{"id":7164,"date":"2026-07-20T03:18:45","date_gmt":"2026-07-19T19:18:45","guid":{"rendered":"https:\/\/mtcbayat.com\/?page_id=7164"},"modified":"2026-10-12T13:16:16","modified_gmt":"2026-10-12T05:16:16","slug":"mtc-home","status":"publish","type":"page","link":"https:\/\/mtcbayat.com\/ms\/","title":{"rendered":"MTC Home"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\">\n\t\t\t\t<p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t\t<sr7-module data-alias=\"main-slider-1\" data-id=\"4\" id=\"SR7_4_1\" class=\"rs-ov-hidden\" data-version=\"6.7.57\">\n\t\t\t\t\t<sr7-adjuster><\/sr7-adjuster>\n\t\t\t\t\t<sr7-content>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_4_1-10\" data-key=\"10\">\n\t\t\t\t\t\t\t<sr7-bg id=\"SR7_4_1-10-11\" class=\"sr7-layer\"><noscript><img decoding=\"async\" src=\"https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/07\/Banner01.jpg\" alt=\"\" title=\"Banner01\"><\/noscript><\/sr7-bg>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_4_1-10-0\" class=\"sr7-layer\">Enjoy a simple application experience with financial solutions designed around your needs.<\/sr7-txt>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_4_1-10-1\" class=\"sr7-layer\">Simpler. Clearer.<br\/>More Straightforward.<\/sr7-txt>\n\t\t\t\t\t\t\t<a id=\"SR7_4_1-10-10\" class=\"sr7-layer\" href=\"https:\/\/mtcbayat.com\/calculator\/\" target=\"_self\">Check Your Eligibility <i class=\"fa-chevron-right\" style=\"font-size: 14px; margin-left: 10px; color: #fff;\"><\/i><\/a>\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_4_1-13\" data-key=\"13\">\n\t\t\t\t\t\t\t<sr7-bg id=\"SR7_4_1-13-11\" class=\"sr7-layer\"><noscript><img decoding=\"async\" src=\"https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/07\/Banner02.jpg\" alt=\"\" title=\"Banner02\"><\/noscript><\/sr7-bg>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_4_1-13-0\" class=\"sr7-layer\">Shariah-compliant debt consolidation designed to help you manage your financial commitments more simply.<\/sr7-txt>\n\t\t\t\t\t\t\t<sr7-txt id=\"SR7_4_1-13-1\" class=\"sr7-layer\">Consolidate Your Commitments.<br\/>Stay More Organised.<\/sr7-txt>\n\t\t\t\t\t\t\t<a id=\"SR7_4_1-13-10\" class=\"sr7-layer\" href=\"https:\/\/mtcbayat.com\/calculator\/\" target=\"_self\">Check Your Eligibility <i class=\"fa-chevron-right\" style=\"font-size: 14px; margin-left: 10px; color: #fff;\"><\/i><\/a>\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_4_1-12\" data-key=\"12\">\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t<\/sr7-content>\n\t\t\t\t\t<image_lists style=\"display:none\">\n\t\t\t\t\t\t<img data-src=\"\/\/mtcbayat.com\/wp-content\/uploads\/2026\/07\/Banner01.jpg\" data-libid=\"7367\" data-lib=\"medialibrary\" title=\"Banner01\" width=\"0\" height=\"0\" data-dbsrc=\"Ly9tdGNiYXlhdC5jb20vd3AtY29udGVudC91cGxvYWRzLzIwMjYvMDcvQmFubmVyMDEuanBn\"\/>\n\t\t\t\t\t\t<img data-src=\"\/\/mtcbayat.com\/wp-content\/uploads\/2026\/07\/Banner02.jpg\" data-libid=\"7366\" data-lib=\"medialibrary\" title=\"Banner02\" width=\"0\" height=\"0\" data-dbsrc=\"Ly9tdGNiYXlhdC5jb20vd3AtY29udGVudC91cGxvYWRzLzIwMjYvMDcvQmFubmVyMDIuanBn\"\/>\n\t\t\t\t\t<\/image_lists>\n\t\t\t\t<\/sr7-module>\n\t\t\t\t<script>\n\t\t\t\t\twindow.SR7 ??={};SR7.PMH ??={}; SR7.PMH[\"SR7_4_1\"] = {cn:100,state:false,fn: function() { if (window._tpt!==undefined && window._tpt.prepareModuleHeight !== undefined) {  _tpt.prepareModuleHeight({id:\"SR7_4_1\",el:[600,600,500,500,600],type:'standard',shdw:'0',gh:[600,600,500,500,600],gw:[1024,1024,1024,778,480],vpt:['-100px&#039;,&#039;-100px&#039;,&#039;-100px&#039;,&#039;-100px&#039;,&#039;-100px'],size:{fullWidth:true, fullHeight:false},mh:'0',onh:0,onw:0,bg:{color:'{\"orig\":\"transparent\",\"type\":\"solid\",\"string\":\"transparent\"}'},plType:'0',plColor:'#FFFFFF'});   SR7.PMH[\"SR7_4_1\"].state=true;} else if(SR7.PMH[\"SR7_4_1\"].cn-->0)\tsetTimeout( SR7.PMH[\"SR7_4_1\"].fn,19);}};SR7.PMH[\"SR7_4_1\" ].fn();\n\t\t\t\t<\/script>\n<\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-temp=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1784489418771 vc_row-has-fill\"><div class=\"wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\">\n\n\n            <div onClick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_custom font-color_secondary_bg\" style=\"width:66px\">\n            <i style=\"font-size: 47px;color: #ffffff;  width: 46px; height: 46px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-money-bank-pp\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px;color:#ffffff\" class=\"no_stripe\">Shariah-Compliant<\/h5>\n                <p><span style=\"color: #fff;\">Financing based on Shariah principles.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\">\n\n\n            <div onClick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_custom font-color_secondary_bg\" style=\"width:66px\">\n            <i style=\"font-size: 47px;color: #ffffff;  width: 46px; height: 46px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-rocket\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px;color:#ffffff\" class=\"no_stripe\">Fast<\/h5>\n                <p><span style=\"color: #fff;\">A process designed for a smoother application experience.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\">\n\n\n            <div onClick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_custom font-color_secondary_bg\" style=\"width:66px\">\n            <i style=\"font-size: 47px;color: #ffffff;  width: 46px; height: 46px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-money-document-pp\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px;color:#ffffff\" class=\"no_stripe\">Simple<\/h5>\n                <p><span style=\"color: #fff;\">An application process with clear and structured steps.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\">\n\n\n            <div onClick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_custom font-color_secondary_bg\" style=\"width:66px\">\n            <i style=\"font-size: 47px;color: #ffffff; 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background-color: #ffffff; width: 70px; height: 70px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-stm14_calc\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px\" class=\"font-color_base no_stripe\">01. Check<\/h5>\n                <p><span style=\"color: #000000;\">Check your eligibility by providing the required information.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_col-lg-6 vc_col-md-6 vc_col-xs-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3b9582\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3b9582',\n            lgSpacing = '42',\n            mdSpacing = '35',\n            smSpacing = '30',\n            xsSpacing = '25';\n\n        function stmSpacing() {\n            if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( window.matchMedia(\"(max-width: 991px) and (min-width: 768px )\").matches && smSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", smSpacing );\n            } else if ( window.matchMedia(\"(max-width: 767px)\").matches && xsSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", xsSpacing );\n            } else {\n                $( '#' + spacingID ).css ( \"height\", \"\" );\n            }\n        }\n\n        $(document).ready(function() {\n            stmSpacing();\n        });\n\n        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n\n\n            <div onClick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_secondary font-color_custom\" style=\"color:#ffffff;width:90px\">\n            <i style=\"font-size: 49px; background-color: #ffffff; width: 70px; height: 70px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-amsterdam-file\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px\" class=\"font-color_base no_stripe\">02. Complete Your Documents<\/h5>\n                <p><span style=\"color: #000000;\">Prepare and submit the required documents for assessment.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_col-lg-6 vc_col-md-6 vc_col-xs-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3ba0e3\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3ba0e3',\n            lgSpacing = '30',\n            mdSpacing = '30',\n            smSpacing = '30',\n            xsSpacing = '25';\n\n        function stmSpacing() {\n            if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( window.matchMedia(\"(max-width: 991px) and (min-width: 768px )\").matches && smSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", smSpacing );\n            } else if ( window.matchMedia(\"(max-width: 767px)\").matches && xsSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", xsSpacing );\n            } else {\n                $( '#' + spacingID ).css ( \"height\", \"\" );\n            }\n        }\n\n        $(document).ready(function() {\n            stmSpacing();\n        });\n\n        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n\n\n            <div onClick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_secondary font-color_custom\" style=\"color:#ffffff;width:90px\">\n            <i style=\"font-size: 65px; background-color: #ffffff; width: 70px; height: 70px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-lnr-check\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px\" class=\"font-color_base no_stripe\">03. Review Your Offer<\/h5>\n                <p><span style=\"color: #000000;\">Once your application has been assessed, review the financing details and terms offered.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_col-lg-6 vc_col-md-6 vc_col-xs-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3baa4a\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3baa4a',\n            lgSpacing = '30',\n            mdSpacing = '30',\n            smSpacing = '30',\n            xsSpacing = '25';\n\n        function stmSpacing() {\n            if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( window.matchMedia(\"(max-width: 991px) and (min-width: 768px )\").matches && smSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", smSpacing );\n            } else if ( window.matchMedia(\"(max-width: 767px)\").matches && xsSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", xsSpacing );\n            } else {\n                $( '#' + spacingID ).css ( \"height\", \"\" );\n            }\n        }\n\n        $(document).ready(function() {\n            stmSpacing();\n        });\n\n        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n\n\n            <div onClick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_secondary font-color_custom\" style=\"color:#ffffff;width:90px\">\n            <i style=\"font-size: 70px; background-color: #ffffff; width: 70px; height: 70px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-ankara-save-money\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px\" class=\"font-color_base no_stripe\">04. Receive Your Financing<\/h5>\n                <p><span style=\"color: #000000;\">Once all required documents and processes are completed, the financing will be disbursed according to the agreed terms.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><\/div><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3bb0fb\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3bb0fb',\n            lgSpacing = '90',\n            mdSpacing = '80',\n            smSpacing = '60',\n            xsSpacing = '50';\n\n        function stmSpacing() {\n            if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( 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class=\"vc_column-inner \"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3bbabc\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3bbabc',\n            lgSpacing = '50',\n            mdSpacing = '0',\n            smSpacing = '10',\n            xsSpacing = '10';\n\n        function stmSpacing() {\n            if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( window.matchMedia(\"(max-width: 991px) and (min-width: 768px )\").matches && smSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", smSpacing );\n            } else if ( window.matchMedia(\"(max-width: 767px)\").matches && xsSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", xsSpacing );\n            } else {\n                $( '#' + spacingID ).css ( \"height\", \"\" );\n            }\n        }\n\n        $(document).ready(function() {\n            stmSpacing();\n        });\n\n        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><div class=\"vc_custom_heading text_align_left title_no_stripe\" ><h2 style=\"font-size: 36px;line-height: 36px;text-align: left\" class=\"consulting-custom-title\">MTC Bayat<\/h2><\/div><div class=\"vc_custom_heading text_align_left title_no_stripe\" ><h2 style=\"font-size: 36px;line-height: 36px;text-align: left\" class=\"consulting-custom-title\">Islamic Financing<\/h2><\/div>\n\t<div class=\"wpb_text_column wpb_content_element vc_custom_1791110750643\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span style=\"line-height: 22px;\">Enjoy convenient and Shariah-compliant financing designed for eligible employees.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1485525262482\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li style=\"line-height: 22px; font-size: 13px;\">Financing tenure of up to <strong>120 months<\/strong><\/li>\n<li style=\"line-height: 22px; font-size: 13px;\">Financing amount of up to <strong>RM150,000<\/strong><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"vc_btn3-container vc_btn3-inline vc_do_btn\" ><a class=\"vc_general vc_btn3 vc_btn3-size-lg vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-theme_style_4\" href=\"https:\/\/mtcbayat.com\/product\/\" title=\"\">Learn More<\/a><\/div><\/div><\/div><\/div><\/div><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3be1e8\"><\/div>\n<script>\n    (function($){\n        \"use 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https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/10\/home02-900x604.jpg 900w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3c09ff\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3c09ff',\n            lgSpacing = '17',\n            mdSpacing = '10',\n            smSpacing = '0',\n            xsSpacing = '0';\n\n        function stmSpacing() {\n            if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( window.matchMedia(\"(max-width: 991px) and (min-width: 768px )\").matches && smSpacing ) {\n                $( '#' + spacingID 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         if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( window.matchMedia(\"(max-width: 991px) and (min-width: 768px )\").matches && smSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", smSpacing );\n            } else if ( window.matchMedia(\"(max-width: 767px)\").matches && xsSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", xsSpacing );\n            } else {\n                $( '#' + spacingID ).css ( \"height\", \"\" );\n            }\n        }\n\n        $(document).ready(function() {\n            stmSpacing();\n        });\n\n        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><div class=\"vc_custom_heading text_align_left title_no_stripe\" ><h2 style=\"font-size: 36px;line-height: 36px;text-align: left\" class=\"consulting-custom-title\">Frequently Asked Questions<\/h2><\/div><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3c13fd\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3c13fd',\n            lgSpacing = '17',\n            mdSpacing = '10',\n            smSpacing = '0',\n            xsSpacing = '0';\n\n        function stmSpacing() {\n            if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( window.matchMedia(\"(max-width: 991px) and (min-width: 768px )\").matches && smSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", smSpacing );\n            } else if ( window.matchMedia(\"(max-width: 767px)\").matches && xsSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", xsSpacing );\n            } else {\n                $( '#' + spacingID ).css ( \"height\", \"\" );\n            }\n        }\n\n        $(document).ready(function() {\n            stmSpacing();\n        });\n\n        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><div class=\"vc_tta-container\" data-vc-action=\"collapse\"><div class=\"vc_general vc_tta vc_tta-accordion vc_tta-color-grey vc_tta-style-classic vc_tta-shape-square vc_tta-o-shape-group vc_tta-controls-align-default\"><div class=\"vc_tta-panels-container\"><div class=\"vc_tta-panels\"><div class=\"vc_tta-panel vc_active\" id=\"1563519734624-263e202a-5bd8\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-right\"><a href=\"#1563519734624-263e202a-5bd8\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">What is Shariah-compliant personal financing?<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Shariah-compliant personal financing is a financing facility structured based on the relevant Shariah principles and terms established by the financing provider.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1563519786152-cce3a2f9-a6a1\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-right\"><a href=\"#1563519786152-cce3a2f9-a6a1\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Who can apply?<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>MTC Bayat financing is offered to government servants who meet the prescribed eligibility requirements.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1563519785196-604005b7-e641\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-right\"><a href=\"#1563519785196-604005b7-e641\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">What documents are required?<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Basic documents may include a MyKad, latest payslip, and other supporting documents depending on the application requirements.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1791481187486-83b219b6-3000\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-right\"><a href=\"#1791481187486-83b219b6-3000\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Can the financing be used for debt consolidation?<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Yes, MTC Bayat provides <strong>debt consolidation<\/strong> facilities for applicants who meet the eligibility requirements, subject to assessment and the applicable financing terms.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><div class=\"vc_tta-panel\" id=\"1791481249570-2cdc02d3-c4e0\" data-vc-content=\".vc_tta-panel-body\"><div class=\"vc_tta-panel-heading\"><h4 class=\"vc_tta-panel-title vc_tta-controls-icon-position-right\"><a href=\"#1791481249570-2cdc02d3-c4e0\" data-vc-accordion data-vc-container=\".vc_tta-container\"><span class=\"vc_tta-title-text\">Are there any additional fees or charges?<\/span><i class=\"vc_tta-controls-icon vc_tta-controls-icon-plus\"><\/i><\/a><\/h4><\/div><div class=\"vc_tta-panel-body\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Any applicable fees, charges or costs will be communicated based on the relevant terms and conditions before you proceed.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3c4f63\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3c4f63',\n            lgSpacing = 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stmSpacing();\n        });\n\n        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3c5641\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3c5641',\n            lgSpacing = '50',\n            mdSpacing = '70',\n            smSpacing = '60',\n            xsSpacing = '50';\n\n        function stmSpacing() {\n            if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( window.matchMedia(\"(max-width: 991px) and (min-width: 768px )\").matches && smSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", smSpacing );\n            } else if ( window.matchMedia(\"(max-width: 767px)\").matches && xsSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", xsSpacing );\n            } else {\n                $( '#' + spacingID ).css ( \"height\", \"\" );\n            }\n        }\n\n        $(document).ready(function() {\n            stmSpacing();\n        });\n\n        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><div class=\"vc_custom_heading text_align_center title_no_stripe\" ><h2 style=\"font-size: 36px;line-height: 36px;text-align: center\" class=\"consulting-custom-title\">What Our Customers Say<\/h2><\/div><div class=\"stm-spacing\" id=\"stm-spacing-6ad917e3c5aec\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad917e3c5aec',\n            lgSpacing = '34',\n            mdSpacing = '25',\n            smSpacing = '20',\n            xsSpacing = '15';\n\n        function stmSpacing() {\n            if ( window.matchMedia(\"(min-width: 1200px)\").matches && lgSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", lgSpacing );\n            } else if ( window.matchMedia(\"(max-width: 1199px) and (min-width: 992px )\").matches && mdSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", mdSpacing );\n            } else if ( window.matchMedia(\"(max-width: 991px) and (min-width: 768px )\").matches && smSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", smSpacing );\n            } else if ( window.matchMedia(\"(max-width: 767px)\").matches && xsSpacing ) {\n                $( '#' + spacingID ).css ( \"height\", xsSpacing );\n            } else {\n                $( '#' + spacingID ).css ( \"height\", \"\" );\n            }\n        }\n\n        $(document).ready(function() {\n            stmSpacing();\n        });\n\n        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>    <div class=\"testimonials_carousel style_2 per_row_3\" id=\"partners_carousel_6ad917e3c95a1\">\n        \n            <div class=\"item\">\n                <div class=\"testimonial\"><p>\u201cSimple and easy process.\u201d<br \/>\nThe application process was straightforward and the team explained everything clearly. I\u2019m happy with the service from MTC Bayat.<\/p>\n<\/div>\n                <div class=\"testimonial-info clearfix\">\n                    <div class=\"testimonial-image\"><img loading=\"lazy\" decoding=\"async\" width=\"50\" height=\"50\" src=\"https:\/\/mtcbayat.com\/wp-content\/uploads\/2018\/12\/man-50x50.png\" class=\"attachment-consulting-image-50x50-croped size-consulting-image-50x50-croped wp-post-image\" alt=\"\" srcset=\"https:\/\/mtcbayat.com\/wp-content\/uploads\/2018\/12\/man-50x50.png 50w, https:\/\/mtcbayat.com\/wp-content\/uploads\/2018\/12\/man-300x300.png 300w, https:\/\/mtcbayat.com\/wp-content\/uploads\/2018\/12\/man-150x150.png 150w, https:\/\/mtcbayat.com\/wp-content\/uploads\/2018\/12\/man-320x320.png 320w, https:\/\/mtcbayat.com\/wp-content\/uploads\/2018\/12\/man.png 512w\" sizes=\"auto, (max-width: 50px) 100vw, 50px\" \/><\/div>\n                    <div class=\"testimonial-text\">\n                        <div class=\"name\">Ahmad Firdaus<\/div>\n                        <div class=\"company\">\n                        Government Sector Employee                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n        \n            <div class=\"item\">\n                <div class=\"testimonial\"><p>\u201cA smooth experience from start to finish.\u201d<br \/>\nThe process was easy to understand and the team was helpful throughout my application. 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