{"id":24481,"date":"2023-11-23T14:20:30","date_gmt":"2023-11-23T14:20:30","guid":{"rendered":"https:\/\/finpath.keydesign.xyz\/insurance\/?page_id=23456"},"modified":"2026-05-17T14:55:46","modified_gmt":"2026-05-17T14:55:46","slug":"faq","status":"publish","type":"page","link":"https:\/\/redzo.com.my\/gw\/faq\/","title":{"rendered":"Faq"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"24481\" class=\"elementor elementor-24481\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf525c2 e-flex e-con-boxed e-con e-parent\" data-id=\"cf525c2\" 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-3a57f6e e-con-full e-flex e-con e-child\" data-id=\"3a57f6e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32ada38 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"32ada38\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;css&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_center\"><h6 class=\"elementskit-section-subtitle   ekit-heading__subtitle-has-border\">\n\t\t\t\t\t\tfrequently asked questions\n\t\t\t\t\t<\/h6><h1 class=\"ekit-heading--title elementskit-section-title \">Got questions? <span>This way.<\/span><\/h1>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<h4><strong>Everything you need to know about GW<\/strong><\/h4>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\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-12ba7e3 e-flex e-con-boxed e-con e-parent\" data-id=\"12ba7e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&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-fef8c5a e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"fef8c5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ae7a828 e-con-full ekit-sticky--top e-flex e-con e-child\" data-id=\"ae7a828\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_sticky&quot;:&quot;top&quot;,&quot;ekit_sticky_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:175,&quot;sizes&quot;:[]},&quot;ekit_sticky_until&quot;:&quot;smemicro&quot;,&quot;ekit_sticky_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;ekit_sticky_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;ekit_sticky_on_desktop&quot;:&quot;desktop&quot;,&quot;ekit_sticky_effect_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;ekit_sticky_effect_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;ekit_sticky_effect_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c110352 sticky-navigation animated-fast elementor-hidden-tablet elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-elementskit-stylish-list\" data-id=\"c110352\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-stylish-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\">\t\t<ul class=\"ekit-stylish-list \" >\n\t\t\t\t\t\t\t<li class=\"ekit-stylish-list-content-wrapper elementor-repeater-item-dbd1c0d\" >\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"ekit-wrapper-link\" href=\"#section1\" aria-label=\"General questions\"><\/a>\n\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content\">\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<div class=\"ekit-stylish-list-content-text\">\n\t\t\t\t\t\t\t<span class=\"ekit-stylish-list-content-title\">General questions<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ekit-stylish-list-content-wrapper elementor-repeater-item-dcf51fe\" >\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"ekit-wrapper-link\" href=\"#section2\" aria-label=\"Loan For Private Sector\"><\/a>\n\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content\">\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<div class=\"ekit-stylish-list-content-text\">\n\t\t\t\t\t\t\t<span class=\"ekit-stylish-list-content-title\">Loan For Private Sector<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ekit-stylish-list-content-wrapper elementor-repeater-item-fca78ba\" >\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"ekit-wrapper-link\" href=\"#section3\" aria-label=\"Loan For Civil Servants\"><\/a>\n\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content\">\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<div class=\"ekit-stylish-list-content-text\">\n\t\t\t\t\t\t\t<span class=\"ekit-stylish-list-content-title\">Loan For Civil Servants<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ekit-stylish-list-content-wrapper elementor-repeater-item-3cfadcd\" >\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"ekit-wrapper-link\" href=\"#autoservice\" aria-label=\"Auto Service Financing\"><\/a>\n\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content\">\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<div class=\"ekit-stylish-list-content-text\">\n\t\t\t\t\t\t\t<span class=\"ekit-stylish-list-content-title\">Auto Service Financing<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ekit-stylish-list-content-wrapper elementor-repeater-item-e1258db\" >\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"ekit-wrapper-link\" href=\"#cartakaful\" aria-label=\"Car Takaful Instalment Plan\"><\/a>\n\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content\">\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<div class=\"ekit-stylish-list-content-text\">\n\t\t\t\t\t\t\t<span class=\"ekit-stylish-list-content-title\">Car Takaful Instalment Plan<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ekit-stylish-list-content-wrapper elementor-repeater-item-d7dab94\" >\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"ekit-wrapper-link\" href=\"#smemicro\" aria-label=\"SME Micro Financing\"><\/a>\n\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-stylish-list-content\">\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<div class=\"ekit-stylish-list-content-text\">\n\t\t\t\t\t\t\t<span class=\"ekit-stylish-list-content-title\">SME Micro Financing<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\t\t\t\t<\/div>\n\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-d34f5b7 e-con-full e-flex e-con e-child\" data-id=\"d34f5b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9d071d1 e-con-full sticky-section e-flex e-con e-child\" data-id=\"9d071d1\" data-element_type=\"container\" data-e-type=\"container\" id=\"section1\">\n\t\t<div class=\"elementor-element elementor-element-1e72baa e-con-full e-flex e-con e-child\" data-id=\"1e72baa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a2fa7c e-con-full e-flex e-con e-child\" data-id=\"6a2fa7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-905a502 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"905a502\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title \">General questions:<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fccf1e animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"0fccf1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b6fad1\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-0fccf1e\">\n                        <a href=\"#collapse-bc228306a2dde5b6fad1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b6fad1\" aria-expanded=\"true\" aria-controls=\"Collapse-bc228306a2dde5b6fad1\">\n                            \n                            <span class=\"ekit-accordion-title\">1. Who is a licensed moneylender?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b6fad1\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-0fccf1e\" data-parent=\"#accordion-6a2dde5b6fad1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A licensed moneylender is authorized by the <strong>Ministry of Local Government Development (KPKT)<\/strong> under the <strong>Moneylenders Act 1951<\/strong>. Each licensed moneylender holds a valid license showing the company name, address, license number, and validity period.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-0fccf1e\">\n                        <a href=\"#collapse-8417e716a2dde5b6fad1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b6fad1\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b6fad1\">\n                            \n                            <span class=\"ekit-accordion-title\">2. What are the interest rates?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b6fad1\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-0fccf1e\" data-parent=\"#accordion-6a2dde5b6fad1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ul><li><strong>Unsecured loans:<\/strong> Maximum 18% p.a.<\/li><li><strong>Secured loans:<\/strong> Maximum 12% p.a.<\/li><\/ul><p>These limits are set under the <strong>Moneylenders Act 1951<\/strong>.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-0fccf1e\">\n                        <a href=\"#collapse-3dad4e06a2dde5b6fad1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3dad4e06a2dde5b6fad1\" aria-expanded=\"false\" aria-controls=\"Collapse-3dad4e06a2dde5b6fad1\">\n                            \n                            <span class=\"ekit-accordion-title\">3. How much can I borrow and for how long?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3dad4e06a2dde5b6fad1\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-0fccf1e\" data-parent=\"#accordion-6a2dde5b6fad1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Loan eligibility depends on your income, existing debt, and credit history.<\/p><ul><li><strong>Maximum loan amount:<\/strong> Up to RM20,000 (some may offer higher amounts with collateral)<\/li><li><strong>Loan tenure:<\/strong> Flexible, from 1 to 4 years<\/li><\/ul><p>You can use our <strong>personal loan calculator<\/strong> to estimate your monthly instalment.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-0fccf1e\">\n                        <a href=\"#collapse-ecc49856a2dde5b6fad1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ecc49856a2dde5b6fad1\" aria-expanded=\"false\" aria-controls=\"Collapse-ecc49856a2dde5b6fad1\">\n                            \n                            <span class=\"ekit-accordion-title\">4. Do I need to provide my ATM card to apply?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ecc49856a2dde5b6fad1\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-0fccf1e\" data-parent=\"#accordion-6a2dde5b6fad1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. Licensed moneylenders on the <strong>GW platform<\/strong> do <strong>not<\/strong> require your ATM card when applying for a personal loan.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-0fccf1e\">\n                        <a href=\"#collapse-af271206a2dde5b6fad1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-af271206a2dde5b6fad1\" aria-expanded=\"false\" aria-controls=\"Collapse-af271206a2dde5b6fad1\">\n                            \n                            <span class=\"ekit-accordion-title\">5. What are the minimum and maximum loan tenures?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-af271206a2dde5b6fad1\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-0fccf1e\" data-parent=\"#accordion-6a2dde5b6fad1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The minimum loan tenure is 6 months and the maximum loan tenure is 60 months (5 years)<\/p><p class=\"mt-20\">* Subject are depends on individual credit scoring evaluation.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\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-99f8bff e-con-full sticky-section e-flex e-con e-child\" data-id=\"99f8bff\" data-element_type=\"container\" data-e-type=\"container\" id=\"section2\">\n\t\t<div class=\"elementor-element elementor-element-1f27391 e-con-full e-flex e-con e-child\" data-id=\"1f27391\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb2253 elementor-widget elementor-widget-spacer\" data-id=\"1bb2253\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<div class=\"elementor-element elementor-element-22057d1 e-con-full e-flex e-con e-child\" data-id=\"22057d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4489f6 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"b4489f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title \">Loan for Private Sector :<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7998a2 elementor-widget elementor-widget-heading\" data-id=\"d7998a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Private Sector Loan Application Guide<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a52f426 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"a52f426\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b74d88\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-a52f426\">\n                        <a href=\"#collapse-bc228306a2dde5b74d88\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b74d88\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b74d88\">\n                            \n                            <span class=\"ekit-accordion-title\">1. How do I apply for a loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b74d88\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-a52f426\" data-parent=\"#accordion-6a2dde5b74d88\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Applying for a loan is quick and simple, with just 3 easy steps:<\/p><p><strong>Step 1: Submit Your Online Application<\/strong><br \/>Complete our short online form with your personal details, preferred loan amount, and repayment period. Then, choose a lender that best suits your needs.<\/p><p><strong>Step 2: Verification by the Lender<\/strong><br \/>The selected lender will contact you via phone or email to perform a credit check and verify your eligibility.<\/p><p><strong>Step 3: Document Submission &amp; Agreement Signing<\/strong><br \/>After successful verification, submit the required documents (such as NRIC, payslips, bank statements, EPF\/tax documents, and utility bills). You will then proceed to the lender\u2019s office to sign the agreement.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-a52f426\">\n                        <a href=\"#collapse-8417e716a2dde5b74d88\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b74d88\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b74d88\">\n                            \n                            <span class=\"ekit-accordion-title\">2. What can I use the loan for?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b74d88\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-a52f426\" data-parent=\"#accordion-6a2dde5b74d88\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Your loan can be used for a wide range of purposes, including:<\/p><ul><li>Settling credit card balances<\/li><li>Consolidating existing debts<\/li><li>Home renovation<\/li><li>Wedding expenses<\/li><li>Starting or expanding a business<\/li><li>Medical or hospital bills<\/li><li>Education or courses<\/li><li>Car financing<\/li><li>Major purchases<\/li><li>Travel or vacation<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-a52f426\">\n                        <a href=\"#collapse-3dad4e06a2dde5b74d88\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3dad4e06a2dde5b74d88\" aria-expanded=\"false\" aria-controls=\"Collapse-3dad4e06a2dde5b74d88\">\n                            \n                            <span class=\"ekit-accordion-title\">3. How much can I borrow and for how long?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3dad4e06a2dde5b74d88\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-a52f426\" data-parent=\"#accordion-6a2dde5b74d88\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The loan amount and repayment period depend on the lender you choose. Generally, you can apply for up to RM20,000, with flexible repayment terms ranging from 6 months to 3 years.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-a52f426\">\n                        <a href=\"#collapse-ecc49856a2dde5b74d88\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ecc49856a2dde5b74d88\" aria-expanded=\"false\" aria-controls=\"Collapse-ecc49856a2dde5b74d88\">\n                            \n                            <span class=\"ekit-accordion-title\">4. Is there a minimum loan amount?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ecc49856a2dde5b74d88\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-a52f426\" data-parent=\"#accordion-6a2dde5b74d88\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, the minimum loan amount is RM1,000.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-a52f426\">\n                        <a href=\"#collapse-af271206a2dde5b74d88\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-af271206a2dde5b74d88\" aria-expanded=\"false\" aria-controls=\"Collapse-af271206a2dde5b74d88\">\n                            \n                            <span class=\"ekit-accordion-title\">5. Do lenders keep my ATM card?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-af271206a2dde5b74d88\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-a52f426\" data-parent=\"#accordion-6a2dde5b74d88\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. All lenders we work with will never request or hold your ATM card.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b703e4e elementor-widget elementor-widget-spacer\" data-id=\"b703e4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-26fcdd9 elementor-widget elementor-widget-heading\" data-id=\"26fcdd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Borrower Eligibility<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-661839d animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"661839d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b77351\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-661839d\">\n                        <a href=\"#collapse-bc228306a2dde5b77351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b77351\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b77351\">\n                            \n                            <span class=\"ekit-accordion-title\">1. Am I eligible to apply?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b77351\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-661839d\" data-parent=\"#accordion-6a2dde5b77351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You may qualify if you meet the following criteria:<\/p><ul><li>Malaysian citizen aged 20 to 60 years old<\/li><li>Employed for at least 3 months<\/li><li>Minimum monthly income:<ul><li>RM1,500 (Semenanjung Malaysia)<\/li><li>RM1,200 (Sabah &amp; Sarawak)<\/li><\/ul><\/li><li>Not declared bankrupt<\/li><li>No serious records under CCRIS (for selected lenders)<\/li><li>Able to afford monthly repayments<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-661839d\">\n                        <a href=\"#collapse-8417e716a2dde5b77351\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b77351\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b77351\">\n                            \n                            <span class=\"ekit-accordion-title\">2. What documents are required?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b77351\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-661839d\" data-parent=\"#accordion-6a2dde5b77351\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You will need to provide:<\/p><ul><li>NRIC copy (front and back)<\/li><li>Latest 3 months payslips<\/li><li>Latest 3 months bank statements (salary credited)<\/li><li>EPF statement or Tax Declaration (BE Form)<\/li><li>Utility bill (e.g. electricity or water bill)<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d822bc8 elementor-widget elementor-widget-spacer\" data-id=\"d822bc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-514f7b1 elementor-widget elementor-widget-heading\" data-id=\"514f7b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Verification &amp; Disbursement<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fffeff5 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"fffeff5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b79811\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-fffeff5\">\n                        <a href=\"#collapse-bc228306a2dde5b79811\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b79811\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b79811\">\n                            \n                            <span class=\"ekit-accordion-title\">1. How long does approval take?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b79811\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-fffeff5\" data-parent=\"#accordion-6a2dde5b79811\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Loan approval can be as fast as within 1 working day, depending on the completeness of your documents and information.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-fffeff5\">\n                        <a href=\"#collapse-8417e716a2dde5b79811\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b79811\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b79811\">\n                            \n                            <span class=\"ekit-accordion-title\">2. Can I use my spouse\u2019s or household income?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b79811\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-fffeff5\" data-parent=\"#accordion-6a2dde5b79811\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. Only your personal income will be considered. However, some lenders may allow a guarantor to improve approval chances.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff3003 elementor-widget elementor-widget-spacer\" data-id=\"1ff3003\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-ee54683 elementor-widget elementor-widget-heading\" data-id=\"ee54683\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Rates &amp; Fees<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b287d82 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"b287d82\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b7bc96\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-b287d82\">\n                        <a href=\"#collapse-bc228306a2dde5b7bc96\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b7bc96\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b7bc96\">\n                            \n                            <span class=\"ekit-accordion-title\">1. Are there any upfront fees?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b7bc96\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-b287d82\" data-parent=\"#accordion-6a2dde5b7bc96\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. There are no upfront or processing fees charged to borrowers.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-b287d82\">\n                        <a href=\"#collapse-8417e716a2dde5b7bc96\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b7bc96\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b7bc96\">\n                            \n                            <span class=\"ekit-accordion-title\">2. What are the interest rates?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b7bc96\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-b287d82\" data-parent=\"#accordion-6a2dde5b7bc96\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Interest rates typically range from:<\/p><ul><li>12% per annum (with collateral)<\/li><li>18% per annum (without collateral)<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-b287d82\">\n                        <a href=\"#collapse-2ffeee76a2dde5b7bc96\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2ffeee76a2dde5b7bc96\" aria-expanded=\"false\" aria-controls=\"Collapse-2ffeee76a2dde5b7bc96\">\n                            \n                            <span class=\"ekit-accordion-title\">3. Is stamp duty applicable?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2ffeee76a2dde5b7bc96\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-b287d82\" data-parent=\"#accordion-6a2dde5b7bc96\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes. A 0.5% stamp duty is charged based on the loan amount.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-b287d82\">\n                        <a href=\"#collapse-29c3a406a2dde5b7bc96\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-29c3a406a2dde5b7bc96\" aria-expanded=\"false\" aria-controls=\"Collapse-29c3a406a2dde5b7bc96\">\n                            \n                            <span class=\"ekit-accordion-title\">4. Is advance payment required?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-29c3a406a2dde5b7bc96\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-b287d82\" data-parent=\"#accordion-6a2dde5b7bc96\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. There is no advance instalment required.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-b287d82\">\n                        <a href=\"#collapse-a460ab26a2dde5b7bc96\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a460ab26a2dde5b7bc96\" aria-expanded=\"false\" aria-controls=\"Collapse-a460ab26a2dde5b7bc96\">\n                            \n                            <span class=\"ekit-accordion-title\">5. What happens if I miss a payment?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a460ab26a2dde5b7bc96\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-b287d82\" data-parent=\"#accordion-6a2dde5b7bc96\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Late payments will incur a late payment fee, as stated in your loan agreement.<\/p><p>Late payments will incur a late payment fee, as stated in your loan agreement.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c81ba72 elementor-widget elementor-widget-spacer\" data-id=\"c81ba72\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-3d8abb7 elementor-widget elementor-widget-heading\" data-id=\"3d8abb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Repayment<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b16870 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"4b16870\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b7e3ad\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-4b16870\">\n                        <a href=\"#collapse-bc228306a2dde5b7e3ad\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b7e3ad\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b7e3ad\">\n                            \n                            <span class=\"ekit-accordion-title\">1. How do I repay my loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b7e3ad\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-4b16870\" data-parent=\"#accordion-6a2dde5b7e3ad\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You can make monthly repayments through:<\/p><ul><li>Interbank GIRO (IBG)<\/li><li>Cash deposit<\/li><li>Cheque deposit<\/li><li>MEPS ATM transfer<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-4b16870\">\n                        <a href=\"#collapse-8417e716a2dde5b7e3ad\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b7e3ad\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b7e3ad\">\n                            \n                            <span class=\"ekit-accordion-title\">2. Can I settle my loan early?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b7e3ad\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-4b16870\" data-parent=\"#accordion-6a2dde5b7e3ad\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes. You can settle your loan early without any penalty or extra charges.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\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-391edf7 e-con-full sticky-section e-flex e-con e-child\" data-id=\"391edf7\" data-element_type=\"container\" data-e-type=\"container\" id=\"section3\">\n\t\t<div class=\"elementor-element elementor-element-2a5b036 e-con-full e-flex e-con e-child\" data-id=\"2a5b036\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f0f283 elementor-widget elementor-widget-spacer\" data-id=\"0f0f283\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<div class=\"elementor-element elementor-element-99fc211 e-con-full e-flex e-con e-child\" data-id=\"99fc211\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bbe0e7 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"1bbe0e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title \">Loan for Civil Servants<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cf94bc elementor-widget elementor-widget-heading\" data-id=\"9cf94bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Applying for a Loan<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3d5c8c animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"e3d5c8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b82e2c\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-e3d5c8c\">\n                        <a href=\"#collapse-bc228306a2dde5b82e2c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b82e2c\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b82e2c\">\n                            \n                            <span class=\"ekit-accordion-title\">1. How do I apply for a loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b82e2c\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-e3d5c8c\" data-parent=\"#accordion-6a2dde5b82e2c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Our loan application process is fast and hassle-free. Within just a few minutes, you can check your eligibility and receive an indicative rate.<\/p><p>You\u2019ll need to provide basic personal details such as your employment information, monthly income, existing commitments, and education background.<\/p><p>Only if you are satisfied with the offered rate and wish to proceed, you will then be required to submit supporting documents for a formal application.<\/p><p>Please ensure all information provided is accurate, as it will be verified during the process.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-e3d5c8c\">\n                        <a href=\"#collapse-8417e716a2dde5b82e2c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b82e2c\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b82e2c\">\n                            \n                            <span class=\"ekit-accordion-title\">2. What can I use the loan for?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b82e2c\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-e3d5c8c\" data-parent=\"#accordion-6a2dde5b82e2c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You may use your loan for almost any legal purpose, including:<\/p><ul><li>Debt consolidation<\/li><li>Credit card settlement<\/li><li>Business startup or expansion<\/li><li>Medical or hospital expenses<\/li><li>Education or further studies<\/li><li>Major purchases<\/li><li>Car financing<\/li><li>Home improvement<\/li><li>Travel or vacation<\/li><li>Wedding expenses<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-e3d5c8c\">\n                        <a href=\"#collapse-3dad4e06a2dde5b82e2c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3dad4e06a2dde5b82e2c\" aria-expanded=\"false\" aria-controls=\"Collapse-3dad4e06a2dde5b82e2c\">\n                            \n                            <span class=\"ekit-accordion-title\">3. How much can I borrow and for how long?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3dad4e06a2dde5b82e2c\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-e3d5c8c\" data-parent=\"#accordion-6a2dde5b82e2c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Depending on the financing provider, you can borrow up to <strong>RM250,000<\/strong>, with flexible repayment terms ranging from <strong>1 to 10 years<\/strong>.<\/p><p>The approved loan amount depends on your credit profile, financial situation, and current commitments.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-e3d5c8c\">\n                        <a href=\"#collapse-f8f394b6a2dde5b82e2c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f8f394b6a2dde5b82e2c\" aria-expanded=\"false\" aria-controls=\"Collapse-f8f394b6a2dde5b82e2c\">\n                            \n                            <span class=\"ekit-accordion-title\">4. Is there a minimum loan amount?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f8f394b6a2dde5b82e2c\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-e3d5c8c\" data-parent=\"#accordion-6a2dde5b82e2c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, the minimum loan amount is RM3,000. For Public Islamic Bank financing, the minimum loan amount is RM5,000.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-e3d5c8c\">\n                        <a href=\"#collapse-69c611c6a2dde5b82e2c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-69c611c6a2dde5b82e2c\" aria-expanded=\"false\" aria-controls=\"Collapse-69c611c6a2dde5b82e2c\">\n                            \n                            <span class=\"ekit-accordion-title\">5. How can I change my submitted application?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-69c611c6a2dde5b82e2c\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-e3d5c8c\" data-parent=\"#accordion-6a2dde5b82e2c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Once your application has been submitted, you will not be able to make any changes directly. Please ensure all information is accurate before submission.<\/p><p>If you need to amend your loan amount, financing tenure, or personal details, kindly contact us via email<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-e3d5c8c\">\n                        <a href=\"#collapse-d13f99c6a2dde5b82e2c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d13f99c6a2dde5b82e2c\" aria-expanded=\"false\" aria-controls=\"Collapse-d13f99c6a2dde5b82e2c\">\n                            \n                            <span class=\"ekit-accordion-title\">6. How do I cancel my loan application?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d13f99c6a2dde5b82e2c\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-e3d5c8c\" data-parent=\"#accordion-6a2dde5b82e2c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>If you wish to cancel your loan application, please email us<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b9f0d8 elementor-widget elementor-widget-spacer\" data-id=\"5b9f0d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-6732a53 elementor-widget elementor-widget-heading\" data-id=\"6732a53\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Borrower Eligibility<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b397b8 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"7b397b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b8550f\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-7b397b8\">\n                        <a href=\"#collapse-bc228306a2dde5b8550f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b8550f\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b8550f\">\n                            \n                            <span class=\"ekit-accordion-title\">1. Am I eligible to apply?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b8550f\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-7b397b8\" data-parent=\"#accordion-6a2dde5b8550f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You may qualify if you meet the following criteria:<\/p><ul><li>Malaysian citizen aged <strong>20 to 58 years old<\/strong><\/li><li>Currently employed as a <strong>civil servant<\/strong><\/li><li>Minimum <strong>6 months of service<\/strong><\/li><li>Minimum monthly income of <strong>RM1,500<\/strong><\/li><li>Not declared bankrupt<\/li><li>Able to afford monthly repayments<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-7b397b8\">\n                        <a href=\"#collapse-8417e716a2dde5b8550f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b8550f\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b8550f\">\n                            \n                            <span class=\"ekit-accordion-title\">2. What documents are required?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b8550f\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-7b397b8\" data-parent=\"#accordion-6a2dde5b8550f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>To proceed with your application, you will need:<\/p><ul><li>NRIC copy (front and back)<\/li><li>Latest <strong>3 months certified payslips<\/strong><\/li><li>Employment confirmation letter<\/li><li>Latest bank statement (salary credited)<\/li><li>Utility bill (required for selected koperasi loans only)<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d61683 elementor-widget elementor-widget-spacer\" data-id=\"4d61683\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-36a6cee elementor-widget elementor-widget-heading\" data-id=\"36a6cee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Verification &amp; Disbursement<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a354fe animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"9a354fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b87b3f\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-9a354fe\">\n                        <a href=\"#collapse-bc228306a2dde5b87b3f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b87b3f\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b87b3f\">\n                            \n                            <span class=\"ekit-accordion-title\">1. How long does it take to receive the loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b87b3f\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-9a354fe\" data-parent=\"#accordion-6a2dde5b87b3f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Loan disbursement may take between <strong>2 working days to 2 weeks<\/strong>, depending on the financing provider and completeness of your documents.<\/p><ul><li>Some providers may release funds as fast as <strong>2 working days<\/strong> after successful verification<\/li><li>Others may take <strong>1\u20132 weeks<\/strong> for processing and approval<\/li><\/ul><p>Please note that processing time may vary and is not guaranteed.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-9a354fe\">\n                        <a href=\"#collapse-8417e716a2dde5b87b3f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b87b3f\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b87b3f\">\n                            \n                            <span class=\"ekit-accordion-title\">2. Which allowances are considered as income?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b87b3f\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-9a354fe\" data-parent=\"#accordion-6a2dde5b87b3f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Included as income:<\/strong><\/p><ul><li>Fixed public service salary<\/li><li>Housing allowance<\/li><li>Cost of living allowance<\/li><li>Entertainment allowance<\/li><li>Financial duty allowance<\/li><li>Education-related allowance<\/li><li>Special teaching incentives<\/li><\/ul><p><strong>Not included as income:<\/strong><\/p><ul><li>Overtime pay<\/li><li>Arrears payments<\/li><li>Uniform allowance<\/li><li>Warden allowance<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-9a354fe\">\n                        <a href=\"#collapse-d223d3d6a2dde5b87b3f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d223d3d6a2dde5b87b3f\" aria-expanded=\"false\" aria-controls=\"Collapse-d223d3d6a2dde5b87b3f\">\n                            \n                            <span class=\"ekit-accordion-title\">3. Can I include my spouse\u2019s or household income?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d223d3d6a2dde5b87b3f\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-9a354fe\" data-parent=\"#accordion-6a2dde5b87b3f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. Only your <strong>personal income<\/strong> will be considered for this loan.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aed847d elementor-widget elementor-widget-spacer\" data-id=\"aed847d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-a38c8d0 elementor-widget elementor-widget-heading\" data-id=\"a38c8d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Rates &amp; Fees<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5278ae animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"b5278ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b8a080\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-b5278ae\">\n                        <a href=\"#collapse-bc228306a2dde5b8a080\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b8a080\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b8a080\">\n                            \n                            <span class=\"ekit-accordion-title\">1. Are there any upfront fees?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b8a080\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-b5278ae\" data-parent=\"#accordion-6a2dde5b8a080\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. There are <strong>no upfront or processing fees<\/strong> charged to borrowers.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-b5278ae\">\n                        <a href=\"#collapse-8417e716a2dde5b8a080\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b8a080\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b8a080\">\n                            \n                            <span class=\"ekit-accordion-title\">2. What is the profit rate?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b8a080\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-b5278ae\" data-parent=\"#accordion-6a2dde5b8a080\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The profit rate is determined by the financing provider based on your credit profile and financial behaviour.<\/p><p>Indicative rates include:<\/p><ul><li>Lower rates for higher income brackets<\/li><li>Different rates depending on loan amount and tenure<\/li><li>Rates typically range depending on the provider and package<\/li><\/ul><p>The exact rate will be clearly disclosed before you accept the loan.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-b5278ae\">\n                        <a href=\"#collapse-d223d3d6a2dde5b8a080\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d223d3d6a2dde5b8a080\" aria-expanded=\"false\" aria-controls=\"Collapse-d223d3d6a2dde5b8a080\">\n                            \n                            <span class=\"ekit-accordion-title\">3. What is the final amount I will receive?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d223d3d6a2dde5b8a080\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-b5278ae\" data-parent=\"#accordion-6a2dde5b8a080\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The final disbursed amount depends on your approved financing and may include deductions such as:<\/p><ul><li>Stamp duty<\/li><li>Insurance (if applicable)<\/li><li>Administrative charges<\/li><li>Advance instalments (for selected providers)<\/li><\/ul><p>Payout percentages vary by provider but will be clearly explained before acceptance.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-b5278ae\">\n                        <a href=\"#collapse-50bd90b6a2dde5b8a080\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-50bd90b6a2dde5b8a080\" aria-expanded=\"false\" aria-controls=\"Collapse-50bd90b6a2dde5b8a080\">\n                            \n                            <span class=\"ekit-accordion-title\">4. Is advance instalment required?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-50bd90b6a2dde5b8a080\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-b5278ae\" data-parent=\"#accordion-6a2dde5b8a080\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, for certain financing providers:<\/p><ul><li>Some require <strong>1 month advance payment<\/strong><\/li><li>Others may require <strong>2\u20133 months<\/strong>, which will be deducted from your loan amount<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-b5278ae\">\n                        <a href=\"#collapse-573a7d66a2dde5b8a080\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-573a7d66a2dde5b8a080\" aria-expanded=\"false\" aria-controls=\"Collapse-573a7d66a2dde5b8a080\">\n                            \n                            <span class=\"ekit-accordion-title\">5. What happens if I miss a payment?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-573a7d66a2dde5b8a080\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-b5278ae\" data-parent=\"#accordion-6a2dde5b8a080\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Late payments will incur <strong>late payment charges<\/strong> as stated in your financing agreement.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97775f4 elementor-widget elementor-widget-spacer\" data-id=\"97775f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-f8bf375 elementor-widget elementor-widget-heading\" data-id=\"f8bf375\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Repayment<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2d07fe animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"a2d07fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b8c8af\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-a2d07fe\">\n                        <a href=\"#collapse-bc228306a2dde5b8c8af\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b8c8af\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b8c8af\">\n                            \n                            <span class=\"ekit-accordion-title\">1. How do I repay the loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b8c8af\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-a2d07fe\" data-parent=\"#accordion-6a2dde5b8c8af\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Repayments are made monthly through <strong>automatic salary deductions<\/strong>, processed via:<\/p><ul><li>Accountant General\u2019s Department<\/li><li>ANGKASA (Angkatan Koperasi Kebangsaan Malaysia Berhad)<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-a2d07fe\">\n                        <a href=\"#collapse-8417e716a2dde5b8c8af\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b8c8af\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b8c8af\">\n                            \n                            <span class=\"ekit-accordion-title\">2. Can I settle my loan early?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b8c8af\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-a2d07fe\" data-parent=\"#accordion-6a2dde5b8c8af\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, early settlement is allowed.<\/p><p>Financing providers may, at their discretion, offer a <strong>rebate (ibra\u2019) for early repayment<\/strong>.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\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-1006346 e-con-full sticky-section e-flex e-con e-child\" data-id=\"1006346\" data-element_type=\"container\" data-e-type=\"container\" id=\"autoservice\">\n\t\t<div class=\"elementor-element elementor-element-19ab8ad e-con-full e-flex e-con e-child\" data-id=\"19ab8ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a97f5ab elementor-widget elementor-widget-spacer\" data-id=\"a97f5ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<div class=\"elementor-element elementor-element-66b6dc5 e-con-full e-flex e-con e-child\" data-id=\"66b6dc5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1604165 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"1604165\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title \">Auto Service Financing<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b93b89c animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"b93b89c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b90670\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-b93b89c\">\n                        <a href=\"#collapse-bc228306a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">What is this auto service financing about?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>LK Solution\u2019s Auto Service Financing (Service Car Now, Pay Later) is a Shariah-compliant, unsecured financing facility designed specifically for vehicle servicing and repair expenses.<\/p><p>The approved financing amount will be paid directly to the workshop partner under LK Solution\u2019s designated service platform network. The facility is based on a fixed profit rate, resulting in fixed monthly instalments throughout the selected financing tenure.<\/p><p>With this facility, you can repair or service your vehicle immediately and spread your payments over instalments of up to 12 months.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-b93b89c\">\n                        <a href=\"#collapse-8417e716a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the Shariah concept applicable to this financing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"qMYqUG_convSearchResultHighlightRoot\"><div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"text-base my-auto mx-auto pb-3 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\"><div class=\"flex max-w-full flex-col gap-4 grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\"><div class=\"flex w-full flex-col gap-1 empty:hidden\"><div class=\"markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"><p>This financing facility is based on the Shariah concept of Commodity Murabahah via Tawarruq. It involves a sale and purchase arrangement between LK Solution and the customer, where a Shariah-compliant commodity is used as the underlying asset for the transaction.<\/p><p>Under this arrangement, the commodity is bought and sold in accordance with Shariah principles to facilitate the disbursement of funds under the financing facility.<\/p><\/div><\/div><\/div><\/div><div class=\"z-0 flex min-h-[46px] justify-start\">\u00a0<\/div><div class=\"mt-3 w-full empty:hidden\"><div class=\"text-center\">\u00a0<\/div><\/div><\/div><\/div><div class=\"contents\">\u00a0<\/div><\/div><\/div><\/div><div class=\"pointer-events-none -mt-px h-px translate-y-[calc(var(--scroll-root-safe-area-inset-bottom)-14*var(--spacing))]\">\u00a0<\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-b93b89c\">\n                        <a href=\"#collapse-0bd2a676a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0bd2a676a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-0bd2a676a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">What documents are required to apply for this financing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0bd2a676a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Besides providing your basic personal information, you will only need to prepare the following documents:<\/p><ul><li>A photo of your NRIC (front and back)<\/li><li>Bank statements for the last 3 months (main account used to receive your income, such as salary)<\/li><\/ul><p>You may also refer to our guide on how to download your bank statements.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-b93b89c\">\n                        <a href=\"#collapse-c07b87d6a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c07b87d6a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-c07b87d6a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">Who is eligible for this financing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c07b87d6a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>This financing is available to Malaysian citizens aged between 18 and 65 years old. Applicants must also have an active bank account. Please note that having a credit card is not required.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-b93b89c\">\n                        <a href=\"#collapse-da180676a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-da180676a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-da180676a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">How long does it take for the financing to be approved?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-da180676a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You can receive your pre-qualification results within seconds based on your credit profile. Once you have submitted all required documents, the final approval decision and approved amount can be received in as fast as 15 minutes during working hours.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-b93b89c\">\n                        <a href=\"#collapse-274054c6a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-274054c6a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-274054c6a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">When can I get my car repaired or serviced after my financing is approved?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-274054c6a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Once you receive pre-approval, you may use the facility within 1 month.<\/p><p>After understanding your instalment amount, you can plan ahead and book an appointment or visit any participating workshop under the programme.<\/p><p>You may also apply directly at the workshop if you find that you need additional funding for your car repair. In such cases, pre-approval results can be provided in as fast as 15 minutes during working hours.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-b93b89c\">\n                        <a href=\"#collapse-f8c42986a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f8c42986a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-f8c42986a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the profit rate involved?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f8c42986a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"contents\"><div class=\"\"><div class=\"relative w-full overflow-visible\">\u00a0<\/div><\/div><div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\"><div class=\"flex max-w-full flex-col gap-4 grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\"><div class=\"flex w-full flex-col gap-1 empty:hidden\"><div class=\"markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"><p>The profit rate is 1.5% per month. There are no processing fees for this financing.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-b93b89c\">\n                        <a href=\"#collapse-37071516a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-37071516a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-37071516a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the financing amount and tenure range?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-37071516a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The financing amount ranges from a minimum of RM300 up to a maximum of RM5,000. The repayment period is available from 3 to 12 months.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-b93b89c\">\n                        <a href=\"#collapse-66643786a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-66643786a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-66643786a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">Do I need to go to the financier to sign the contract?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-66643786a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No physical visit is required. The contract will be completed digitally via your mobile phone after the service is done and once you choose to use your pre-approved facility.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-b93b89c\">\n                        <a href=\"#collapse-22ff3bd6a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-22ff3bd6a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-22ff3bd6a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">Do I need a guarantor or collateral?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-22ff3bd6a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"contents\">No, this facility does not require any guarantor or collateral.<\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-b93b89c\">\n                        <a href=\"#collapse-57572936a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-57572936a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-57572936a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">How will the financing be disbursed?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-57572936a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"contents\">The financing amount will be paid directly to the workshop. Once the agreement is signed, the financier will disburse the payment within 3 days to cover your car service or repair bill.<\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-b93b89c\">\n                        <a href=\"#collapse-89f91cb6a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-89f91cb6a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-89f91cb6a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">How do I pay the monthly instalments?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-89f91cb6a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>After signing the financing agreement on LK Solution\u2019s platform, you will set up an eMandate for auto-debit from your bank account with a licensed financial institution in Malaysia.<\/p><p>Your monthly instalments will then be automatically deducted from your account on the same date each month throughout the financing tenure.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-b93b89c\">\n                        <a href=\"#collapse-12bed0c6a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-12bed0c6a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-12bed0c6a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">What happens if I am late with my payments?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-12bed0c6a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><br \/>If you miss or delay any monthly instalment or other payable amount, a late payment charge of 8% per annum will be applied. This consists of a 1% compensation (Ta\u2019widh) and a 7% penalty (Gharamah), which will be channelled to charitable organisations.<\/p><p>The late payment charge is not compounded.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-13-b93b89c\">\n                        <a href=\"#collapse-90164816a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-90164816a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-90164816a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">   What if I fully settle the financing before maturity?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-90164816a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-13-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"\"><div class=\"relative w-full overflow-visible\">\u00a0<\/div><\/div><div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\"><div class=\"flex max-w-full flex-col gap-4 grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\"><div class=\"flex w-full flex-col gap-1 empty:hidden\"><div class=\"markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"><p>You may make an early settlement before the end of the instalment tenure by providing LK Solution with one week\u2019s prior written notice.<\/p><p>An early settlement rebate will be given on the remaining deferred profit.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-14-b93b89c\">\n                        <a href=\"#collapse-164ccec6a2dde5b90670\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-164ccec6a2dde5b90670\" aria-expanded=\"false\" aria-controls=\"Collapse-164ccec6a2dde5b90670\">\n                            \n                            <span class=\"ekit-accordion-title\">I\u2019m a workshop owner and interested in offering this financing to my customers. What should I do?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-164ccec6a2dde5b90670\" class=\" collapse\" aria-labelledby=\"primaryHeading-14-b93b89c\" data-parent=\"#accordion-6a2dde5b90670\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Please complete the simple registration form, and our team will get in touch with you within 1 working day.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a028a27 elementor-widget elementor-widget-spacer\" data-id=\"a028a27\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-1ee5e51 elementor-widget elementor-widget-spacer\" data-id=\"1ee5e51\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-652199f e-con-full sticky-section e-flex e-con e-child\" data-id=\"652199f\" data-element_type=\"container\" data-e-type=\"container\" id=\"cartakaful\">\n\t\t<div class=\"elementor-element elementor-element-5a13aa1 e-con-full e-flex e-con e-child\" data-id=\"5a13aa1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93c9ee3 elementor-widget elementor-widget-spacer\" data-id=\"93c9ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<div class=\"elementor-element elementor-element-f39f276 e-con-full e-flex e-con e-child\" data-id=\"f39f276\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ed4d82 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"4ed4d82\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title \">Car Takaful Instalment Plan<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2937b02 elementor-widget elementor-widget-heading\" data-id=\"2937b02\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" 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\">Applying for a Loan<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df7f03c animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"df7f03c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b96edc\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-df7f03c\">\n                        <a href=\"#collapse-bc228306a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the Car Takaful Instalment Plan about?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><br \/>LK Solution\u2019s Car Takaful Instalment Plan (Renew Now, Pay Later) is a Shariah-compliant, unsecured financing facility designed specifically for car takaful renewal.<\/p><p>The approved amount will be paid directly to the participating takaful provider where your policy is renewed, provided the provider is part of LK Solution\u2019s designated partner network.<\/p><p>The facility is based on a fixed profit rate, resulting in fixed monthly instalments throughout the selected tenure. This allows you to renew your car takaful immediately and repay the cost over instalments of up to 12 months.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-df7f03c\">\n                        <a href=\"#collapse-8417e716a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the Shariah concept applicable for this financing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><br \/>This financing is based on the Shariah concept of Commodity Murabahah via Tawarruq. It involves a buy-and-sell arrangement between LK Solution and the customer, where a Shariah-compliant commodity is identified and used as the underlying asset for the transaction.<\/p><p>The structured sale and purchase process is carried out to facilitate the disbursement of funds under the financing facility in accordance with Shariah principles.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-df7f03c\">\n                        <a href=\"#collapse-3851cef6a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3851cef6a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-3851cef6a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">What documents are required to apply for this financing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3851cef6a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>In addition to providing your basic personal details, you will only need to submit the following:<\/p><ul><li>A photo of your NRIC (front and back)<\/li><li>Bank statements for the past 3 months (main account where your income, such as salary, is credited)<\/li><\/ul><p>You may also refer to our guide on how to download your bank statements here.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-df7f03c\">\n                        <a href=\"#collapse-581e92e6a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-581e92e6a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-581e92e6a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">Who is eligible for this financing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-581e92e6a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><br \/>This financing is open to Malaysian citizens aged between 18 and 65 years old. Applicants must have an active bank account. Please note that a credit card is not required.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-df7f03c\">\n                        <a href=\"#collapse-dacec6e6a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-dacec6e6a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-dacec6e6a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">How long does it take for the financing to be approved?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-dacec6e6a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"qMYqUG_convSearchResultHighlightRoot\"><div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\"><div class=\"flex max-w-full flex-col gap-4 grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\"><div class=\"flex w-full flex-col gap-1 empty:hidden\"><div class=\"markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"><p><br \/>You can receive your pre-qualification results within seconds based on your credit profile. After submitting all required documents, the final approval result and approved amount can be obtained in as fast as 15 minutes during working hours.<\/p><\/div><\/div><\/div><\/div><div class=\"z-0 flex min-h-[46px] justify-start\">\u00a0<\/div><div class=\"mt-3 w-full empty:hidden\"><div class=\"text-center\">\u00a0<\/div><\/div><\/div><\/div><div class=\"contents\">\u00a0<\/div><\/div><\/div><\/div><div class=\"pointer-events-none -mt-px h-px translate-y-[calc(var(--scroll-root-safe-area-inset-bottom)-14*var(--spacing))]\">\u00a0<\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-df7f03c\">\n                        <a href=\"#collapse-d2693c96a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d2693c96a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-d2693c96a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">When can I renew my car takaful after my financing application has been approved?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d2693c96a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Once you receive pre-approval, you may use the facility within 2 weeks.<\/p><p>After understanding your estimated instalment amount, you can plan ahead and obtain a quotation from any participating car takaful provider under the programme.<\/p><p>You may also apply directly at the car takaful provider if you find that you require additional funding for your takaful renewal. In such cases, pre-approval results can be provided in as fast as 15 minutes during working<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-df7f03c\">\n                        <a href=\"#collapse-93ceed16a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-93ceed16a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-93ceed16a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the profit rate involved?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-93ceed16a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The profit rate is 1.5% per month. There are no processing fees charged for this financing.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-df7f03c\">\n                        <a href=\"#collapse-c5801e06a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c5801e06a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-c5801e06a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the financing amount and tenure range?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c5801e06a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"contents\"><div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"contents\">The financing amount ranges from RM300 (minimum) to RM5,000 (maximum). The repayment period is available from 3 to 12 monthly instalments.<\/div><\/div><\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-df7f03c\">\n                        <a href=\"#collapse-d97fd3b6a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d97fd3b6a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-d97fd3b6a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">Do I need to go to LK Solution\u2019s office to sign the agreement?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d97fd3b6a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No, you do not need to visit the office. The agreement will be completed digitally via your mobile phone after the service is completed and once you choose to proceed with the approved facility.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-df7f03c\">\n                        <a href=\"#collapse-cb6e5736a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-cb6e5736a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-cb6e5736a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">Do I need a guarantor or collateral?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-cb6e5736a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No, this facility does not require any guarantor or collateral.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-df7f03c\">\n                        <a href=\"#collapse-942c3fc6a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-942c3fc6a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-942c3fc6a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">How will the financing be disbursed?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-942c3fc6a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>LK Solution will disburse the approved financing amount directly to the car takaful provider within 3 days after the financing agreement is signed.<\/p><p>If the approved amount is insufficient to fully cover your takaful quotation, you will need to pay the remaining balance directly to the takaful provider before the policy can be issued.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-df7f03c\">\n                        <a href=\"#collapse-24a31736a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-24a31736a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-24a31736a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">   How do I pay the monthly instalments?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-24a31736a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"\"><div class=\"relative w-full overflow-visible\">\u00a0<\/div><\/div><div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\"><div class=\"flex max-w-full flex-col gap-4 grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\"><div class=\"flex w-full flex-col gap-1 empty:hidden\"><div class=\"markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"><p>Before signing the financing agreement on LK Solution\u2019s platform, you will set up an eMandate to enable auto-debit from your bank account with a licensed financial institution in Malaysia.<\/p><p>Your monthly instalments will then be automatically deducted from your account on the due dates stated in the financing agreement.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-df7f03c\">\n                        <a href=\"#collapse-bd635016a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bd635016a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-bd635016a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">What happens if I am late with my payments?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bd635016a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><br \/>If you fail to pay any monthly instalment or other payable amount by the due date, a late payment charge of 8% per annum will apply. This consists of a 1% compensation (Ta\u2019widh) and a 7% penalty (Gharamah), which will be channelled to charitable organisations.<\/p><p>The late payment charge will not be compounded.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-13-df7f03c\">\n                        <a href=\"#collapse-69fd5b66a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-69fd5b66a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-69fd5b66a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">What if I fully settle the financing before maturity?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-69fd5b66a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-13-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You may make an early settlement before the end of the instalment tenure by providing LK Solution with one week\u2019s prior written notice.<\/p><p>A rebate on the remaining deferred profit may be granted for early settlement.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-14-df7f03c\">\n                        <a href=\"#collapse-2d8402a6a2dde5b96edc\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2d8402a6a2dde5b96edc\" aria-expanded=\"false\" aria-controls=\"Collapse-2d8402a6a2dde5b96edc\">\n                            \n                            <span class=\"ekit-accordion-title\">I\u2019m a car takaful provider and interested in offering this financing to my customers. What should I do?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2d8402a6a2dde5b96edc\" class=\" collapse\" aria-labelledby=\"primaryHeading-14-df7f03c\" data-parent=\"#accordion-6a2dde5b96edc\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Please complete the simple form, and our team will contact you within 1 working day.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-732cca8 elementor-widget elementor-widget-spacer\" data-id=\"732cca8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-babaf27 elementor-widget elementor-widget-spacer\" data-id=\"babaf27\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3e4787 e-con-full sticky-section e-flex e-con e-child\" data-id=\"d3e4787\" data-element_type=\"container\" data-e-type=\"container\" id=\"smemicro\">\n\t\t<div class=\"elementor-element elementor-element-ba2db3d e-con-full e-flex e-con e-child\" data-id=\"ba2db3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e89aa7 elementor-widget elementor-widget-spacer\" data-id=\"2e89aa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<div class=\"elementor-element elementor-element-40dffda e-con-full e-flex e-con e-child\" data-id=\"40dffda\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-230121e animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"230121e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"ekit-heading--title elementskit-section-title \">SME Micro Financing<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb3177 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"5bb3177\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a2dde5b9d0de\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-5bb3177\">\n                        <a href=\"#collapse-bc228306a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bc228306a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-bc228306a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the SME Micro Loan \/ Financing (Islamic or Conventional) about?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bc228306a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><br \/>This is a micro financing product designed to support SMEs by providing access to credit for business expansion and working capital needs.<\/p><p>The SME Micro Loan \/ Financing (Islamic or Conventional) is offered by LK Solution\u2019s licensed financing partners. Applying through LK Solution is completely free, and no upfront payment or deposit is required.<\/p><p>You may choose between Islamic or conventional financing options based on your preference.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-5bb3177\">\n                        <a href=\"#collapse-8417e716a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8417e716a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-8417e716a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the interest or profit rate charged?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8417e716a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"contents\">The interest or profit rate ranges from 0.8% to 1.5% per month, subject to approval.<\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-5bb3177\">\n                        <a href=\"#collapse-3a5f3b86a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3a5f3b86a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-3a5f3b86a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">   What fees or costs are involved for this SME Micro Loan \/ Financing (Islamic or Conventional)?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3a5f3b86a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"\"><div class=\"relative w-full overflow-visible\">\u00a0<\/div><\/div><div class=\"\"><div class=\"relative w-full overflow-visible\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\"><div class=\"flex max-w-full flex-col gap-4 grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\"><div class=\"flex w-full flex-col gap-1 empty:hidden\"><div class=\"markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"><p>The application is completely free, and no upfront payment or deposit is required.<\/p><p>A 10% processing fee (inclusive of stamp duty and guarantee fee) will be deducted from the loan or financing amount upon disbursement.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-5bb3177\">\n                        <a href=\"#collapse-65b2eb26a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-65b2eb26a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-65b2eb26a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">How much can I borrow and what is the repayment period?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-65b2eb26a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The amount you are eligible to apply for depends on factors such as your business income, existing debt commitments, and credit history.<\/p><p>The financing amount can go up to RM200,000, with flexible repayment terms ranging from 6 to 18 months.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-5bb3177\">\n                        <a href=\"#collapse-4288d6d6a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4288d6d6a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-4288d6d6a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">What are the requirements to apply for SME Micro Loan \/ Financing (Islamic or Conventional)?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4288d6d6a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>To be eligible, you must have a business registered with SSM under one of the following categories:<\/p><ul><li>Sole proprietorship<\/li><li>Partnership \/ Limited Liability Partnership (LLP)<\/li><li>Private Limited Company (Sdn. Bhd.)<\/li><\/ul><p>Additional requirements include:<\/p><ul><li>Minimum 6 months in business operations<\/li><li>Minimum monthly business income or revenue of RM5,000<\/li><li>No outstanding legal actions<\/li><li>Not declared bankrupt<\/li><\/ul><p><strong>Important note:<\/strong><br \/>Conventional SME Micro Loan \/ Financing is only applicable for businesses involved in the following activities:<\/p><ul><li>Alcohol<\/li><li>Gambling<\/li><li>Pornography<\/li><li>Tobacco and dangerous drugs<\/li><li>Entertainment-related businesses (e.g. karaoke lounges serving alcohol, certain film production houses, cinemas screening entertainment content)<\/li><li>Pork and pork by-products<\/li><li>Non-permissible food under Islamic teachings (e.g. frogs, snakes, crocodiles)<\/li><li>Non-Shariah compliant massage centres (opposite gender services)<\/li><li>Prostitution<\/li><li>Interest-based lending (including credit sales with interest charges)<\/li><li>Conventional insurance and unit trust agencies<\/li><li>Production or distribution of idols, statues, and places of worship other than Allah<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-5bb3177\">\n                        <a href=\"#collapse-90840676a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-90840676a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-90840676a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">What documents do I need to prepare to apply for SME Micro Loan \/ Financing (Islamic or Conventional)?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-90840676a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Compulsory documents:<\/strong><\/p><ul><li>Copy of NRIC (front and back):<ul><li>Sole proprietorship: owner<\/li><li>Partnership \/ LLP: all partners<\/li><li>Sdn. Bhd.: all directors<\/li><\/ul><\/li><li>Latest 6 months bank statements (must be original PDF copy; scanned, screenshot, or photo copies are not accepted)<\/li><\/ul><p><strong>Optional documents:<\/strong><\/p><ul><li>Business license<\/li><li>Latest 2 years of personal income tax assessment<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-5bb3177\">\n                        <a href=\"#collapse-0ce54476a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0ce54476a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-0ce54476a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">Do I need to provide any collateral or guarantor to apply for SME Micro Loan \/ Financing (Islamic or Conventional)?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0ce54476a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No collateral or guarantor is required. This is an unsecured financing facility, which means you do not need to pledge any assets to apply.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-5bb3177\">\n                        <a href=\"#collapse-c4d15586a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c4d15586a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-c4d15586a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">How long is the process?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c4d15586a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>You will receive an approval decision within 3\u20134 working days after submitting all complete documents. Once the agreement is signed online, the financing will be disbursed within 2 working days.<\/p><p>While every effort is made to meet these timelines, processing time may vary depending on circumstances, including the completeness and accuracy of the information provided by the applicant.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-5bb3177\">\n                        <a href=\"#collapse-d16275d6a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d16275d6a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-d16275d6a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">Can I make an early settlement?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d16275d6a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Islamic SME Micro Financing<\/strong><br \/>Yes, early settlement is allowed.<\/p><p><strong>Conventional SME Micro Loan \/ Financing<\/strong><br \/>Yes, early repayment is allowed; however, a 2% early settlement fee will be charged on the remaining principal amount.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-5bb3177\">\n                        <a href=\"#collapse-264711d6a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-264711d6a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-264711d6a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">What happens if I can\u2019t make my payment on time?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-264711d6a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Islamic SME Micro Financing<\/strong><br \/>If you are late in your repayments, the following charges will apply:<\/p><ul><li>Up to 10% per annum late payment charges on the overdue amount<\/li><li>This consists of 1% per annum compensation (Ta\u2019widh) and 9% per annum penalty (Gharamah)<\/li><li>The charges are not compounded<\/li><\/ul><p><strong>Conventional SME Micro Loan \/ Financing<\/strong><br \/>If you are late in your repayments, the following charges will apply:<\/p><ul><li>Late penalty fee: RM200 per repayment cycle<\/li><li>Late interest fee: 0.1% per day on the outstanding amount (non-compounded)<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-5bb3177\">\n                        <a href=\"#collapse-6b535c26a2dde5b9d0de\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6b535c26a2dde5b9d0de\" aria-expanded=\"false\" aria-controls=\"Collapse-6b535c26a2dde5b9d0de\">\n                            \n                            <span class=\"ekit-accordion-title\">Accordion Item<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-chevron-right\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-cross\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6b535c26a2dde5b9d0de\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-5bb3177\" data-parent=\"#accordion-6a2dde5b9d0de\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f2ab0b elementor-widget elementor-widget-spacer\" data-id=\"7f2ab0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\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-3578da1 elementor-widget elementor-widget-spacer\" data-id=\"3578da1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<\/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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>frequently asked questions Got questions? This way. Everything you need to know about GW General questions Loan For Private Sector Loan For Civil Servants Auto Service Financing Car Takaful Instalment Plan SME Micro Financing General questions: 1. Who is a licensed moneylender? A licensed moneylender is authorized by the Ministry of Local Government Development (KPKT) [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-24481","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Faq - Personal Loan Malaysia | Licensed Money Lender<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/redzo.com.my\/gw\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Faq - Personal Loan Malaysia | Licensed Money Lender\" \/>\n<meta property=\"og:description\" content=\"frequently asked questions Got questions? This way. Everything you need to know about GW General questions Loan For Private Sector Loan For Civil Servants Auto Service Financing Car Takaful Instalment Plan SME Micro Financing General questions: 1. Who is a licensed moneylender? A licensed moneylender is authorized by the Ministry of Local Government Development (KPKT) [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/redzo.com.my\/gw\/faq\/\" \/>\n<meta property=\"og:site_name\" content=\"Personal Loan Malaysia | Licensed Money Lender\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-17T14:55:46+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"18 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/redzo.com.my\\\/gw\\\/faq\\\/\",\"url\":\"https:\\\/\\\/redzo.com.my\\\/gw\\\/faq\\\/\",\"name\":\"Faq - Personal Loan Malaysia | Licensed Money Lender\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/redzo.com.my\\\/gw\\\/#website\"},\"datePublished\":\"2023-11-23T14:20:30+00:00\",\"dateModified\":\"2026-05-17T14:55:46+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/redzo.com.my\\\/gw\\\/faq\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/redzo.com.my\\\/gw\\\/faq\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/redzo.com.my\\\/gw\\\/faq\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/redzo.com.my\\\/gw\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Faq\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/redzo.com.my\\\/gw\\\/#website\",\"url\":\"https:\\\/\\\/redzo.com.my\\\/gw\\\/\",\"name\":\"Personal Loan Malaysia | Licensed Money Lender\",\"description\":\"Licensed Money Lender Malaysia Personal Loan\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/redzo.com.my\\\/gw\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Faq - Personal Loan Malaysia | Licensed Money Lender","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/redzo.com.my\/gw\/faq\/","og_locale":"en_US","og_type":"article","og_title":"Faq - Personal Loan Malaysia | Licensed Money Lender","og_description":"frequently asked questions Got questions? This way. Everything you need to know about GW General questions Loan For Private Sector Loan For Civil Servants Auto Service Financing Car Takaful Instalment Plan SME Micro Financing General questions: 1. Who is a licensed moneylender? A licensed moneylender is authorized by the Ministry of Local Government Development (KPKT) [&hellip;]","og_url":"https:\/\/redzo.com.my\/gw\/faq\/","og_site_name":"Personal Loan Malaysia | Licensed Money Lender","article_modified_time":"2026-05-17T14:55:46+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"18 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/redzo.com.my\/gw\/faq\/","url":"https:\/\/redzo.com.my\/gw\/faq\/","name":"Faq - Personal Loan Malaysia | Licensed Money Lender","isPartOf":{"@id":"https:\/\/redzo.com.my\/gw\/#website"},"datePublished":"2023-11-23T14:20:30+00:00","dateModified":"2026-05-17T14:55:46+00:00","breadcrumb":{"@id":"https:\/\/redzo.com.my\/gw\/faq\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/redzo.com.my\/gw\/faq\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/redzo.com.my\/gw\/faq\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/redzo.com.my\/gw\/"},{"@type":"ListItem","position":2,"name":"Faq"}]},{"@type":"WebSite","@id":"https:\/\/redzo.com.my\/gw\/#website","url":"https:\/\/redzo.com.my\/gw\/","name":"Personal Loan Malaysia | Licensed Money Lender","description":"Licensed Money Lender Malaysia Personal Loan","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/redzo.com.my\/gw\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/redzo.com.my\/gw\/wp-json\/wp\/v2\/pages\/24481","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/redzo.com.my\/gw\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/redzo.com.my\/gw\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/redzo.com.my\/gw\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/redzo.com.my\/gw\/wp-json\/wp\/v2\/comments?post=24481"}],"version-history":[{"count":118,"href":"https:\/\/redzo.com.my\/gw\/wp-json\/wp\/v2\/pages\/24481\/revisions"}],"predecessor-version":[{"id":26170,"href":"https:\/\/redzo.com.my\/gw\/wp-json\/wp\/v2\/pages\/24481\/revisions\/26170"}],"wp:attachment":[{"href":"https:\/\/redzo.com.my\/gw\/wp-json\/wp\/v2\/media?parent=24481"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}