Website Loan Strategist

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  <div class="hero">
    <div class="wrap">
      <p class="eyebrow">Loan Strategist Malaysia</p>
      <h1>Bebaskan Diri Dari Beban Hutang Hari Ini</h1>
      <p>Hutang semakin bertambah? Komitmen bulanan terlalu tinggi? Kami bantu anda cari jalan keluar yang lebih tersusun.</p>
      <a class="btn" href="#borang-semak">SEMAK KELAYAKAN PERCUMA SEKARANG</a>
      <div class="trust">
        <span>Analisis percuma</span>
        <span>Tanpa komitmen</span>
        <span>Maklumat sulit</span>
      </div>
    </div>
  </div>

  <div class="section">
    <div class="wrap grid">
      <div class="card">
        <p class="eyebrow">Adakah anda sedang mengalami situasi ini?</p>
        <h2>Komitmen bulanan terlalu tinggi?</h2>
        <ul class="pain">
          <li>Gaji habis hanya untuk membayar hutang.</li>
          <li>Komitmen bulanan terlalu tinggi sehingga sukar menyimpan wang.</li>
          <li>Mempunyai beberapa pinjaman daripada bank yang berbeza.</li>
          <li>Nama sudah blacklist dan sukar mendapatkan pembiayaan.</li>
          <li>Perlukan wang tunai segera untuk menyelesaikan masalah kewangan.</li>
        </ul>
        <div class="highlight">Anda tidak keseorangan. Ribuan rakyat Malaysia mengalami situasi yang sama.</div>
      </div>

      <div class="card">
        <p class="eyebrow">Kami bantu anda cari jalan keluar</p>
        <h2>Penyelesaian kewangan yang lebih tersusun</h2>
        <ul>
          <li>Penyatuan hutang (Debt Consolidation)</li>
          <li>Mengurangkan komitmen bulanan</li>
          <li>Menyusun semula pinjaman mengikut kelayakan</li>
          <li>Membantu pelanggan yang mempunyai rekod CCRIS/CTOS atau blacklist, tertakluk kepada kelayakan</li>
          <li>Membantu mendapatkan tunai tambahan sekiranya layak</li>
          <li>Semua proses tandatangan letter offer dibuat melalui bank atau institusi kewangan yang berkaitan</li>
        </ul>
      </div>
    </div>
  </div>

  <div class="section">
    <div class="wrap">
      <p class="eyebrow">Kenapa ramai memilih kami?</p>
      <h2>Proses mudah, dibimbing, dan maklumat anda selamat.</h2>
      <div class="cards">
        <div class="card mini">
          <span>Percuma</span>
          <h3>Analisis kewangan percuma</h3>
          <p>Semakan awal dibuat tanpa sebarang komitmen.</p>
        </div>
        <div class="card mini">
          <span>Mudah</span>
          <h3>Dibimbing dari awal</h3>
          <p>Kami bantu anda faham pilihan yang sesuai.</p>
        </div>
        <div class="card mini">
          <span>Selamat</span>
          <h3>Maklumat dijamin sulit</h3>
          <p>Rundingan dibuat berdasarkan situasi sebenar pelanggan.</p>
        </div>
      </div>
    </div>
  </div>

  <div class="section quotation-section">
    <div class="wrap">
      <p class="eyebrow">Contoh quotation client</p>
      <h2>Contoh anggaran yang pernah mohon oleh pelanggan.</h2>
      <p class="quotation-note">Jumlah sebenar adalah tertakluk kepada kelayakan, dokumen, polisi bank, dan semakan kredit pelanggan.</p>

      <div class="quotation-grid">
        <div class="quotation-card">
          <h3><span>✓</span> Layak 01</h3>
          <div class="quotation-lines">
            <div>Loan: <strong>RM50,000.00</strong></div>
            <div>Bulanan: <strong>RM718.00</strong></div>
            <div>Tempoh: <strong>10 Tahun</strong></div>
          </div>
          <div class="quotation-lines">
            <div>Deduction bank total: <strong>RM1,142.00</strong></div>
          </div>
          <ul>
            <li>Takaful insuran</li>
            <li>Wakalah fii</li>
            <li>Setem duti</li>
          </ul>
          <div>Debt Console</div>
          <ul>
            <li>Tiada</li>
          </ul>
          <div>Agency Settlement/Advance</div>
          <ul>
            <li>PL CIMB RM2,148.77</li>
            <li>Coway RM800.00</li>
          </ul>
          <div class="cash-hand">Cash in hand: RM48,858.00</div>
        </div>

        <div class="quotation-card">
          <h3><span>✓</span> Layak 05</h3>
          <div class="quotation-lines">
            <div>Loan: <strong>RM50,000.00</strong></div>
            <div>Bulanan: <strong>RM1,054.00</strong></div>
            <div>Tempoh: <strong>7 Tahun</strong></div>
          </div>
          <div class="quotation-lines">
            <div>Deduction bank total: <strong>RM2,754.00</strong></div>
          </div>
          <ul>
            <li>Takaful insuran</li>
            <li>Wakalah fii</li>
            <li>Setem duti</li>
          </ul>
          <div>Debt Console</div>
          <ul>
            <li>Tiada</li>
          </ul>
          <div>Agency Settlement/Advance total: <strong>RM12,328.40</strong></div>
          <ul>
            <li>AEON CREDIT RM8,050.40</li>
            <li>COWAY RM4,278.00</li>
          </ul>
          <div class="cash-hand">Cash in hand: RM47,246.00</div>
        </div>

        <div class="quotation-card">
          <h3><span>✓</span> Layak 10</h3>
          <div class="quotation-lines">
            <div>Loan: <strong>RM100,000.00</strong></div>
            <div>Bulanan: <strong>RM1,250.00</strong></div>
            <div>Tempoh: <strong>10 Tahun</strong></div>
          </div>
          <div class="quotation-lines">
            <div>Deduction bank total: <strong>RM5,132.93</strong></div>
          </div>
          <ul>
            <li>Takaful Insuran</li>
            <li>Wakalah Fii</li>
            <li>Setem Duti</li>
          </ul>
          <div>Debt Console</div>
          <ul>
            <li>CC CIMB RM7,149</li>
            <li>CC BANK ISLAM RM14,166</li>
            <li>PL AEON RM14,804</li>
          </ul>
          <div class="cash-hand">Cash in hand: RM58,748.07</div>
        </div>

        <div class="quotation-card">
          <h3><span>✓</span> Layak 06</h3>
          <div class="quotation-lines">
            <div>Loan: <strong>RM235,000.00</strong></div>
            <div>Bulanan: <strong>RM3,086.00</strong></div>
            <div>Tempoh: <strong>8 Tahun</strong></div>
          </div>
          <div class="quotation-lines">
            <div>Deduction bank total: <strong>RM8,599.35</strong></div>
          </div>
          <ul>
            <li>Takaful Insuran</li>
            <li>Wakalah Fii</li>
            <li>Setem Duti</li>
          </ul>
          <div>Debt Console</div>
          <ul>
            <li>PL BIS RM144,351</li>
            <li>PL AEON RM34,509</li>
            <li>CC BIS RM15,137</li>
            <li>PL CIMB RM12,892</li>
          </ul>
          <div class="cash-hand">Cash in hand: RM19,511.65</div>
        </div>
      </div>
    </div>
  </div>

  <div class="section feedback-section">
    <div class="wrap">
      <p class="eyebrow">Feedback pelanggan</p>
      <h2>Selepas lulus dan duit masuk ke akaun.</h2>
      <p>Antara maklum balas pelanggan selepas proses selesai dan bayaran berjaya disalurkan ke akaun.</p>

      <div class="feedback-grid">
        <div class="feedback-card">
          <span class="feedback-label">Feedback 01</span>
          <div class="chat-row left">
            <div class="bubble">Duit dh masuk..laju je</div>
          </div>
          <div class="chat-row left">
            <div class="bubble">Tqvm for the guidance n helped me</div>
          </div>
          <div class="chat-row right">
            <div class="bubble">Yes kak koperasi penjawat awam ni memang laju kurang 24 jam dah disbursed. Tq akak pakai service cikman ya.</div>
          </div>
          <div class="chat-row left">
            <div class="bubble">Mantap..!!</div>
          </div>
          <p class="note">Contoh feedback pelanggan selepas duit berjaya masuk ke akaun.</p>
        </div>

        <div class="feedback-card">
          <span class="feedback-label">Feedback 02</span>
          <div class="chat-row right">
            <div class="bubble">Saya follow up banker jap</div>
          </div>
          <div class="chat-row left">
            <div class="bubble">Okey baik</div>
          </div>
          <div class="chat-row right">
            <div class="bubble">Takda apa dh tinggal duit je nk masuk</div>
          </div>
          <div class="chat-row left">
            <div class="bubble">Tu lah esok dah khamis tinggal 2 hari</div>
          </div>
          <div class="chat-row right">
            <div class="bubble">Otw masuk dh tu</div>
          </div>
          <div class="chat-row left">
            <div class="bubble">Okey dah masuk</div>
          </div>
          <div class="chat-row right">
            <div class="bubble">Tahniah</div>
          </div>
          <p class="note">Contoh follow-up selepas kelulusan dan proses kemasukan duit.</p>
        </div>
      </div>
    </div>
  </div>

  <div class="section" id="borang-semak">
    <div class="wrap grid">
      <div>
        <p class="eyebrow">Mohon semakan sekarang</p>
        <h2>Semuanya bermula dengan satu semakan kelayakan.</h2>
        <p>Isi maklumat di bawah dan pegawai kami akan menghubungi anda secepat mungkin.</p>
      </div>

      <form class="card" id="loan-form">
        <p class="eyebrow">Borang Semakan Kelayakan</p>

        <label>Nama Penuh
          <input name="nama" type="text" required>
        </label>

        <label>No. Telefon
          <input name="telefon" type="tel" required>
        </label>

        <label>Gaji Bulanan (RM)
          <input name="gaji" type="number" required>
        </label>

        <label>Berapa Anggaran Pinjaman Diperlukan (RM)
          <input name="anggaran_pinjaman" type="number" required>
        </label>

        <fieldset>
          <legend>Tempoh Berkhidmat di Syarikat Sekarang</legend>
          <div class="options">
            <label class="option"><input type="radio" name="tempoh" value="Kurang 1 Tahun" required> Kurang 1 Tahun</label>
            <label class="option"><input type="radio" name="tempoh" value="1 - 2 Tahun"> 1 - 2 Tahun</label>
            <label class="option"><input type="radio" name="tempoh" value="3 - 5 Tahun"> 3 - 5 Tahun</label>
            <label class="option"><input type="radio" name="tempoh" value="Lebih 5 Tahun"> Lebih 5 Tahun</label>
          </div>
        </fieldset>

        <fieldset>
          <legend>Status Pekerjaan</legend>
          <div class="options">
            <label class="option"><input type="radio" name="status" value="Kerajaan" required> Kerajaan</label>
            <label class="option"><input type="radio" name="status" value="Swasta"> Swasta</label>
            <label class="option"><input type="radio" name="status" value="GLC"> GLC</label>
            <label class="option"><input type="radio" name="status" value="Badan Berkanun"> Badan Berkanun</label>
            <label class="option"><input type="radio" name="status" value="Bekerja Sendiri"> Bekerja Sendiri</label>
          </div>
        </fieldset>

        <button type="submit">SEMAK KELAYAKAN PERCUMA SEKARANG</button>
        <p class="note">Pegawai kami akan menghubungi anda untuk semakan awal tanpa sebarang komitmen.</p>
        <p id="success-msg" class="highlight" style="display:none">Terima kasih. Maklumat anda telah diterima untuk semakan awal.</p>
      </form>
    </div>
  </div>

  <footer>
    <div class="wrap">
      <strong>Penafian</strong>
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