{"id":7218,"date":"2025-03-25T07:56:01","date_gmt":"2025-03-25T07:56:01","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=7218"},"modified":"2025-05-06T02:09:50","modified_gmt":"2025-05-06T02:09:50","slug":"perunding-gadai-janji-2","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/mortgage-consultant-2\/","title":{"rendered":"Pulihkan Kewangan Anda Selepas Hari Raya: Bagaimana Penggabungan Hutang &amp; Pembiayaan Semula Pinjaman Gadai Janji Boleh Membantu!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7218\" class=\"elementor elementor-7218\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a0cd965 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"6a0cd965\" 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-top-column elementor-element elementor-element-4b27d7\" data-id=\"4b27d7\" 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-242ca847 elementor-widget-laptop__width-initial xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"242ca847\" 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>[xts_html_block id=&#8221;3506&#8243;]<br \/>\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2025-03-25T07:56:01+00:00\">\n\t\t\t\t\t25 Mac 2025\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2025-05-06T02:09:50+00:00\">\n\t\t\t\t\t6 Mei 2025\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\tRecover Your Finances After Hari Raya: How Debt Consolidation &#038; Mortgage Loan Refinancing Can Help!\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/p><p><span class=\"TextRun SCXW187074118 BCX0\" lang=\"EN\" xml:lang=\"EN\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW187074118 BCX0\">The festive season, especially Hari Raya, is a time <\/span><\/span><span class=\"TextRun SCXW187074118 BCX0\" lang=\"EN-MY\" xml:lang=\"EN-MY\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW187074118 BCX0\">for <\/span><\/span><span class=\"TextRun SCXW187074118 BCX0\" lang=\"EN\" xml:lang=\"EN\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW187074118 BCX0\">celebration<\/span><\/span><span class=\"TextRun SCXW187074118 BCX0\" lang=\"EN-MY\" xml:lang=\"EN-MY\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW187074118 BCX0\"> after a long month of fasting<\/span><\/span><span class=\"TextRun SCXW187074118 BCX0\" lang=\"EN\" xml:lang=\"EN\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW187074118 BCX0\">. However, the excitement of shopping, traveling, and buying gifts can often lead to overspending, leaving many of us feeling financially strained as we head into the months that follow.\u00a0<\/span><\/span><span class=\"EOP SCXW187074118 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-7227 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/rear-view-woman-standing-store-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/rear-view-woman-standing-store-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/rear-view-woman-standing-store-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/rear-view-woman-standing-store-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/rear-view-woman-standing-store-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/rear-view-woman-standing-store-1536x1024.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/rear-view-woman-standing-store-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span data-contrast=\"auto\">In 2019, 46% of Muslims<\/span><a href=\"https:\/\/www.statista.com\/statistics\/1114131\/malaysia-hari-raya-expenditure-distribution\/\"><span data-contrast=\"none\"> surveyed <\/span><\/a><span data-contrast=\"auto\">in Malaysia stated that they spent between <\/span><span data-contrast=\"auto\">RM<\/span><span data-contrast=\"auto\">50<\/span><span data-contrast=\"auto\">0 &#8211; RM1,000 <\/span><span data-contrast=\"auto\">for Ramadan and Hari Raya.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><span data-contrast=\"auto\">This year, curious about our fellow Fusionist colleagues, we<\/span><span data-contrast=\"auto\"> asked <\/span><span data-contrast=\"auto\">them<\/span><span data-contrast=\"auto\"> how <\/span><span data-contrast=\"auto\">much they <\/span><span data-contrast=\"auto\">would spend for their Hari Raya<\/span><span data-contrast=\"auto\"> celebrations<\/span><span data-contrast=\"auto\">!\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">On average, total spending ranged from RM500 &#8211; RM3,000 for individuals or those with fewer family members.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><span data-contrast=\"auto\">However, for those with more family members, the budget typically falls between RM4,000 &#8211; RM6,000!<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">\u201cAlmost every year for Raya, I will spend around RM5,000-RM6,000 because I have so many kids! I will spend about RM500 for each of my kids.\u201d <\/span><\/i><span data-contrast=\"auto\">&#8211; Nelly\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><span data-contrast=\"auto\">The total spending budget includes festive preparations such as:\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf06c\" data-font=\"Wingdings\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:420,&quot;335559991&quot;:420,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf06c&quot;,&quot;469777815&quot;:&quot;singleLevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Baju raya\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:420,&quot;335559740&quot;:276,&quot;335559795&quot;:0,&quot;335559797&quot;:0,&quot;335559991&quot;:420}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf06c\" data-font=\"Wingdings\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:420,&quot;335559991&quot;:420,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf06c&quot;,&quot;469777815&quot;:&quot;singleLevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Shoes and accessories\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:420,&quot;335559740&quot;:276,&quot;335559795&quot;:0,&quot;335559797&quot;:0,&quot;335559991&quot;:420}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf06c\" data-font=\"Wingdings\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:420,&quot;335559991&quot;:420,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf06c&quot;,&quot;469777815&quot;:&quot;singleLevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Raya cookies and food<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:420,&quot;335559740&quot;:276,&quot;335559795&quot;:0,&quot;335559797&quot;:0,&quot;335559991&quot;:420}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf06c\" data-font=\"Wingdings\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:420,&quot;335559991&quot;:420,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf06c&quot;,&quot;469777815&quot;:&quot;singleLevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Transportation fees to \u2018balik kampung\u2019<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:420,&quot;335559740&quot;:276,&quot;335559795&quot;:0,&quot;335559797&quot;:0,&quot;335559991&quot;:420}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf06c\" data-font=\"Wingdings\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:420,&quot;335559991&quot;:420,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf06c&quot;,&quot;469777815&quot;:&quot;singleLevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Duit Raya (money packets)\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:420,&quot;335559740&quot;:276,&quot;335559795&quot;:0,&quot;335559797&quot;:0,&quot;335559991&quot;:420}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:420,&quot;335559740&quot;:276,&quot;335559797&quot;:0,&quot;335559991&quot;:420}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">While our colleagues expressed concerns about their Raya budget, <\/span><span data-contrast=\"auto\">they also <\/span><span data-contrast=\"auto\">recogni<\/span><span data-contrast=\"auto\">s<\/span><span data-contrast=\"auto\">ed that Raya is a once-a-year occasion and a truly fulfilling celebration<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/-PgfoLoBbOo?si=o0DrheS6tGudOsir\" width=\"315\" height=\"560\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">\u201cIs it worth it? Yes, because it\u2019s for Raya! But it\u2019s quite a burden because RM800 is not a small amount and can be saved for other things or used for the coming months.\u201d <\/span><\/i><span data-contrast=\"auto\">&#8211; Jurika<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p>\u00a0<\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><i><span data-contrast=\"auto\">\u201cI do feel heavy about it, but Raya only comes once a year. Plus, Raya is about being happy and making your family and children happy!\u201d<\/span><\/i><span data-contrast=\"auto\"> &#8211; Hidayah<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p>\u00a0<\/p><p><i><span data-contrast=\"auto\">\u201cFor me, I feel truly happy because I can make my parents and siblings happy with the money I spend. I\u2019m very happy!\u201d<\/span><\/i><span data-contrast=\"auto\"> &#8211; Ridzuan<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">If you\u2019re feeling the financial pressure, you are not alone. The good news is that there are effective ways to recover and get back on track!<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p>\u00a0<\/p><h3><strong><span class=\"EOP SCXW187074118 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\"><span class=\"TextRun SCXW199770779 BCX0\" lang=\"EN-MY\" xml:lang=\"EN-MY\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW199770779 BCX0\" data-ccp-parastyle=\"Normal (Web)\">Strategy #1 <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW199770779 BCX0\" data-ccp-parastyle=\"Normal (Web)\">Kosong-kosong<\/span><span class=\"NormalTextRun SCXW199770779 BCX0\" data-ccp-parastyle=\"Normal (Web)\"> your \u2018<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW199770779 BCX0\" data-ccp-parastyle=\"Normal (Web)\">hutang<\/span><span class=\"NormalTextRun SCXW199770779 BCX0\" data-ccp-parastyle=\"Normal (Web)\">\u2019 with Debt Consolidation<\/span><\/span><span class=\"EOP SCXW199770779 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/span><\/strong><\/h3><p><img decoding=\"async\" class=\"alignnone wp-image-7226 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/group-people-traditional-clothing-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/group-people-traditional-clothing-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/group-people-traditional-clothing-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/group-people-traditional-clothing-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/group-people-traditional-clothing-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/group-people-traditional-clothing-1536x1024.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/group-people-traditional-clothing-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span data-contrast=\"auto\">Debt consolidation involves combining several debts into a single loan, often with a lower interest rate. This option is ideal if you&#8217;re struggling to keep up with multiple payments and want to &#8220;zero&#8221; out your credit card or outstanding loan balances.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p>\u00a0<\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><b><span data-contrast=\"auto\">Why This Works?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><b><span data-contrast=\"auto\">\u2b50 Simplified Payments:<\/span><\/b><span data-contrast=\"auto\"> One loan, one payment \u2013 easier to manage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u2b50 Lower Interest Rates: <\/span><\/b><span data-contrast=\"auto\">Save money by reducing the interest you pay.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u2b50 Reduced Stress:<\/span><\/b><span data-contrast=\"auto\"> No need to track multiple debts or creditors.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u2b50 Faster Debt Repayment: <\/span><\/b><span data-contrast=\"auto\">With a lower interest rate, you can pay off your debt more quickly.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">This is the perfect solution for those who want to<\/span><b><span data-contrast=\"auto\"> clear their debts<\/span><\/b><span data-contrast=\"auto\"> and f<\/span><b><span data-contrast=\"auto\">ocus on just one payment,<\/span><\/b><span data-contrast=\"auto\"> giving you a clear path toward financial freedom.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><h3><b><span data-contrast=\"auto\">Strategy #2: Let Your Home&#8217;s Value Work for You \u2013 Save &amp; Enjoy Cash Outs with Mortgage <\/span><\/b><b><span data-contrast=\"auto\">Loan <\/span><\/b><b><span data-contrast=\"auto\">Refinancing<\/span><\/b><\/h3><p><img decoding=\"async\" class=\"alignnone wp-image-7225 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/portrait-muslim-family-holding-paper-house-couch-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1709\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/portrait-muslim-family-holding-paper-house-couch-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/portrait-muslim-family-holding-paper-house-couch-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/portrait-muslim-family-holding-paper-house-couch-1024x684.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/portrait-muslim-family-holding-paper-house-couch-768x513.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/portrait-muslim-family-holding-paper-house-couch-1536x1025.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/portrait-muslim-family-holding-paper-house-couch-2048x1367.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span data-contrast=\"auto\">Mortgage<\/span><span data-contrast=\"auto\"> loan<\/span><span data-contrast=\"auto\"> refinancing allows you to tap into your home\u2019s value by replacing your current loan with a new one, often at a better rate. This can help you lower your monthly payments, save on interest, and even provide extra cash for other needs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Why This Works?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><b><span data-contrast=\"auto\">\u2b50 Lower Monthly Payments: <\/span><\/b><span data-contrast=\"auto\">Secure a better interest rate and reduce your monthly expenses<\/span><span data-contrast=\"auto\"> of up to 70%<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u2b50Access to Cash: <\/span><\/b><span data-contrast=\"auto\">Use your house\u2019s market value for cash outs, whether for investments, renovations, <\/span><span data-contrast=\"auto\">kids&#8217; education <\/span><span data-contrast=\"auto\">or other financial goals.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u2b50 Save on Interest: <\/span><\/b><span data-contrast=\"auto\">A lower rate means you pay less interest over time.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">\u2b50 Shorter Loan <\/span><\/b><b><span data-contrast=\"auto\">Terms: <\/span><\/b><span data-contrast=\"auto\">Adjust your loan terms to fit your current financial needs.<\/span><span data-contrast=\"auto\"> With IBPO, we can help you to shorten your loan repayment period by up to 10 years plus cash rebates of up to RM50,000!\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Mortgage <\/span><span data-contrast=\"auto\">loan <\/span><span data-contrast=\"auto\">refinancing is a great option if you\u2019re looking to strategically<\/span><b><span data-contrast=\"auto\"> lower your commitments, reduce your loan tenure, and even get some cash out.<\/span><\/b><span data-contrast=\"auto\"> It allows you to make the most of your home\u2019s value while enjoying greater financial flexibility and reduced financial pressure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/p><h3><b><span data-contrast=\"auto\">Start planning for financial security in the months ahead!\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134245417&quot;:true,&quot;134245418&quot;:false,&quot;134245529&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0}\">\u00a0<\/span><\/h3><p><span data-contrast=\"auto\">It\u2019s always easier to plan with someone by your side. Let our expert financial consultants help you find the best financial solutions to manage your finances<\/span><span data-contrast=\"auto\">. Contact us today! <\/span><\/p><p><a href=\"https:\/\/api.whatsapp.com\/send\/?phone=60165882928&amp;text=Hi%21+Welcome+to+IBPO+Group+Berhad.+Thank+you+for+reaching+out%21%0APress+%3CSEND%3E+to+begin.%0A%0A%28ref%3A+IBPO+Website%29&amp;type=phone_number&amp;app_absent=0\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-7228 \" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Whatsapp-button-300x80.png\" alt=\"\" width=\"173\" height=\"46\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Whatsapp-button-300x80.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Whatsapp-button-1024x273.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Whatsapp-button-768x205.png 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Whatsapp-button.png 1518w\" sizes=\"(max-width: 173px) 100vw, 173px\" \/><\/a><\/p><p>\u00a0<\/p><p><a href=\"https:\/\/anika.ibpo.com.my\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-7229\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Ask-Anika-Button.png\" alt=\"\" width=\"171\" height=\"65\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Ask-Anika-Button.png 1518w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Ask-Anika-Button-300x114.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Ask-Anika-Button-1024x389.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/03\/Ask-Anika-Button-768x292.png 768w\" sizes=\"(max-width: 171px) 100vw, 171px\" \/><\/a><\/p>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3ada20 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"a3ada20\" 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-top-column elementor-element elementor-element-aa88632\" data-id=\"aa88632\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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>[xts_html_block id=&#8221;3506&#8243;] The festive season, especially Hari Raya, is a time for celebration after a long month of fasting. However, the excitement of shopping, traveling, and buying gifts can often lead to overspending, leaving many of us feeling financially strained as we head into the months that follow. In 2019, 46% of Muslims surveyed in [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":7220,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Recover Your Finances After Hari Raya: How Debt Consolidation &amp; Mortgage Loan Refinancing Can Help!<\/title>\n<meta name=\"description\" content=\"Struggling with post-Hari Raya expenses? Discover how debt consolidation and mortgage loan refinancing can help you regain financial stability!\" \/>\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\/perunding-gadai-janji-2\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Recover Your Finances After Hari Raya: How Debt Consolidation &amp; Mortgage Loan Refinancing Can Help!\" \/>\n<meta property=\"og:description\" content=\"Struggling with post-Hari Raya expenses? 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