk pelanggan ekspatriat<\/td><\/tr><tr><td>11<\/td><td>Bank Muamalat<\/td><td>SBR + 1.05 ~ 1.85 %<\/td><td>3.80 % ~ 4.60 %<\/td><td>pembiayaan Islam<\/td><\/tr><tr><td>12<\/td><td>Bank Islam<\/td><td>SBR + 1.05 ~ 1.85 %<\/td><td>3.80 % ~ 4.60 %<\/td><td>Produk Syariah yang popular<\/td><\/tr><tr><td>13<\/td><td>Bank Simpanan Nasional (BSN)<\/td><td>SBR + 1.00 ~ 1.85 %<\/td><td>3.75 % ~ 4.60 %<\/td><td>Untuk kakitangan kerajaan<\/td><\/tr><tr><td>14<\/td><td>Kuwait Finance House (KFH Malaysia)<\/td><td>SBR + 1.05 ~ 1.85 %<\/td><td>3.80 % ~ 4.60 %<\/td><td>segmen premium Islamik<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c49c0cb elementor-widget elementor-widget-text-editor\" data-id=\"c49c0cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Untuk jumlah pinjaman di bawah RM300K \u2192 Anggaran: SBR + 1.85 % (~4.60 % atau ke atas)<br \/>Piawaian Pinjaman SJKP: SBR + 1.85 % ~ 2.00 % (\u2248 4.60 % ~ 4.75 % setahun)<br \/>* Kadar akhir tertakluk kepada profil pendapatan pelanggan dan skor kredit*<\/p>\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-acc281a pad-tb-m e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"acc281a\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1f19c5 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"f1f19c5\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\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<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-briefcase\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M320 336c0 8.84-7.16 16-16 16h-96c-8.84 0-16-7.16-16-16v-48H0v144c0 25.6 22.4 48 48 48h416c25.6 0 48-22.4 48-48V288H320v48zm144-208h-80V80c0-25.6-22.4-48-48-48H176c-25.6 0-48 22.4-48 48v48H48c-25.6 0-48 22.4-48 48v80h512v-80c0-25.6-22.4-48-48-48zm-144 0H192V96h128v32z\"><\/path><\/svg><\/div>\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<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48b6ea2 elementor-widget elementor-widget-heading\" data-id=\"48b6ea2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\ud83c\udfe2 SME \/ Sdn Bhd<br>Kadar Pinjaman Hartanah (Berasaskan BLR\/BFR)\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9c4bc8 elementor-widget elementor-widget-heading\" data-id=\"f9c4bc8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Berkuatkuasa Julai 2025 | Berdasarkan Kadar Lembaga yang Diterbitkan<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58241dd elementor-widget elementor-widget-text-editor\" data-id=\"58241dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table width=\"889\"><tbody><tr><td width=\"60\">Tidak<\/td><td width=\"279\">Nama Bank<\/td><td width=\"308\">Kadar Pinjaman Asas \/ Pembiayaan (BLR\/BFR)<\/td><td width=\"242\">Teguran<\/td><\/tr><tr><td>1<\/td><td>Hong Leong Bank (HLB)<\/td><td>6.64 %<\/td><td>Kadar lembaga diterbitkan pada Julai 2025<\/td><\/tr><tr><td>2<\/td><td>Bank CIMB<\/td><td>6.60 %<\/td><td>Semakan selepas OPR<\/td><\/tr><tr><td>3<\/td><td>UOB Malaysia<\/td><td>6.57 %<\/td><td>Kadar rasmi 11 Jul 2025<\/td><\/tr><tr><td>4<\/td><td>Affin Bank<\/td><td>6.56 %<\/td><td>Kadar komersial standard<\/td><\/tr><tr><td>5<\/td><td>Alliance Bank<\/td><td>6.42 %<\/td><td>Kadar Lembaga Pengarah Jun 2025<\/td><\/tr><tr><td>6<\/td><td>AmBank<\/td><td>6.45 %<\/td><td>Dikemas kini 2025<\/td><\/tr><tr><td>7<\/td><td>Maybank<\/td><td>6.40 %<\/td><td>Laman rasmi Maybank2u<\/td><\/tr><tr><td>8<\/td><td>Public Bank<\/td><td>6.47 %<\/td><td>Jadual BLR Public Bank<\/td><\/tr><tr><td>9<\/td><td>RHB Bank<\/td><td>6.45 %<\/td><td>Kadar rasmi RHB<\/td><\/tr><tr><td>10<\/td><td>OCBC Bank Malaysia<\/td><td>6.51 %<\/td><td>Halaman pinjaman perniagaan OCBC<\/td><\/tr><tr><td>11<\/td><td>Bank Muamalat (BFR)<\/td><td>6.56 %<\/td><td>setaraf Islam<\/td><\/tr><tr><td>12<\/td><td>Bank Islam (BFR)<\/td><td>6.47 %<\/td><td>setaraf Islam<\/td><\/tr><tr><td>13<\/td><td>Bank Simpanan Nasional (BSN)<\/td><td>6.35 %<\/td><td>Terendah di kalangan bank tempatan<\/td><\/tr><tr><td>14<\/td><td>Kuwait Finance House (KFH Malaysia)<\/td><td>7.14 %<\/td><td>Kadar BFR Islam peringkat tinggi<\/td><\/tr><\/tbody><\/table>\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>Ready to learn more in detail? Get a free consultation now. Fill up the form \ud83c\udfe0 Personal MortgageHome Loan Interest Rates (SBR-Based) Effective July 2025 | Current SBR = 2.75 % No Bank Name Bank Spread (p.a.) Estimated Effective Rate Remarks 1 Hong Leong Bank (HLB) SBR + 0.85 ~ 1.30 % 3.60 % ~ [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"class_list":["post-273","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/redefinedmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/273","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/redefinedmortgage.com\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/redefinedmortgage.com\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/redefinedmortgage.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/redefinedmortgage.com\/ms\/wp-json\/wp\/v2\/comments?post=273"}],"version-history":[{"count":24,"href":"https:\/\/redefinedmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/273\/revisions"}],"predecessor-version":[{"id":334,"href":"https:\/\/redefinedmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/273\/revisions\/334"}],"wp:attachment":[{"href":"https:\/\/redefinedmortgage.com\/ms\/wp-json\/wp\/v2\/media?parent=273"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}