Petronesa - HDM Capital

From Internal

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 - 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:

• 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
  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

• Available Deduction = (Salary x 60%) - Deduction at Payslip + Redemption (settlement)
• Loan Eligible = Available Deduction x Factor
• In Hand = Loan Eligible x 100%