{"id":1328,"date":"2023-09-19T07:46:57","date_gmt":"2023-09-19T07:46:57","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?page_id=1328"},"modified":"2025-11-17T04:27:16","modified_gmt":"2025-11-17T04:27:16","slug":"refinans-pinjaman-gadai-janji","status":"publish","type":"page","link":"https:\/\/www.ibpo.com.my\/bm\/mortgage-loan-refinance\/","title":{"rendered":"i-Refinancing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1328\" class=\"elementor elementor-1328\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-92c5fc0 xts-section-stretch-content home-banner-0 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"92c5fc0\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7baf078\" data-id=\"7baf078\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-884054c elementor-section-height-min-height xts-section-stretch-content home-section-inner elementor-section-boxed elementor-section-height-default\" data-id=\"884054c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-63f9b72\" data-id=\"63f9b72\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b82ef0 elementor-align-left elementor-tablet-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6b82ef0\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/elementor\/css\/custom-widget-icon-list.min.css?ver=1727125099\">\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"34\" height=\"34\" viewBox=\"0 0 34 34\"><defs><linearGradient id=\"linear-gradient\" x1=\"0.5\" x2=\"0.5\" y2=\"1\" gradientUnits=\"objectBoundingBox\"><stop offset=\"0\" stop-color=\"#8ac9ff\"><\/stop><stop offset=\"1\" stop-color=\"#2286db\"><\/stop><\/linearGradient><\/defs><circle id=\"Ellipse_1\" data-name=\"Ellipse 1\" cx=\"17\" cy=\"17\" r=\"17\" fill=\"url(#linear-gradient)\"><\/circle><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mortgage Loan Refinance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57e8e4b premium-header-block premium-header-inline elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"57e8e4b\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t\t\t\t<h2 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">i-Refinancing <\/span><\/h2> \t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8362ef7\" data-id=\"8362ef7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4618d72 elementor-widget-tablet__width-initial elementor-widget elementor-widget-image\" data-id=\"4618d72\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"805\" height=\"555\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/10\/i-Refinancing.png\" class=\"attachment-full size-full wp-image-4622\" alt=\"i-Refinancing\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/10\/i-Refinancing.png 805w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/10\/i-Refinancing-300x207.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/10\/i-Refinancing-768x529.png 768w\" sizes=\"(max-width: 805px) 100vw, 805px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0168df6 elementor-section-full_width xts-section-stretch-content elementor-section-height-default elementor-section-height-default\" data-id=\"0168df6\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f3f77e\" data-id=\"2f3f77e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-42969ed xts-animation-short-in-up xts-animation-slow xts_delay_300 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"42969ed\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-276dbe9\" data-id=\"276dbe9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3a10b6 elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d3a10b6\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"34\" height=\"34\" viewBox=\"0 0 34 34\"><defs><linearGradient id=\"linear-gradient\" x1=\"0.5\" x2=\"0.5\" y2=\"1\" gradientUnits=\"objectBoundingBox\"><stop offset=\"0\" stop-color=\"#8ac9ff\"><\/stop><stop offset=\"1\" stop-color=\"#2286db\"><\/stop><\/linearGradient><\/defs><circle id=\"Ellipse_1\" data-name=\"Ellipse 1\" cx=\"17\" cy=\"17\" r=\"17\" fill=\"url(#linear-gradient)\"><\/circle><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">What Is i-Refinancing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd76fc9 elementor-widget elementor-widget-xts_title\" data-id=\"bd76fc9\" data-element_type=\"widget\" data-widget_type=\"xts_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"xts-section-heading xts-reset-mb-10 xts-reset-last xts-textalign-center\" data-animation-delay=\"\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h1 class=\"xts-section-title title xts-design-default xts-textcolor-custom xts-fontsize-l\">\n\t\t\t\t\t\t<span class=\"xts-section-title-text\" data-elementor-setting-key=\"title\">\n\t\t\t\t\t\t\tUnlock Financial Freedom with Mortgage Refinance Solutions\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/h1>\n\t\t\t\t\n\t\t\t\t\n\t\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 class=\"elementor-element elementor-element-e3fd5b1 elementor-widget elementor-widget-xts_title\" data-id=\"e3fd5b1\" data-element_type=\"widget\" data-widget_type=\"xts_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"xts-section-heading xts-reset-mb-10 xts-reset-last xts-textalign-center xts-textalign-md-center\" data-animation-delay=\"\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"xts-section-desc\">\n\t\t\t\t\t\t<div class=\"xts-section-desc-text xts-reset-all-last\" data-elementor-setting-key=\"description\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Introducing i-Refinancing, a mortgage refinancing program that offers tailored refinancing solutions to help you achieve your financial goals by leveraging off your home\u2019s value.<\/span><\/p><p><span style=\"font-weight: 400;\">With exclusive interest rates of as low as 4.2% p.a., our program allows you to easily manage all your commitments in one account and reduce your loan\u2019s tenure while enjoying extra cash at hand to finance other ventures.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5a9bb60 xts-animation-short-in-up xts-animation-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled xts_delay_100\" data-id=\"5a9bb60\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5dc7cfc\" data-id=\"5dc7cfc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e6ef09 counter-01 counter-section otherpage-counter elementor-widget elementor-widget-counter\" data-id=\"1e6ef09\" data-element_type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-counter{display:flex;justify-content:center;align-items:stretch;flex-direction:column-reverse}.elementor-counter .elementor-counter-number{flex-grow:var(--counter-number-grow,0)}.elementor-counter .elementor-counter-number-wrapper{flex:1;display:flex;font-size:69px;font-weight:600;line-height:1;text-align:center}.elementor-counter .elementor-counter-number-prefix{text-align:end;flex-grow:var(--counter-prefix-grow,1);white-space:pre-wrap}.elementor-counter .elementor-counter-number-suffix{text-align:start;flex-grow:var(--counter-suffix-grow,1);white-space:pre-wrap}.elementor-counter .elementor-counter-title{flex:1;display:flex;justify-content:center;align-items:center;margin:0;padding:0;font-size:19px;font-weight:400;line-height:2.5}<\/style>\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Average Approval Rate<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"92.7\" data-from-value=\"25.4\" data-delimiter=\",\">25.4<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e399627\" data-id=\"e399627\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ae0043 counter-03 otherpage-counter elementor-widget elementor-widget-counter\" data-id=\"9ae0043\" data-element_type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Total Bank Loan Approved<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">MYR<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"1.135\" data-from-value=\"0.5\" data-delimiter=\",\">0.5<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">B<sup class=\"plus\">+<\/sup><\/span>\n\t\t\t<\/div>\n\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-844eebb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"844eebb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1cfc0a4\" data-id=\"1cfc0a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-139cdf1 xts-animation-short-in-up xts-animation-slow xts_delay_100 elementor-widget elementor-widget-image\" data-id=\"139cdf1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"734\" height=\"649\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/i-refinancing-lady.png\" class=\"attachment-full size-full wp-image-2355\" alt=\"Benefits of mortgage loan refinancing for homeowners in Malaysia\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/i-refinancing-lady.png 734w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/i-refinancing-lady-300x265.png 300w\" sizes=\"(max-width: 734px) 100vw, 734px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-86edab1 xts-animation-short-in-up xts-animation-slow xts_delay_100\" data-id=\"86edab1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41ffe7a elementor-widget elementor-widget-html\" data-id=\"41ffe7a\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\nsup.plus {\n    font-size: 32px !important;\n    top: -1.3em;\n    color: #32B6FB;\n}\n    \n@media screen and (min-width:1024px) and (max-width:1480px){\n.our-mission-02 h3.elementor-icon-box-title {\n    min-height: 70px;\n    margin-bottom: 10px;\n    height: 100%;\n}\n    \n    \n}    \n    \n@media only screen and (max-width:500px){\n\nsup.plus {\n    font-size: 18px !important;\n    top: -1em;\n    color: #32B6FB;\n}\n    \n}    \n    \n    \n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27d97bc elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"27d97bc\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"34\" height=\"34\" viewBox=\"0 0 34 34\"><defs><linearGradient id=\"linear-gradient\" x1=\"0.5\" x2=\"0.5\" y2=\"1\" gradientUnits=\"objectBoundingBox\"><stop offset=\"0\" stop-color=\"#8ac9ff\"><\/stop><stop offset=\"1\" stop-color=\"#2286db\"><\/stop><\/linearGradient><\/defs><circle id=\"Ellipse_1\" data-name=\"Ellipse 1\" cx=\"17\" cy=\"17\" r=\"17\" fill=\"url(#linear-gradient)\"><\/circle><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Benefits of Home Loan Refinancing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdb6115 elementor-widget elementor-widget-xts_title\" data-id=\"cdb6115\" data-element_type=\"widget\" data-widget_type=\"xts_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"xts-section-heading xts-reset-mb-10 xts-reset-last xts-textalign-left\" data-animation-delay=\"\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"xts-section-title title xts-design-default xts-textcolor-custom xts-fontsize-l\">\n\t\t\t\t\t\t<span class=\"xts-section-title-text\" data-elementor-setting-key=\"title\">\n\t\t\t\t\t\t\tEnjoy These Perks From Refinancing\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\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 class=\"elementor-element elementor-element-2e184c2 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2e184c2\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cash Rebate <p class=\"benefits-services\">Monthly cash rebates for up to 10 years. <\/p><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Reduce Monthly Commitments  <p class=\"benefits-services\">Up to 70% in savings. <\/p><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Shorten Repayment Period  <p class=\"benefits-services\">By up to 10 years on loan tenure. <\/p><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cash Benefits <p class=\"benefits-services\">Extra cash for business expansion, emergencies and more. <\/p><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No Hidden Fees <p class=\"benefits-services\">It\u2019s zero out-of-pocket expenses.<\/p><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Boost Credit Score  <p class=\"benefits-services\"> Be on track to improve your creditworthiness.<\/p><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30e8e90 elementor-section-full_width xts-section-stretch-content elementor-section-height-default elementor-section-height-default\" data-id=\"30e8e90\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cb3d49f\" data-id=\"cb3d49f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-pa-eq-height=\"{&quot;targetType&quot;:&quot;widget&quot;,&quot;target&quot;:&quot;&quot;,&quot;trigger&quot;:&quot;load&quot;,&quot;enableOn&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;,&quot;widescreen&quot;,&quot;laptop&quot;,&quot;tablet_extra&quot;,&quot;mobile_extra&quot;]}\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-f24df61 xts-animation-short-in-up xts-animation-slow premium-equal-height-yes elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled xts_delay_100\" data-id=\"f24df61\" data-element_type=\"section\" data-settings=\"{&quot;premium_eq_height_switcher&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-25c42e3\" data-id=\"25c42e3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0926e9b elementor-align-left elementor-mobile-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0926e9b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"34\" height=\"34\" viewBox=\"0 0 34 34\"><defs><linearGradient id=\"linear-gradient\" x1=\"0.5\" x2=\"0.5\" y2=\"1\" gradientUnits=\"objectBoundingBox\"><stop offset=\"0\" stop-color=\"#8ac9ff\"><\/stop><stop offset=\"1\" stop-color=\"#2286db\"><\/stop><\/linearGradient><\/defs><circle id=\"Ellipse_1\" data-name=\"Ellipse 1\" cx=\"17\" cy=\"17\" r=\"17\" fill=\"url(#linear-gradient)\"><\/circle><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Our Refinancing Advantages<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c11a60 xts-animation-short-in-up xts-animation-slow xts_delay_100 elementor-widget elementor-widget-xts_title\" data-id=\"2c11a60\" data-element_type=\"widget\" data-widget_type=\"xts_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"xts-section-heading xts-reset-mb-10 xts-reset-last xts-textalign-left xts-textalign-sm-center\" data-animation-delay=\"\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"xts-section-title title xts-design-default xts-textcolor-custom xts-fontsize-l\">\n\t\t\t\t\t\t<span class=\"xts-section-title-text\" data-elementor-setting-key=\"title\">\n\t\t\t\t\t\t\tGain More With IBPO\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-875b4f4\" data-id=\"875b4f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c60e40d elementor-laptop-position-top mission-03 elementor-widget__width-initial xts-animation-short-in-up xts-animation-slow elementor-view-default elementor-position-top elementor-mobile-position-top xts_delay_100 elementor-widget elementor-widget-icon-box\" data-id=\"c60e40d\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/elementor\/css\/custom-widget-icon-box.min.css?ver=1727125099\">\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"102\" height=\"102\" viewBox=\"0 0 102 102\"><g id=\"Group_4189\" data-name=\"Group 4189\" transform=\"translate(-1300 -789.317)\"><rect id=\"Rectangle_701\" data-name=\"Rectangle 701\" width=\"102\" height=\"102\" rx=\"15\" transform=\"translate(1300 789.318)\" fill=\"#32b6fb\"><\/rect><g id=\"innovation\" transform=\"translate(1321 811.979)\"><path id=\"Path_1085\" data-name=\"Path 1085\" 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transform=\"translate(0 0)\" fill=\"#fff\"><\/path><path id=\"Path_1086\" data-name=\"Path 1086\" d=\"M25.165,32.463A5.676,5.676,0,0,1,21.138,30.8l-1.3-1.3a1.257,1.257,0,0,1,1.778-1.778l1.3,1.3a3.184,3.184,0,0,0,4.5,0l1.3-1.3A1.257,1.257,0,0,1,30.49,29.5l-1.3,1.3a5.677,5.677,0,0,1-4.027,1.665Z\" transform=\"translate(5.335 7.678)\" fill=\"#fff\"><\/path><path id=\"Path_1087\" data-name=\"Path 1087\" 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d=\"M27.7,45.657H22.411A2.517,2.517,0,0,1,19.9,43.142V38.815a1.257,1.257,0,0,1,1.257-1.257h7.8a1.257,1.257,0,0,1,1.257,1.257v4.327A2.517,2.517,0,0,1,27.7,45.657Zm-5.289-5.584v3.07H27.7v-3.07Z\" transform=\"translate(5.445 11.034)\" fill=\"#fff\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tInnovative AI-Powered Service \t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOur cutting-edge AI, combined with our financial experts, crafts a unique debt consolidation program tailored to you, so you get the best deal that matches your financial needs.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f1c083 elementor-laptop-position-top mission-03 elementor-widget__width-initial xts-animation-short-in-up xts-animation-slow xts_delay_200 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"5f1c083\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"102\" height=\"102\" viewBox=\"0 0 102 102\"><defs><clipPath id=\"clip-path\"><path id=\"path2601\" d=\"M0-682.665H49.2v49.2H0Z\" transform=\"translate(0 682.665)\" fill=\"none\"><\/path><\/clipPath><\/defs><g id=\"Group_4190\" data-name=\"Group 4190\" transform=\"translate(-1300 -789.317)\"><rect id=\"Rectangle_701\" data-name=\"Rectangle 701\" width=\"102\" 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d=\"M-153.417-596.348c-5.625,0-11.916-10.389-11.916-23.159s6.291-23.159,11.916-23.159\" transform=\"translate(165.333 642.665)\" fill=\"none\" stroke=\"#fff\" stroke-miterlimit=\"10\" stroke-width=\"3\"><\/path><\/g><g id=\"g2617\" transform=\"translate(1.441 24.6)\"><path id=\"path2619\" d=\"M0,0H46.317\" fill=\"none\" stroke=\"#fff\" stroke-miterlimit=\"10\" stroke-width=\"3\"><\/path><\/g><g id=\"g2621\" transform=\"translate(7.573 8.92)\"><path id=\"path2623\" d=\"M0,0A32.172,32.172,0,0,0,17.027,4.626,32.172,32.172,0,0,0,34.055,0\" transform=\"translate(0 0.003)\" fill=\"none\" stroke=\"#fff\" stroke-miterlimit=\"10\" stroke-width=\"3\"><\/path><\/g><g id=\"g2625\" transform=\"translate(7.572 35.652)\"><path id=\"path2627\" d=\"M-438.472-59.59A32.172,32.172,0,0,0-455.5-64.219a32.172,32.172,0,0,0-17.028,4.628\" transform=\"translate(472.527 64.219)\" fill=\"none\" stroke=\"#fff\" stroke-miterlimit=\"10\" stroke-width=\"3\"><\/path><\/g><g id=\"g2629\" transform=\"translate(24.6 1.441)\"><path id=\"path2631\" d=\"M0,0V46.317\" fill=\"none\" stroke=\"#fff\" stroke-miterlimit=\"10\" stroke-width=\"3\"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGlobal Reach, Local Expertise\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOur partnerships with global banks ensure you get exclusive rates. While local credit agencies such as CTOS, Experian and Credit Bureau Malaysia, allow you to enjoy free credit reports.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac11406 elementor-laptop-position-top mission-03 elementor-widget__width-initial xts-animation-short-in-up xts-animation-slow xts_delay_300 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"ac11406\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"102\" height=\"102\" viewBox=\"0 0 102 102\"><g id=\"Group_4191\" data-name=\"Group 4191\" transform=\"translate(-1299 -789.317)\"><rect id=\"Rectangle_701\" data-name=\"Rectangle 701\" width=\"102\" height=\"102\" rx=\"15\" transform=\"translate(1299 789.317)\" fill=\"#32b6fb\"><\/rect><g id=\"like_1_\" data-name=\"like (1)\" transform=\"translate(1295.271 813.32)\"><g id=\"Group_3749\" data-name=\"Group 3749\" transform=\"translate(31.2 9.797)\"><g id=\"Group_3748\" data-name=\"Group 3748\" transform=\"translate(0 0)\"><path id=\"Subtraction_1\" data-name=\"Subtraction 1\" d=\"M39.35,44H26.095a17.129,17.129,0,0,1-5.437-.884l-5.605-1.869-.078.162A4.571,4.571,0,0,1,10.873,44H1.381A1.382,1.382,0,0,1,0,42.62V14.143a1.381,1.381,0,0,1,1.38-1.38h9.492A4.522,4.522,0,0,1,15.1,15.642l.064.165.171-.041a11.063,11.063,0,0,0,5.653-4.187,19.748,19.748,0,0,0,3.506-7.084l.861-3.447A1.38,1.38,0,0,1,26.693,0h1.583A6.133,6.133,0,0,1,34.4,6.127V7.708a30.572,30.572,0,0,1-1.293,7.952l-.087.267h9.492A4.541,4.541,0,0,1,45.9,23.5l-.122.135.122.135a4.535,4.535,0,0,1,0,6.059l-.122.135.122.135a4.541,4.541,0,0,1-2.189,7.413l-.217.059.084.21A4.547,4.547,0,0,1,39.35,44ZM2.758,15.521V41.24h8.115a1.786,1.786,0,0,0,1.784-1.784V17.307a1.788,1.788,0,0,0-1.784-1.786ZM27.77,2.76l-.6,2.4a22.882,22.882,0,0,1-4.6,8.83,12.637,12.637,0,0,1-6.985,4.548l-.168.03V38.462L21.528,40.5a14.434,14.434,0,0,0,4.566.74H39.35a1.784,1.784,0,0,0,0-3.568,1.38,1.38,0,1,1,0-2.76h3.164a1.784,1.784,0,0,0,0-3.568H39.35a1.38,1.38,0,1,1,0-2.76h3.164a1.784,1.784,0,0,0,0-3.568H39.35a1.38,1.38,0,1,1,0-2.76h3.164a1.784,1.784,0,0,0,0-3.568H26.693a1.38,1.38,0,1,1,0-2.76h3.36l.055-.117a25.26,25.26,0,0,0,1.533-8.1V6.127A3.37,3.37,0,0,0,28.276,2.76Z\" fill=\"#fff\"><\/path><\/g><\/g><g id=\"Group_3751\" data-name=\"Group 3751\" transform=\"translate(37.439 43.882)\"><g id=\"Group_3750\" data-name=\"Group 3750\" transform=\"translate(0 0)\"><ellipse id=\"Ellipse_29\" data-name=\"Ellipse 29\" cx=\"1.424\" cy=\"1.898\" rx=\"1.424\" ry=\"1.898\" transform=\"translate(0.203 0.203)\" fill=\"#fff\"><\/ellipse><path id=\"Ellipse_29_-_Outline\" data-name=\"Ellipse 29 - Outline\" d=\"M1.426-.2A1.912,1.912,0,0,1,3.053,1.9,1.912,1.912,0,0,1,1.426,4,1.912,1.912,0,0,1-.2,1.9,1.912,1.912,0,0,1,1.426-.2Zm0,3.8c.673,0,1.221-.761,1.221-1.7S2.1.205,1.426.205.205.966.205,1.9.753,3.6,1.426,3.6Z\" transform=\"translate(0.2 0.2)\" fill=\"#32b6fb\"><\/path><\/g><\/g><g id=\"Group_3753\" data-name=\"Group 3753\" transform=\"translate(59.677 0.199)\"><g id=\"Group_3752\" data-name=\"Group 3752\" transform=\"translate(0)\"><path id=\"Subtraction_3\" data-name=\"Subtraction 3\" d=\"M1.379,6.029A1.38,1.38,0,0,1,0,4.65V1.38a1.379,1.379,0,1,1,2.759,0V4.65A1.381,1.381,0,0,1,1.379,6.029Z\" fill=\"#fff\"><\/path><\/g><\/g><g id=\"Group_3755\" data-name=\"Group 3755\" transform=\"translate(49.609 4.476)\"><g id=\"Group_3754\" data-name=\"Group 3754\" transform=\"translate(0 0)\"><path id=\"Subtraction_4\" data-name=\"Subtraction 4\" d=\"M3.617,5a1.375,1.375,0,0,1-.976-.405L.405,2.356A1.38,1.38,0,0,1,2.355.4L4.592,2.642A1.38,1.38,0,0,1,3.617,5Z\" transform=\"translate(0)\" fill=\"#fff\"><\/path><\/g><\/g><g id=\"Group_3757\" data-name=\"Group 3757\" transform=\"translate(67.509 4.475)\"><g id=\"Group_3756\" data-name=\"Group 3756\" transform=\"translate(0 0)\"><path id=\"Subtraction_2\" data-name=\"Subtraction 2\" d=\"M1.379,5A1.38,1.38,0,0,1,.4,2.642L2.64.406A1.382,1.382,0,0,1,5,1.381a1.36,1.36,0,0,1-.407.975L2.353,4.594A1.373,1.373,0,0,1,1.379,5Z\" transform=\"translate(0)\" fill=\"#fff\"><\/path><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tExpert Recommendations\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe simplify your loans and commitments. Benefit from expert guidance to merge all your debts into one efficient structure.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fca3c41 elementor-laptop-position-top mission-03 elementor-widget__width-initial xts-animation-short-in-up xts-animation-slow xts_delay_300 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"fca3c41\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"102\" height=\"102\" viewBox=\"0 0 102 102\"><g id=\"Group_4188\" data-name=\"Group 4188\" transform=\"translate(-1300 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d=\"M23.118,2.494a4.25,4.25,0,0,1,6.009,0l3.424,3.424a.692.692,0,0,0,.6.194l4.782-.756A4.248,4.248,0,0,1,42.8,8.887l.756,4.782a.7.7,0,0,0,.372.512l4.313,2.2a4.248,4.248,0,0,1,1.858,5.716l-2.2,4.315a.688.688,0,0,0,0,.63l2.2,4.315a4.248,4.248,0,0,1-1.858,5.716l-4.313,2.2a.7.7,0,0,0-.372.512L42.8,44.56a4.248,4.248,0,0,1-4.862,3.531l-4.782-.756a.692.692,0,0,0-.6.194l-3.424,3.424a4.251,4.251,0,0,1-6.009,0l-3.424-3.424a.692.692,0,0,0-.6-.194l-4.782.756A4.248,4.248,0,0,1,9.45,44.56l-.756-4.782a.7.7,0,0,0-.372-.512l-4.313-2.2a4.248,4.248,0,0,1-1.858-5.716l2.2-4.315a.688.688,0,0,0,0-.63l-2.2-4.315A4.248,4.248,0,0,1,4.01,16.378l4.313-2.2a.7.7,0,0,0,.372-.512L9.45,8.887a4.248,4.248,0,0,1,4.862-3.531l4.782.756a.692.692,0,0,0,.6-.194Zm2.514,2.514L22.208,8.432a4.249,4.249,0,0,1-3.671,1.192l-4.782-.758a.693.693,0,0,0-.517.126.685.685,0,0,0-.277.453L12.2,14.226a4.243,4.243,0,0,1-2.268,3.121l-4.315,2.2a.7.7,0,0,0-.3.934l2.2,4.315a4.242,4.242,0,0,1,0,3.858l-2.2,4.315a.7.7,0,0,0,.3.934l4.315,2.2A4.243,4.243,0,0,1,12.2,39.221L12.962,44a.685.685,0,0,0,.277.453.693.693,0,0,0,.517.126l4.782-.758a4.249,4.249,0,0,1,3.671,1.192l3.424,3.424a.692.692,0,0,0,.981,0l3.424-3.424a4.249,4.249,0,0,1,3.671-1.192l4.782.758a.693.693,0,0,0,.517-.126A.685.685,0,0,0,39.284,44l.758-4.782A4.243,4.243,0,0,1,42.31,36.1l4.315-2.2a.7.7,0,0,0,.3-.934l-2.2-4.315a4.242,4.242,0,0,1,0-3.858l2.2-4.315a.7.7,0,0,0-.3-.934l-4.315-2.2a4.243,4.243,0,0,1-2.268-3.121l-.758-4.782a.685.685,0,0,0-.277-.453.693.693,0,0,0-.517-.126l-4.782.758a4.249,4.249,0,0,1-3.671-1.192L26.614,5.008a.692.692,0,0,0-.981,0Z\" transform=\"translate(-1.688 -1.25)\" fill=\"#fff\" fill-rule=\"evenodd\"><\/path><\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSeamless Approvals\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe pride ourselves on our high bank approval rates, attributed to our in-house financial expertise and global partnerships.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-872021a elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"872021a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6eef702 xts-animation-short-in-up xts-animation-slow xts_delay_100\" data-id=\"6eef702\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e6ff0c elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8e6ff0c\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"34\" height=\"34\" viewBox=\"0 0 34 34\"><defs><linearGradient id=\"linear-gradient\" x1=\"0.5\" x2=\"0.5\" y2=\"1\" gradientUnits=\"objectBoundingBox\"><stop offset=\"0\" stop-color=\"#8ac9ff\"><\/stop><stop offset=\"1\" stop-color=\"#2286db\"><\/stop><\/linearGradient><\/defs><circle id=\"Ellipse_1\" data-name=\"Ellipse 1\" cx=\"17\" cy=\"17\" r=\"17\" fill=\"url(#linear-gradient)\"><\/circle><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">More About i-Refinancing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-862952c elementor-widget elementor-widget-xts_title\" data-id=\"862952c\" data-element_type=\"widget\" data-widget_type=\"xts_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"xts-section-heading xts-reset-mb-10 xts-reset-last xts-textalign-center\" data-animation-delay=\"\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"xts-section-title title xts-design-default xts-textcolor-custom xts-fontsize-l\">\n\t\t\t\t\t\t<span class=\"xts-section-title-text\" data-elementor-setting-key=\"title\">\n\t\t\t\t\t\t\tDetails You Must Know\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c35f7b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"c35f7b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ecfd6f5 xts-animation-short-in-up xts-animation-slow xts_delay_100\" data-id=\"ecfd6f5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-24c75c1 elementor-widget elementor-widget-xts_title\" data-id=\"24c75c1\" data-element_type=\"widget\" data-widget_type=\"xts_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"xts-section-heading xts-reset-mb-10 xts-reset-last xts-textalign-left\" data-animation-delay=\"\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h4 class=\"xts-section-title title xts-design-default xts-textcolor-custom xts-fontsize-l\">\n\t\t\t\t\t\t<span class=\"xts-section-title-text\" data-elementor-setting-key=\"title\">\n\t\t\t\t\t\t\tProduct Features\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\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 class=\"elementor-element elementor-element-444e531 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"444e531\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Generates extra cash at hand<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Up to 80% margin of financing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No lock-in period<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Exclusive interest rates as low as 4.2% p.a.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-317eb8a xts-animation-short-in-up xts-animation-slow xts_delay_100\" data-id=\"317eb8a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56260e4 elementor-widget elementor-widget-xts_title\" data-id=\"56260e4\" data-element_type=\"widget\" data-widget_type=\"xts_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"xts-section-heading xts-reset-mb-10 xts-reset-last xts-textalign-left\" data-animation-delay=\"\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h4 class=\"xts-section-title title xts-design-default xts-textcolor-custom xts-fontsize-l\">\n\t\t\t\t\t\t<span class=\"xts-section-title-text\" data-elementor-setting-key=\"title\">\n\t\t\t\t\t\t\tEligibility Requirements\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\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 class=\"elementor-element elementor-element-e4a30b0 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e4a30b0\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Malaysian citizen<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Aged 21 - 55 years old<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Employed or self-employed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Own a property of more than 5 years<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9a18f4b elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"9a18f4b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e084a5d\" data-id=\"e084a5d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7aa7cea elementor-widget elementor-widget-html\" data-id=\"7aa7cea\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<!-- SEO Additional Content CSS -->\r\n<style>\r\n  .text-color {\r\n    color: #122655;\r\n  }\r\n    .seo-additional-content {\r\n   \r\n      padding-bottom: 50px;\r\n    }\r\n\r\n    .seo-additional-content h1, .seo-additional-content h2, .seo-additional-content h3 {\r\n        color: #181C62;\r\n        font-family: inherit;\r\n        font-family: \"Satoshi\", Arial, Helvetica, sans-serif;\r\n    }\r\n\r\n    .seo-additional-content h1 {\r\n        font-size: 1.8rem;\r\n    }\r\n\r\n    .seo-additional-content h2 {\r\n        font-size: 42px;\r\n    }\r\n\r\n    .seo-additional-content h3 {\r\n        font-size: 1.3rem;\r\n    }\r\n\r\n    .seo-additional-content a {\r\n        text-decoration: underline;\r\n        color: #FCAF3B;\r\n    }\r\n    \r\n    details summary {\r\n      display:block;\r\n      cursor: pointer;\r\n      color: red;\r\n      width: 100%;\r\n      margin-top: 20px;\r\n    }\r\n    \r\n    \/* \"Hidden Content\" When It Is Open\/Visible *\/\r\n    details[open] {\r\n      display: block;\r\n      padding-bottom: 25px;\r\n      padding-top: 10px;\r\n      animation: openClose 1s ease-in-out;\r\n      position: relative;\r\n    }\r\n    \r\n    \/* Close Toggle Button Container *\/\r\n    details[open] summary {\r\n      position: absolute;\r\n      bottom: 0;\r\n      left: 0;\r\n    }\r\n    \r\n    \/* Toggle Container When Clicked\/Focus *\/\r\n    details summary:focus {\r\n      outline: none;\r\n    }\r\n    \r\n    \/* Toggle Button Open & Closed *\/\r\n    details #open, details #close{\r\n      color: #181c62;\r\n      font-weight: 700;\r\n      position: relative;\r\n      display: flex;\r\n      align-items: center;\r\n      gap: 10px;\r\n    }\r\n    \r\n    \/* Arrow Icon For The Toggle *\/\r\n    details #open:after, details #close:after {\r\n        content: \"\";\r\n        background: url('https:\/\/api.iconify.design\/material-symbols:arrow-right-alt.svg') no-repeat;\r\n        background-size: contain;\r\n        background-position: center center;\r\n        width: 20px;\r\n        height: 20px;\r\n        display: inline-block;\r\n    }\r\n\r\n  \/* Read More Button Hides When The Content Is Showing *\/\r\n    details[open] #open {\r\n        display:none;\r\n    }\r\n\r\n  \/* Close Button Hides When The Content Is Not Showing *\/\r\n    details #close {\r\n        display:none;\r\n        text-align: left;\r\n    }\r\n  \r\n    \/* Wrapper Of The \"Close\" Button *\/\r\n    details[open] #close {\r\n        display:flex;\r\n    }\r\n    \r\n    \/*  *\/\r\n    ::-webkit-details-marker {display: none;}\r\n    \r\n    @keyframes openClose {\r\n      0% {\r\n        opacity: 0;\r\n        transform: translateY(-10px);\r\n        transition: all 2s ease-in-out;\r\n      }\r\n      100% {\r\n        opacity: 1;\r\n        transform: translateY(0);\r\n        transition: all 2s ease-in-out;\r\n      }\r\n    }\r\n    <\/style>\r\n    <!-- End of SEO Additional Content CSS -->\r\n        \r\n    <!-- SEO Additional Content Toggle -->\r\n    <div class=\"seo-additional-content\">\r\n        <!-- Shown content -->\r\n      <h2> Home Loan Refinancing As A Smart Financial Solution in Malaysia <\/h2>\r\n\r\n<p class=\"text-color\">If managing your monthly commitments feels overwhelming, it may be the right time to consider refinancing your home loan. Refinancing can help reduce monthly payments, secure better interest rates, and reduce your loan tenure, resulting in potential savings on both monthly expenses and long-term costs.<\/p>\r\n<p class=\"text-color\">The refinancing landscape has become even more attractive following Bank Negara Malaysia&rsquo;s decision to cut the Overnight Policy Rate (OPR) to <a href=\"https:\/\/theedgemalaysia.com\/node\/773214#:~:text=For%20the%20first%20time%20in%20five%20years%2C%20Bank%20Negara%20Malaysia%20has%20trimmed%20its%20key%20interest%20rate%20to%202.75%25%20in%20July%202025.%20The%20move%20is%20aimed%20at%20supporting%20growth%20as%20global%20trade%20tensions%20rise%2C%20though%20views%20are%20mixed%20on%20whether%20this%20is%20the%20start%20of%20a%20longer%20cutting%20cycle.\">2.75% in July 2025<\/a>, the first reduction in five years. This move is aimed at supporting economic growth and directly translates to lower borrowing costs for homeowners.&nbsp;<\/p>\r\n<p class=\"text-color\">In practical terms, this means you may be able to lock in a lower interest rate, reduce your monthly repayments, or access extra cash for renovations, education, or other financial needs. During periods of economic uncertainty, many Malaysians have turned to refinancing as a way to manage cash flow and adapt to changing circumstances.<\/p>\r\n\r\n\r\n        <details>\r\n            <summary>\r\n                <span id=\"open\">Read More<\/span>\r\n                <span id=\"close\">Close<\/span>\r\n            <\/summary>\r\n    \r\n            <!-- Hidden content for toggle -->\r\n          <h2> When to Consider Refinancing Your Home Loan or Mortgage <\/h2>\r\n\r\n<p class=\"text-color\">Mortgage refinancing can be a smart financial decision, depending on your specific circumstances. For instance, refinancing becomes advantageous if you can lower your current interest rate by 1% or more for significant long-term savings. A reduced interest rate also helps you build equity in your home faster.<\/p>\r\n\r\n<p class=\"text-color\">This option is particularly beneficial for individuals seeking to consolidate debt, cover major expenses, or enhance their financial strategies. If you're uncertain about whether refinancing aligns with your goals, consulting with a professional mortgage refinance company or expert can provide clarity and tailored advice.<\/p>\r\n\r\n<h2> Choosing the Best Mortgage Loan Refinance Company <\/h2>\r\n\r\n<p class=\"text-color\">Selecting the right mortgage refinance company is crucial to aligning with your financial needs. Investing time in researching and comparing options ensures you secure loan terms that best suit your goals while minimising interest rates and fees.<\/p>\r\n\r\n<p class=\"text-color\">Key aspects to consider include the company\u2019s reputation, customer service quality, approval speed, and the range of services offered. A reputable company with comprehensive solutions can simplify the refinancing process and provide significant long-term benefits.<\/p>\r\n\r\n<p class=\"text-color\">If you're uncertain about where to start, <a href=\"https:\/\/www.ibpo.com.my\/\">IBPO Group<\/a> offers a reliable choice. Our i-Refinancing program provides cash rebates for up to ten years and savings of up to 70% on monthly commitments, designed to help you achieve your financial goals.<\/p>\r\n\r\n<h2> Best Home Loan Refinancing Solutions in Malaysia <\/h2>\r\n\r\n<p class=\"text-color\">At IBPO Group, we provide a program specifically designed to help homeowners across Malaysia navigate financial challenges with solutions tailored to their unique circumstances.<\/p>\r\n\r\n<p class=\"text-color\">Our refinancing services simplify financial commitments by consolidating debts into a single, manageable structure to help you save on monthly payments and reduce long-term costs.  With no hidden fees and a transparent process, IBPO Group ensures our clients get access to the best home refinancing solutions in Malaysia without unnecessary delays.<\/p>\r\n\r\n<p class=\"text-color\">You may also want to consider our other financial programs:<\/p>\r\n\r\n<ul>\r\n  <li class=\"text-color\"><a href=\"https:\/\/www.ibpo.com.my\/debt-consolidation\/\">i-Console Plus<\/a><\/li>\r\n  <li class=\"text-color\"><a href=\"https:\/\/www.ibpo.com.my\/i-connect\/\">i-Connect<\/a><\/li>\r\n  <li class=\"text-color\"><a href=\"https:\/\/www.ibpo.com.my\/housing-value-investment\/\">House Value Investment<\/a><\/li>\r\n<\/ul>\r\n\r\n<h2> Take the First Step in Your Home Loan Refinance with IBPO <\/h2>\r\n\r\n<p class=\"text-color\">Refinancing your mortgage can be a great way to save money and achieve financial flexibility, but it\u2019s important to ensure that the plan you choose aligns with your financial goals.<\/p>\r\n\r\n<p class=\"text-color\">Several factors can influence whether refinancing is the right choice, such as securing lower monthly payments and qualifying for a better mortgage rate. Consulting with a financial expert like IBPO can help you navigate these options and make an informed decision.<\/p>\r\n\r\n<p class=\"text-color\">Interested in learning more about our services? <a href=\"https:\/\/wa.ibpo.com.my\/?r=wb\">Contact us<\/a> for your free consultation and discover how IBPO can make your refinancing journey stress-free and beneficial!<\/p>\r\n\r\n\r\n    \r\n        <\/details>\r\n    <\/div>\r\n    <!-- End of SEO Additional Content\u00a0Toggle\u00a0-->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9718762 elementor-widget elementor-widget-heading\" data-id=\"9718762\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">FAQs About Home Loan Refinancing in Malaysia<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a51d9c1 elementor-widget elementor-widget-accordion\" data-id=\"a51d9c1\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>.elementor-accordion{text-align:start}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1731\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1731\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56.694\" height=\"56.694\" viewBox=\"0 0 56.694 56.694\"><g id=\"Group_4368\" data-name=\"Group 4368\" transform=\"translate(-998.934 -642.061)\"><rect id=\"Rectangle_706\" data-name=\"Rectangle 706\" width=\"56.694\" height=\"56.694\" rx=\"28.347\" transform=\"translate(998.934 642.061)\" fill=\"#ffde39\"><\/rect><g id=\"Group_4367\" data-name=\"Group 4367\" transform=\"translate(1016.703 659.83)\"><g id=\"Group_3532\" data-name=\"Group 3532\" transform=\"translate(0 8.76)\"><g id=\"Group_3531\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889\" data-name=\"Path 889\" d=\"M3779.85,97.363h-17.518a1.681,1.681,0,0,1,0-3.363h17.518a1.681,1.681,0,1,1,0,3.363Z\" transform=\"translate(-3760.651 -94)\" fill=\"#181c62\"><\/path><\/g><\/g><g id=\"Group_4366\" data-name=\"Group 4366\" transform=\"translate(12.122 0) rotate(90)\"><g id=\"Group_3531-2\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889-2\" data-name=\"Path 889\" d=\"M19.2,3.363H1.681A1.681,1.681,0,0,1,1.681,0H19.2a1.681,1.681,0,1,1,0,3.363Z\" fill=\"#181c62\"><\/path><\/g><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56.694\" height=\"56.694\" viewBox=\"0 0 56.694 56.694\"><g id=\"Group_4009\" data-name=\"Group 4009\" transform=\"translate(-998.934 -642.061)\"><rect id=\"Rectangle_706\" data-name=\"Rectangle 706\" width=\"56.694\" height=\"56.694\" rx=\"28.347\" transform=\"translate(998.934 642.061)\" fill=\"#ffde39\"><\/rect><g id=\"Group_4367\" data-name=\"Group 4367\" transform=\"translate(1016.703 659.83)\"><g id=\"Group_3532\" data-name=\"Group 3532\" transform=\"translate(0 8.76)\"><g id=\"Group_3531\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889\" data-name=\"Path 889\" d=\"M3779.85,97.363h-17.518a1.681,1.681,0,0,1,0-3.363h17.518a1.681,1.681,0,1,1,0,3.363Z\" transform=\"translate(-3760.651 -94)\" fill=\"#181c62\"><\/path><\/g><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\"><h3 style=\"margin: 0px;\">What is home loan refinancing?<\/h3><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1731\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1731\"><p><span style=\"font-weight: 400;\">Home loan refinancing involves replacing your existing mortgage with a new loan to secure a lower interest rate, reduce monthly payments, or access extra cash.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1732\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1732\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56.694\" height=\"56.694\" viewBox=\"0 0 56.694 56.694\"><g id=\"Group_4368\" data-name=\"Group 4368\" transform=\"translate(-998.934 -642.061)\"><rect id=\"Rectangle_706\" data-name=\"Rectangle 706\" width=\"56.694\" height=\"56.694\" rx=\"28.347\" transform=\"translate(998.934 642.061)\" fill=\"#ffde39\"><\/rect><g id=\"Group_4367\" data-name=\"Group 4367\" transform=\"translate(1016.703 659.83)\"><g id=\"Group_3532\" data-name=\"Group 3532\" transform=\"translate(0 8.76)\"><g id=\"Group_3531\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889\" data-name=\"Path 889\" d=\"M3779.85,97.363h-17.518a1.681,1.681,0,0,1,0-3.363h17.518a1.681,1.681,0,1,1,0,3.363Z\" transform=\"translate(-3760.651 -94)\" fill=\"#181c62\"><\/path><\/g><\/g><g id=\"Group_4366\" data-name=\"Group 4366\" transform=\"translate(12.122 0) rotate(90)\"><g id=\"Group_3531-2\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889-2\" data-name=\"Path 889\" d=\"M19.2,3.363H1.681A1.681,1.681,0,0,1,1.681,0H19.2a1.681,1.681,0,1,1,0,3.363Z\" fill=\"#181c62\"><\/path><\/g><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56.694\" height=\"56.694\" viewBox=\"0 0 56.694 56.694\"><g id=\"Group_4009\" data-name=\"Group 4009\" transform=\"translate(-998.934 -642.061)\"><rect id=\"Rectangle_706\" data-name=\"Rectangle 706\" width=\"56.694\" height=\"56.694\" rx=\"28.347\" transform=\"translate(998.934 642.061)\" fill=\"#ffde39\"><\/rect><g id=\"Group_4367\" data-name=\"Group 4367\" transform=\"translate(1016.703 659.83)\"><g id=\"Group_3532\" data-name=\"Group 3532\" transform=\"translate(0 8.76)\"><g id=\"Group_3531\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889\" data-name=\"Path 889\" d=\"M3779.85,97.363h-17.518a1.681,1.681,0,0,1,0-3.363h17.518a1.681,1.681,0,1,1,0,3.363Z\" transform=\"translate(-3760.651 -94)\" fill=\"#181c62\"><\/path><\/g><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\"><h3 style=\"margin: 0px;\">What are the benefits of refinancing a mortgage loan?<\/h3><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1732\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1732\"><p><span style=\"font-weight: 400;\">Refinancing a mortgage loan can help you save on interest, lower your monthly payments, shorten your repayment period, receive monthly cash rebates, and access extra funds for personal or business needs.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1733\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1733\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56.694\" height=\"56.694\" viewBox=\"0 0 56.694 56.694\"><g id=\"Group_4368\" data-name=\"Group 4368\" transform=\"translate(-998.934 -642.061)\"><rect id=\"Rectangle_706\" data-name=\"Rectangle 706\" width=\"56.694\" height=\"56.694\" rx=\"28.347\" transform=\"translate(998.934 642.061)\" fill=\"#ffde39\"><\/rect><g id=\"Group_4367\" data-name=\"Group 4367\" transform=\"translate(1016.703 659.83)\"><g id=\"Group_3532\" data-name=\"Group 3532\" transform=\"translate(0 8.76)\"><g id=\"Group_3531\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889\" data-name=\"Path 889\" d=\"M3779.85,97.363h-17.518a1.681,1.681,0,0,1,0-3.363h17.518a1.681,1.681,0,1,1,0,3.363Z\" transform=\"translate(-3760.651 -94)\" fill=\"#181c62\"><\/path><\/g><\/g><g id=\"Group_4366\" data-name=\"Group 4366\" transform=\"translate(12.122 0) rotate(90)\"><g id=\"Group_3531-2\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889-2\" data-name=\"Path 889\" d=\"M19.2,3.363H1.681A1.681,1.681,0,0,1,1.681,0H19.2a1.681,1.681,0,1,1,0,3.363Z\" fill=\"#181c62\"><\/path><\/g><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56.694\" height=\"56.694\" viewBox=\"0 0 56.694 56.694\"><g id=\"Group_4009\" data-name=\"Group 4009\" transform=\"translate(-998.934 -642.061)\"><rect id=\"Rectangle_706\" data-name=\"Rectangle 706\" width=\"56.694\" height=\"56.694\" rx=\"28.347\" transform=\"translate(998.934 642.061)\" fill=\"#ffde39\"><\/rect><g id=\"Group_4367\" data-name=\"Group 4367\" transform=\"translate(1016.703 659.83)\"><g id=\"Group_3532\" data-name=\"Group 3532\" transform=\"translate(0 8.76)\"><g id=\"Group_3531\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889\" data-name=\"Path 889\" d=\"M3779.85,97.363h-17.518a1.681,1.681,0,0,1,0-3.363h17.518a1.681,1.681,0,1,1,0,3.363Z\" transform=\"translate(-3760.651 -94)\" fill=\"#181c62\"><\/path><\/g><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\"><h3 style=\"margin: 0px;\">Why should I consider refinancing my home loan in Malaysia?<\/h3><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1733\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1733\"><p><span style=\"font-weight: 400;\">Refinancing your home loan in Malaysia can help you secure a lower interest rate, reduce your monthly repayments, or access extra cash for personal or business needs. Many homeowners choose to refinance to consolidate debts, shorten their loan tenure, or switch to a more flexible loan package with features like cash rebates and no hidden fees.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">It\u2019s important to compare different refinancing offers and review all costs involved before making a decision to ensure the best outcome for your financial situation.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1734\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1734\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56.694\" height=\"56.694\" viewBox=\"0 0 56.694 56.694\"><g id=\"Group_4368\" data-name=\"Group 4368\" transform=\"translate(-998.934 -642.061)\"><rect id=\"Rectangle_706\" data-name=\"Rectangle 706\" width=\"56.694\" height=\"56.694\" rx=\"28.347\" transform=\"translate(998.934 642.061)\" fill=\"#ffde39\"><\/rect><g id=\"Group_4367\" data-name=\"Group 4367\" transform=\"translate(1016.703 659.83)\"><g id=\"Group_3532\" data-name=\"Group 3532\" transform=\"translate(0 8.76)\"><g id=\"Group_3531\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889\" data-name=\"Path 889\" d=\"M3779.85,97.363h-17.518a1.681,1.681,0,0,1,0-3.363h17.518a1.681,1.681,0,1,1,0,3.363Z\" transform=\"translate(-3760.651 -94)\" fill=\"#181c62\"><\/path><\/g><\/g><g id=\"Group_4366\" data-name=\"Group 4366\" transform=\"translate(12.122 0) rotate(90)\"><g id=\"Group_3531-2\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889-2\" data-name=\"Path 889\" d=\"M19.2,3.363H1.681A1.681,1.681,0,0,1,1.681,0H19.2a1.681,1.681,0,1,1,0,3.363Z\" fill=\"#181c62\"><\/path><\/g><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56.694\" height=\"56.694\" viewBox=\"0 0 56.694 56.694\"><g id=\"Group_4009\" data-name=\"Group 4009\" transform=\"translate(-998.934 -642.061)\"><rect id=\"Rectangle_706\" data-name=\"Rectangle 706\" width=\"56.694\" height=\"56.694\" rx=\"28.347\" transform=\"translate(998.934 642.061)\" fill=\"#ffde39\"><\/rect><g id=\"Group_4367\" data-name=\"Group 4367\" transform=\"translate(1016.703 659.83)\"><g id=\"Group_3532\" data-name=\"Group 3532\" transform=\"translate(0 8.76)\"><g id=\"Group_3531\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_889\" data-name=\"Path 889\" d=\"M3779.85,97.363h-17.518a1.681,1.681,0,0,1,0-3.363h17.518a1.681,1.681,0,1,1,0,3.363Z\" transform=\"translate(-3760.651 -94)\" fill=\"#181c62\"><\/path><\/g><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\"><h3 style=\"margin: 0px;\">Can I refinance my property if I have a bad credit score?<\/h3><\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1734\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1734\"><p><span style=\"font-weight: 400;\">Yes, refinancing your property is possible even with a bad credit score, but you may face higher interest rates or stricter approval terms. Some lenders are willing to consider applicants with steady income and sufficient property value, though you might need to provide extra documentation or accept less flexible loan conditions.<\/span><\/p><p><span style=\"font-weight: 400;\">Many people use property refinancing to consolidate debts, lower monthly payments, or access extra cash for urgent needs. It\u2019s important to compare refinancing packages, review all costs, and understand the terms before making a decision. Seeking advice from a mortgage consultant or using an online refinancing calculator can help you find the best solution for your financial situation.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7637952 elementor-section-full_width xts-section-stretch-content elementor-section-height-default elementor-section-height-default\" data-id=\"7637952\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-91ac7a7\" data-id=\"91ac7a7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9ba6e4f xts-animation-short-in-up xts-animation-slow elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled xts_delay_100\" data-id=\"9ba6e4f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7b07cee\" data-id=\"7b07cee\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2228db8 elementor-align-left elementor-mobile-align-center elementor-tablet-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2228db8\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"34\" height=\"34\" viewBox=\"0 0 34 34\"><defs><linearGradient id=\"linear-gradient\" x1=\"0.5\" x2=\"0.5\" y2=\"1\" gradientUnits=\"objectBoundingBox\"><stop offset=\"0\" stop-color=\"#8ac9ff\"><\/stop><stop offset=\"1\" stop-color=\"#2286db\"><\/stop><\/linearGradient><\/defs><circle id=\"Ellipse_1\" data-name=\"Ellipse 1\" cx=\"17\" cy=\"17\" r=\"17\" fill=\"url(#linear-gradient)\"><\/circle><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Steps to Apply i-Refinancing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-570fc81 xts-animation-short-in-up xts-animation-slow xts_delay_100 elementor-widget elementor-widget-xts_title\" data-id=\"570fc81\" data-element_type=\"widget\" data-widget_type=\"xts_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"xts-section-heading xts-reset-mb-10 xts-reset-last xts-textalign-left xts-textalign-sm-center\" data-animation-delay=\"\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"xts-section-title title xts-design-default xts-textcolor-custom xts-fontsize-l\">\n\t\t\t\t\t\t<span class=\"xts-section-title-text\" data-elementor-setting-key=\"title\">\n\t\t\t\t\t\t\tStart Your Mortgage Loan Refinancing Journey in Malaysia with IBPO\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8172e7e\" data-id=\"8172e7e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16939d8 services-line xts-animation-short-in-up xts-animation-slow xts_delay_200 elementor-widget elementor-widget-xts_timeline\" data-id=\"16939d8\" data-element_type=\"widget\" data-widget_type=\"xts_timeline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"xts-timeline\">\n\t\t\t\t<div class=\"xts-timeline-line xts-fill\">\n\t\t\t\t\t<span class=\"xts-timeline-dot xts-dot-start\"><\/span>\n\t\t\t\t\t<span class=\"xts-timeline-dot xts-dot-end\"><\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\" xts-timeline-items\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-dot\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-item xts-timeline-item-first xts-reset-all-last xts-reset-mb-10 xts-textalign-left\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-image\">\n\t\t\t\t\t<img width=\"81\" height=\"81\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/Group-12.svg\" class=\"attachment-full size-full wp-image-1447\" alt=\"\" decoding=\"async\" \/>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"xts-timeline-subtitle xts-textcolor-custom xts-fontsize-s\" data-elementor-setting-key=\"timeline_items.0.first_subtitle\">\n\t\t\t\t\t01\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<h5 class=\"xts-timeline-title title xts-textcolor-custom xts-fontsize-l\" data-elementor-setting-key=\"timeline_items.0.first_title\">\n\t\t\t\t\tSubmit your request\t\t\t\t<\/h5>\n\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\" xts-timeline-items xts-reverse\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-dot\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-item xts-timeline-item-first xts-reset-all-last xts-reset-mb-10 xts-textalign-left\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-image\">\n\t\t\t\t\t<img loading=\"lazy\" width=\"81\" height=\"81\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/Group-10.svg\" class=\"attachment-full size-full wp-image-1449\" alt=\"\" decoding=\"async\" \/>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"xts-timeline-subtitle xts-textcolor-custom xts-fontsize-s\" data-elementor-setting-key=\"timeline_items.1.first_subtitle\">\n\t\t\t\t\t02\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<h5 class=\"xts-timeline-title title xts-textcolor-custom xts-fontsize-l\" data-elementor-setting-key=\"timeline_items.1.first_title\">\n\t\t\t\t\tGet an in-house pre-qualification\t\t\t\t<\/h5>\n\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\" xts-timeline-items\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-dot\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-item xts-timeline-item-first xts-reset-all-last xts-reset-mb-10 xts-textalign-left\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-image\">\n\t\t\t\t\t<img loading=\"lazy\" width=\"81\" height=\"81\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/Group-11.svg\" class=\"attachment-full size-full wp-image-1450\" alt=\"\" decoding=\"async\" \/>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"xts-timeline-subtitle xts-textcolor-custom xts-fontsize-s\" data-elementor-setting-key=\"timeline_items.2.first_subtitle\">\n\t\t\t\t\t03\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<h5 class=\"xts-timeline-title title xts-textcolor-custom xts-fontsize-l\" data-elementor-setting-key=\"timeline_items.2.first_title\">\n\t\t\t\t\tConsultation and submit documentation\t\t\t\t<\/h5>\n\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\" xts-timeline-items xts-reverse\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-dot\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-item xts-timeline-item-first xts-reset-all-last xts-reset-mb-10 xts-textalign-left\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"xts-timeline-image\">\n\t\t\t\t\t<img loading=\"lazy\" width=\"81\" height=\"81\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/Group-13.svg\" class=\"attachment-full size-full wp-image-1448\" alt=\"\" decoding=\"async\" \/>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"xts-timeline-subtitle xts-textcolor-custom xts-fontsize-s\" data-elementor-setting-key=\"timeline_items.3.first_subtitle\">\n\t\t\t\t\t04\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<h5 class=\"xts-timeline-title title xts-textcolor-custom xts-fontsize-l\" data-elementor-setting-key=\"timeline_items.3.first_title\">\n\t\t\t\t\tApproval\t\t\t\t<\/h5>\n\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f102f4a xts-section-stretch-content home-banner-0 elementor-section-full_width elementor-section-content-top animated-slow elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"1f102f4a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6df115a3\" data-id=\"6df115a3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4dd743de elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"4dd743de\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6dc5f2f3\" data-id=\"6dc5f2f3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60ff0a29 elementor-align-left elementor-tablet-align-left cta-btn-1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"60ff0a29\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/chat.ibpo.com.my\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"49\" height=\"49\" viewBox=\"0 0 49 49\"><g id=\"Group_3562\" data-name=\"Group 3562\" transform=\"translate(-997.938 -641.277)\"><rect id=\"Rectangle_706\" data-name=\"Rectangle 706\" width=\"49\" height=\"49\" rx=\"24.5\" transform=\"translate(997.938 641.277)\" fill=\"#ffde39\"><\/rect><g id=\"Group_3532\" data-name=\"Group 3532\" transform=\"translate(1015.358 659.716)\"><g id=\"Group_3531\" data-name=\"Group 3531\" transform=\"translate(0 0)\"><path id=\"Path_888\" data-name=\"Path 888\" d=\"M0,7.516l7.361-.155L7.516,0\" transform=\"translate(4.759 5.314) rotate(-45)\" fill=\"none\" stroke=\"#181c62\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\"><\/path><path id=\"Path_889\" data-name=\"Path 889\" d=\"M3761.65,95h15.075\" transform=\"translate(-3761.65 -89.686)\" fill=\"none\" stroke=\"#181c62\" stroke-linecap=\"round\" stroke-width=\"2\"><\/path><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Apply Now<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cd02a86 xts-textalign-left xts-scheme-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5cd02a86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Get started with fusion financing now.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c297b9c elementor-widget elementor-widget-html\" data-id=\"2c297b9c\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\n    \n    .cta-btn-1 ul.elementor-icon-list-items>li:nth-child(1) a {\n    display: flex;\n    flex-direction: row-reverse;\n    justify-content: flex-end;\n    }\n    .cta-btn-1 li.elementor-icon-list-item span.elementor-icon-list-icon {margin-left: 1%;\n}\n.elementor-294 .elementor-element.elementor-element-66a91d4 .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:last-child) {\n    \/* padding-bottom: calc(0px\/1); *\/\n    margin-bottom: -1em;\n}\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2b0b5aef\" data-id=\"2b0b5aef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76837c40 elementor-widget elementor-widget-image\" data-id=\"76837c40\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"864\" height=\"691\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/cta-img.png\" class=\"attachment-full size-full wp-image-1621\" alt=\"Apply Now\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/cta-img.png 864w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/cta-img-300x240.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/09\/cta-img-768x614.png 768w\" sizes=\"(max-width: 864px) 100vw, 864px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mortgage Loan Refinance i-Refinancing What Is i-Refinancing Unlock Financial Freedom with Mortgage Refinance Solutions Introducing i-Refinancing, a mortgage refinancing program that offers tailored refinancing solutions to help you achieve your financial goals by leveraging off your home\u2019s value. With exclusive interest rates of as low as 4.2% p.a., our program allows you to easily manage [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgage Loan Refinancing in Malaysia | Best Home Refinance Loan<\/title>\n<meta name=\"description\" content=\"Get the best house refinance loan in Malaysia with IBPO Group. Refinance your house easily with our i-Refinancing plan and unlock your home\u2019s value today. Contact us now\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibpo.com.my\/bm\/refinans-pinjaman-gadai-janji\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Loan Refinancing in Malaysia | Best Home Refinance Loan\" \/>\n<meta property=\"og:description\" content=\"Get the best house refinance loan in Malaysia with IBPO Group. Refinance your house easily with our i-Refinancing plan and unlock your home\u2019s value today. Contact us now\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ibpo.com.my\/bm\/refinans-pinjaman-gadai-janji\/\" \/>\n<meta property=\"og:site_name\" content=\"IBPO\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-17T04:27:16+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/10\/i-Refinancing.png\" \/>\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=\"7 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.ibpo.com.my\/mortgage-loan-refinance\/\",\"url\":\"https:\/\/www.ibpo.com.my\/mortgage-loan-refinance\/\",\"name\":\"Mortgage Loan Refinancing in Malaysia | Best Home Refinance Loan\",\"isPartOf\":{\"@id\":\"https:\/\/www.ibpo.com.my\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.ibpo.com.my\/mortgage-loan-refinance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.ibpo.com.my\/mortgage-loan-refinance\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2023\/10\/i-Refinancing.png\",\"datePublished\":\"2023-09-19T07:46:57+00:00\",\"dateModified\":\"2025-11-17T04:27:16+00:00\",\"description\":\"Get the best house refinance loan in Malaysia with IBPO Group. 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Gadaikan semula rumah anda dengan mudah menerusi pelan i-Refinancing kami dan buka kunci nilai rumah anda hari ini. Hubungi kami sekarang","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:\/\/www.ibpo.com.my\/bm\/refinans-pinjaman-gadai-janji\/","og_locale":"ms_MY","og_type":"article","og_title":"Mortgage Loan Refinancing in Malaysia | Best Home Refinance Loan","og_description":"Get the best house refinance loan in Malaysia with IBPO Group. Refinance your house easily with our i-Refinancing plan and unlock your home\u2019s value today. 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