(Disclaimer: This calculator serves as an estimate only. It is provided for illustrative purposes and is based on the accuracy of the information provided. It is not a quotation.)
Yayasan Ihsan Rakyat
We provide simple, fast and transparent shariah-compliant personal financing.
Personal Financing
Refinancing
Personal
Financing
Refinancing
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Simple & Fast Personal Financing At Your Fingertips
Simple & Fast Personal Financing At Your Fingertips
ePanta$ Launching
Introducing ePanta$ which allows you to apply YIR personal financing and track your application status online.
Apply now through ePanta$ and stand a chance to win exciting prizes!*
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Simple & Fast Personal Financing
At Your Fingertips
ePanta$ Launching
Introducing ePanta$ which allows you to apply YIR personal financing and track your application status online.
Apply now through ePanta$ and stand a chance to win exciting prizes!*
Play Video
Digital Signature (“DS”) Launching
YIR upgrades financing application services with Digital Signature (“DS”).
To register for a DS account, kindly refer to the video guideline.
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OUR EXPERTISE
Why Choose YIR?
Comply with
the Shariah
Concept
The financial products and services offered are based on the Shariah concept.
Disbursement within
48 Hours*
*subject to complete documentation, employer verification and customer verification through akad.
Public Sector Exclusive
Exclusively for civil servants, selected Statutory Bodies and Government Linked Companies (GLCs) employees in Malaysia.
Contact Us
Would Like to Apply For YIR Financing?
Fill out this form and send us your information! We will contact you on the next working day.
FAQ
Have A Question? Let Us Help.
1. Adakah saya layak memohon pembiayaan YIR?
Anda layak momohon jika anda memenuhi syarat-syarat berikut:
- Warganegara Malaysia.
- Bekerja sebagai Penjawat Awam Malaysia dan kakitangan Badan Berkanun atau GLC yang terpilih.
- Berumur 20-58 tahun. Umur maksimum bagi pelanggan yang berkhidmat sebagai pegawai polis adalah 55 tahun.
- Pekerja tetap dengan sekurang-kurangnya 6 bulan perkhidmatan.
- Pendapatan kasar bulanan minimum sebanyak RM1,500.
- Tiada dalam senarai muflis dan / atau bankrap.
- Lulus skor kredit YIR.
2. Bagaimanakah saya boleh memohon pembiayaan YIR?
Anda boleh memuat turun borang permohonan kami di sini atau menghubungi Pegawai Pemasaran kami dengan maklumat hubungan di soalan 33.
3. Apakah maklumat yang perlu disediakan untuk permohonan pembiayaan saya?
Anda dikehendaki menyediakan:
- Salinan Kad Pengenalan (“KP”).
- Salinan Kad Pengenalan Polis yang disahkan (jika berkenaan).
- Salinan sah 3 bulan slip gaji terkini – disahkan oleh majikan.
- Penyata bank terkini (akaun gaji / akaun menerima pembiayaan).
- Surat pengesahan jawatan.
- Surat opsyen, jika berkenaan.
- Surat penukaran jabatan atau surat penempatan, jika berkenaan.
- Penyata penyelesaian awal, jika berkenaan.
4. Adakah saya perlu memberi maklumat peribadi yang lain, cth. laporan kredit?
Tidak perlu. Walau bagaimanapun, persetujuan anda untuk mendedahkan laporan kredit diperlukan untuk memudahkan proses permohonan pembiayaan. Maklumat kredit anda akan digunakan sebagai sebahagian daripada pertimbangan semasa menawarkan produk pembiayaan.
5. Adakah penjamin atau cagaran diperlukan?
Tiada penjamin atau cagaran diperlukan untuk pembiayaan peribadi YIR.
Have more questions? Click here.
FAQ
Have A Question? Let Us Help.
1. Am I eligible to apply for YIR Financing?
You are eligible if you fulfil the following conditions:
- Malaysian citizen
- Working as Malaysian Civil Servants and selected Statutory Bodies or GLC employees.
- Aged 20-58. Maximum age for customers who are police officers is 55.
- Permanent job with at least 6 months of service.
- Minimum gross monthly income of RM1,500.
- Not in bankruptcy process and/or a bankrupt.
- Pass the credit score of YIR.
2. How can I apply for YIR Financing?
You may download our application form here or contact our In-House Sales with contact 03-4047 0827.
3. What are the documents or information required to apply for YIR Financing?
You will be required to provide:
- photocopy of your Malaysian Identification Card (“NRIC”).
- A photocopy of your Police Identification Card, if applicable.
- Certified true copies of recent 3 months pay slips – certified by employer.
- Recent bank statement (salary account / account to receive financing).
- Employment verification letter.
- Option letter, if applicable.
- Transfer letter / secondment letter, if applicable.
- Settlement statement, if applicable.
4. Do I have to provide other personal information, e.g. credit reports?
No. However, your consent to provide us access to your credit report is required in order to process your financing application. Your credit information will be used as part of our consideration when offering our financing products.
5. Is guarantor or collateral required?
No guarantor or collateral is required for YIR Personal Financing.
Have more questions? Click here.
Have more questions?
Click here.
