{"id":7201,"date":"2026-07-20T15:37:37","date_gmt":"2026-07-20T07:37:37","guid":{"rendered":"https:\/\/mtcbayat.com\/?page_id=7201"},"modified":"2026-10-12T16:09:42","modified_gmt":"2026-10-12T08:09:42","slug":"product","status":"publish","type":"page","link":"https:\/\/mtcbayat.com\/ms\/product\/","title":{"rendered":"Produk"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><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_1784533226331 vc_row-has-fill\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_custom_heading hide_indents mobile_align_center text_align_left title_no_stripe\" ><h2 style=\"color: #FFFFFF;text-align: left\" class=\"consulting-custom-title\">Penyelesaian Kewangan Yang Direka Untuk Anda<\/h2><\/div><div class=\"stm-spacing\" id=\"stm-spacing-6ad92737f009c\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad92737f009c',\n            lgSpacing = '20',\n            mdSpacing = '20',\n            smSpacing = '30',\n            xsSpacing = '30';\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span style=\"color: #fff;\">Dapatkan penyelesaian kewangan yang <strong>mudah, telus dan patuh Syariah<\/strong>, dengan proses yang lebih lancar dari semakan kelayakan hingga selesai.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"stm-spacing\" id=\"stm-spacing-6ad92737f09fd\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad92737f09fd',\n            lgSpacing = '20',\n            mdSpacing = '20',\n            smSpacing = '30',\n            xsSpacing = '30';\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><div class=\"vc_btn3-container vc_btn3-left vc_do_btn\" ><a class=\"vc_general vc_btn3 vc_btn3-size-lg vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-theme_style_4\" href=\"https:\/\/mtcbayat.com\/ms\/calculator\/\" title=\"\">Semak Kelayakan<\/a><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div data-vc-full-width=\"true\" data-vc-full-width-temp=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid about-bg-right vc_row-o-equal-height vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad92737f1f00\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad92737f1f00',\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><div class=\"vc_custom_heading text_align_left title_no_stripe\" ><h2 style=\"font-size: 36px;line-height: 36px;text-align: left\" class=\"consulting-custom-title\">Siapa Yang Boleh Memohon?<\/h2><\/div>\n\t<div class=\"wpb_text_column wpb_content_element vc_custom_1791485415181\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Pembiayaan MTC Bayat direka khusus untuk <strong>penjawat awam yang memenuhi syarat kelayakan.<\/strong><\/p>\n<p><strong>Kriteria Asas<\/strong><\/p>\n<ul>\n<li style=\"line-height: 22px; font-size: 14px;\">Warganegara Malaysia<\/li>\n<li style=\"line-height: 22px; font-size: 14px;\">Penjawat awam yang memenuhi syarat<\/li>\n<li style=\"line-height: 22px; font-size: 14px;\">Mempunyai pendapatan tetap<\/li>\n<li style=\"line-height: 22px; font-size: 14px;\">Memenuhi syarat umur dan tempoh perkhidmatan<\/li>\n<li style=\"line-height: 22px; font-size: 14px;\">Tertakluk kepada penilaian kelayakan MTC Bayat<\/li>\n<\/ul>\n<p><strong>Dokumen Yang Diperlukan<\/strong><br \/>\nUntuk membantu mempercepatkan proses semakan, pemohon perlu menyediakan dokumen yang diperlukan:<\/p>\n<p><strong style=\"color: #005a82;\">01. Kad Pengenalan<\/strong> Salinan MyKad depan dan belakang.<br \/>\n<strong style=\"color: #005a82;\">02. Slip Gaji<\/strong> Slip gaji terkini mengikut keperluan permohonan.<br \/>\n<strong style=\"color: #005a82;\">03. Dokumen Sokongan<\/strong> Dokumen tambahan mungkin diperlukan bergantung kepada profil dan jenis permohonan.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"stm-spacing\" id=\"stm-spacing-6ad92737f25b7\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad92737f25b7',\n            lgSpacing = '50',\n            mdSpacing = '50',\n            smSpacing = '54',\n            xsSpacing = '54';\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><\/div><\/div><\/div><div class=\"about_full-right_width wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner vc_custom_1784490913886\"><div class=\"wpb_wrapper\">\n<div class=\"stm_pricing_plan_unit style_2\">\n    <div class=\"stm_pricing_plan\">\n        <div class=\"top text-center\" >\n            <div class=\"inner\">\n                                                    <div class=\"title\">Had Pembiayaan RM3,000 \u2013 RM150,000<\/div>\n                                                    <div class=\"price\">\n                        <span class=\"heading_font\">2.99% per annum<\/span>\n                                                                    <\/div>\n                                                    <div class=\"subtitle\">Tempoh Pembiayaan Sehingga 10 tahun<\/div>\n                            <\/div>\n        <\/div>\n                    <div class=\"content\">\n                <p><strong>Kelebihan Utama<\/strong><\/p>\n<ul>\n<li>100% Patuh Syariah<\/li>\n<li>Tanpa Penjamin<\/li>\n<li>Perlindungan Takaful<\/li>\n<\/ul>\n\n                                    <div class=\"stm_pricing_btn\">\n                        <a\n                                class=\"vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-outline vc_btn3-block vc_btn3-icon-left vc_btn3-color-theme_style_1\"\n                                href=\"https:\/\/mtcbayat.com\/ms\/calculator\/\"\n                                title=\"Semak Kelayakan\"\n                                                        >Semak Kelayakan<i class=\"fa fa-chevron-left vc_btn3-icon\"><\/i><\/a>\n                    <\/div>\n                \n            <\/div>\n            <\/div>\n<\/div>\n<div class=\"stm-spacing\" id=\"stm-spacing-6ad92737f321f\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad92737f321f',\n            lgSpacing = '60',\n            mdSpacing = '60',\n            smSpacing = '0',\n            xsSpacing = '72';\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div data-vc-full-width=\"true\" data-vc-full-width-temp=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1784533370676 vc_row-has-fill\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad92737f3a3c\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad92737f3a3c',\n            lgSpacing = '92',\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_row-o-content-middle vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-12 vc_col-lg-12 vc_col-md-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_custom_heading hide_indents mobile_align_center text_align_center title_no_stripe\" ><h2 style=\"text-align: center\" class=\"consulting-custom-title\">Proses Permohonan<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_col-lg-6 vc_col-md-6 vc_col-xs-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad92738006b6\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad92738006b6',\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n\n\n            <div onclick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_secondary font-color_custom\" style=\"color:#ffffff;width:90px\">\n            <i style=\"font-size: 65px; background-color: #ffffff; width: 70px; height: 70px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-stm14_calc\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px\" class=\"font-color_base no_stripe\">01. Semak<\/h5>\n                <p><span style=\"color: #000000;\">Semak kelayakan anda dengan mengisi maklumat yang diperlukan.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_col-lg-6 vc_col-md-6 vc_col-xs-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad9273801621\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad9273801621',\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n\n\n            <div onclick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_secondary font-color_custom\" style=\"color:#ffffff;width:90px\">\n            <i style=\"font-size: 49px; background-color: #ffffff; width: 70px; height: 70px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-amsterdam-file\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px\" class=\"font-color_base no_stripe\">02. Lengkapkan Dokumen<\/h5>\n                <p><span style=\"color: #000000;\">Sediakan dan hantar dokumen yang diperlukan untuk proses semakan.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_col-lg-6 vc_col-md-6 vc_col-xs-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad9273802295\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad9273802295',\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n\n\n            <div onclick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_secondary font-color_custom\" style=\"color:#ffffff;width:90px\">\n            <i style=\"font-size: 65px; background-color: #ffffff; width: 70px; height: 70px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-lnr-check\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px\" class=\"font-color_base no_stripe\">03. Semak Tawaran<\/h5>\n                <p><span style=\"color: #000000;\">Setelah permohonan dinilai, semak maklumat dan terma pembiayaan yang ditawarkan.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_col-lg-6 vc_col-md-6 vc_col-xs-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad9273802bba\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad9273802bba',\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n\n\n            <div onclick=\"return true\" class=\"icon_box  style_1 icon_left clearfix\">\n                <div class=\"icon  font-color_secondary font-color_custom\" style=\"color:#ffffff;width:90px\">\n            <i style=\"font-size: 70px; background-color: #ffffff; width: 70px; height: 70px; display: flex; align-items: center; justify-content: center;\"\n               class=\"stm-ankara-save-money\"><\/i><\/div>\n        <div class=\"icon_text\">\n                    <h5 style=\"font-size:20px;line-height:22px\" class=\"font-color_base no_stripe\">04. Terima Kemudahan<\/h5>\n                <p><span style=\"color: #000000;\">Setelah semua dokumen dan proses berkaitan dilengkapkan, pembiayaan akan disalurkan mengikut terma yang dipersetujui.<\/span><\/p>\n    <\/div>\n            <\/div>\n    \n<\/div><\/div><\/div><\/div><div class=\"stm-spacing\" id=\"stm-spacing-6ad9273803329\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad9273803329',\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 ( 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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid vc_custom_1563519972761 vc_row-has-fill\"><div class=\"bg-left wpb_column vc_column_container vc_col-sm-12 vc_col-lg-6 vc_col-md-6 vc_col-has-fill\"><div class=\"vc_column-inner vc_custom_1569389977515\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad9273803b5e\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad9273803b5e',\n            lgSpacing = '60',\n            mdSpacing = '60',\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center wpb_content_element\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"1006\" src=\"https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/10\/home02.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"home02\" srcset=\"https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/10\/home02.jpg 1500w, https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/10\/home02-300x201.jpg 300w, https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/10\/home02-1024x687.jpg 1024w, https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/10\/home02-768x515.jpg 768w, https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/10\/home02-18x12.jpg 18w, https:\/\/mtcbayat.com\/wp-content\/uploads\/2026\/10\/home02-900x604.jpg 900w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<div class=\"stm-spacing\" id=\"stm-spacing-6ad92738053c5\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad92738053c5',\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-12 vc_col-lg-6 vc_col-md-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"stm-spacing\" id=\"stm-spacing-6ad9273805947\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad9273805947',\n            lgSpacing = '60',\n            mdSpacing = '60',\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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script><div class=\"vc_custom_heading text_align_left title_no_stripe\" ><h2 style=\"font-size: 36px;line-height: 36px;text-align: left\" class=\"consulting-custom-title\">Soalan Lazim<\/h2><\/div><div class=\"stm-spacing\" id=\"stm-spacing-6ad9273805f4e\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad9273805f4e',\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\">Apakah pembiayaan peribadi patuh Syariah?<\/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>Pembiayaan peribadi patuh Syariah ialah kemudahan pembiayaan yang distrukturkan berdasarkan prinsip Syariah yang berkaitan dan terma yang ditetapkan oleh penyedia pembiayaan.<\/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\">Siapakah yang boleh memohon?<\/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>Pembiayaan MTC Bayat ditawarkan kepada penjawat awam yang memenuhi syarat kelayakan yang ditetapkan.<\/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\">Apakah dokumen yang diperlukan?<\/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>Dokumen asas mungkin termasuk MyKad, slip gaji terkini dan dokumen sokongan lain bergantung kepada keperluan permohonan.<\/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\">Bolehkah pembiayaan digunakan untuk penyatuan hutang?<\/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>Ya, MTC Bayat menyediakan kemudahan <strong>penyatuan hutang<\/strong> untuk pemohon yang memenuhi syarat dan tertakluk kepada penilaian serta terma pembiayaan.<\/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\">Adakah terdapat caj tambahan?<\/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>Sebarang bayaran, caj atau kos berkaitan akan dimaklumkan berdasarkan terma dan syarat yang berkenaan sebelum persetujuan dibuat.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"stm-spacing\" id=\"stm-spacing-6ad92738095d4\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad92738095d4',\n            lgSpacing = '50',\n            mdSpacing = '50',\n            smSpacing = '80',\n            xsSpacing = '80';\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 ( 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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        $(window).resize(function() {\n            stmSpacing();\n        });\n\n    })(jQuery);\n<\/script>\n<section class=\"vc_cta3-container\" >\n    <div class=\"vc_general vc_cta3 vc_cta3-style-flat vc_cta3-shape-square vc_cta3-align-left vc_cta3-color-classic vc_cta3-icon-size-md vc_cta3-actions-right vc_custom_1791482541865 style=\"\"\">\n                        <div class=\"vc_cta3_content-container\">\n                                    <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <div class=\"vc_custom_heading text_align_left\" ><h2 style=\"font-size: 28px;color: #ffffff;line-height: 34px;text-align: left\" class=\"consulting-custom-title\">Bersedia Untuk Semak Kelayakan Anda?<\/h2><\/div>                                    <\/header>\n                <h3><span style=\"color: #ffffff;\"><strong>Tidak perlu membuat keputusan sekarang.\nSemak dahulu, fahami pilihan anda, kemudian<br \/>\n<span class=\"line-bg secondary\"> buat keputusan dengan lebih yakin.<\/span><\/strong><\/span><\/h3>\n            <\/div>\n                        <div class=\"vc_cta3-actions\"><div class=\"vc_btn3-container vc_btn3-inline vc_do_btn\" ><a class=\"vc_general vc_btn3 vc_btn3-size-lg vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-theme_style_4\" href=\"https:\/\/mtcbayat.com\/ms\/calculator\/\" title=\"\">Semak Kelayakan<\/a><\/div><\/div>        <\/div>\n                    <\/div>\n<\/section><div class=\"stm-spacing\" id=\"stm-spacing-6ad927380b70a\"><\/div>\n<script>\n    (function($){\n        \"use strict\";\n        var spacingID = 'stm-spacing-6ad927380b70a',\n            lgSpacing = '17',\n            mdSpacing = '10',\n            smSpacing = '5',\n            xsSpacing = '5';\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><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Financial Solutions Designed For You Access financial solutions that are simple, transparent and Shariah-compliant, with a smoother experience from eligibility assessment to completion. Check Your Eligibility Who Can Apply? MTC Bayat financing is designed specifically for government servants who meet the eligibility requirements. Basic Criteria Malaysian citizen Government servant who meets the requirements Have a","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-7201","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Access financial solutions that are simple, transparent and Shariah-compliant, with a smoother experience from eligibility assessment to completion.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/mtcbayat.com\/ms\/product\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.3\" \/>\n\t\t<meta property=\"og:locale\" content=\"ms_MY\" \/>\n\t\t<meta property=\"og:site_name\" content=\"MTC Bayat -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Product - 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