Petronesa - HDM Capital

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== Product Features ==
== Product Features ==
*Location : West Malaysia only.
*Location : West Malaysia only.
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*Type of Employer (AG Policy)  
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*Employment Sector:
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# Federal Government (AG)
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#Sector A:AG/POLICE (exclude Occupation in Sector L)
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# Police
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#Sector B:WM State Govt (exclude Occupation in Sector L)
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# Government Universities & Hospitals
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#Sector C:Acceptance List: Institution /Suruhanjaya/Statutory Bodies/Govt Linked Companies (exclude Occupation in Sector L)
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# West Malaysia state Government (State Treasury Payslip)
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#Sector D:Acceptance List: Majlis /Lembaga /Perbadanan /Dewan /Govt Universities /Govt Linked Co.(exclude Occupation in Sector L)
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# LHDN, KWSP & Perkeso
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#Sector L:PRA/Security Guard(KP11)/Pegawai Keselamatan/Polis Keselamatan/Polis Bantuan /Jaga /Pemandu /Operator/Attendant /Tukang Masak /Tukang Kebun /IMG
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# Majlis Amanah Rakyat (MARA)
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#Sector P:Acceptance List:Private Companies
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# Employer with pension scheme (under acceptance list)
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#Sector P:High Risk customer from employment sector A,B,C,D
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== Employment Status A - 6.99% ==
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*Sabah and Sarawak State Gov & its related "Badan Berkanun":'''REJECT'''
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* Criteria:
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*Contract Staff: '''REJECT'''
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** Permanent
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** For more details, pls click below:
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** Working more than 1 year
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**Criteria : [[Media:Petronesa-HDM-Criteria.pdf]]
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** Payslip
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*** AG <b>WITH & WITHOUT</b> deduction EPF
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== Acceptance List ==
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*** Majlis, Dewan & Badan Berkanun with EPF
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*Download: [[Media:Petronesa-HDM-Acceptance-List.pdf]]
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* Interest: 6.99%
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* Tenure: Min 1 to 20 Years.
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== Employment Status A - 8.99% - 10.50% (WM & SABAH) ==
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* Payout: 89% - RM10
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*Employment Status :Permanent -Working min 3 months in service- '''below 1 year of service need CTC Letter Of Offer'''
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* Facility Amount :  
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*Age: 19 - 57 years
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** Minimum: RM1000
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*Tenure: Min 1 to 10 Years.
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** Maximum: RM150,000 or 50 X which ever is lower
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*Salary: All Applicants :RM1,500 , Police :RM1,000
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** Exceptions:
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*Payout: 77.50%
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*** PRA & Driver with Pension: Max RM75,000
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*Facility Amount :  
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*** PRA & Driver with EPF: Max RM30,000
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**New Acc:
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*** Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga (with Pension ONLY): Max RM30,000
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*Min:RM1,000
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* Financing Age:
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*Max:RM50,000 or 30X which ever is lower
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{|class="wikitable" style="text-align:center"
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**Existing Acc:
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! Retirement Age !! Borrowing Age
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*Min:RM1,000
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|-
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*Max:RM100,000 or 30X which ever is lower
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| 55 || 18 to 54.25
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|-
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| 56 || 18 to 55.00
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|-
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| 58 || 18 to 56.50
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|}
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* Minimum Salary :
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** RM800 - Police
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** RM900 - All applicants.
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== Employment Status B - 7.99% ==
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== Employment Status B, C, D - 8.99% -10.50% ==
* Criteria:
* Criteria:
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** Permanent
 
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** Working more than 1 year
 
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** Payslip <b>NOT AG & WITHOUT</b> EPF deduction
 
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* 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
 
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*#* Exceptions:
 
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*#** PRA with EPF: Max RM10,000
 
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*#** Driver with EPF: Max RM15,000
 
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* 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)

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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