Petronesa - HDM Capital

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(→Type of Employer from Acceptance List)
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== Product Features ==
== Product Features ==
*Location : West Malaysia only.
*Location : West Malaysia only.
-
*Type OF Employer (Ag Policy)  
+
*Type of Employer (AG Policy)  
-
# Federal Government(AG)
+
# Federal Government (AG)
# Police
# Police
# Government Universities & Hospitals
# Government Universities & Hospitals
-
# West Malaysia state Government(State Treasury Payslip)
+
# West Malaysia state Government (State Treasury Payslip)
# LHDN, KWSP & Perkeso
# LHDN, KWSP & Perkeso
-
# Majlis Amanah Rakyat(MARA)
+
# Majlis Amanah Rakyat (MARA)
-
# Employer with pension scheme(under acceptance list)
+
# Employer with pension scheme (under acceptance list)
== Employment Status A ==
== Employment Status A ==
-
*Criteria :
+
*Criteria:
**Permanent
**Permanent
**Working more then 1 year
**Working more then 1 year
**Payslip <b>WITHOUT</b> deduction EPF
**Payslip <b>WITHOUT</b> deduction EPF
-
*Interest : 6.99%
+
*Interest: 6.99%
-
*Tenure : Min 1 to 20 Years.
+
*Tenure: Min 1 to 20 Years.
-
*Payout : 90%
+
*Payout: 90%
* Facility Amount :  
* Facility Amount :  
-
**Minimum : RM1000
+
**Minimum: RM1000
**Maximum : RM150,000 or 50Xs which ever is lower
**Maximum : RM150,000 or 50Xs which ever is lower
-
**PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max Rm75,000
+
**PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM75,000
-
**Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max 30,000
+
**Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max RM30,000
-
* Financing Age :  
+
* Financing Age:
-
**Retirement Age         &nbsp;&nbsp;  &nbsp;  &nbsp;      Financing Age
+
{|class="wikitable" style="text-align:center"
-
**    55   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                            18 to 54.25
+
! Retirement Age !! Financing Age
-
**    56   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                            18 to 55.00
+
|-
-
**    58   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                          18 to 56.50
+
| 55 || 18 to 54.25
 +
|-
 +
| 56 || 18 to 55.00
 +
|-
 +
| 58 || 18 to 56.50
 +
|}
*Minimum Salary :  
*Minimum Salary :  
**RM800 - Police
**RM800 - Police
**RM900 - All applicants.
**RM900 - All applicants.
-
 
-
 
-
----
 
== Employment Status B ==
== Employment Status B ==
Line 47: Line 49:
**PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM30,000
**PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM30,000
**Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max N/A
**Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max N/A
-
 
*Other Requirements : Same with <b>Employment Status A</b>
*Other Requirements : Same with <b>Employment Status A</b>
-
 
-
----
 
== Employment Status C ==
== Employment Status C ==
*Criteria :   
*Criteria :   
Line 64: Line 63:
#PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM30,000
#PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM30,000
#Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max N/A
#Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max N/A
-
 
*Other Requirements : Same with <b>Employment Status A</b>
*Other Requirements : Same with <b>Employment Status A</b>
-
 
-
 
-
----
 
== Type of Employer from Acceptance List ==
== Type of Employer from Acceptance List ==
-
 
*Acceptance List: -
*Acceptance List: -
-
#Acceptance list 27/05/2011(Not applicable for Kelantan)
+
*# Acceptance list 27/05/2011(Not applicable for Kelantan)
-
#Acceptance list 27/05/2011 for Kelantan Employer Only.
+
*# Acceptance list 27/05/2011 for Kelantan Employer Only.
-
*If the borrower is under pension scheme, can follow AG Policy.
+
* If the borrower is under pension scheme, can follow AG Policy.
-
*Employment Status:  
+
* Employment Status:  
-
#Local Council and statutory Body - Min working 1 year.
+
*# Local Council and statutory Body - Min working 1 year.
-
#Private Company "SDN BHD/BHD" - Min working 3 years.
+
*# Private Company "SDN BHD/BHD" - Min working 3 years.
-
*Profit Rate : 8.50%
+
* Profit Rate: 8.50%
-
*Tenure:
+
* Tenure:
-
#Local Council and statutory body - 1 to 10 years, 15 years if specified.
+
*# Local Council and statutory body - 1 to 10 years, 15 years if specified.
-
#Private Company "SDN BHD/BHD" - 1 to 7 years.
+
*# Private Company "SDN BHD/BHD" - 1 to 7 years.
-
*Payout : 90%
+
* Payout: 90%
-
* Facility Amount :  
+
* Facility Amount:  
-
**Minimum : RM1000
+
** Minimum: RM1000
-
**Maximum : RM70,000 or 20Xs which ever is lower.
+
** Maximum: RM70,000 or 20Xs which ever is lower.
-
**a)PRA : Max RM10,000
+
*** PRA: Max RM10,000
-
**b)Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM15,000
+
*** Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM15,000
-
**c)Pegawai dan Polis Keselamatan, Polis Bantuan & Jaga : N/A
+
*** Pegawai dan Polis Keselamatan, Polis Bantuan & Jaga : N/A
-
* Financing Age :  
+
* Financing Age:
-
**Retirement Age         &nbsp;&nbsp;  &nbsp;  &nbsp;      Financing Age
+
{| class="wikitable" style="text-align:center"
-
**    55   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                            18 to 54.25
+
! Retirement Age !! Financing Age
-
**    56   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                            18 to 55.00
+
|-
-
**    58   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                          18 to 56.50
+
| 55 || 18 to 54.25
 +
|-
 +
| 56 || 18 to 55.00
 +
|-
 +
| 58 || 18 to 56.50
 +
|}
*Min Salary : RM1000
*Min Salary : RM1000
== Special Attention For Option 58 ==
== Special Attention For Option 58 ==
-
*Age<55 - Max Loan RM50,000 or 20Xs
+
*Age < 55: Max Loan RM50,000 or 20Xs, whichever lower
-
*Age>55 - Max Loan RM30,000 or 20xs
+
*Age > 55: Max Loan RM30,000 or 20Xs, whichever lower
-
== Ctos For all type Employer ==
+
== CTOS For All Types of Employer ==
* Max RM25,000 or 2 cases(allow to do partial settlement)
* Max RM25,000 or 2 cases(allow to do partial settlement)

Revision as of 09:22, 19 October 2011

Contents

Product Features

  • Location : West Malaysia only.
  • Type of Employer (AG Policy)
  1. Federal Government (AG)
  2. Police
  3. Government Universities & Hospitals
  4. West Malaysia state Government (State Treasury Payslip)
  5. LHDN, KWSP & Perkeso
  6. Majlis Amanah Rakyat (MARA)
  7. Employer with pension scheme (under acceptance list)

Employment Status A

  • Criteria:
    • Permanent
    • Working more then 1 year
    • Payslip WITHOUT deduction EPF
  • Interest: 6.99%
  • Tenure: Min 1 to 20 Years.
  • Payout: 90%
  • Facility Amount :
    • Minimum: RM1000
    • Maximum : RM150,000 or 50Xs which ever is lower
    • PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM75,000
    • Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max RM30,000
  • Financing Age:
Retirement Age Financing Age
55 18 to 54.25
56 18 to 55.00
58 18 to 56.50
  • Minimum Salary :
    • RM800 - Police
    • RM900 - All applicants.

Employment Status B

  • Criteria :
    • Permanent
    • Working more then 1 year
    • Payslip WITH deduction EPF
  • Facility Amount :
  1. Working 1 to 3 years(under EPF)
    • Max RM100,000.00 or, IF 25Xs below RM50,000.00 can go for RM50,000.00
  1. Working more than 3 years(Under EPF)
    • Max RM100,000.00 or, IF 25Xs below RM50,000.00 can go for RM50,000.00
    • PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM30,000
    • Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max N/A
  • Other Requirements : Same with Employment Status A

Employment Status C

  • Criteria :
    • Permanent
    • Working below 1 year
  • Profit Rate : 7.50%
  • Facility Amount :
  1. Working 3 to 6 months - Max RM30,000.00
  2. Working 7 to 12 months - Max RM50,000.00
  3. Working 3 to 12 months for doctor, nurse, police and teacher- Max RM50,000.00
  • Must attach letter of appointment
  1. PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM30,000
  2. Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max N/A
  • Other Requirements : Same with Employment Status A

Type of Employer from Acceptance List

  • Acceptance List: -
    1. Acceptance list 27/05/2011(Not applicable for Kelantan)
    2. Acceptance list 27/05/2011 for Kelantan Employer Only.
  • If the borrower is under pension scheme, can follow AG Policy.
  • Employment Status:
    1. Local Council and statutory Body - Min working 1 year.
    2. Private Company "SDN BHD/BHD" - Min working 3 years.
  • Profit Rate: 8.50%
  • Tenure:
    1. Local Council and statutory body - 1 to 10 years, 15 years if specified.
    2. Private Company "SDN BHD/BHD" - 1 to 7 years.
  • Payout: 90%
  • Facility Amount:
    • Minimum: RM1000
    • Maximum: RM70,000 or 20Xs which ever is lower.
      • PRA: Max RM10,000
      • Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM15,000
      • Pegawai dan Polis Keselamatan, Polis Bantuan & Jaga : N/A
  • Financing Age:
Retirement Age Financing Age
55 18 to 54.25
56 18 to 55.00
58 18 to 56.50
  • Min Salary : RM1000

Special Attention For Option 58

  • Age < 55: Max Loan RM50,000 or 20Xs, whichever lower
  • Age > 55: Max Loan RM30,000 or 20Xs, whichever lower

CTOS For All Types of Employer

  • Max RM25,000 or 2 cases(allow to do partial settlement)
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