Welcome to ePanta$, a Shariah-compliant personal financing application designed for Malaysian civil servants. Our comprehensive digital platform is designed to empower you with a user-friendly experience, allowing you to seamlessly submit financing applications and safeguard your financial information.
You can apply for Shariah-compliant personal financing up to RM300,000 at a fixed profit rate without any collateral. Swift and easy application process as fast as 24 hours.
Why choose ePanta$?
• Apply for financing anytime, anywhere, at your own convenience
• Compare all available offers and choose the one that best fits your needs
• Application submitted through ePanta$ is protected by your security password and One Time
Password (OTP)
• Stay updated with your application status
• Access historical record of all your previous applications
How does ePanta$ work?
• Fill in your application details
• Snap or upload pictures of your supporting documents
• Follow-up on your application by logging in from time to time
Product features:
• Minimum period for repayment: 1 year
• Maximum period for repayment: 10 years
• Minimum profit rate: 6.65% per annum
• Maximum profit rate: 9.99% per annum
• Effective profit rate: Up to a maximum of 15.86% per annum
Calculation:
• Total profit: P x I x N
• Sale price: P + (P x I x N)
• Monthly instalment: ((P x I x N) + P) / n
P = Facility amount
I = Profit rate per annum
N = Tenure in years
n = Tenure in months
Example:
Facility amount – RM10,000
Profit rate per annum – 6.65%
Tenure in years – 10 years
Tenure in months – 120 months
• Total profit: RM10,000 x 6.65% x 10 years = RM6,650
• Sale price: RM10,000 + (RM10,000 x 6.65% x 10 years) = RM16,650
• Monthly instalment: ((RM10,000 x 6.65% x 10 years) + RM10,000) / 120 months = RM138.75
For more information:
Explore further details at http://www.yir.com.my or http://www.yyp.com.my.
Available in Bahasa Malaysia and English, ePanta$ is your gateway to a secure and convenient personal financing experience. Protect your financial future today.