Petronesa - HDM Capital

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| 72 || 50.726 || 48.668
| 72 || 50.726 || 48.668
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! 1
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! 6.5
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| 12 || 11.216 || 11.112
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| 78 || 53.632 || 51.338
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! 7
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| 12 || 11.216 || 11.112
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| 84 || 56.402 || 53.870
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! 7.5
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| 12 || 11.216 || 11.112
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| 90 || 59.045 || 56.276
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! 8
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| 12 || 11.216 || 11.112
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| 96 || 61.570 || 58.565
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| 12 || 11.216 || 11.112
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| 102 || 63.984 || 60.745
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| 12 || 11.216 || 11.112
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| 108 || 66.294 || 62.824
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| 12 || 11.216 || 11.112
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| 114 || 68.508 || 64.808
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! 10
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| 12 || 11.216 || 11.112
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| 120 || 70.630 || 66.704
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| 12 || 11.216 || 11.112
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| 126 || 72.666 || 68.517
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| 132 || 74.623 || 70.254
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| 138 || 76.503 || 71.918
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! 12
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| 144 || 78.213 || 73.514
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| 12 || 11.216 || 11.112
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| 150 || 80.053 || 75.047
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| 12 || 11.216 || 11.112
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| 156 || 81.731 || 76.519
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| 12 || 11.216 || 11.112
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| 162 || 83.348 || 77.935
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| 12 || 11.216 || 11.112
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| 168 || 84.909 || 79.298
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| 174 || 86.415 || 80.610
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| 12 || 11.216 || 11.112
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| 180 || 87.869 || 81.874
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| 12 || 11.216 || 11.112
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| 186 || 89.275 || 83.093
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| 12 || 11.216 || 11.112
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| 192 || 90.634 || 84.270
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| 12 || 11.216 || 11.112
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| 198 || 91.950 || 85.406
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| 12 || 11.216 || 11.112
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| 204 || 93.223 || 86.504
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| 12 || 11.216 || 11.112
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| 210 || 94.456 || 87.564
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| 12 || 11.216 || 11.112
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| 216 || 95.651 || 88.590
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| 222 || 96.810 || 89.583
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| 12 || 11.216 || 11.112
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| 228 || 97.934 || 90.544
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| 12 || 11.216 || 11.112
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| 234 || 99.025 || 91.476
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| 12 || 11.216 || 11.112
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| 240 || 100.083 || 92.379
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Revision as of 10:00, 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
1.5 18 16.292 16.074
2 24 21.056 20.693
2.5 30 25.537 25.005
3 36 29.759 29.039
3.5 42 33.744 32.821
4 48 37.512 36.375
4.5 54 41.079 39.719
5 60 44.461 42.872
5.5 66 47.672 45.851
6 72 50.726 48.668
6.5 78 53.632 51.338
7 84 56.402 53.870
7.5 90 59.045 56.276
8 96 61.570 58.565
8.5 102 63.984 60.745
9 108 66.294 62.824
9.5 114 68.508 64.808
10 120 70.630 66.704
10.5 126 72.666 68.517
11 132 74.623 70.254
11.5 138 76.503 71.918
12 144 78.213 73.514
12.5 150 80.053 75.047
13 156 81.731 76.519
13.5 162 83.348 77.935
14 168 84.909 79.298
14.5 174 86.415 80.610
15 180 87.869 81.874
15.5 186 89.275 83.093
16 192 90.634 84.270
16.5 198 91.950 85.406
17 204 93.223 86.504
17.5 210 94.456 87.564
18 216 95.651 88.590
18.5 222 96.810 89.583
19 228 97.934 90.544
19.5 234 99.025 91.476
20 240 100.083 92.379
  • Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
  • Loan Eligible = Available Deduction x Factor
  • In Hand = Loan Eligible x 100%
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