Petronesa - HDM Capital

From Internal

Contents 1 Product Features 2 Employment Status A 3 Employment Status B 4 Employment Status C 5 Type of Employer from Acceptance List

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

• Criteria :
  • Permanent
  • Working more then 1 year
  • Payslip WITHOUT deduction EPF
• Interest : 6.99%
• Tenure : Min 1 to 20 Years.
• Payout : 90%
• Facility Amount :
  • Minimum : RM1000
  • Maximum : RM150,000 or 50Xs which ever is lower
  • PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max Rm75,000
  • Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max 30,000
• Financing Age :
  • Retirement Age Financing Age
  • 55   18 to 54.25
  • 56 18 to 55.00
  • 58 18 to 56.50
• Minimum Salary :
  • RM800 - Police
  • RM900 - All applicants.

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Employment Status B

• Criteria :
  • Permanent
  • Working more then 1 year
  • Payslip WITH deduction EPF
• Facility Amount :

1. Working 1 to 3 years(under EPF)

• • Max RM100,000.00 or, IF 25Xs below RM50,000.00 can go for RM50,000.00

1. Working more than 3 years(Under EPF)

• • Max RM100,000.00 or, IF 25Xs below RM50,000.00 can go for RM50,000.00
  • PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM30,000
  • Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max N/A

• Other Requirements : Same with Employment Status A

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Employment Status C

• Criteria :
  • Permanent
  • Working below 1 year
• Profit Rate : 7.50%
• Facility Amount :

1. Working 3 to 6 months - Max RM30,000.00
2. Working 7 to 12 months - Max RM50,000.00
3. Working 3 to 12 months for doctor, nurse, police and teacher- Max RM50,000.00

• Must attach letter of appointment

1. PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM30,000
2. Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga : Max N/A

• Other Requirements : Same with Employment Status A

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Type of Employer from Acceptance List

• Acceptance List: -

1. Acceptance list 27/05/2011(Not applicable for Kelantan)
2. Acceptance list 27/05/2011 for Kelantan Employer Only.

• If the borrower is under pension scheme, can follow AG Policy.
• Employment Status:

1. Local Council and statutory Body - Min working 1 year.
2. Private Company "SDN BHD/BHD" - Min working 3 years.

• Profit Rate : 8.50%
• Tenure:

1. Local Council and statutory body - 1 to 10 years, 15 years if specified.
2. Private Company "SDN BHD/BHD" - 1 to 7 years.

• Payout : 90%
• Facility Amount :
  • Minimum : RM1000
  • Maximum : RM70,000 or 20Xs which ever is lower.
  • a)PRA : Max RM10,000
  • b)Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM15,000
  • c)Pegawai dan Polis Keselamatan, Polis Bantuan & Jaga : N/A
• Financing Age:

Retirement Age Financing Age

   55   18 to 54.25
   56   18 to 55.00
   58   18 to 56.50