{"id":869,"date":"2020-12-01T09:12:51","date_gmt":"2020-12-01T09:12:51","guid":{"rendered":"http:\/\/xanderia.com\/?page_id=869"},"modified":"2026-03-13T02:31:59","modified_gmt":"2026-03-13T02:31:59","slug":"kanz-prihatin-pembiayaan-peribadi","status":"publish","type":"page","link":"https:\/\/xanderia.com\/my\/shariah-financing\/kanz-prihatin-pembiayaan-peribadi\/","title":{"rendered":"Kanz Prihatin"},"content":{"rendered":"<div id='av_section_1'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-full-stretch av-section-color-overlay-active avia-bg-style-fixed  avia-builder-el-0  el_before_av_section  avia-builder-el-first   av-minimum-height av-minimum-height-75  container_wrap sidebar_right' style='background-color: #ffffff; background-repeat: no-repeat; background-image: url(https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/iStock-1063002528-copy-1030x687.jpg);background-attachment: fixed; background-position: top center;  '  data-section-bg-repeat='stretch' data-av_minimum_height_pc='75'><div class='av-section-color-overlay-wrap'><div class='av-section-color-overlay' style='opacity: 0.4; background-color: #000000; '><\/div><div class='container' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-869'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-1  el_before_av_three_fifth  avia-builder-el-first\" style='border-radius:0px; '><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   avia-builder-el-2  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><p><div  style='padding-bottom:10px; color:#ffffff;' class='av-special-heading av-special-heading-h1 custom-color-heading   avia-builder-el-3  el_before_av_hr  avia-builder-el-first'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >PERMOHONAN PEMBIAYAAN PERIBADI ISLAMIK UNTUK PENJAWAT AWAM<\/h1><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div><br \/>\n<div  style=' margin-top:5px; margin-bottom:0px;'  class='hr hr-custom hr-center hr-icon-no   avia-builder-el-4  el_after_av_heading  el_before_av_textblock'><span class='hr-inner  inner-border-av-border-none' style=' width:50px;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  av_inherit_color'  style='color:#ffffff; '  itemprop=\"text\" ><h4>Mohon Pembiayaan Peribadi Islamik Dengan Mudah Melalui Applikasi Xanderia<\/h4>\n<\/div><\/section><br \/>\n<div  style=' margin-top:5px; margin-bottom:0px;'  class='hr hr-custom hr-center hr-icon-no   avia-builder-el-6  el_after_av_textblock  el_before_av_button'><span class='hr-inner  inner-border-av-border-none' style=' width:50px;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<div  id=\"my-anchor5\"  class='avia-button-wrap avia-button-left  avia-builder-el-7  el_after_av_hr  avia-builder-el-last' ><a href='#my-anchor5'  class='avia-button  avia-font-color-theme-color  avia-icon_select-no avia-size-x-large avia-position-left'  style='background-color:#18c9bd; border-color:#18c9bd; ' ><span class='avia_iconbox_title' >MUAT TURUN SEKARANG<\/span><span class='avia_button_background avia-button avia-color-theme-color-highlight' ><\/span><\/a><\/div><\/p><\/div><div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding   avia-builder-el-8  el_after_av_three_fifth  avia-builder-el-last\" style='border-radius:0px; '><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div id='av_section_2'  class='avia-section main_color avia-section-large avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-9  el_after_av_section  el_before_av_button   av-arrow-down-section container_wrap sidebar_right' style='background-color: #f8f8f8;  '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-869'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_fifth  flex_column_div first  avia-builder-el-10  el_before_av_three_fifth  avia-builder-el-first\" ><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   avia-builder-el-11  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><p><div  id=\"howtoapply\"  style='padding-bottom:10px; ' class='av-special-heading av-special-heading-h2  blockquote modern-quote modern-centered  avia-builder-el-12  el_before_av_textblock  avia-builder-el-first'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >CARA MEMOHON?<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  style='font-size:16px; '  itemprop=\"text\" ><p style=\"text-align: center;\">Pembiayaan peribadi di hujung jari anda! Buat permohonan pembiayaan melalui telefon pintar anda.<\/p>\n<\/div><\/section><\/p><\/div><div class=\"flex_column av_one_fifth  flex_column_div   avia-builder-el-14  el_after_av_three_fifth  el_before_av_three_fifth\" ><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-15  el_after_av_one_fifth  el_before_av_two_fifth  column-top-margin\" style='border-radius:0px; ' id=\"my-anchor5\" ><div  class='avia-icon-list-container   avia-builder-el-16  avia-builder-el-no-sibling'><ul class='avia-icon-list avia-icon-list-left av-iconlist-big avia_animate_when_almost_visible avia-iconlist-animate'>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue82d' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >LANGKAH 1<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Muat turun dan buka <a href=\"#appdownload\">Aplikasi Xanderia Shariah Financing<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue840' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >LANGKAH 2<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Lengkapkan Proses Permohonan (Pengesahan MyKad dan muat naik Penyata Pendapatan Rasmi 3 bulan dalam format PDF)<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue84b' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >LANGKAH 3<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Kelulusan Awal (Semakan Perjanjian Pembiayaan dan Penerimaan melalui e-tandatangan)<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue851' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >LANGKAH 4<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Lengkapkan Proses BPA (Muat turun borang BPA dan senarai semak untuk penghantaran dokumen salinan keras)<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue82b' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >LANGKAH 5<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Kelulusan akhir dan Wang Tunai Dikredit ke Akaun Anda*<\/p>\n<p>* Terms &amp; Condition apply<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<\/ul><\/div><\/div><div class=\"flex_column av_two_fifth  flex_column_div   avia-builder-el-17  el_after_av_three_fifth  avia-builder-el-last  column-top-margin\" ><div  class='avia-icon-list-container   avia-builder-el-18  avia-builder-el-no-sibling'><ul class='avia-icon-list avia-icon-list-left av-iconlist-small avia_animate_when_almost_visible avia-iconlist-animate'>\n<li><div  class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue80a' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><div class='av_iconlist_title iconlist_title_small'  itemprop=\"headline\"  >Kelayakan Untuk Pembiayaan Peribadi<\/div><\/header><div class='iconlist_content'  itemprop=\"text\"  ><ul>\n<li>Penjawat Awam Warganegara Malaysia Berjawatan Tetap (tempoh bekerja minimum selama 12 bulan)<\/li>\n<\/ul>\n<ul>\n<li>Usia minimum 18 tahun dan maksimum 60 tahun pada penghujung tempoh pembiayaan<br \/>\n(Usia + Tempoh Pembiayaan TIDAK BOLEH melebihi 60 tahun)<\/li>\n<\/ul>\n<ul>\n<li>Dengan pendapatan bulanan tetap minimum RM1,500 termasuk elaun tetap<\/li>\n<\/ul>\n<ul>\n<li>Untuk penjawat awam kerajaan negeri dan persekutuan di bawah skim pencen<\/li>\n<\/ul>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue852' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><div class='av_iconlist_title iconlist_title_small'  itemprop=\"headline\"  >Dokumen yang Diperlukan<\/div><\/header><div class='iconlist_content'  itemprop=\"text\"  ><ul>\n<li>MyKad<\/li>\n<li>Penyata gaji rasmi 3 bulan dalam format PDF<\/li>\n<\/ul>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><div class='av_iconlist_title iconlist_title_small'  itemprop=\"headline\"  >Notis<\/div><\/header><div class='iconlist_content'  itemprop=\"text\"  ><h6>Untuk mengetahui dengan lebih terperinci mengenai perbezaan diantara Pinjaman Peribadi (Conventional Loan) dan Pembiayaan Peribadi Patuh Syariah (Islamic Personal Financing)<br \/>\nclick <span style=\"color: #00ccff;\"><a style=\"color: #00ccff;\" href=\"https:\/\/xanderia.com\/my\/faq\/\" target=\"_blank\" rel=\"noopener\">sini<\/a><\/span><\/h6>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<\/ul><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'  style='background-color:#f8f8f8;' ><\/div><\/div><\/div><\/div><div id='after_section_2'  class='main_color av_default_container_wrap container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-869'><div class='entry-content-wrapper clearfix'>\n<div  class='avia-button-wrap avia-button-center  avia-builder-el-19  el_after_av_section  el_before_av_section  avia-builder-el-no-sibling' ><a href='#appdownload'  class='avia-button   avia-icon_select-no avia-size-x-large avia-position-center'  style='background-color:#00a394; border-color:#00a394; color:#ffffff; ' ><span class='avia_iconbox_title' >MUAT TURUN SEKARANG!<\/span><\/a><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_3'  class='avia-section main_color avia-section-large avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-20  el_after_av_button  el_before_av_section   av-minimum-height av-minimum-height-50  container_wrap sidebar_right' style=' '   data-av_minimum_height_pc='50'><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-869'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_two_fifth  av-animated-generic left-to-right  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding first  avia-builder-el-21  el_before_av_three_fifth  avia-builder-el-first\" style='border-radius:0px; '><div  class='avia-image-container avia_animated_image avia_animate_when_almost_visible pop-up av-styling-    avia-builder-el-22  avia-builder-el-no-sibling  phone-img avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img fetchpriority=\"high\" decoding=\"async\" class='wp-image-21833 avia-img-lazy-loading-21833 avia_image' src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-262x300.png\" alt='' title='Kanz Prihatin Web 2x' height=\"300\" width=\"262\" itemprop=\"thumbnailUrl\"  srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-262x300.png 262w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-898x1030.png 898w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-768x880.png 768w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-1340x1536.png 1340w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-1786x2048.png 1786w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-10x12.png 10w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-1308x1500.png 1308w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-615x705.png 615w\" sizes=\"(max-width: 262px) 100vw, 262px\" \/><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_three_fifth  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding   avia-builder-el-23  el_after_av_two_fifth  avia-builder-el-last\" style='border-radius:0px; '><p><div  class='avia-image-container  av-styling-    avia-builder-el-24  el_before_av_heading  avia-builder-el-first  avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img decoding=\"async\" class='wp-image-2941 avia-img-lazy-loading-2941 avia_image' src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-300x84.png\" alt='' title='Untitled design (9)' height=\"84\" width=\"300\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-300x84.png 300w, https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-1030x290.png 1030w, https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-768x216.png 768w, https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-1536x432.png 1536w, https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-2048x576.png 2048w, https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-18x5.png 18w, https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-1500x422.png 1500w, https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-705x198.png 705w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><br \/>\n<div  style='padding-bottom:10px; ' class='av-special-heading av-special-heading-h2  blockquote modern-quote modern-centered  avia-builder-el-25  el_after_av_image  el_before_av_textblock'><div class ='av-subheading av-subheading_above   av-mini-font-size-overwrite av-mini-font-size-10' style='font-size:15px;'><p>Memperkenalkan<\/p>\n<\/div><h2 class='av-special-heading-tag  av-mini-font-size-overwrite av-mini-font-size-20'  itemprop=\"headline\"  >Platform Pembiayaan Syariah <span class='special_amp'>&amp;<\/span> Penstrukturan Semula Kewangan Melalui Telefon Mudah Alih Anda<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  style='font-size:16px; '  itemprop=\"text\" ><div class=\"Banner\">\n<div class=\"container-fluid\">\n<div class=\"Banner__text text--color_grey_dark align__center pad_t--50 pad_b--60 pad_t--30-sm pad_b--40-sm\" style=\"text-align: center;\">Permohonan, pemprosesan dan pengurusan pembiayaan digital hujung ke hujung.<\/div>\n<div style=\"text-align: center;\"><\/div>\n<\/div>\n<\/div>\n<\/div><\/section><br \/>\n<div   data-autoplay='true'  data-interval='3'  data-animation='slide'  data-show_slide_delay='30'  class='avia-content-slider-element-container avia-content-slider-element-slider avia-content-slider avia-smallarrow-slider avia-content-slider-active avia-content-slider1 avia-content-slider-odd  avia-builder-el-27  el_after_av_textblock  el_before_av_hr  av_inherit_color'  style=' color:#00a394; '><div class='avia-smallarrow-slider-heading  no-content-slider-navigation  no-content-slider-heading'><div class='new-special-heading'>&nbsp;<\/div><\/div><div class='avia-content-slider-inner'><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-1 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">PEMBIAYAAN PERIBADI SYARIAH<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-2 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">UP TO RM200K WITH NO GUARANTOR<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-3 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">DITAWARKAN KEPADA SEMUA PENJAWAT AWAM<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-4 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">CEPAT DAN SELAMAT<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-5 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">NO DEPOSIT<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-6 slide-parity-odd  post-entry-last  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">REPAYMENT THROUGH ANGKASA SALARY DEDUCTION<\/h2>\n<\/div><\/section><\/div><\/div><\/div><br \/>\n<div  style='height:50px' class='hr hr-invisible   avia-builder-el-28  el_after_av_content_slider  el_before_av_animated_numbers'><span class='hr-inner' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<div  class=\"avia-animated-number av-force-default-color  avia-color-  avia-builder-el-29  el_after_av_hr  el_before_av_hr  avia_animate_when_visible\"  data-timer=\"3000\"><strong class=\"heading avia-animated-number-title\" ><span class=\"avia-no-number\">RM<\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\",\" data-number=\"1000\" data-start_from=\"0\">1000<\/span><span class=\"avia-no-number\"> - RM<\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\",\" data-number=\"200000\" data-start_from=\"0\">200000<\/span><\/strong><div class='avia-animated-number-content' ><p>Jumlah Pembiayaan<\/p>\n<\/div><\/div><br \/>\n<div  style='height:50px' class='hr hr-invisible   avia-builder-el-30  el_after_av_animated_numbers  el_before_av_animated_numbers'><span class='hr-inner' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<div  class=\"avia-animated-number av-force-default-color  avia-color-  avia-builder-el-31  el_after_av_hr  avia-builder-el-last  avia_animate_when_visible\"  data-timer=\"3000\"><strong class=\"heading avia-animated-number-title\" ><span class=\"avia-single-number __av-single-number\" data-number_format=\",\" data-number=\"12\" data-start_from=\"0\">12<\/span><span class=\"avia-no-number\"> hingga <\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\",\" data-number=\"120\" data-start_from=\"0\">120<\/span><span class=\"avia-no-number\"> bulan<\/span><\/strong><div class='avia-animated-number-content' ><p>Tempoh Pembiayaan<\/p>\n<\/div><\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_4'  class='avia-section main_color avia-section-large avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-32  el_after_av_section  el_before_av_section   av-arrow-down-section container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-869'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_half  av-animated-generic pop-up  flex_column_div av-zero-column-padding first  avia-builder-el-33  el_before_av_one_half  avia-builder-el-first\" style='border-radius:0px; '><article  class=\"iconbox iconbox_left_content    avia-builder-el-34  avia-builder-el-no-sibling\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue862' data-av_iconfont='entypo-fontello'  style='border:1px solid #007ac0; color:#007ac0; ' ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\"><h3 class='iconbox_content_title'  itemprop=\"headline\"  >KELULUSAN AWAL DALAM SATU (1) HARI BEKERJA<\/h3><\/header><div class='iconbox_content_container'  itemprop=\"text\"  ><p>Kami menjamin anda mendapat kelulusan awal dalam satu hari bekerja, tertakluk pada proses pengesahan dan penyemakan dokumen.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div><div class=\"flex_column av_one_half  av-animated-generic pop-up  flex_column_div av-zero-column-padding   avia-builder-el-35  el_after_av_one_half  el_before_av_one_half\" style='border-radius:0px; '><article  class=\"iconbox iconbox_left_content    avia-builder-el-36  avia-builder-el-no-sibling\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue827' data-av_iconfont='entypo-fontello'  style='border:1px solid #007ac0; color:#007ac0; ' ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\"><h3 class='iconbox_content_title'  itemprop=\"headline\"  >Kadar tahunan serendah 6.99%<\/h3><\/header><div class='iconbox_content_container'  itemprop=\"text\"  ><p>Kami menjamin kadar terbaik untuk Penjawat Awam dan skim pembayaran semula yang berpatutan.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div><div class=\"flex_column av_one_half  av-animated-generic pop-up  flex_column_div av-zero-column-padding first  avia-builder-el-37  el_after_av_one_half  el_before_av_one_half  column-top-margin\" style='border-radius:0px; '><article  class=\"iconbox iconbox_left_content    avia-builder-el-38  avia-builder-el-no-sibling\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue85b' data-av_iconfont='entypo-fontello'  style='border:1px solid #007ac0; color:#007ac0; ' ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\"><h3 class='iconbox_content_title'  itemprop=\"headline\"  >SKIM PEMBAYARAN SEMULA SEHINGGA 10 TAHUN<\/h3><\/header><div class='iconbox_content_container'  itemprop=\"text\"  ><p>Anda diberi pilihan untuk melanjutkan pelan pembiayaan anda sehingga 10 tahun maksimum.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div><div class=\"flex_column av_one_half  av-animated-generic pop-up  flex_column_div av-zero-column-padding   avia-builder-el-39  el_after_av_one_half  avia-builder-el-last  column-top-margin\" style='border-radius:0px; '><article  class=\"iconbox iconbox_left_content    avia-builder-el-40  avia-builder-el-no-sibling\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue82b' data-av_iconfont='entypo-fontello'  style='border:1px solid #007ac0; color:#007ac0; ' ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\"><h3 class='iconbox_content_title'  itemprop=\"headline\"  >100% PATUH SYARIAH<\/h3><\/header><div class='iconbox_content_container'  itemprop=\"text\"  ><p>Kami menjamin anda pembiayaan yang 100% Patuh Syariah menurut perundangan Islam.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div>\n<\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'  style='background-color:#ffffff;' ><\/div><\/div><\/div><\/div><div id='av_section_5'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-41  el_after_av_section  el_before_av_section   container_wrap sidebar_right' style='background-color: #00a394;  '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-869'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_half  av-animated-generic left-to-right  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding first  avia-builder-el-42  el_before_av_one_half  avia-builder-el-first  textblock-1\" style='border-radius:0px; '><p><div  style='padding-bottom:10px; color:#ffffff;' class='av-special-heading av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-43  el_before_av_hr  avia-builder-el-first'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >KALKULATOR BAYARAN BULANAN<\/h2><div class ='av-subheading av-subheading_below av_custom_color' style='font-size:15px;'><p>Dapatkan bayaran ansuran bulanan dengan memasukkan jumlah dan tempoh pembiayaan anda.<\/p>\n<\/div><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div><br \/>\n<div  style=' margin-top:30px; margin-bottom:40px;'  class='hr hr-custom hr-center hr-icon-no   avia-builder-el-44  el_after_av_heading  el_before_av_textblock'><span class='hr-inner  inner-border-av-border-thin' style=' width:50px;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  av_inherit_color'  style='font-size:13px; color:#ffffff; '  itemprop=\"text\" ><p style=\"text-align: center;\">Kalkulator akan memberi anda anggaran kasar pembayaran semula bulanan berdasarkan jumlah dan tempoh pembiayaan anda.<\/p>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_half  av-animated-generic right-to-left  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding   avia-builder-el-46  el_after_av_one_half  el_before_av_button\" style='border-radius:0px; '><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div  class='avia-button-wrap avia-button-center  avia-builder-el-48  el_after_av_one_half  avia-builder-el-last' ><a href='#appdownload'  class='avia-button   avia-icon_select-no avia-size-x-large avia-position-center'  style='background-color:#00a394; border-color:#00a394; color:#ffffff; ' ><span class='avia_iconbox_title' >MUAT TURUN SEKARANG!<\/span><\/a><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_6'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-full-stretch av-section-color-overlay-active avia-bg-style-fixed  avia-builder-el-49  el_after_av_section  el_before_av_section   av-desktop-hide av-medium-hide av-small-hide av-mini-hide av-minimum-height av-minimum-height-50  container_wrap sidebar_right' style='background-repeat: no-repeat; background-image: url(https:\/\/xanderia.com\/wp-content\/uploads\/2020\/10\/nick-fewings-Rr-cKJxc0lI-unsplash-scaled.jpg);background-attachment: fixed; background-position: center center;  '  data-section-bg-repeat='stretch' data-av_minimum_height_pc='50'><div class='av-section-color-overlay-wrap'><div class='av-section-color-overlay' style='opacity: 0.5; background-color: #0a0a0a; '><\/div><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-869'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-50  el_before_av_three_fifth  avia-builder-el-first\" style='border-radius:0px; '><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   avia-builder-el-51  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><p><div  style='padding-bottom:10px; color:#ffffff;' class='av-special-heading av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-52  el_before_av_textblock  avia-builder-el-first'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >What Are The Products Offered?<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  av_inherit_color'  style='font-size:13px; color:#ffffff; '  itemprop=\"text\" ><p style=\"text-align: center;\">Kami menawarkan pembiayaan peribadi patuh syariah tanpa cagaran untuk Penjawat Awam Warganegara Malaysia. Permohonan, pemprosesan dan pengurusan pembiayaan secara automatik dan digital hujung ke hujung kami ini melindungi pengguna daripada risiko komunikasi dekat di dunia pasca-COVID-19.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap avia-button-center  avia-builder-el-54  el_after_av_textblock  avia-builder-el-last' ><a href='http:\/\/xanderia.com\/my\/about\/'  class='avia-button  avia-color-light   avia-icon_select-no avia-size-large avia-position-center'   ><span class='avia_iconbox_title' >Lihat Lagi<\/span><\/a><\/div><\/p><\/div><div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding   avia-builder-el-55  el_after_av_three_fifth  avia-builder-el-last\" style='border-radius:0px; '><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><\/div><div id='av_section_7'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-56  el_after_av_section  avia-builder-el-last   av-minimum-height av-minimum-height-50  container_wrap sidebar_right' style=' '   data-av_minimum_height_pc='50'><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-869'><div class='entry-content-wrapper clearfix'>\n<div  style='padding-bottom:10px; ' class='av-special-heading av-special-heading-h2  blockquote modern-quote modern-centered  avia-builder-el-57  el_before_av_hr  avia-builder-el-first'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Permohonan Pembiayaan <span class='special_amp'>&amp;<\/span> Mudah melalui Aplikasi Mudah Alih Xanderia<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div>\n<div  style=' margin-top:30px; margin-bottom:40px;'  class='hr hr-custom hr-center hr-icon-no   avia-builder-el-58  el_after_av_heading  el_before_av_one_fifth'><span class='hr-inner  inner-border-av-border-thin' style=' width:50px;' ><span class='hr-inner-style'><\/span><\/span><\/div>\n<div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_fifth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding first  avia-builder-el-59  el_after_av_hr  el_before_av_three_fifth\" style='border-radius:0px; '><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_three_fifth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding   avia-builder-el-60  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><div  id=\"appdownload\"  class='avia-image-container avia_animated_image avia_animate_when_almost_visible bottom-to-top av-styling-    avia-builder-el-61  avia-builder-el-no-sibling  avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img decoding=\"async\" class='wp-image-1067 avia-img-lazy-loading-1067 avia_image' src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01.png\" alt='Personal Financing-i, Personal Loan' title='Xanderia_Phone_Mockup-01' height=\"3247\" width=\"5184\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01.png 5184w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01-300x188.png 300w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01-1030x645.png 1030w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01-768x481.png 768w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01-1536x962.png 1536w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01-2048x1283.png 2048w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01-16x10.png 16w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01-1500x940.png 1500w, https:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01-705x442.png 705w\" sizes=\"(max-width: 5184px) 100vw, 5184px\" \/><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_fifth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding   avia-builder-el-62  el_after_av_three_fifth  el_before_av_one_fourth\" style='border-radius:0px; '><\/div><\/div><!--close column table wrapper. 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Autoclose: 1 -->\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_7'  class='main_color av_default_container_wrap container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-869'><div class='entry-content-wrapper clearfix'>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":933,"menu_order":0,"comment_status":"open","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-869","page","type-page","status-publish","hentry"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Apply | Xanderia<\/title>\n<meta name=\"description\" content=\"How to Apply? 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