Petronesa - HDM Capital

From Internal

Contents 1 Product Features 2 Employment Status A - 8.99% - 10.50% (WM & SABAH) 3 Employment Status B - 7.99% 4 CTOS For All Types of Employer 5 Factor

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. Majlis Amanah Rakyat (MARA)
7. Employer with pension scheme (under acceptance list)

Employment Status A - 8.99% - 10.50% (WM & SABAH)

• Criteria:
  • Permanent
  • Working min 3 months in service- below 1 year of service need CTC Letter Of Offer
• Tenure: Min 1 to 10 Years.
• Salary: All Applicants :RM1,500 , Police :RM1,000
• Payout: 77.50%
• Facility Amount :
  • New Acc:
• Min:RM1,000
• Max:RM50,000 or 30X which ever is lower
  • Existing Acc:
• Min:RM1,000
• Max:RM100,000 or 30X which ever is lower

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
  1. • 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
6.5	78	53.632	51.338
7	84	56.402	53.870
7.5	90	59.045	56.276
8	96	61.570	58.565
8.5	102	63.984	60.745
9	108	66.294	62.824
9.5	114	68.508	64.808
10	120	70.630	66.704
10.5	126	72.666	68.517
11	132	74.623	70.254
11.5	138	76.503	71.918
12	144	78.213	73.514
12.5	150	80.053	75.047
13	156	81.731	76.519
13.5	162	83.348	77.935
14	168	84.909	79.298
14.5	174	86.415	80.610
15	180	87.869	81.874
15.5	186	89.275	83.093
16	192	90.634	84.270
16.5	198	91.950	85.406
17	204	93.223	86.504
17.5	210	94.456	87.564
18	216	95.651	88.590
18.5	222	96.810	89.583
19	228	97.934	90.544
19.5	234	99.025	91.476
20	240	100.083	92.379

• Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
• Loan Eligible = Available Deduction x Factor
• In Hand = Loan Eligible x 89% - RM10