{"id":9257,"date":"2026-03-06T04:35:56","date_gmt":"2026-03-06T04:35:56","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=9257"},"modified":"2026-06-15T08:16:38","modified_gmt":"2026-06-15T08:16:38","slug":"%e4%bd%a0%e6%98%af%e6%94%af%e6%8c%81%e5%a4%9a%e5%a4%9a%e5%ad%98%e6%ac%be%e8%bf%98%e6%98%af%e6%88%bf%e8%b4%b7%e8%bf%98%e6%b8%85%ef%bc%9f%e4%b8%80%e8%b5%b7%e6%9d%a5","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/chi\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/","title":{"rendered":"\u4f60\u652f\u6301\u2018\u591a\u5b58\u94b1\u2019\u8fd8\u662f\u201c\u623f\u8d37\u7ed3\u6e05\u201d\uff1f\u5feb\u6765\u770b\u770b\uff01"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9257\" class=\"elementor elementor-9257\">\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\/chi\/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=\"2026-03-06T04:35:56+00:00\">\n\t\t\t\t\t6 3\u6708 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 6\u6708 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\tAre You Team More Duit or Team House Loan \u2018Setel\u2019? Find Out!\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/p><p><span data-contrast=\"auto\">As Raya approaches, most of us are busy preparing.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">Baju\u00a0raya<\/span><\/i><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">Kuih\u00a0raya<\/span><\/i><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">Balik\u00a0kampung<\/span><\/i><span data-contrast=\"auto\">\u00a0plans.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">Duit\u00a0raya\u00a0<\/span><\/i><span data-contrast=\"auto\">for the kids.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">But while you are preparing for the celebration, have you prepared your finances too?<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">So, the question is&#8230; Do you\u00a0prioritise\u00a0more cash now or do you spend less and focus on settling your\u00a0debts,\u00a0i.e.\u00a0house loans?\u00a0Let\u2019s\u00a0find out!\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p>\u00a0<\/p><h3><b><span data-contrast=\"auto\">\ud83c\udf19 #TeamMoreDuit<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-9262\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/portrait-friends-standing-against-railing-1-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1709\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/portrait-friends-standing-against-railing-1-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/portrait-friends-standing-against-railing-1-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/portrait-friends-standing-against-railing-1-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/portrait-friends-standing-against-railing-1-768x513.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/portrait-friends-standing-against-railing-1-1536x1025.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/portrait-friends-standing-against-railing-1-2048x1367.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span data-contrast=\"auto\">You might be #TeamMoreDuit if:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u2728You want extra cash to celebrate bigger this Raya<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\ud83d\udcb5\u00a0You want to spoil your loved ones with\u00a0d<\/span><i><span data-contrast=\"auto\">uit\u00a0raya<\/span><\/i><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\ud83c\udfe1 You need home renovations for better living conditions<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\ud83d\udcc8 You want instant cashflow for business opportunities<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\ud83d\udcb3 Short term financial flexibility is important to you<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">For you, having money at hand means more flexible options. It means saying yes to opportunities without stress.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p>\u00a0<\/p><h3><b><span data-contrast=\"auto\">\ud83c\udfe0 #TeamHouseLoanSetel<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3><p><img decoding=\"async\" class=\"alignnone size-full wp-image-9261\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/happy-asian-muslim-family-doing-heart-symbol-pose-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/happy-asian-muslim-family-doing-heart-symbol-pose-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/happy-asian-muslim-family-doing-heart-symbol-pose-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/happy-asian-muslim-family-doing-heart-symbol-pose-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/happy-asian-muslim-family-doing-heart-symbol-pose-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/happy-asian-muslim-family-doing-heart-symbol-pose-1536x1024.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/happy-asian-muslim-family-doing-heart-symbol-pose-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span data-contrast=\"auto\">You might be #TeamHouseLoanSetel if:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67 You want to secure a home for your family\u2019s future<\/span>\u00a0<br \/><span data-contrast=\"auto\">\ud83d\udcb0 You\u00a0prefer to channel extra money into paying off your loan faster<\/span>\u00a0<br \/><span data-contrast=\"auto\">\ud83d\ude1f You\u00a0worry about monthly house commitments<\/span>\u00a0<br \/><span data-contrast=\"auto\">\ud83c\udfaf\u00a0Your\u00a0goal is to own your house before retirement<\/span>\u00a0<br \/><span data-contrast=\"auto\">\ud83d\udcca\u00a0Long term\u00a0stability is your priority<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><span data-contrast=\"auto\">For you, peace of mind matters more than short term celebration. Owning your home sooner feels like real financial freedom.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p>\u00a0<\/p><h3><b><span data-contrast=\"auto\">Still not sure? Take the quiz!\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3><p><a href=\"https:\/\/kongsirezekikaw.ibpo.com.my\/\"><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\"> <img decoding=\"async\" class=\"alignnone size-full wp-image-9263\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRC26_MainKV_FA_article_discoverpath.jpg\" alt=\"\" width=\"1080\" height=\"998\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRC26_MainKV_FA_article_discoverpath.jpg 1080w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRC26_MainKV_FA_article_discoverpath-300x277.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRC26_MainKV_FA_article_discoverpath-1024x946.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRC26_MainKV_FA_article_discoverpath-768x710.jpg 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/span><\/a><\/p><p><span data-contrast=\"auto\">But must you REALLY\u00a0choose More\u00a0Duit\u00a0or \u2018Setel\u2019 House Loan?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">With IBPO, you\u00a0don&#8217;t\u00a0have to&#8230;\u00a0\u00a0With the right strategy, you can\u00a0enjoy\u00a0both!\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p>\u00a0<\/p><h3><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><b><span data-contrast=\"auto\">Kongsi\u00a0Rezeki\u00a0\u201cKaw\u201d Home Refinancing Campaign<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3><p><a href=\"https:\/\/kongsirezekikaw.ibpo.com.my\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-9227 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRC26_MainKV_FA_article_cover-2-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1640\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRC26_MainKV_FA_article_cover-2-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRC26_MainKV_FA_article_cover-2-300x192.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRC26_MainKV_FA_article_cover-2-1024x656.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRC26_MainKV_FA_article_cover-2-768x492.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRC26_MainKV_FA_article_cover-2-1536x984.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/02\/KRC26_MainKV_FA_article_cover-2-2048x1312.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/a><\/p><p><span data-contrast=\"auto\">Our Kongsi\u00a0Rezeki\u00a0\u201cKaw\u201d Home Refinancing Campaign is designed to help you share your\u00a0rezeki\u00a0with your loved ones and yourself.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Because when your home works harder for you, everyone benefits!<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Here is how our<strong>\u00a0award-winning\u00a0Refinancing\u00a0program<\/strong>\u00a0benefits\u00a0you:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\ud83d\udcb0 Up to RM50,000 cash rebate<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\ud83d\udcc9 Reduce your commitments by up to 70 percent<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u23f3 Shorten your house loan by up to 10 years<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\ud83d\udcb5 Cash in hand ready to use for any needs<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><h3><b><span data-contrast=\"auto\">Structure your refinancing based on your goals!\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3><p><span data-contrast=\"auto\">More\u00a0<\/span><i><span data-contrast=\"auto\">duit\u00a0<\/span><\/i><span data-contrast=\"auto\">for Raya.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Faster house loan settlement.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Or a smart balance of both.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">This festive season\u00a0don\u2019t\u00a0just prepare your home.\u00a0Prepare your financial future too.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">How do you refinance your home?\u00a0With our home refinancing\u00a0campaign here:\u00a0<\/span><a href=\"https:\/\/kongsirezekikaw.ibpo.com.my\/\"><span data-contrast=\"none\">https:\/\/kongsirezekikaw.ibpo.com.my\/<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/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;] Every month, without fail you keep up with your house monthly instalments. When something gets old and damaged, you fix it and probably renovate it. Slowly but surely, your home is growing its value, becoming an asset that can actually work for you. Most people think once it\u2019s paid, that\u2019s it. But the [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":9258,"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>Are You Team More Duit or Team House Loan \u2018Setel\u2019? Find Out!<\/title>\n<meta name=\"description\" content=\"Raya expenses are coming. Your house loan is still there every month. If you are feeling the pressure this Raya, you are not alone! Before you decide, read this.\" \/>\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\/chi\/\u4f60\u662f\u652f\u6301\u591a\u591a\u5b58\u6b3e\u8fd8\u662f\u623f\u8d37\u8fd8\u6e05\uff1f\u4e00\u8d77\u6765\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are You Team More Duit or Team House Loan \u2018Setel\u2019? Find Out!\" \/>\n<meta property=\"og:description\" content=\"Raya expenses are coming. Your house loan is still there every month. If you are feeling the pressure this Raya, you are not alone! Before you decide, read this.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ibpo.com.my\/chi\/\u4f60\u662f\u652f\u6301\u591a\u591a\u5b58\u6b3e\u8fd8\u662f\u623f\u8d37\u8fd8\u6e05\uff1f\u4e00\u8d77\u6765\/\" \/>\n<meta property=\"og:site_name\" content=\"IBPO\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-06T04:35:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-15T08:16:38+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRKarticlecover3_opt2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"graceAdmin@0\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"graceAdmin@0\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4\u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/\",\"url\":\"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/\",\"name\":\"Are You Team More Duit or Team House Loan \u2018Setel\u2019? Find Out!\",\"isPartOf\":{\"@id\":\"https:\/\/www.ibpo.com.my\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRKarticlecover3_opt2.jpg\",\"datePublished\":\"2026-03-06T04:35:56+00:00\",\"dateModified\":\"2026-06-15T08:16:38+00:00\",\"author\":{\"@id\":\"https:\/\/www.ibpo.com.my\/#\/schema\/person\/70808909ea638da9182a5d2edd6f15a0\"},\"description\":\"Raya expenses are coming. Your house loan is still there every month. If you are feeling the pressure this Raya, you are not alone! Before you decide, read this.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#breadcrumb\"},\"inLanguage\":\"zh-CN\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-CN\",\"@id\":\"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#primaryimage\",\"url\":\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRKarticlecover3_opt2.jpg\",\"contentUrl\":\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRKarticlecover3_opt2.jpg\",\"width\":1024,\"height\":576},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.ibpo.com.my\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Are You Team More Duit or Team House Loan \u2018Setel\u2019? Find Out!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.ibpo.com.my\/#website\",\"url\":\"https:\/\/www.ibpo.com.my\/\",\"name\":\"IBPO\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.ibpo.com.my\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"zh-CN\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.ibpo.com.my\/#\/schema\/person\/70808909ea638da9182a5d2edd6f15a0\",\"name\":\"graceAdmin@0\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-CN\",\"@id\":\"https:\/\/www.ibpo.com.my\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f4fc621c6b2af745d3ea5751a2eab056?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f4fc621c6b2af745d3ea5751a2eab056?s=96&d=mm&r=g\",\"caption\":\"graceAdmin@0\"},\"url\":\"https:\/\/www.ibpo.com.my\/chi\/author\/graceadmin0\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u4f60\u652f\u6301\u2018\u591a\u5b58\u94b1\u2019\u8fd8\u662f\u201c\u623f\u8d37\u7ed3\u6e05\u201d\uff1f\u5feb\u6765\u770b\u770b\uff01","description":"\u5f00\u658b\u8282\u7684\u5f00\u9500\u5373\u5c06\u6765\u4e34\u3002\u4f60\u7684\u623f\u5c4b\u8d37\u6b3e\u6bcf\u4e2a\u6708\u4e5f\u4f9d\u7136\u5b58\u5728\u3002\u5982\u679c\u8fd9\u4e2a\u5f00\u658b\u8282\u8ba9\u4f60\u611f\u5230\u538b\u529b\uff0c\u4f60\u4e0d\u662f\u4e00\u4e2a\u4eba\uff01\u5728\u505a\u4efb\u4f55\u51b3\u5b9a\u4e4b\u524d\uff0c\u8bf7\u9605\u8bfb\u6b64\u6587\u3002.","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\/chi\/\u4f60\u662f\u652f\u6301\u591a\u591a\u5b58\u6b3e\u8fd8\u662f\u623f\u8d37\u8fd8\u6e05\uff1f\u4e00\u8d77\u6765\/","og_locale":"zh_CN","og_type":"article","og_title":"Are You Team More Duit or Team House Loan \u2018Setel\u2019? Find Out!","og_description":"Raya expenses are coming. Your house loan is still there every month. If you are feeling the pressure this Raya, you are not alone! Before you decide, read this.","og_url":"https:\/\/www.ibpo.com.my\/chi\/\u4f60\u662f\u652f\u6301\u591a\u591a\u5b58\u6b3e\u8fd8\u662f\u623f\u8d37\u8fd8\u6e05\uff1f\u4e00\u8d77\u6765\/","og_site_name":"IBPO","article_published_time":"2026-03-06T04:35:56+00:00","article_modified_time":"2026-06-15T08:16:38+00:00","og_image":[{"width":1024,"height":576,"url":"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRKarticlecover3_opt2.jpg","type":"image\/jpeg"}],"author":"graceAdmin@0","twitter_card":"summary_large_image","twitter_misc":{"Written by":"graceAdmin@0","Est. reading time":"4\u5206"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/","url":"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/","name":"\u4f60\u652f\u6301\u2018\u591a\u5b58\u94b1\u2019\u8fd8\u662f\u201c\u623f\u8d37\u7ed3\u6e05\u201d\uff1f\u5feb\u6765\u770b\u770b\uff01","isPartOf":{"@id":"https:\/\/www.ibpo.com.my\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#primaryimage"},"image":{"@id":"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#primaryimage"},"thumbnailUrl":"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRKarticlecover3_opt2.jpg","datePublished":"2026-03-06T04:35:56+00:00","dateModified":"2026-06-15T08:16:38+00:00","author":{"@id":"https:\/\/www.ibpo.com.my\/#\/schema\/person\/70808909ea638da9182a5d2edd6f15a0"},"description":"\u5f00\u658b\u8282\u7684\u5f00\u9500\u5373\u5c06\u6765\u4e34\u3002\u4f60\u7684\u623f\u5c4b\u8d37\u6b3e\u6bcf\u4e2a\u6708\u4e5f\u4f9d\u7136\u5b58\u5728\u3002\u5982\u679c\u8fd9\u4e2a\u5f00\u658b\u8282\u8ba9\u4f60\u611f\u5230\u538b\u529b\uff0c\u4f60\u4e0d\u662f\u4e00\u4e2a\u4eba\uff01\u5728\u505a\u4efb\u4f55\u51b3\u5b9a\u4e4b\u524d\uff0c\u8bf7\u9605\u8bfb\u6b64\u6587\u3002.","breadcrumb":{"@id":"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#breadcrumb"},"inLanguage":"zh-CN","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/"]}]},{"@type":"ImageObject","inLanguage":"zh-CN","@id":"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#primaryimage","url":"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRKarticlecover3_opt2.jpg","contentUrl":"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/03\/KRKarticlecover3_opt2.jpg","width":1024,"height":576},{"@type":"BreadcrumbList","@id":"https:\/\/www.ibpo.com.my\/are-you-team-more-duit-or-team-house-loan-setel-find-out\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.ibpo.com.my\/"},{"@type":"ListItem","position":2,"name":"Are You Team More Duit or Team House Loan \u2018Setel\u2019? Find Out!"}]},{"@type":"WebSite","@id":"https:\/\/www.ibpo.com.my\/#website","url":"https:\/\/www.ibpo.com.my\/","name":"\u5927\u9646\u94f6\u884c","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.ibpo.com.my\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"zh-CN"},{"@type":"Person","@id":"https:\/\/www.ibpo.com.my\/#\/schema\/person\/70808909ea638da9182a5d2edd6f15a0","name":"graceAdmin@0","image":{"@type":"ImageObject","inLanguage":"zh-CN","@id":"https:\/\/www.ibpo.com.my\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f4fc621c6b2af745d3ea5751a2eab056?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f4fc621c6b2af745d3ea5751a2eab056?s=96&d=mm&r=g","caption":"graceAdmin@0"},"url":"https:\/\/www.ibpo.com.my\/chi\/author\/graceadmin0\/"}]}},"_links":{"self":[{"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/posts\/9257"}],"collection":[{"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/comments?post=9257"}],"version-history":[{"count":11,"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/posts\/9257\/revisions"}],"predecessor-version":[{"id":9330,"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/posts\/9257\/revisions\/9330"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/media\/9258"}],"wp:attachment":[{"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/media?parent=9257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/categories?post=9257"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ibpo.com.my\/chi\/wp-json\/wp\/v2\/tags?post=9257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}