Petronesa - HDM Capital

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== CTOS For All Types of 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)
 +
 +
== Factor ==
 +
{| class="wikitable" style="text-align:center"
 +
! YEARS !! MONTH !! 6.99% !! 7.99%
 +
|-
 +
! 1
 +
| 12 || 11.216 || 11.112
 +
|-
 +
! 3
 +
| 36 || 5.99% || 28.25
 +
|-
 +
! 4
 +
| 48 || 5.99% || 36.38
 +
|-
 +
! 5
 +
| 60 || 5.99% || 43.75
 +
|-
 +
! 6
 +
| 72 || 4.99% || 52.81
 +
|-
 +
! 7
 +
| 84 || 4.99% || 59.58
 +
|-
 +
! 8
 +
| 96 || 4.99% || 65.86
 +
|-
 +
! 9
 +
| 108 || 4.99% || 71.71
 +
|-
 +
! 10
 +
| 120 || 4.99% || 77.18
 +
|-
 +
! 11
 +
| 132 || 4.99% || 82.28
 +
|-
 +
! 12
 +
| 144 || 4.99% || 87.08
 +
|-
 +
! 13
 +
| 156 || 4.99% || 91.58
 +
|-
 +
! 14
 +
| 168 || 4.99% || 95.81
 +
|-
 +
! 15
 +
| 180 || 4.99% || 99.81
 +
|-
 +
! 16
 +
| 192 || 4.99% || 103.58
 +
|-
 +
! 17
 +
| 204 || 4.99% || 107.15
 +
|-
 +
! 18
 +
| 216 || 4.99% || 110.53
 +
|-
 +
! 19
 +
| 228 || 4.99% || 113.74
 +
|-
 +
! 20
 +
| 240 || 4.99% || 116.78
 +
|}
 +
 +
* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
 +
* Loan Eligible = Available Deduction x Factor
 +
* In Hand = Loan Eligible x 100%

Revision as of 09:36, 3 February 2012

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 - 6.99%

  • Criteria:
    • Permanent
    • Working more than 1 year
    • Payslip
      • AG WITH & WITHOUT deduction EPF
      • Majlis, Dewan & Badan Berkanun with EPF
  • Interest: 6.99%
  • Tenure: Min 1 to 20 Years.
  • Payout: 89% - RM10
  • Facility Amount :
    • Minimum: RM1000
    • Maximum: RM150,000 or 50 X which ever is lower
    • Exceptions:
      • PRA & Driver with Pension: Max RM75,000
      • PRA & Driver with EPF: Max RM30,000
      • Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga (with Pension ONLY): Max RM30,000
  • Financing Age:
Retirement Age Borrowing 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 - 7.99%

  • Criteria:
    • Permanent
    • Working more than 1 year
    • Payslip NOT AG & WITHOUT EPF deduction
  • Interest: 7.99%
  • Facility Amount :
    • Minimum: RM1000
    • Maximum: RM70,000 or 20 X which ever is lower
      • Exceptions:
        • PRA with EPF: Max RM10,000
        • Driver with EPF: Max RM15,000
  • Other Requirements: Same with Employment Status A

CTOS For All Types of Employer

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

Factor

YEARS MONTH 6.99% 7.99%
1 12 11.216 11.112
3 36 5.99% 28.25
4 48 5.99% 36.38
5 60 5.99% 43.75
6 72 4.99% 52.81
7 84 4.99% 59.58
8 96 4.99% 65.86
9 108 4.99% 71.71
10 120 4.99% 77.18
11 132 4.99% 82.28
12 144 4.99% 87.08
13 156 4.99% 91.58
14 168 4.99% 95.81
15 180 4.99% 99.81
16 192 4.99% 103.58
17 204 4.99% 107.15
18 216 4.99% 110.53
19 228 4.99% 113.74
20 240 4.99% 116.78
  • Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
  • Loan Eligible = Available Deduction x Factor
  • In Hand = Loan Eligible x 100%
Retrieved from "http://mss.enrii.net/Internal/index.php/Petronesa_-_HDM_Capital"