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)
-
# Police
+
#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
-
== Employment Status A - 6.99% ==
+
*Sabah and Sarawak State Gov & its related "Badan Berkanun":'''REJECT'''
-
* Criteria:
+
*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
+
**Criteria : [[Media:Petronesa-HDM-Criteria.pdf]]
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** Payslip
+
-
*** AG <b>WITH & WITHOUT</b> 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:
+
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*** PRA & Driver with Pension: Max RM75,000
+
-
*** PRA & Driver with EPF: Max RM30,000
+
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*** Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga (with Pension ONLY): Max RM30,000
+
-
* Financing Age:
+
-
{|class="wikitable" style="text-align:center"
+
-
! Retirement Age !! Borrowing Age
+
-
|-
+
-
| 55 || 18 to 54.25
+
-
|-
+
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| 56 || 18 to 55.00
+
-
|-
+
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| 58 || 18 to 56.50
+
-
|}
+
-
* Minimum Salary :
+
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** RM800 - Police
+
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** RM900 - All applicants.
+
-
== Employment Status B - 7.99% ==
+
== Acceptance List ==
 +
*Download: [[Media:Petronesa-HDM-Acceptance-List.pdf]]
 +
 
 +
== 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:
* Criteria:
-
** Permanent
 
-
** Working more than 1 year
 
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** Payslip <b>NOT AG & WITHOUT</b> EPF deduction
 
-
* Interest: 7.99%
 
-
* Facility Amount :
 
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** Minimum: RM1000
 
-
** Maximum: RM70,000 or 20 X which ever is lower
 
-
*#* Exceptions:
 
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*#** PRA with EPF: Max RM10,000
 
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*#** 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
 
-
| 24 || 21.056 || 20.693
 
-
|-
 
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! 2.5
 
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| 30 || 25.537 || 25.005
 
-
|-
 
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! 3
 
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| 36 || 29.759 || 29.039
 
-
|-
 
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! 3.5
 
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| 42 || 33.744 || 32.821
 
-
|-
 
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! 4
 
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| 48 || 37.512 || 36.375
 
-
|-
 
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! 4.5
 
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| 54 || 41.079 || 39.719
 
-
|-
 
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! 5
 
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| 60 || 44.461 || 42.872
 
-
|-
 
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! 5.5
 
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| 66 || 47.672 || 45.851
 
-
|-
 
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! 6
 
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| 72 || 50.726 || 48.668
 
-
|-
 
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! 1
 
-
| 12 || 11.216 || 11.112
 
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|-
 
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! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|-
 
-
! 1
 
-
| 12 || 11.216 || 11.112
 
-
|}
 
-
 
-
* Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
 
-
* Loan Eligible = Available Deduction x Factor
 
-
* In Hand = Loan Eligible x 100%
 

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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