Loans

Motorcycle Loan 

A loan facility to accommodate your desire on owning a motorcycle / motorcycles (limited to selected brands, Honda and Yamaha)
Terms:
  • Financing 75% of the on-the-road (OTR) price
  • Interest rate 11.52% per-annum
  • Monthly installment for principal and interest
  • Proportional -provision-fee 0.5% per- annum; administration-fee 0.5%
  • Terms up to 3 years
  • The purchased vehicle is treated as a collateral
Conditions:
  • Photocopy of applicant’s ID (KTP) and applicant’s spouse ID (KTP)
  • Photocopy of Family Card (KK) and Marriage Certificate
  • Official Salary Statement for government or private employees


Hajj  Loan

A loan facility to fulfill your Hajj pilgrimage dream (registration fund for a Hajj’s quota) 
Terms:

  • Loan value up to IDR 22,500,000
  • Bisaroh-fee 10% per-annum
  • Monthly installment for principal and Bisaroh-fee
  • Terms up to 5 years
  • Free of provision and administration fees

Conditions:

  • Photocopy of applicant’s ID (KTP) and applicant’s spouse ID (KTP)
  • Photocopy o Family Card (KK) and Marriage Certificate
  • Official Salary Statement for government or private employees


Installment Loan

This loan facilitates your investment as well as your business expansion needs with a term up to 48 months
Terms:

  • Monthly installment for principal and interest
  • Interest rate 11.52% per annum or 0.96% per month
  • Proportional -provision-fee 0.5% per- annum;  administration-fee 0.5%  
  • Land and vehicles are treated as a collateral

Conditions:

  • Photocopy of applicant’s ID (KTP) and applicant’s spouse ID (KTP)
  • Photocopy of Family Card (KK) and Marriage Certificate
  • Photocopy of Land Certificate or motor vehicle owner certificate (BPKB). The original documents of Land Certificate or BPKB will be handed-over when the loan’s realization is started
  • Photocopy of Land and Building Tax (PBB) and its annual tax receipt (STTS) (for land); A carbon copy of rubbed-engine-number and body-number trough SAMSAT’s help (for vehicles)
  • Photocopy of Trade License (SIUP), Company Registration Certificate (TDP), and Disturbance License (Hinder Ordonnantie, HO)


Incidental Loan 

A short-term loan for your emergency working capital needs
Terms:
  • 3 months term
  • Interest rate 21% per-annum
  • Provision-fee 0.25%
  • Land and vehicles are treated as a collateral
Conditions:
  • Photocopy of applicant’s ID (KTP) and applicant’s spouse ID (KTP)
  • Photocopy of Family Card (KK) and Marriage Certificate
  • Photocopy of Land Certificate or motor vehicle owner certificate (BPKB). The original documents of Land Certificate or BPKB will be handed-over when the loan’s realization is started
  • Photocopy of Land and Building Tax (PBB) and its annual tax receipt (STTS) (for land); A carbon copy of rubbed-engine-number and body-number trough SAMSAT’s help (for vehicles)
  • Photocopy of Trade License (SIUP), Company Registration Certificate (TDP), and Disturbance License (Hinder Ordonnantie, HO)  
  • Photocopy of Land and Building Tax (PBB) and its annual tax receipt (STTS) (for land); A carbon copy of rubbed-engine-number and body-number trough SAMSAT’s help (for vehicles)
  • Photocopy of Trade License (SIUP), Company Registration Certificate (TDP), and Disturbance License (Hinder Ordonnantie, HO)

 

Micro and Small Interprises Loan

 


A special loan for micro-small business practitioners who want to expand their investments and businesses

Terms: 
- Loan value up to IDR 30,000,000
- Interest rate 15% per-annum
- Term up to 3 years
- Proportional provision-fee 0.5% per- annum;  administration-fee IDR 50,000
- Land and vehicles are treated as a collateral

Conditions: 
- Photocopy of applicant’s ID (KTP) and applicant’s spouse ID (KTP)
- Photocopy of Family Card (KK) and Marriage Certificate
- Photocopy of Land Certificate or motor vehicle owner certificate (BPKB). The original documents of Land Certificate or BPKB will be handed-over when the loan’s realization is started
- Photocopy of Land and Building Tax (PBB) and its annual tax receipt (STTS) (for land); A carbon copy of rubbed-engine-number and body-number trough SAMSAT’s help (for vehicles)
- Business  Permit from Local Village Office (Kelurahan)


Daily Loan

This is a flexible loan with a ceiling that is adjusted to the outstanding loan balance.  Interest rate is calculated daily based on the usage of the loan. A receipt is applied for every withdrawal

Terms:
- Loan ceiling is attached to the daily saving balance 
- Term up to 12 months; if an agreed ceiling is still needed then the loan can be extended under terms and conditions
- Interest rate 18% per-annum; it is calculated daily using the usage balance 
- Provision-fee 1% per -annum, administration-fee 0.2% per-annum
- Land is treated as a collateral
 
Conditions:
  • Photocopy of applicant’s ID (KTP) and applicant’s spouse ID (KTP)
  • Photocopy of Family Card (KK) and Marriage Certificate
  • Photocopy of Land Certificate or motor vehicle owner certificate (BPKB). The original documents of Land Certificate or BPKB will be handed-over when the loan’s realization is started
  • Photocopy of Land and Building Tax (PBB) and its annual tax receipt (STTS) (for land)  
  • Photocopy of Trade License (SIUP), Company Registration Certificate (TDP), and Disturbance License (Hinder Ordonnantie, HO)


Investa Griya Loan

Loans for the purchase of homes, land, shops and shophouses with a maximum loan term of 8 years.

Terms: 
- Monthly installment for principal and interest 
- ‚ÄčInterest rate 16% per annum effective
- Provision of 1.5% of the loan principal
- Administrative fee Rp.500.000,-
- Land and buildings are treated as a collateral
 
Conditions:
  • Photocopy of applicant’s ID (KTP) and applicant’s spouse ID (KTP)
  • Photocopy of Family Card (KK) and Marriage Certificate
  • IMB (building permit)
  • Photocopy of SIUP, TDP, TIN