Refinancing

Refinancing
Yayasan Ihsan Rakyat

Having varieties of financing such as credit cards, education financing and other personal financing balances to be paid off to multiple parties on different due dates as well as various amounts can burden you. Consolidate your debt and focus on one installment only with YIR.

Especially for Malaysian civil servants, Statutory Bodies and selected Government Linked Companies (GLCs) employees only.

  • Financing Amount

RM3,000 to RM300,000

  • Profit Rate

as low as 6.65%

  • Financing Period

1 year to 10 years

  • Type of Financing

Unsecured Islamic financing

  • Min. Income

RM1,500/month

Note: Refinancing provided by Yayasan Ihsan Rakyat is prohibited for activities that violate Shariah principles.

Apply Now

Refinancing
Yayasan Ihsan Rakyat

Having varieties of financing such as credit cards, education financing and other personal financing balances to be paid off to multiple parties on different due dates as well as various amounts can burden you. Consolidate your debt and focus on one installment only with YIR.

Especially for Malaysian civil servants, Statutory Bodies and selected Government Linked Companies (GLCs) employees only.

  • Financing Amount

RM3,000 to RM300,000

  • Profit Rate

as low as 6.66%

  • Financing Period

1 year to 10 years

  • Type of Financing

Unsecured Islamic financing

  • Min. Income

RM1,500/month

Note: Refinancing provided by Yayasan Ihsan Rakyat is prohibited for activities that violate Shariah principles.

Apply Now

Monthly Installment Calculator

Use our simple calculator to calculate your financing installment payment.

(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.)

Eligibility

• Malaysian citizens aged 20 to 58 years.
• Work as a Malaysian civil servant and staff of selected Statutory Bodies or Government-linked companies (GLCs).
• Permanent staff with at least 6 months of service.
• Minimum gross monthly income of RM1,500.

Documents Needed

Do you have the required documents for your application?

Certified True Copy Required:

  • 1 photocopy MyKad / PDRM
    Identification Card.
  • Recent 3 months payslips.

Certified True Copy Not Required:

  • Latest bank statement (salary account / local savings account / current account to receive financing).
  • Employment verification letter.
  • Option letter (if applicable).
  • Transfer letter / secondment letter (if applicable).
  • Settlement statement (if applicable).