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Pengenalan Pinjaman Peribadi Pinjaman Peribadi Petronesa HDM Capital

Bahasa Melayu | English Version

Pinjaman peribadi Koperasi Petronesa Sdn. Bhd. berpusat di Sarawak dan kini telah memiliki ibupejabat di Kuala Lumpur. Tawaran terbaik bagi pemohon yang ingin memohon dengan cepat tanpa menunggu lama seperti koperasi lain. Terbuka kepada kakitangan kerajaan berjawatan tetap dan polis sahaja.

Petronesa 7.99% (under HDM Capital)

Kriteria pinjaman peribadi Koperasi Petronesa Sdn Bhd dengan interest 7.99% adalah seperti berikut:-

  1. Terbuka kepada kakitangan kerajaan sahaja.
  2. Interest terbaru 7.99%.
  3. Payout 80% tolak Rm50 deduction fees.
  4. Max pinjaman sehingga Rm200 ribu.
  5. Tempoh proses cepat 1-2 minggu. (Berkuatkuasa pada Julai 2013, had tempoh pinjaman peribadi bagi semua permohonan Petronesa Kuwait telah dipendekkan menjadi 10 tahun seperti arahan Bank Negara Malaysia)
  6. Yuran bulanan koperasi Rm20.
  7. CTOS Rm25k ke bawah diterima. Jika melebihi Rm25k perlu settle semua atau settle tunggakan (bergantung kepada persetujuan dari pihak bank yang mengenakan CTOS).
  8. Untuk pelanggan di Sabah dan Sarawak tidak diterima.

Petronesa 9.99% (under HDM Capital)

Manakala kadar keuntungan 9.99% pula ditawarkan kepada pemohon dengan syarat-syarat seperti dibawah:-

  1. Terbuka kepada kakitangan kerajaan sahaja.
  2. Interest terbaru 9.99%.
  3. Payout 80% tolak Rm50 deduction fees.
  4. Max pinjaman sehingga Rm200 ribu.
  5. Tempoh proses 1-2 minggu. (Berkuatkuasa pada Julai 2013, had tempoh pinjaman peribadi bagi semua permohonan Petronesa Kuwait telah dipendekkan menjadi 10 tahun seperti arahan Bank Negara Malaysia)
  6. Yuran bulanan koperasi Rm20.
  7. CTOS Rm25k ke bawah diterima. Jika melebihi Rm25k perlu settle semua atau settle tunggakan (bergantung kepada persetujuan dari pihak bank yang mengenakan CTOS).
  8. Untuk pelanggan di Sabah dan Sarawak tidak diterima.

Petronesa 6.49% (under HDM Capital)- (Ditutup buat masa ini)

Bagi personal loan Petronesa Sdn Bhd interest ini seperti berikut:-

  1. Terbuka kepada kakitangan kerajaan sahaja.
  2. Interest 6.49% flat rate.
  3. Payout 89% tolak Rm25 deduction fees.
  4. Max pinjaman sehingga Rm200 ribu.
  5. Tempoh proses 4 minggu.
  6. Pemohon yang mempunyai blacklist CTOS wajib untuk settle semua amaun CTOS.

Petronesa-Kuwait 3.99% (under Kuwait Finance House)- (Ditutup buat masa ini)

Personal loan Petronesa Kuwait 3.99% adalah pembiayaan peribadi terhangat yang pernah ditawarkan oleh Koperasi Petronesa.

  1. Mestilah berkerja sekurang-kurangnya 1 tahun.
  2. Kadar interest paling rendah 3.99% setahun flat rate.
  3. Kelulusan dalam masa 2-3 minggu.
  4. Berita baik: Blacklist CTOS bawah 22k boleh lulus.
  5. Pada masa ini, Koperasi Petronesa dan koperasi yang dana dari Kuwait Finance House KFH melihat kepada rekod CCRIS pemohon dan komitmen lain. Bererti pemohon yang high komitmen harus memohon pinjaman peribadi dari koperasi yang tidak ambilkira komitmen yang tinggi seperti Koperasi Gemilang, RCE dan Kobeta.
  6. Sesuai untuk overlap pinjaman sediada dari bank-bank dan koperasi yang interestnya lebih tinggi dari interest yang ditawarkan oleh Petronesa-Kuwait iaitu 3.99% sahaja.
  7. Tempoh pinjaman 20 tahun. (Berkuatkuasa pada Julai 2013, had tempoh pinjaman peribadi bagi semua permohonan Petronesa Kuwait telah dipendekkan menjadi 10 tahun seperti arahan Bank Negara Malaysia)
  8. Max pinjaman RM200k.
  9. Payout 89% tolak yuran Rm10 (semenanjung Malaysia) & 88.5% payout untuk Sabah dan Sarawak.
  10. Kakitangan AG/DBKL/Majlis/Negeri layak memohon tapi bukan berstatus IMG. Yang berstatus Pra boleh mohon.
  11. Sila sertakan muka depan buku bank Maybank kerana bank panel Koperasi Petronesa adalah dari Maybank. Jadi selepas pinjaman lulus, pihak koperasi akan memasukkan duit (bank-in) pada hari berikutnya (current practice) dan pemohon akan dapat duit keesokan harinya. Jika menggunakan buku bank selain Maybank maka proses 3-5 hari bekerja untuk clear cheque.
  12. Boleh overlap pinjaman Coshare dan Ikhtiar Destinasi (IDSB). Sekiranya tidak mahu overlap pinjaman sediada Coshare dan IDSB, jumlah pembiayaan dengan Petronesa Kuwait yang dibenarkan adalah baki dari perbezaan jumlah maksima (Rm200k) dengan jumlah hutang Coshare dan Ikhtiar Destinasi.
  13. Sila klik untuk jadual pembayaran Petronesa Kuwait Finance 3.99%

Petronesa 4.99% (under HDM Capital)-(Ditutup buat masa ini)

Demikian setelah dana/fund usahasama Kuwait Finance Bank telah tamat, maka Koperasi Petronesa telah meluncurkan interest 4.99%.

  1. Kadar interest 4.99% setahun (kadar rata).
  2. Kadar payout 89% nett- yuran RM10.
  3. Kelulusan 14-20 hari bekerja. Pemohon digalakkan untuk sertakan salinan muka depan buku bank Maybank kerana Maybank adalah bank panel koperasi. Sekiranya akad dilakukan pada hari ini, kebiasaannya Petronesa akan bank-in pada keesokan harinya dan pemohon akan dapat duit sehari selepas itu. Sekiranya disertakan salinan muka depan dari bank yang lain, maka proses untuk clear cheque akan mengambil masa antara 3-5 hari bekerja. (Berkuatkuasa pada Julai 2013, had tempoh pinjaman peribadi bagi semua permohonan Petronesa Kuwait telah dipendekkan menjadi 10 tahun seperti arahan Bank Negara Malaysia)

Petronesa 5.99% (under HDM Capital) - ditutup sementara waktu

Harap maaf tiada lagi pakej 3.99%. Akan dimaklumkan jika ada.

  1. Kadar interest 5.99% setahun (kadar rata).
  2. Kadar payout 89%- yuran RM10.
  3. Kelulusan express 5-10 hari dapat duit.
  4. 20 tahun pinjaman dan sehingga RM200k pembiayaan.
  5. Blacklist CTOS/CCRIS layak memohon (kurang RM25k).
  6. Jika selain dari yang di atas (syarikat GLC dll) interest adalah 6.99%.
  7. Sila klik untuk jadual pembayaran Petronesa HDM 5.99%

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Call/SMS/Whatsapp: 019-2983056 (Berikan Nama, No.IC, Jabatan & Lokasi, no telefon pejabat, no handphone (sekiranya no berlainan dengan no whatsapp), Tetap/Kontrak, Gaji Pokok, Elaun Tetap dan Jumlah Potongan pada Slipgaji), FaceBook/E-mel: hashimbank@gmail.com.


Introduction to Petronesa HDM Capital Personal Loans

Petronesa Cooperative based in Sarawak and now has its headquarters in Kuala Lumpur. Best deals for applicants who wish to apply quickly without a long wait as other cooperatives. Open to permanent civil servants and police only.

Petronesa 7.99% (under HDM Capital)

Criteria for Petronesa Cooperative personal loan with interest rate 7.99% as follows: -

  1. Open to government employees only.
  2. Latest Interest 7.99%.
  3. Payout 80% less RM50 fees deduction.
  4. Max loans up Rm200,000.
  5. Fast processing period of 1-2 weeks. (Effective July 2013, the loan tenure for all applications Petronesa Cooperative has been shortened to 10 years as directions from Bank Negara Malaysia).
  6. Cooperative monthly fee of RM20.
  7. CTOS below RM25k accepted. If more than RM25k need to settle all or settle arrears (subject to the approval of the bank who wore CTOS).
  8. For customers in Sabah and Sarawak are not accepted.

Petronesa 9.99% (under HDM Capital)

While the profit rate of 9.99% was offered to the applicant with the conditions as below: -

  1. Open to government employees only.
  2. Latest Interest 9.99%.
  3. Payout 80% less RM50 fees deduction.
  4. Max loans up Rm200,000.
  5. 1-2 week processing period. (Effective July 2013, the loan tenure for all applications Petronesa Cooperative has been shortened to 10 years as directions from Bank Negara Malaysia).
  6. Cooperative monthly fee of RM20.
  7. CTOS down RM25k accepted. If more than RM25k need to settle all or settle arrears (subject to the approval of the bank who wore CTOS).
  8. For customers in Sabah and Sarawak are not accepted.

Petronesa 6.49% (under HDM Capital) - (Closed for now)

For this Petronesa personal loan as follows: -

  1. Open to government employees only.
  2. 6.49% flat interest rate.
  3. Payout 89% less Rm25 fees deduction.
  4. Max loans up Rm200,000.
  5. 4 week or more processing period depending on processing department.
  6. Applicants who have CTOS blacklist required to settle all CTOS amounts.

Petronesa-Kuwait 3.99% (under Kuwait Finance House) - (Closed for now)

OMG! Petronesa Kuwait personal financing hottest ever offered by the Petronesa Cooperative. Lowest interest rate of 3.99% .

  1. Must work at least 1 year.
  2. The lowest interest rate is 3.99% pa flat rate.
  3. Approval within 2-3 weeks.
  4. The good news: Blacklist CTOS can pass under 22k.
  5. At this time, the Cooperative Petronesa and cooperative funds of Kuwait Finance House KFH requires to includes checking CCRIS records and other commitments. It;s means that applicants with high personal loan commitment will not consider. You can apply other cooperative such as Cooperative Gemilang, RCE etc.
  6. Suitable for overlap existing loans from banks and cooperative offered higher interest rate compare to Petronesa-Kuwait only 3.99%.
  7. Loan period of 20 years. (Effective July 2013, the loan tenure for all applications Petronesa Cooperative has been shortened to 10 years as directions from Bank Negara Malaysia).
  8. Max loan amount RM200k.
  9. Payout 89% less RM10 fees(Peninsular Malaysia) and 88.5% payout for Sabah and Sarawak.
  10. Staff AG / City Hall / Council / State eligible to apply but not the status of IMG. Pre status may apply.
  11. Please include a cover page book Maybank bank because Petronesa Cooperative bank panel is from Maybank. So after the loan is approved, the cooperative will be credited money (bank-in) on the next day (current practice) and the applicant will get the money on the next day. If using other bank than Maybank, the process takes about 3-5 working days to clear cheque.
  12. Can overlap existing Coshare and Ikhtiar Destinasi loans (IDSB). If you do not want to overlap the existing Coshare and IDSB loan, the funding amount authorized by Petronesa Kuwait is the maximum amount of the balance of the difference (Rm200k) with total debt Coshare and Ikhtiar Destinasi (IDSB).
  13. Please click on the payment schedule Petronesa Kuwait Finance 3.99%

Petronesa 4.99% (under HDM Capital) - (Closed for now)

Thus after the fund / fund Kuwait Finance Bank joint venture has expired, the Cooperative Petronesa has launched a 4.99% interest.

  1. Interest rate of 4.99% per annum (average rate).
  2. 89% payout rate nett- RM10 fee.
  3. Approval: 14-20 working days. Applicants are encouraged to enclose a Maybank copy of the front page as Maybank is a Petronesa's bank panel. For example, if the contract is performed on this day, usually Petronesa will bank-in the next day and applicants will receive the money the following day. If the included copy of the front page of another bank, then the process to clear checks will take between 3-5 working days.(Effective July 2013, the loan tenure for all applications Petronesa Cooperative has been shortened to 10 years as directions from Bank Negara Malaysia).

Petronesa 5.99% (under HDM Capital) - closed temporarily

Sorry, there are no package for 3.99%. Will be notified if any. Currently, the latest product criterias from Petronesa Cooperative as follows:

  1. Interest rate of 5.99% per annum (average rate).
  2. Payout rate of 89% - RM10 fee.
  3. Express approval of 5-10 days.
  4. 20 years and up RM200k loan financing.
  5. Blacklist CTOS / CCRIS apply (below RM25k CTOS/ CCRIS).
  6. If Apart from the above (GLC etc.) interest is 6.99%.
  7. Please click on the payment schedule Petronesa HDM 5.99%

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Call / SMS / Whatsapp: 019-2983056 (Give name, No.IC, Departments & Locations, office telephone number, mobile phone number(if no different with WhatsApp number), Permanent / Contract, Basic Salary, Fixed Allowances and Total Deductions on latest payslip), FaceBook / E-mail: hashimbank@gmail.com.