{"id":1875,"date":"2023-05-05T09:43:57","date_gmt":"2023-05-05T09:43:57","guid":{"rendered":"https:\/\/xanderia.com\/?page_id=1875"},"modified":"2023-10-31T04:37:43","modified_gmt":"2023-10-31T04:37:43","slug":"faq","status":"publish","type":"page","link":"https:\/\/xanderia.com\/my\/faq\/","title":{"rendered":"Soalan-soalan Lazim (FAQ)"},"content":{"rendered":"

PEMBIAYAAN PERIBADI ISLAMIK FAQ<\/h2>
<\/div><\/div><\/div>\n
    \n
  1. <\/b>Apakah pinjaman peribadi?<\/b><\/li>\n<\/ol>\n

    Pinjaman peribadi, juga dikenali sebagai pinjaman tunai atau pembiayaan tunai, ialah produk pembiayaan yang disediakan oleh bank atau institusi kewangan kepada individu.\u00a0<\/span><\/p>\n

      \n
    1. <\/b>Apakah itu Pembiayaan Peribadi Patuh Syariah (Islamic Personal Financing)?<\/b><\/li>\n<\/ol>\n

      Pembiayaan Peribadi Patuh Syariah, juga dikenali sebagai Pembiayaan Peribadi Islamik, adalah pembiayaan tunai yang biasanya disediakan oleh institusi kewangan Islam atau Bank Islam. Pembiayaan ini disusun berdasarkan prinsip kewangan Islam seperti pembiayaan Tawaruq atau Murabahah komoditi, yang mengecualikan caj atau pembayaran faedah dalam urus niaga. Sebaliknya, pemberi pinjaman dan peminjam memasuki perjanjian jual beli, di mana pemberi pinjaman membeli aset dan menjual kepada peminjam pada harga berasama kenuntungan, yang dipersetujui terlebih dahulu.\u00a0<\/span><\/p>\n

        \n
      1. <\/b>Apakah perbezaan antara pinjaman peribadi dan Pembiayaan Peribadi Patuh Syariah (Pembiayaan Peribadi Islam)?<\/b><\/li>\n<\/ol>\n

        Perbezaan utama antara pinjaman peribadi dan Pembiayaan Peribadi Patuh Syariah ialah bagaimana ia distrukturkan. Pinjaman peribadi adalah berdasarkan konsep pinjaman dengan caj dan membayar faedah, manakala Pembiayaan Peribadi Patuh Syariah adalah berdasarkan prinsip kewangan Islam dan berstruktur sama ada menggunakan kontrak pertukaran atau penyertaan yang tidak termasuk caj atau pembayaran faedah. Ini selaras dengan larangan Syariah terhadap transaksi berasaskan faedah. Selain itu, terma dan syarat Pembiayaan Peribadi Patuh Syariah mungkin berbeza daripada pinjaman peribadi, kerana ia adalah berdasarkan perjanjian jual beli atau perjanjian penyertaan mengikut mana-mana yang berkenaan.\u00a0<\/span><\/p>\n

          \n
        1. <\/b>Bolehkah sesiapa memohon Pembiayaan Peribadi Patuh Syariah (Pembiayaan Peribadi Islam)?<\/b><\/li>\n<\/ol>\n

          Pembiayaan Peribadi Patuh Syariah tersedia kepada sesiapa sahaja yang memenuhi kriteria kelayakan yang ditetapkan oleh institusi kewangan Islam. Kriteria kelayakan mungkin berbeza dari institusi ke institusi, tetapi secara amnya termasuk pendapatan, kelayakan kredit dan umur.<\/span><\/p>\n

            \n
          1. <\/b>Apakah yang berlaku jika saya gagal membayar Pembiayaan Peribadi Patuh Syariah saya?\u00a0<\/b><\/li>\n<\/ol>\n

            Jika anda gagal membayar Pembiayaan Peribadi Patuh Syariah anda, institusi kewangan Islam boleh mengambil tindakan undang-undang untuk mendapatkan semula jumlah yang terhutang. Institusi boleh mengenakan bayaran penalti untuk pembayaran lewat.<\/span><\/p>\n

              \n
            1. <\/b>Bolehkah saya membayar Pembiayaan Peribadi Patuh Syariah saya lebih awal?<\/b><\/li>\n<\/ol>\n

              Anda boleh membayar Pembiayaan Peribadi Patuh Syariah anda lebih awal. Walau bagaimanapun, anda mungkin dikenakan yuran penyelesaian awal, biasanya peratusan daripada baki tertunggak. Caj prabayaran bertujuan untuk membayar pampasan kepada institusi kewangan Islam atas kehilangan keuntungan yang akan diperolehi sekiranya pembiayaan telah dibayar balik dalam tempoh yang dipersetujui. Kedua-dua bayaran untuk penyelesaian awal dan pembayaran lewat atau kemungkiran mesti disalurkan kepada badan kebajikan selepas ditolak kos operasi langsung.<\/span><\/p>\n

                \n
              1. <\/b>Siapakah yang layak untuk produk pembiayaan Syariah peribadi Xanderia?<\/b><\/li>\n<\/ol>\n

                Untuk layak mendapat produk pembiayaan Syariah peribadi Xanderia, pemohon mestilah penjawat awam tetap, mesti mempunyai gaji minimum RM1,500, dan Nisbah Khidmat Hutang kurang daripada 60%. Mereka juga mesti menyediakan dokumen yang lengkap untuk pengesahan.\u00a0<\/span><\/p>\n

                  \n
                1. <\/b>Berapakah jumlah pembiayaan yang boleh saya perolehi daripada Xanderia?<\/b><\/li>\n<\/ol>\n

                  Produk pembiayaan Syariah peribadi Xanderia menawarkan pembiayaan bermula daripada RM1,000 hingga RM200,000, dengan tempoh 1 hingga 10 tahun. Jumlah sebenar dan tempoh pembiayaan akan bergantung kepada pelbagai faktor, termasuk pendapatan pemohon, sejarah kredit dan keadaan kewangan.<\/span><\/p>\n

                  9. What are the different types of personal loans in Malaysia?<\/strong><\/p>\n

                  \u25cf Term Loans: These are standard personal loans where you borrow a fixed amount\u00a0 of money and repay it over a predetermined period with fixed monthly installments.
                  \n\u25cf Islamic Personal Financing: Islamic banks in Malaysia offer Sharia-compliant personal financing ,which follows Islamic principles. Instead of interest, the bank earns a profit from the sale and
                  \npurchase of goods.
                  \n\u25cf Flexible Loans: These loans provide a degree of flexibility in repayment schedules and loan amounts, allowing you to adjust your repayments based on your financial situation.
                  \n\u25cf Overdraft Loans: Similar to a line of credit, an overdraft loan allows you to withdraw more money than your account balance. Interest is charged on the overdrawn amount until it’s repaid.
                  \n\u25cf Debt Consolidation Loans: These loans allow you to combine multiple debts into a single loan with a potentially lower interest rate, making it more manageable to repay your debts.
                  \n\u25cf Personal Line of Credit: This functions like a credit card, giving you access to a set credit limit that you can borrow and repay as needed. Interest is charged only on the amount you borrow.
                  \n\u25cf Salary Advance Loans: Offered by some employers, these loans allow employees to access a portion of their upcoming salary in advance. Repayment is usually deducted from the next
                  \npaycheck.
                  \n\u25cf Government Servant Loans: Special personal loans available exclusively to government employees, often featuring lower interest rates and longer repayment periods.
                  \n\u25cf Medical Loans: These loans are designed to cover medical expenses and may offer special terms for healthcare-related costs.
                  \n\u25cf Education Loans: Personal loans intended to finance education-related expenses, such as tuition fees, books, and living costs while studying.
                  \n\u25cf Wedding Loans: Loans specifically for covering wedding expenses, including venue, catering, and other related costs.
                  \n\u25cf Renovation Loans: Designed to fund home renovation and improvement projects, allowing you to upgrade your living space.
                  \n\u25cf Emergency Loans: These loans provide quick access to funds for unexpected situations, such as medical emergencies or urgent repairs.<\/p>\n

                  10. What is the age requirement to apply for personal loans in Malaysia?<\/strong><\/p>\n

                  The age requirement for Xanderia Islamic personal loan is from the age of 21 to 60 years
                  \nold.<\/p>\n<\/div><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-1875","page","type-page","status-publish","hentry"],"aioseo_notices":[],"yoast_head":"\nFAQ - Xanderia Berhad<\/title>\n<meta name=\"description\" content=\"Looking for information on Islamic personal financing? 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