{"id":9331,"date":"2026-04-07T02:07:52","date_gmt":"2026-04-07T02:07:52","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=9331"},"modified":"2026-06-15T08:16:38","modified_gmt":"2026-06-15T08:16:38","slug":"turn-multiple-debts-into-one-how-refinancing-can-help-you-save-on-monthly-payments","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/turn-multiple-debts-into-one-how-refinancing-can-help-you-save-on-monthly-payments\/","title":{"rendered":"Gabungkan Pelbagai Hutang Menjadi Satu: Bagaimana Pembiayaan Semula Boleh Membantu Anda Menjimatkan Bayaran Bulanan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9331\" class=\"elementor elementor-9331\">\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=\"2026-04-07T02:07:52+00:00\">\n\t\t\t\t\t7 April 2026\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2026-06-15T08:16:38+00:00\">\n\t\t\t\t\t15 Jun 2026\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\tTurn Multiple Debts into One: How Refinancing Can Help You Save on Monthly Payments\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/p><p>Entering adulthood can be scary.<\/p><p>As you grow older, your financial commitments grow with you&#8230; Supporting your needs, handling emergencies, taking care of family, and paying for housing. To manage all of this, many of us sometimes resort to taking multiple financing from banks and financial providers:<\/p><ul><li>Credit cards<\/li><li>House loans<\/li><li>Personal loans<\/li><li>Education loans<\/li><li>Hire purchase<\/li><li>Wedding loans<\/li><\/ul><p>Some of these are manageable. But for others, it can snowball into something terrifying, putting your finances and peace of mind at risk.<\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-9333\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPO-Article-Debt-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPO-Article-Debt-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPO-Article-Debt-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPO-Article-Debt-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPO-Article-Debt-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPO-Article-Debt-1536x1024.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPO-Article-Debt-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span data-contrast=\"auto\">Paying off one loan at a time can be long and exhausting, both mentally and financially.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Home Loan Refinancing for Debt Consolidation<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">You\u00a0don\u2019t\u00a0have to juggle multiple debts anymore.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">By refinancing your house, you can combine all your credit cards and loans into one single loan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><img decoding=\"async\" class=\"alignnone size-full wp-image-9334\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/Slide21.jpg\" alt=\"\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/Slide21.jpg 1280w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/Slide21-300x169.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/Slide21-1024x576.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/Slide21-768x432.jpg 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/p><p><span data-contrast=\"auto\">Now, instead of multiple due dates and multiple interest rates, you only focus on one monthly payment &#8211; your NEW House Loan from refinancing.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">What Property Can Be Used?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Most properties are eligible, including:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Houses that have grown in value over at least 5 years<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Fully paid houses<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Any type of property: single or double\u00a0storey\u00a0terrace,\u00a0condo, apartment, flat, townhouse,\u00a0shoplot, etc.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">\u00a0This flexibility means more Malaysians can take control of their finances today.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Special Campaign! <a href=\"https:\/\/kongsirezekikaw.ibpo.com.my\/\">Kongsi Rezeki \u201cKaw\u201d<\/a><\/span><\/b><\/p><p><a href=\"https:\/\/kongsirezekikaw.ibpo.com.my\/\"><img decoding=\"async\" class=\"alignnone size-full wp-image-9256\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRK_kv_articlecover.png\" alt=\"\" width=\"1000\" height=\"522\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRK_kv_articlecover.png 1000w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRK_kv_articlecover-300x157.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRK_kv_articlecover-768x401.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p><p><span data-contrast=\"auto\">We\u2019re making<a href=\"https:\/\/kongsirezekikaw.ibpo.com.my\/\"> refinancing<\/a> even more rewarding:\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">RM200 Touch \u2018n Go reload\u00a0PIN\u00a0giveaway<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">RM50,000 cash rebate<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Shorten your house loan by up to 10 years<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">IBPO is the<a href=\"https:\/\/kongsirezekikaw.ibpo.com.my\/\"> first in Malaysia to offer cash rebates and shortened loan tenures<\/a> for home refinancing; giving you not just financial relief but real rewards.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Take\u00a0Action\u00a0Today<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Don\u2019t\u00a0let multiple debts control your life. Take the first step toward simpler finances, lower stress, and faster debt freedom.\u00a0<\/span><span data-contrast=\"auto\"><a href=\"https:\/\/kongsirezekikaw.ibpo.com.my\/\">Check if you qualify now<\/a> and start your journey to\u00a0<\/span><b><span data-contrast=\"auto\">one loan, one payment, and more peace of mind<\/span><\/b><span data-contrast=\"auto\">.<\/span><\/p><p><a href=\"https:\/\/api.whatsapp.com\/send?phone=60165882928&amp;text=Hi!%20Welcome%20to%20IBPO%20Group%20Berhad.%20Thank%20you%20for%20reaching%20out!%0APress%20%3CSEND%3E%20to%20begin.%0A%0A(ref%3A%20RezekiKawCampaign)\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-9341\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPOGroup26_Apr_Nakcashback_2.jpg-scaled.jpeg\" alt=\"\" width=\"2560\" height=\"484\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPOGroup26_Apr_Nakcashback_2.jpg-scaled.jpeg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPOGroup26_Apr_Nakcashback_2.jpg-300x57.jpeg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPOGroup26_Apr_Nakcashback_2.jpg-1024x194.jpeg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPOGroup26_Apr_Nakcashback_2.jpg-768x145.jpeg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPOGroup26_Apr_Nakcashback_2.jpg-1536x291.jpeg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/04\/IBPOGroup26_Apr_Nakcashback_2.jpg-2048x388.jpeg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/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;] Entering adulthood can be scary. As you grow older, your financial commitments grow with you&#8230; Supporting your needs, handling emergencies, taking care of family, and paying for housing. To manage all of this, many of us sometimes resort to taking multiple financing from banks and financial providers: Credit cards House loans Personal loans [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":9326,"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>Turn Multiple Debts into One: How Refinancing Can Help You Save on Monthly Payments<\/title>\n<meta name=\"description\" content=\"Too many high-interest personal loans, credit cards, and house loans that make you say \u201ctak cukup duit lah bulan ni\u201d? Refinance your home, combine them into one payment, and finally breathe a little easier!\" \/>\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\/turn-multiple-debts-into-one-how-refinancing-can-help-you-save-on-monthly-payments\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Turn Multiple Debts into One: How Refinancing Can Help You Save on Monthly Payments\" \/>\n<meta property=\"og:description\" content=\"Too many high-interest personal loans, credit cards, and house loans that make you say \u201ctak cukup duit lah bulan ni\u201d? 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