Petronesa - HDM Capital

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Line 64: Line 64:
! 1
! 1
| 12 || 11.216 || 11.112
| 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
! 3
-
| 36 || 5.99% || 28.25
+
| 36 || 29.759 || 29.039
 +
|-
 +
! 3.5
 +
| 42 || 33.744 || 32.821
|-
|-
! 4
! 4
-
| 48 || 5.99% || 36.38
+
| 48 || 37.512 || 36.375
 +
|-
 +
! 4.5
 +
| 54 || 41.079 || 39.719
|-
|-
! 5
! 5
-
| 60 || 5.99% || 43.75
+
| 60 || 44.461 || 42.872
 +
|-
 +
! 5.5
 +
| 66 || 47.672 || 45.851
|-
|-
! 6
! 6
-
| 72 || 4.99% || 52.81
+
| 72 || 50.726 || 48.668
 +
|-
 +
! 1
 +
| 12 || 11.216 || 11.112
 +
|-
 +
! 1
 +
| 12 || 11.216 || 11.112
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|-
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! 1
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| 12 || 11.216 || 11.112
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|-
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! 1
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| 12 || 11.216 || 11.112
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! 1
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| 12 || 11.216 || 11.112
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|-
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! 1
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| 12 || 11.216 || 11.112
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|-
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! 1
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| 12 || 11.216 || 11.112
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! 1
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| 12 || 11.216 || 11.112
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! 1
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| 12 || 11.216 || 11.112
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! 1
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| 12 || 11.216 || 11.112
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|-
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! 1
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| 12 || 11.216 || 11.112
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! 1
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| 12 || 11.216 || 11.112
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|-
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! 1
 +
| 12 || 11.216 || 11.112
 +
|-
 +
! 1
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| 12 || 11.216 || 11.112
 +
|-
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! 1
 +
| 12 || 11.216 || 11.112
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|-
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! 1
 +
| 12 || 11.216 || 11.112
|-
|-
-
! 7
+
! 1
-
| 84 || 4.99% || 59.58
+
| 12 || 11.216 || 11.112
|-
|-
-
! 8
+
! 1
-
| 96 || 4.99% || 65.86
+
| 12 || 11.216 || 11.112
|-
|-
-
! 9
+
! 1
-
| 108 || 4.99% || 71.71
+
| 12 || 11.216 || 11.112
|-
|-
-
! 10
+
! 1
-
| 120 || 4.99% || 77.18
+
| 12 || 11.216 || 11.112
|-
|-
-
! 11
+
! 1
-
| 132 || 4.99% || 82.28
+
| 12 || 11.216 || 11.112
|-
|-
-
! 12
+
! 1
-
| 144 || 4.99% || 87.08
+
| 12 || 11.216 || 11.112
|-
|-
-
! 13
+
! 1
-
| 156 || 4.99% || 91.58
+
| 12 || 11.216 || 11.112
|-
|-
-
! 14
+
! 1
-
| 168 || 4.99% || 95.81
+
| 12 || 11.216 || 11.112
|-
|-
-
! 15
+
! 1
-
| 180 || 4.99% || 99.81
+
| 12 || 11.216 || 11.112
|-
|-
-
! 16
+
! 1
-
| 192 || 4.99% || 103.58
+
| 12 || 11.216 || 11.112
|-
|-
-
! 17
+
! 1
-
| 204 || 4.99% || 107.15
+
| 12 || 11.216 || 11.112
|-
|-
-
! 18
+
! 1
-
| 216 || 4.99% || 110.53
+
| 12 || 11.216 || 11.112
|-
|-
-
! 19
+
! 1
-
| 228 || 4.99% || 113.74
+
| 12 || 11.216 || 11.112
|-
|-
-
! 20
+
! 1
-
| 240 || 4.99% || 116.78
+
| 12 || 11.216 || 11.112
|}
|}

Revision as of 09:43, 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
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
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%
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