{"id":22,"date":"2026-03-13T02:55:29","date_gmt":"2026-03-13T02:55:29","guid":{"rendered":"https:\/\/finance.xanderia.com\/?page_id=22"},"modified":"2026-03-31T07:57:21","modified_gmt":"2026-03-31T07:57:21","slug":"kanz-prihatin-pembiayaan-peribadi","status":"publish","type":"page","link":"https:\/\/finance.xanderia.com\/my\/kanz-prihatin-pembiayaan-peribadi\/","title":{"rendered":"Kanz Prihatin"},"content":{"rendered":"<div id='av_section_1'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-full-stretch av-section-color-overlay-active avia-bg-style-fixed  avia-builder-el-0  el_before_av_section  avia-builder-el-first   av-minimum-height av-minimum-height-75  container_wrap sidebar_right' style='background-color: #ffffff; background-repeat: no-repeat; background-image: url(https:\/\/finance.xanderia.com\/wp-content\/uploads\/sites\/3\/2026\/03\/iStock-1063002528-copy.jpg);background-attachment: fixed; background-position: top center;  '  data-section-bg-repeat='stretch' data-av_minimum_height_pc='75'><div class='av-section-color-overlay-wrap'><div class='av-section-color-overlay' style='opacity: 0.4; background-color: #000000; '><\/div><div class='container' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-1  el_before_av_three_fifth  avia-builder-el-first\" style='border-radius:0px; '><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   avia-builder-el-2  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><p><div  style='padding-bottom:10px; color:#ffffff;' class='av-special-heading av-special-heading-h1 custom-color-heading   avia-builder-el-3  el_before_av_hr  avia-builder-el-first'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >Islamic Personal Financing Application For Civil Servant<\/h1><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div><br \/>\n<div  style=' margin-top:5px; margin-bottom:0px;'  class='hr hr-custom hr-center hr-icon-no   avia-builder-el-4  el_after_av_heading  el_before_av_textblock'><span class='hr-inner  inner-border-av-border-none' style=' width:50px;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  av_inherit_color'  style='color:#ffffff; '  itemprop=\"text\" ><h4>Apply For Islamic Personal Financing Easily With Xanderia&#8217;s Mobile App<\/h4>\n<\/div><\/section><br \/>\n<div  style=' margin-top:5px; margin-bottom:0px;'  class='hr hr-custom hr-center hr-icon-no   avia-builder-el-6  el_after_av_textblock  el_before_av_button'><span class='hr-inner  inner-border-av-border-none' style=' width:50px;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<div  id=\"my-anchor5\"  class='avia-button-wrap avia-button-left  avia-builder-el-7  el_after_av_hr  avia-builder-el-last' ><a href='#my-anchor5'  class='avia-button  avia-font-color-theme-color  avia-icon_select-no avia-size-x-large avia-position-left'  style='background-color:#18c9bd; border-color:#18c9bd; ' ><span class='avia_iconbox_title' >DOWNLOAD NOW<\/span><span class='avia_button_background avia-button avia-color-theme-color-highlight' ><\/span><\/a><\/div><\/p><\/div><div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding   avia-builder-el-8  el_after_av_three_fifth  avia-builder-el-last\" style='border-radius:0px; '><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div id='av_section_2'  class='avia-section main_color avia-section-large avia-no-border-styling  avia-bg-style-fixed  avia-builder-el-9  el_after_av_section  el_before_av_button   av-arrow-down-section container_wrap sidebar_right' style='background-color: #f8f8f8;  '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_fifth  flex_column_div first  avia-builder-el-10  el_before_av_three_fifth  avia-builder-el-first\" ><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   avia-builder-el-11  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><p><div  id=\"howtoapply\"  style='padding-bottom:10px; ' class='av-special-heading av-special-heading-h2  blockquote modern-quote modern-centered  avia-builder-el-12  el_before_av_textblock  avia-builder-el-first'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >How to Apply?<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  style='font-size:16px; '  itemprop=\"text\" ><p style=\"text-align: center;\">Financing at the end of your fingertips! Apply for funds through your smartphone.<\/p>\n<\/div><\/section><\/p><\/div><div class=\"flex_column av_one_fifth  flex_column_div   avia-builder-el-14  el_after_av_three_fifth  el_before_av_three_fifth\" ><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-15  el_after_av_one_fifth  el_before_av_two_fifth  column-top-margin\" style='border-radius:0px; ' id=\"my-anchor5\" ><div  class='avia-icon-list-container   avia-builder-el-16  avia-builder-el-no-sibling'><ul class='avia-icon-list avia-icon-list-left av-iconlist-big avia_animate_when_almost_visible avia-iconlist-animate'>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue82d' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >Step 1<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Download and Launch the <a href=\"#appdownload\">Xanderia Shariah Financing App<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue840' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >Step 2<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Complete Application Process (MyKad verification and upload of 3 months Official Payslip in PDF format)<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue84b' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >Step 3<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Preliminary Approval (Review of Financing Agreements and Acceptance via e-signature)<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue851' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >Step 4<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Complete BPA Process (Download BPA form and checklist for hard copy submission)<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  style='background-color:#f7f7f7; border:1px solid #007ac0; color:#007ac0; ' class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue82b' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title'  itemprop=\"headline\"  >Step 5<\/h4><\/header><div class='iconlist_content'  itemprop=\"text\"  ><p>Final approval and Cash Credited to Your Account*<\/p>\n<p>* Terms &amp; Condition apply<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<\/ul><\/div><\/div><div class=\"flex_column av_two_fifth  flex_column_div   avia-builder-el-17  el_after_av_three_fifth  avia-builder-el-last  column-top-margin\" ><div  class='avia-icon-list-container   avia-builder-el-18  avia-builder-el-no-sibling'><ul class='avia-icon-list avia-icon-list-left av-iconlist-small avia_animate_when_almost_visible avia-iconlist-animate'>\n<li><div  class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue80a' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><div class='av_iconlist_title iconlist_title_small'  itemprop=\"headline\"  >Eligibility<\/div><\/header><div class='iconlist_content'  itemprop=\"text\"  ><ul>\n<li>Malaysian Civil Servant in a Permanent Position (working for a minimum of 12 months)<\/li>\n<\/ul>\n<ul>\n<li>Minimum age of 18 years and maximum 60 years at the end of the financing period<br \/>\n(Age + Financing Tenure MUST NOT exceed 60 years)<\/li>\n<\/ul>\n<ul>\n<li>With a minimum fixed monthly income of RM1,500 including fixed allowance<\/li>\n<\/ul>\n<ul>\n<li>For federal and state government employees under pension scheme<\/li>\n<\/ul>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue852' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><div class='av_iconlist_title iconlist_title_small'  itemprop=\"headline\"  >Required Documents<\/div><\/header><div class='iconlist_content'  itemprop=\"text\"  ><ul>\n<li>MyKad<\/li>\n<li>3 months official payslip in PDF Format<\/li>\n<\/ul>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<li><div  class='iconlist_icon  avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='iconlist_content_wrap'><header class=\"entry-content-header\"><div class='av_iconlist_title iconlist_title_small'  itemprop=\"headline\"  >Notice<\/div><\/header><div class='iconlist_content'  itemprop=\"text\"  ><h6>To know further about the difference between Personal Loan (Conventional Loan) and Shariah Compliant Personal Financing (Islamic Financing),<br \/>\nclick <span style=\"color: #00ccff;\"><a style=\"color: #00ccff;\" href=\"https:\/\/xanderia.com\/faq\/\" target=\"_blank\" rel=\"noopener\">here<\/a><\/span><\/h6>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class='iconlist-timeline'><\/div><\/li>\n<\/ul><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'  style='background-color:#f8f8f8;' ><\/div><\/div><\/div><\/div><div id='after_section_2'  class='main_color av_default_container_wrap container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22'><div class='entry-content-wrapper clearfix'>\n<div  class='avia-button-wrap avia-button-center  avia-builder-el-19  el_after_av_section  el_before_av_section  avia-builder-el-no-sibling' ><a href='#appdownload'  class='avia-button   avia-icon_select-no avia-size-x-large avia-position-center'  style='background-color:#00a394; border-color:#00a394; color:#ffffff; ' ><span class='avia_iconbox_title' >DOWNLOAD NOW!<\/span><\/a><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_3'  class='avia-section main_color avia-section-large avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-20  el_after_av_button  el_before_av_section   av-minimum-height av-minimum-height-50  container_wrap sidebar_right' style=' '   data-av_minimum_height_pc='50'><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_two_fifth  av-animated-generic left-to-right  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding first  avia-builder-el-21  el_before_av_three_fifth  avia-builder-el-first\" style='border-radius:0px; '><div  class='avia-image-container avia_animated_image avia_animate_when_almost_visible pop-up av-styling-    avia-builder-el-22  avia-builder-el-no-sibling  phone-img avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img decoding=\"async\" class='wp-image-0 avia-img-lazy-loading-0 avia_image' src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/02\/Kanz-Prihatin-Web-2x-262x300.png\" alt='' title=''   itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_three_fifth  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding   avia-builder-el-23  el_after_av_two_fifth  avia-builder-el-last\" style='border-radius:0px; '><p><div  class='avia-image-container  av-styling-    avia-builder-el-24  el_before_av_heading  avia-builder-el-first  avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img decoding=\"async\" class='wp-image-0 avia-img-lazy-loading-0 avia_image' src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2024\/03\/Untitled-design-9-300x84.png\" alt='' title=''   itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><br \/>\n<div  style='padding-bottom:10px; ' class='av-special-heading av-special-heading-h2  blockquote modern-quote modern-centered  avia-builder-el-25  el_after_av_image  el_before_av_textblock'><div class ='av-subheading av-subheading_above   av-mini-font-size-overwrite av-mini-font-size-10' style='font-size:15px;'><p>Introducing<\/p>\n<\/div><h2 class='av-special-heading-tag  av-mini-font-size-overwrite av-mini-font-size-20'  itemprop=\"headline\"  >A Shariah Financing <span class='special_amp'>&amp;<\/span> Financial Restructuring Platform On Your Mobile Phone<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  style='font-size:16px; '  itemprop=\"text\" ><div class=\"Banner\">\n<div class=\"container-fluid\">\n<div class=\"Banner__text text--color_grey_dark align__center pad_t--50 pad_b--60 pad_t--30-sm pad_b--40-sm\" style=\"text-align: center;\">With end-to-end digital financing application, processing and management.<\/div>\n<div style=\"text-align: center;\"><\/div>\n<\/div>\n<\/div>\n<\/div><\/section><br \/>\n<div   data-autoplay='true'  data-interval='3'  data-animation='slide'  data-show_slide_delay='30'  class='avia-content-slider-element-container avia-content-slider-element-slider avia-content-slider avia-smallarrow-slider avia-content-slider-active avia-content-slider1 avia-content-slider-odd  avia-builder-el-27  el_after_av_textblock  el_before_av_hr  av_inherit_color'  style=' color:#00a394; '><div class='avia-smallarrow-slider-heading  no-content-slider-navigation  no-content-slider-heading'><div class='new-special-heading'>&nbsp;<\/div><\/div><div class='avia-content-slider-inner'><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-1 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">SHARIAH PERSONAL FINANCING<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-2 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">UP TO RM200K WITH NO GUARANTOR<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-3 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">OFFERED TO ALL CIVIL SERVANTS<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-4 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">FAST AND SECURE<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-5 slide-parity-odd  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">NO DEPOSIT<\/h2>\n<\/div><\/section><\/div><div class='slide-entry-wrap'><section class='slide-entry flex_column post-entry slide-entry-overview slide-loop-6 slide-parity-odd  post-entry-last  av_fullwidth first'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><h2 style=\"text-align: center;\">REPAYMENT THROUGH ANGKASA SALARY DEDUCTION<\/h2>\n<\/div><\/section><\/div><\/div><\/div><br \/>\n<div  style='height:50px' class='hr hr-invisible   avia-builder-el-28  el_after_av_content_slider  el_before_av_animated_numbers'><span class='hr-inner' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<div  class=\"avia-animated-number av-force-default-color  avia-color-  avia-builder-el-29  el_after_av_hr  el_before_av_hr  avia_animate_when_visible\"  data-timer=\"3000\"><strong class=\"heading avia-animated-number-title\" ><span class=\"avia-no-number\">RM<\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\",\" data-number=\"1000\" data-start_from=\"0\">1000<\/span><span class=\"avia-no-number\"> - RM<\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\",\" data-number=\"200000\" data-start_from=\"0\">200000<\/span><\/strong><div class='avia-animated-number-content' ><p>Financing Amount<\/p>\n<\/div><\/div><br \/>\n<div  style='height:50px' class='hr hr-invisible   avia-builder-el-30  el_after_av_animated_numbers  el_before_av_animated_numbers'><span class='hr-inner' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<div  class=\"avia-animated-number av-force-default-color  avia-color-  avia-builder-el-31  el_after_av_hr  avia-builder-el-last  avia_animate_when_visible\"  data-timer=\"3000\"><strong class=\"heading avia-animated-number-title\" ><span class=\"avia-single-number __av-single-number\" data-number_format=\",\" data-number=\"12\" data-start_from=\"0\">12<\/span><span class=\"avia-no-number\"> to <\/span><span class=\"avia-single-number __av-single-number\" data-number_format=\",\" data-number=\"120\" data-start_from=\"0\">120<\/span><span class=\"avia-no-number\"> months<\/span><\/strong><div class='avia-animated-number-content' ><p>Financing Tenure<\/p>\n<\/div><\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_4'  class='avia-section main_color avia-section-large avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-32  el_after_av_section  el_before_av_section   av-arrow-down-section container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_half  av-animated-generic pop-up  flex_column_div av-zero-column-padding first  avia-builder-el-33  el_before_av_one_half  avia-builder-el-first\" style='border-radius:0px; '><article  class=\"iconbox iconbox_left_content    avia-builder-el-34  avia-builder-el-no-sibling\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue862' data-av_iconfont='entypo-fontello'  style='border:1px solid #007ac0; color:#007ac0; ' ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\"><h3 class='iconbox_content_title'  itemprop=\"headline\"  >One (1) Working Day Preliminary Approval<\/h3><\/header><div class='iconbox_content_container'  itemprop=\"text\"  ><p>We ensure you one working day for preliminary approval, subject to document-checking and the verification process.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div><div class=\"flex_column av_one_half  av-animated-generic pop-up  flex_column_div av-zero-column-padding   avia-builder-el-35  el_after_av_one_half  el_before_av_one_half\" style='border-radius:0px; '><article  class=\"iconbox iconbox_left_content    avia-builder-el-36  avia-builder-el-no-sibling\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue827' data-av_iconfont='entypo-fontello'  style='border:1px solid #007ac0; color:#007ac0; ' ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\"><h3 class='iconbox_content_title'  itemprop=\"headline\"  >Rate as low as 6.99% p.a.*<\/h3><\/header><div class='iconbox_content_container'  itemprop=\"text\"  ><p>We ensure the best rate for Civil Servants and an affordable repayment scheme.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div><div class=\"flex_column av_one_half  av-animated-generic pop-up  flex_column_div av-zero-column-padding first  avia-builder-el-37  el_after_av_one_half  el_before_av_one_half  column-top-margin\" style='border-radius:0px; '><article  class=\"iconbox iconbox_left_content    avia-builder-el-38  avia-builder-el-no-sibling\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue85b' data-av_iconfont='entypo-fontello'  style='border:1px solid #007ac0; color:#007ac0; ' ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\"><h3 class='iconbox_content_title'  itemprop=\"headline\"  >Repayment Scheme up to 10 years<\/h3><\/header><div class='iconbox_content_container'  itemprop=\"text\"  ><p>You will be given a choice to stretch your financing plan up to 10 years maximum.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div><div class=\"flex_column av_one_half  av-animated-generic pop-up  flex_column_div av-zero-column-padding   avia-builder-el-39  el_after_av_one_half  avia-builder-el-last  column-top-margin\" style='border-radius:0px; '><article  class=\"iconbox iconbox_left_content    avia-builder-el-40  avia-builder-el-no-sibling\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue82b' data-av_iconfont='entypo-fontello'  style='border:1px solid #007ac0; color:#007ac0; ' ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\"><h3 class='iconbox_content_title'  itemprop=\"headline\"  >100% Shariah Compliant<\/h3><\/header><div class='iconbox_content_container'  itemprop=\"text\"  ><p>We assure you the financing is 100% Shariah Compliant as stated in the law of Islam.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><div class='av-extra-border-element border-extra-arrow-down'><div class='av-extra-border-outer'><div class='av-extra-border-inner'  style='background-color:#ffffff;' ><\/div><\/div><\/div><\/div><div id='av_section_5'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-41  el_after_av_section  el_before_av_section   container_wrap sidebar_right' style='background-color: #00a394;  '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_half  av-animated-generic left-to-right  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding first  avia-builder-el-42  el_before_av_one_half  avia-builder-el-first  textblock-1\" style='border-radius:0px; '><p><div  style='padding-bottom:10px; color:#ffffff;' class='av-special-heading av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-43  el_before_av_hr  avia-builder-el-first'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Monthly Payment Calculator<\/h2><div class ='av-subheading av-subheading_below av_custom_color' style='font-size:15px;'><p>Get the monthly instalments payment by entering your financial amount and tenure period.<\/p>\n<\/div><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div><br \/>\n<div  style=' margin-top:30px; margin-bottom:40px;'  class='hr hr-custom hr-center hr-icon-no   avia-builder-el-44  el_after_av_heading  el_before_av_textblock'><span class='hr-inner  inner-border-av-border-thin' style=' width:50px;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  av_inherit_color'  style='font-size:13px; color:#ffffff; '  itemprop=\"text\" ><p style=\"text-align: center;\">The calculator will give you the rough estimation on your monthly repayment based on the amount and your financing period.<\/p>\n<\/div><\/section><\/p><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_half  av-animated-generic right-to-left  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding   avia-builder-el-46  el_after_av_one_half  el_before_av_button\" style='border-radius:0px; '><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div  class='avia-button-wrap avia-button-center  avia-builder-el-48  el_after_av_one_half  avia-builder-el-last' ><a href='#appdownload'  class='avia-button   avia-icon_select-no avia-size-x-large avia-position-center'  style='background-color:#00a394; border-color:#00a394; color:#ffffff; ' ><span class='avia_iconbox_title' >DOWNLOAD NOW!<\/span><\/a><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_6'  class='avia-section main_color avia-section-default avia-no-border-styling  av-section-color-overlay-active avia-bg-style-fixed  avia-builder-el-49  el_after_av_section  el_before_av_section   av-desktop-hide av-medium-hide av-small-hide av-mini-hide av-minimum-height av-minimum-height-50  container_wrap sidebar_right' style=' '   data-av_minimum_height_pc='50'><div class='av-section-color-overlay-wrap'><div class='av-section-color-overlay' style='opacity: 0.5; background-color: #0a0a0a; '><\/div><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-50  el_before_av_three_fifth  avia-builder-el-first\" style='border-radius:0px; '><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   avia-builder-el-51  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><p><div  style='padding-bottom:10px; color:#ffffff;' class='av-special-heading av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-52  el_before_av_textblock  avia-builder-el-first'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >What Are The Products Offered?<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  av_inherit_color'  style='font-size:13px; color:#ffffff; '  itemprop=\"text\" ><p style=\"text-align: center;\">We offer unsecured shariah compliant personal financing for Malaysian Civil Servants. Our end-to-end digital and automated financing application, processing and management protects our users from the risk of close contact in a post COVID-19 world.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap avia-button-center  avia-builder-el-54  el_after_av_textblock  avia-builder-el-last' ><a href='http:\/\/xanderia.com\/about\/'  class='avia-button  avia-color-light   avia-icon_select-no avia-size-large avia-position-center'   ><span class='avia_iconbox_title' >View More<\/span><\/a><\/div><\/p><\/div><div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding   avia-builder-el-55  el_after_av_three_fifth  avia-builder-el-last\" style='border-radius:0px; '><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><\/div><div id='av_section_7'  class='avia-section main_color avia-section-default avia-no-border-styling  avia-bg-style-scroll  avia-builder-el-56  el_after_av_section  avia-builder-el-last   av-minimum-height av-minimum-height-50  container_wrap sidebar_right' style=' '   data-av_minimum_height_pc='50'><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22'><div class='entry-content-wrapper clearfix'>\n<div  style='padding-bottom:10px; ' class='av-special-heading av-special-heading-h2  blockquote modern-quote modern-centered  avia-builder-el-57  el_before_av_hr  avia-builder-el-first'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Quick <span class='special_amp'>&amp;<\/span> Easy Financing Application via Xanderia\u2019s Mobile Application<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div>\n<div  style=' margin-top:30px; margin-bottom:40px;'  class='hr hr-custom hr-center hr-icon-no   avia-builder-el-58  el_after_av_heading  el_before_av_one_fifth'><span class='hr-inner  inner-border-av-border-thin' style=' width:50px;' ><span class='hr-inner-style'><\/span><\/span><\/div>\n<div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_fifth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding first  avia-builder-el-59  el_after_av_hr  el_before_av_three_fifth\" style='border-radius:0px; '><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_three_fifth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding   avia-builder-el-60  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><div  id=\"appdownload\"  class='avia-image-container avia_animated_image avia_animate_when_almost_visible bottom-to-top av-styling-    avia-builder-el-61  avia-builder-el-no-sibling  avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img decoding=\"async\" class='wp-image-0 avia-img-lazy-loading-0 avia_image' src=\"http:\/\/xanderia.com\/wp-content\/uploads\/2020\/12\/Xanderia_Phone_Mockup-01.png\" alt='' title=''   itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_fifth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding   avia-builder-el-62  el_after_av_three_fifth  el_before_av_one_fourth\" style='border-radius:0px; '><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_fourth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding first  avia-builder-el-63  el_after_av_one_fifth  el_before_av_one_fourth  column-top-margin\" style='border-radius:0px; '><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_fourth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding   avia-builder-el-64  el_after_av_one_fourth  el_before_av_one_fourth  column-top-margin\" style='border-radius:0px; '><div  class='avia-image-container  av-styling-    avia-builder-el-65  avia-builder-el-no-sibling  avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><a href='https:\/\/apps.apple.com\/my\/app\/xanderia-shariah-financing\/id1546587463' class='avia_image' target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class='wp-image-0 avia-img-lazy-loading-0 avia_image' src=\"http:\/\/xanderia.com\/wp-content\/uploads\/2020\/10\/Download_on_the_App_Store_Badge_US-UK_blk_092917-300x101-1.png\" alt='' title=''  itemprop=\"thumbnailUrl\"  \/><\/a><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_fourth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding   avia-builder-el-66  el_after_av_one_fourth  el_before_av_one_fourth  column-top-margin\" style='border-radius:0px; '><div  class='avia-image-container  av-styling-    avia-builder-el-67  avia-builder-el-no-sibling  avia-align-center'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><a href='https:\/\/play.google.com\/store\/apps\/details?id=com.xanderia.financeapp.customer' class='avia_image' target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class='wp-image-0 avia-img-lazy-loading-0 avia_image' src=\"http:\/\/xanderia.com\/wp-content\/uploads\/2020\/10\/google-play-badge-1-300x89-1.png\" alt='' title=''  itemprop=\"thumbnailUrl\"  \/><\/a><\/div><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_fourth  flex_column_table_cell av-equal-height-column av-align-bottom av-zero-column-padding   avia-builder-el-68  el_after_av_one_fourth  avia-builder-el-last  column-top-margin\" style='border-radius:0px; '><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_7'  class='main_color av_default_container_wrap container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22'><div class='entry-content-wrapper clearfix'>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-22","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/finance.xanderia.com\/my\/wp-json\/wp\/v2\/pages\/22"}],"collection":[{"href":"https:\/\/finance.xanderia.com\/my\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finance.xanderia.com\/my\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finance.xanderia.com\/my\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.xanderia.com\/my\/wp-json\/wp\/v2\/comments?post=22"}],"version-history":[{"count":12,"href":"https:\/\/finance.xanderia.com\/my\/wp-json\/wp\/v2\/pages\/22\/revisions"}],"predecessor-version":[{"id":84,"href":"https:\/\/finance.xanderia.com\/my\/wp-json\/wp\/v2\/pages\/22\/revisions\/84"}],"wp:attachment":[{"href":"https:\/\/finance.xanderia.com\/my\/wp-json\/wp\/v2\/media?parent=22"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}