Petronesa - KFH

From Internal

Contents 1 Product Features 2 Allowances 2.1 Accepted List 2.2 Rejected List 2.3 Payslip Expiry Date

Product Features

• Location : West Malaysia only.
• Type of Employer (AG Policy)

1. Federal Government (AG)
2. Polis
3. Government Universities & Hospitals
4. West Malaysia state Government (State Treasury Payslip)
5. LHDN, KWSP & Perkeso
6. Employer with pension scheme (under acceptance list)
7. "Berhad and "Sdn Bhd" reject

• Interest Rate:
  • 2 to 5 years: 5.99%
  • 6 to 20 years: 5.00%
• Payout: 90%
• Facility Tenure: Min 2 years - Max 20 years
  • age 55 (option 56), 57 (option 58), 59 (option 60)
• Employment Status: Work for 1 year and above
• Finance: Min RM5,000 to RM200,000
  • Max loan limited to 80x fixed income or RM200,000 whichever is lower in multiple of RM1,000
• TAT: 2 - 3 weeks
• Salary: RM1,000 and above only
• Age: 19 years and above
• Expired Facility: 59 years old
• Fees: Waived
• Blacklist: Max RM25,000 and below per bank / creditor (Above RM25,000 - can settle full-case by case)
• CCRIS: Waived

Allowances

Accepted List

Fixed Allowance

• Imbuhan Tetap Perkhidmatan Awam
• Imbuhan Perumahan
• Bantuan Sara Hidup
• Elaun Keraian

Case by Case Basis

• Elaun BI Wilayah
• Elaun Motosikal
• Elaun Menyelam
• Elaun Post Basik
• Elaun Penguat Kuasa

Rejected List

• Elaun Lebih Masa (OT)
• Imbuhan Tahunan (Bonus)
• Tunggakan (Arrears)
• Elaun Memangku
• Elaun Tanggungan
• Elaun Jahitan
• Elaun Warden

(This list will be updated from time to time)

Payslip Expiry Date

• Payslip will expire every 30th of the subsequent month.