Petronesa - HDM Capital

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== Product Features ==
== Product Features ==
*Location : West Malaysia only.
*Location : West Malaysia only.
-
*Type of Employer (AG Policy)  
+
*Employment Sector:
-
# Federal Government (AG)
+
#Sector A:AG/POLICE (exclude Occupation in Sector L)
-
# Polis
+
#Sector B:WM State Govt (exclude Occupation in Sector L)
-
# Government Universities & Hospitals
+
#Sector C:Acceptance List: Institution /Suruhanjaya/Statutory Bodies/Govt Linked Companies (exclude Occupation in Sector L)
-
# West Malaysia state Government (State Treasury Payslip)
+
#Sector D:Acceptance List: Majlis /Lembaga /Perbadanan /Dewan /Govt Universities /Govt Linked Co.(exclude Occupation in Sector L)
-
# LHDN, KWSP & Perkeso
+
#Sector L:PRA/Security Guard(KP11)/Pegawai Keselamatan/Polis Keselamatan/Polis Bantuan /Jaga /Pemandu /Operator/Attendant /Tukang Masak /Tukang Kebun /IMG
-
# Majlis Amanah Rakyat (MARA)
+
#Sector P:Acceptance List:Private Companies
-
# Employer with pension scheme (under acceptance list)
+
#Sector P:High Risk customer from employment sector A,B,C,D
 +
 
 +
*Sabah and Sarawak State Gov & its related "Badan Berkanun":'''REJECT'''
 +
*Contract Staff: '''REJECT'''
 +
** For more details, pls click below:
 +
**Criteria : [[Media:Petronesa-HDM-Criteria.pdf]]
 +
 
 +
== Acceptance List ==
 +
*Download: [[Media:Petronesa-HDM-Acceptance-List.pdf]]
== Employment Status A - 8.99% - 10.50% (WM & SABAH) ==
== Employment Status A - 8.99% - 10.50% (WM & SABAH) ==
-
* Criteria:
+
*Employment Status :Permanent -Working min 3 months in service- '''below 1 year of service need CTC Letter Of Offer'''
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**Permanent
+
*Age: 19 - 57 years
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**Working min 3 months in service- '''below 1 year of service need CTC Letter Of Offer'''
+
*Tenure: Min 1 to 10 Years.
*Tenure: Min 1 to 10 Years.
*Salary: All Applicants :RM1,500 , Police :RM1,000
*Salary: All Applicants :RM1,500 , Police :RM1,000
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*Max:RM100,000 or 30X which ever is lower
*Max:RM100,000 or 30X which ever is lower
-
== Employment Status B - 7.99% ==
+
== Employment Status B, C, D - 8.99% -10.50% ==
* Criteria:
* Criteria:
-
** Permanent
 
-
** Working more than 1 year
 
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** Payslip <b>NOT AG & WITHOUT</b> EPF deduction
 
-
* Interest: 7.99%
 
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* Facility Amount :
 
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** Minimum: RM1000
 
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** Maximum: RM70,000 or 20 X which ever is lower
 
-
*#* Exceptions:
 
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*#** PRA with EPF: Max RM10,000
 
-
*#** Driver with EPF: Max RM15,000
 
-
* Other Requirements: Same with <b>Employment Status A</b>
 
== 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
 
-
|-
 
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! 1.5
 
-
| 18 || 16.292 || 16.074
 
-
|-
 
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! 2
 
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| 24 || 21.056 || 20.693
 
-
|-
 
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! 2.5
 
-
| 30 || 25.537 || 25.005
 
-
|-
 
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! 3
 
-
| 36 || 29.759 || 29.039
 
-
|-
 
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! 3.5
 
-
| 42 || 33.744 || 32.821
 
-
|-
 
-
! 4
 
-
| 48 || 37.512 || 36.375
 
-
|-
 
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! 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
 
-
|-
 
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! 7
 
-
| 84 || 56.402 || 53.870
 
-
|-
 
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! 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
 
-
|-
 
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! 10
 
-
| 120 || 70.630 || 66.704
 
-
|-
 
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! 10.5
 
-
| 126 || 72.666 || 68.517
 
-
|-
 
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! 11
 
-
| 132 || 74.623 || 70.254
 
-
|-
 
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! 11.5
 
-
| 138 || 76.503 || 71.918
 
-
|-
 
-
! 12
 
-
| 144 || 78.213 || 73.514
 
-
|-
 
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! 12.5
 
-
| 150 || 80.053 || 75.047
 
-
|-
 
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! 13
 
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| 156 || 81.731 || 76.519
 
-
|-
 
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! 13.5
 
-
| 162 || 83.348 || 77.935
 
-
|-
 
-
! 14
 
-
| 168 || 84.909 || 79.298
 
-
|-
 
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! 14.5
 
-
| 174 || 86.415 || 80.610
 
-
|-
 
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! 15
 
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| 180 || 87.869 || 81.874
 
-
|-
 
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! 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
 
-
|-
 
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! 18.5
 
-
| 222 || 96.810 || 89.583
 
-
|-
 
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! 19
 
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| 228 || 97.934 || 90.544
 
-
|-
 
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! 19.5
 
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| 234 || 99.025 || 91.476
 
-
|-
 
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! 20
 
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| 240 || 100.083 || 92.379
 
-
|}
 
-
 
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* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
 
-
* Loan Eligible = Available Deduction x Factor
 
-
* In Hand = Loan Eligible x 89% - RM10
 

Latest revision as of 09:56, 16 May 2016

Contents

Product Features

  • Location : West Malaysia only.
  • Employment Sector:
  1. Sector A:AG/POLICE (exclude Occupation in Sector L)
  2. Sector B:WM State Govt (exclude Occupation in Sector L)
  3. Sector C:Acceptance List: Institution /Suruhanjaya/Statutory Bodies/Govt Linked Companies (exclude Occupation in Sector L)
  4. Sector D:Acceptance List: Majlis /Lembaga /Perbadanan /Dewan /Govt Universities /Govt Linked Co.(exclude Occupation in Sector L)
  5. Sector L:PRA/Security Guard(KP11)/Pegawai Keselamatan/Polis Keselamatan/Polis Bantuan /Jaga /Pemandu /Operator/Attendant /Tukang Masak /Tukang Kebun /IMG
  6. Sector P:Acceptance List:Private Companies
  7. Sector P:High Risk customer from employment sector A,B,C,D
  • Sabah and Sarawak State Gov & its related "Badan Berkanun":REJECT
  • Contract Staff: REJECT

Acceptance List

Employment Status A - 8.99% - 10.50% (WM & SABAH)

  • Employment Status :Permanent -Working min 3 months in service- below 1 year of service need CTC Letter Of Offer
  • Age: 19 - 57 years
  • Tenure: Min 1 to 10 Years.
  • Salary: All Applicants :RM1,500 , Police :RM1,000
  • Payout: 77.50%
  • Facility Amount :
    • New Acc:
  • Min:RM1,000
  • Max:RM50,000 or 30X which ever is lower
    • Existing Acc:
  • Min:RM1,000
  • Max:RM100,000 or 30X which ever is lower

Employment Status B, C, D - 8.99% -10.50%

  • Criteria:

CTOS For All Types of Employer

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