{"id":70655,"date":"2026-07-11T10:19:43","date_gmt":"2026-07-11T02:19:43","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=70655"},"modified":"2026-07-11T10:19:43","modified_gmt":"2026-07-11T02:19:43","slug":"effective-rate-vs-flat-rate-personal-loan","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan","title":{"rendered":"Effective Rate vs Flat Rate: Why Two Loans With the Same Rate Can Have Different Costs"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Two personal loans, both quoting a 6% p.a. flat rate. On paper, they look identical. In practice, one could cost you noticeably more over the loan tenure, because the flat rate tells you almost nothing about how interest is actually charged.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Whats-the-Real-Difference-Between-Flat-Rate-and-Effective-Rate\"><\/span><b>What&#8217;s the Real Difference Between Flat Rate and Effective Rate?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A flat rate calculates interest on your original loan amount for the entire tenure, even as you pay down the principal every month. An effective interest rate (EIR), by contrast, is charged only on your outstanding balance, the amount you actually still owe. Because your balance shrinks over time, the EIR reflects the true cost of borrowing, while the flat rate consistently understates it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a rough guide, a flat rate of around 6% p.a. is roughly equivalent to an EIR in the 11-12% p.a. range, nearly double the headline number. This gap is exactly why two loans quoting the same flat rate can carry very different real costs once fees, tenure, and repayment structure are factored in.<\/span><\/p>\n<p><a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/938039\/pd-pf-sep25.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Bank Negara Malaysia (BNM)<\/span><\/a><span style=\"font-weight: 400;\"> already requires lenders to disclose the effective interest or profit rate, total repayment amounts, and calculation method upfront, including in advertisements and promotional materials. Under BNM&#8217;s Personal Financing Policy Document, the central bank has moved to prohibit flat rate and Rule of 78 interest calculations for personal financing products altogether, with this change taking effect from 1 January 2027. Until then, flat-rate quotes remain common, which makes it your job to convert them before comparing.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why-Two-Loans-With-the-Same-Flat-Rate-Can-Cost-Differently\"><\/span><b>Why Two Loans With the Same Flat Rate Can Cost Differently<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The flat rate is only half the picture. Two loans quoting an identical flat rate can still differ in true cost because of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tenure length. <\/b><span style=\"font-weight: 400;\">A longer tenure at the same flat rate pushes more interest into the calculation, even though the monthly instalment looks smaller.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Processing and handling fees. <\/b><span style=\"font-weight: 400;\">These aren&#8217;t reflected in the flat rate at all, but they inflate your true cost of borrowing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Early settlement terms. <\/b><span style=\"font-weight: 400;\">A loan with a steep early settlement penalty costs more if you plan to pay it off ahead of schedule, regardless of the quoted rate.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This is why comparing flat rates side-by-side can quietly mislead you into picking the more expensive option.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-Do-You-Read-the-Effective-Rate-Before-You-Sign\"><\/span><b>How Do You Read the Effective Rate Before You Sign?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You don&#8217;t need to be a finance graduate to do this. Ask your lender (or check the product disclosure sheet) for the EIR, banks are required to provide it. If only the flat rate is shown, use the approximation: <\/span><b>flat rate \u00d7 ~1.88 \u2248 effective rate<\/b><span style=\"font-weight: 400;\">, then compare that number, not the advertised one, across offers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"block\"><div><\/div><\/div>For a clearer picture, run your actual numbers through iMoney&#8217;s personal loan calculator, which shows both the flat rate and the effective rate side by side using a reducing balance schedule.<\/span><\/p>\n<p><b>\u00a0<\/b><a href=\"https:\/\/www.imoney.my\/calculator\/personal-loan?src=menu_dropdown\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><b>iMoney Personal Loan Calculator<\/b><\/a><span style=\"font-weight: 400;\">.[\/block<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"When-Does-Refinancing-or-Consolidating-Actually-Make-Sense\"><\/span><b>When Does Refinancing or Consolidating Actually Make Sense?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Once you can read the effective rate, refinancing or consolidating stops being a guessing game and becomes a straightforward yes\/no decision. If your current loan&#8217;s EIR is meaningfully higher than what you&#8217;d get by refinancing, a gap of 2 percentage points or more is generally worth pursuing, the math favours switching. If the gap is under 1 percentage point, the fees and paperwork involved in refinancing may cancel out the savings, and it&#8217;s usually better to sit tight.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is also where your credit standing matters. A stronger CCRIS and CTOS record typically qualifies you for a lower EIR when you refinance, so it&#8217;s worth checking your report before applying, errors are more common than most people expect, and can be disputed if found.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-Is-Your-Move\"><\/span><b>What Is Your Move?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pull the EIR, not just the flat rate, <\/b><span style=\"font-weight: 400;\">from your current loan&#8217;s offer letter or product disclosure sheet.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check your eligibility first <\/b><span style=\"font-weight: 400;\">using <\/span><a href=\"https:\/\/www.imoney.my\/imoney-pre-screening\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">iMoney&#8217;s Pre-Screening tool<\/span><\/a><span style=\"font-weight: 400;\">, it gives you an indicative match without a hard credit check.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Run the numbers <\/b><span style=\"font-weight: 400;\">on the <\/span><a href=\"https:\/\/www.imoney.my\/calculator\/personal-loan?src=menu_dropdown\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">iMoney Personal Loan Calculator<\/span><\/a><span style=\"font-weight: 400;\"> to see your true cost across different tenures.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compare the effective rate, not flat rate, <\/b><span style=\"font-weight: 400;\">starting with <\/span><a href=\"https:\/\/www.imoney.my\/personal-loan?src=menu_dropdown\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">Personal Loan-i option<\/span><\/a><span style=\"font-weight: 400;\"> to see where refinancing genuinely pays off.<\/span><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>A flat rate is not the real cost of borrowing. Once you know how to convert it to an effective rate, comparing personal loans, and deciding whether to refinance becomes a lot clearer.<\/p>\n","protected":false},"author":1,"featured_media":70657,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9],"tags":[3401,3402,2619,2758,1039,3403,667],"class_list":["post-70655","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan","tag-effective-rate","tag-flat-rate","tag-interest","tag-interest-rate","tag-loan","tag-loan-calculator","tag-personal-loan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Effective Rate vs Flat Rate: Compare Loans the Right Way<\/title>\n<meta name=\"description\" content=\"Two personal loans can quote the same flat rate and still have very different true costs. Here&#039;s how to read the effective rate before you sign.\" \/>\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.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Effective Rate vs Flat Rate: Compare Loans the Right Way\" \/>\n<meta property=\"og:description\" content=\"Two personal loans can quote the same flat rate and still have very different true costs. Here&#039;s how to read the effective rate before you sign.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-11T02:19:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/07\/11101450\/closeup-accountant-using-calculator-writing.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan\"},\"author\":{\"name\":\"iMoney Editorial\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\"},\"headline\":\"Effective Rate vs Flat Rate: Why Two Loans With the Same Rate Can Have Different Costs\",\"datePublished\":\"2026-07-11T02:19:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan\"},\"wordCount\":693,\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/11101450\\\/closeup-accountant-using-calculator-writing.jpg\",\"keywords\":[\"effective rate\",\"flat rate\",\"interest\",\"interest rate\",\"Loan\",\"loan calculator\",\"personal loan\"],\"articleSection\":[\"Personal Loan\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan\",\"name\":\"Effective Rate vs Flat Rate: Compare Loans the Right Way\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/11101450\\\/closeup-accountant-using-calculator-writing.jpg\",\"datePublished\":\"2026-07-11T02:19:43+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Two personal loans can quote the same flat rate and still have very different true costs. Here's how to read the effective rate before you sign.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan#primaryimage\",\"url\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/11101450\\\/closeup-accountant-using-calculator-writing.jpg\",\"contentUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/11101450\\\/closeup-accountant-using-calculator-writing.jpg\",\"width\":1200,\"height\":628,\"caption\":\"Image Source: By katemangostar at magnific.com\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/effective-rate-vs-flat-rate-personal-loan#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Personal Loan\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/category\\\/personal-loan\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Effective Rate vs Flat Rate: Why Two Loans With the Same Rate Can Have Different Costs\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\",\"name\":\"iMoney Editorial\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"caption\":\"iMoney Editorial\"},\"description\":\"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.\",\"sameAs\":[\"http:\\\/\\\/www.imoney.my\"],\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/author\\\/chinglee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Effective Rate vs Flat Rate: Compare Loans the Right Way","description":"Two personal loans can quote the same flat rate and still have very different true costs. Here's how to read the effective rate before you sign.","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.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan","og_locale":"en_US","og_type":"article","og_title":"Effective Rate vs Flat Rate: Compare Loans the Right Way","og_description":"Two personal loans can quote the same flat rate and still have very different true costs. Here's how to read the effective rate before you sign.","og_url":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan","og_site_name":"iMoney Malaysia","article_published_time":"2026-07-11T02:19:43+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/07\/11101450\/closeup-accountant-using-calculator-writing.jpg","type":"image\/jpeg"}],"author":"iMoney Editorial","twitter_card":"summary_large_image","twitter_misc":{"Written by":"iMoney Editorial","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan#article","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan"},"author":{"name":"iMoney Editorial","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"headline":"Effective Rate vs Flat Rate: Why Two Loans With the Same Rate Can Have Different Costs","datePublished":"2026-07-11T02:19:43+00:00","mainEntityOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan"},"wordCount":693,"image":{"@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/07\/11101450\/closeup-accountant-using-calculator-writing.jpg","keywords":["effective rate","flat rate","interest","interest rate","Loan","loan calculator","personal loan"],"articleSection":["Personal Loan"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan","url":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan","name":"Effective Rate vs Flat Rate: Compare Loans the Right Way","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/07\/11101450\/closeup-accountant-using-calculator-writing.jpg","datePublished":"2026-07-11T02:19:43+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"Two personal loans can quote the same flat rate and still have very different true costs. Here's how to read the effective rate before you sign.","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan#primaryimage","url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/07\/11101450\/closeup-accountant-using-calculator-writing.jpg","contentUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2026\/07\/11101450\/closeup-accountant-using-calculator-writing.jpg","width":1200,"height":628,"caption":"Image Source: By katemangostar at magnific.com"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/effective-rate-vs-flat-rate-personal-loan#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Personal Loan","item":"https:\/\/www.imoney.my\/articles\/category\/personal-loan"},{"@type":"ListItem","position":3,"name":"Effective Rate vs Flat Rate: Why Two Loans With the Same Rate Can Have Different Costs"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb","name":"iMoney Editorial","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","caption":"iMoney Editorial"},"description":"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.","sameAs":["http:\/\/www.imoney.my"],"url":"https:\/\/www.imoney.my\/articles\/author\/chinglee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/70655","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=70655"}],"version-history":[{"count":2,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/70655\/revisions"}],"predecessor-version":[{"id":70658,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/70655\/revisions\/70658"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/70657"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=70655"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=70655"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=70655"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}