Petronesa - HDM Capital
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(Difference between revisions)
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== 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 | ||
+ | |- | ||
+ | ! 3 | ||
+ | | 36 || 5.99% || 28.25 | ||
+ | |- | ||
+ | ! 4 | ||
+ | | 48 || 5.99% || 36.38 | ||
+ | |- | ||
+ | ! 5 | ||
+ | | 60 || 5.99% || 43.75 | ||
+ | |- | ||
+ | ! 6 | ||
+ | | 72 || 4.99% || 52.81 | ||
+ | |- | ||
+ | ! 7 | ||
+ | | 84 || 4.99% || 59.58 | ||
+ | |- | ||
+ | ! 8 | ||
+ | | 96 || 4.99% || 65.86 | ||
+ | |- | ||
+ | ! 9 | ||
+ | | 108 || 4.99% || 71.71 | ||
+ | |- | ||
+ | ! 10 | ||
+ | | 120 || 4.99% || 77.18 | ||
+ | |- | ||
+ | ! 11 | ||
+ | | 132 || 4.99% || 82.28 | ||
+ | |- | ||
+ | ! 12 | ||
+ | | 144 || 4.99% || 87.08 | ||
+ | |- | ||
+ | ! 13 | ||
+ | | 156 || 4.99% || 91.58 | ||
+ | |- | ||
+ | ! 14 | ||
+ | | 168 || 4.99% || 95.81 | ||
+ | |- | ||
+ | ! 15 | ||
+ | | 180 || 4.99% || 99.81 | ||
+ | |- | ||
+ | ! 16 | ||
+ | | 192 || 4.99% || 103.58 | ||
+ | |- | ||
+ | ! 17 | ||
+ | | 204 || 4.99% || 107.15 | ||
+ | |- | ||
+ | ! 18 | ||
+ | | 216 || 4.99% || 110.53 | ||
+ | |- | ||
+ | ! 19 | ||
+ | | 228 || 4.99% || 113.74 | ||
+ | |- | ||
+ | ! 20 | ||
+ | | 240 || 4.99% || 116.78 | ||
+ | |} | ||
+ | |||
+ | * Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement) | ||
+ | * Loan Eligible = Available Deduction x Factor | ||
+ | * In Hand = Loan Eligible x 100% |
Revision as of 09:36, 3 February 2012
Contents |
Product Features
- Location : West Malaysia only.
- Type of Employer (AG Policy)
- Federal Government (AG)
- Police
- Government Universities & Hospitals
- West Malaysia state Government (State Treasury Payslip)
- LHDN, KWSP & Perkeso
- Majlis Amanah Rakyat (MARA)
- 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
- Exceptions:
- 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 |
3 | 36 | 5.99% | 28.25 |
4 | 48 | 5.99% | 36.38 |
5 | 60 | 5.99% | 43.75 |
6 | 72 | 4.99% | 52.81 |
7 | 84 | 4.99% | 59.58 |
8 | 96 | 4.99% | 65.86 |
9 | 108 | 4.99% | 71.71 |
10 | 120 | 4.99% | 77.18 |
11 | 132 | 4.99% | 82.28 |
12 | 144 | 4.99% | 87.08 |
13 | 156 | 4.99% | 91.58 |
14 | 168 | 4.99% | 95.81 |
15 | 180 | 4.99% | 99.81 |
16 | 192 | 4.99% | 103.58 |
17 | 204 | 4.99% | 107.15 |
18 | 216 | 4.99% | 110.53 |
19 | 228 | 4.99% | 113.74 |
20 | 240 | 4.99% | 116.78 |
- Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
- Loan Eligible = Available Deduction x Factor
- In Hand = Loan Eligible x 100%