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 6 Special Attention For Option 58 7 CTOS For All Types of Employer

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 than 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 50 X which ever is lower
  • Exceptions:
    • PRA, Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan: Max RM75,000
    • Pegawai Keselamatan, Polis Keselamatan, Polis Bantuan & Jaga: Max RM30,000
• 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.

Employment Status B

• Criteria:
  • Permanent
  • Working more than 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
  2. 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:
       • 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

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

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.
    • PRA: Max RM10,000
    • Driver, Pembantu Prubatan Kesihatan & Attenden Kesihatan : Max RM15,000
    • 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

• Min Salary : RM1000

Special Attention For Option 58

• Age < 55: Max Loan RM50,000 or 20Xs, whichever lower
• Age > 55: Max Loan RM30,000 or 20Xs, whichever lower

CTOS For All Types of Employer

• Max RM25,000 or 2 cases(allow to do partial settlement)