Petronesa - HDM Capital

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(→Employment Status A - 6.99%)
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| 58 || 18 to 56.50
| 58 || 18 to 56.50
|}
|}
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*Minimum Salary :  
+
* Minimum Salary :  
-
**RM800 - Police
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** RM800 - Police
-
**RM900 - All applicants.
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** RM900 - All applicants.
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== Employment Status B 7.99% ==
+
== Employment Status B - 7.99% ==
* Criteria:
* Criteria:
** Permanent
** Permanent
** Working more than 1 year
** Working more than 1 year
-
** Payslip <b>WITH</b> deduction EPF
+
** Payslip <b>NOT AG & WITHOUT</b> EPF deduction
 +
* Interest: 7.99%
* Facility Amount :  
* Facility Amount :  
-
*# Working 1 to 3 years (under EPF)
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** Minimum: RM1000
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*#* Max RM100,000.00 or, IF 25Xs below RM50,000.00 can go for RM50,000.00
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** Maximum: RM70,000 or 20 X which ever is lower
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*# Working more than 3 years (under EPF)
+
-
*#* Max RM100,000.00 or, IF 25Xs below RM50,000.00 can go for RM50,000.00
+
*#* Exceptions:  
*#* Exceptions:  
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*#** PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan: Max RM30,000
+
*#** PRA with EPF: Max RM10,000
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*#** Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga: Max N/A
+
*#** Driver with EPF: Max RM15,000
* Other Requirements: Same with <b>Employment Status A</b>
* Other Requirements: Same with <b>Employment Status A</b>
-
 
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== Type of Employer from Acceptance List ==
 
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*Acceptance List: -
 
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*# Acceptance list 27/05/2011 (Not applicable for Kelantan)
 
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*# Acceptance list 27/05/2011 for Kelantan Employer Only.
 
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* If the borrower is under pension scheme, can follow AG Policy.
 
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* Employment Status:
 
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*# Local Council and statutory Body - Min working 1 year.
 
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*# Private Company "SDN BHD/BHD" - Min working 3 years.
 
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* Profit Rate: 8.50%
 
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* Tenure:
 
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*# Local Council and statutory body - 1 to 10 years, 15 years if specified.
 
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*# Private Company "SDN BHD/BHD" - 1 to 7 years.
 
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* Payout: 90%
 
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* Facility Amount:
 
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** Minimum: RM1000
 
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** Maximum: RM70,000 or 20Xs which ever is lower.
 
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*** PRA: Max RM10,000
 
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*** Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM15,000
 
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*** Pegawai dan Polis Keselamatan, Polis Bantuan & Jaga : N/A
 
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* Financing Age:
 
-
{| class="wikitable" style="text-align:center"
 
-
! Retirement Age !! Financing Age
 
-
|-
 
-
| 55 || 18 to 54.25
 
-
|-
 
-
| 56 || 18 to 55.00
 
-
|-
 
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| 58 || 18 to 56.50
 
-
|}
 
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*Min Salary: RM1000
 
-
 
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== Special Attention For Option 58 ==
 
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*Age < 55: Max Loan RM50,000 or 20Xs, whichever lower
 
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*Age > 55: Max Loan RM30,000 or 20Xs, whichever lower
 
== 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)

Revision as of 09:35, 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)
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