Investment Credit

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Investment Credit is intended for the purchase of capital goods and services needed for rehabilitation, modernization, expansion, business relocation, and/or establishing a new business.

 

Requirements:

1. Fill out the credit application form.
2. Fill out a statement of consent for debtor information search (SLIK).
3. Complete the application with the following documents:
    1. Photocopy of personal ID card (KTP).
    2. Photocopy of spouse's ID card (if married).
    3. Photocopy of guarantor's ID card (if applicable).
    4. Photocopy of family card (Kartu Keluarga).
    5. Photocopy of marriage certificate (if married).
    6. Photocopy of collateral:
        1. Land (photocopy of Certificate of Land Ownership (SHM) and the latest Property Tax Payment Receipt (SPPT)).
        2. Motor vehicle (photocopy of Vehicle Ownership Certificate (BPKB), valid Vehicle Registration Certificate (STNK), and Engine Chassis number rubbing).
    7. Photocopy of SIUP TDP, NPWP, Business Certificate (if applicable).
    8. Budget plan (Rencana Anggaran Biaya - RAB).
    9. Photocopy of salary slips or bank statements from other banks for the last 6 months.
    10. Financial transactions for the business carried out in the last 3 months.

 

Terms:

1. Loan tenure:
    1. Installment: Maximum 60 months.
    2. Regular: Maximum 12 months.
    3. KPR (Mortgage): Maximum 96 months.
2. Interest Rates:
    1. Installment:
        1. Sliding (decreasing): 19.8% - 27% per annum.
        2. Annuity: 19.8% - 27% per annum.
        3. Flat: 13.20% per annum.
    2. Regular: 24.00% - 30.00% per annum.
    3. Back to Back:
        1. Nusamba Savings & Deposits: +5 from the interest rate.
        2. Super Plus Deposit: +10 from the interest rate.
3. Administrative fees and credit provisions are subject to the bank's regulations. 
4. Collateral includes BPKB, SHM, Savings, and/or Deposits. 
5. Debtor life insurance and Tabungan Siwana (Saving Account) are mandatory. 
6. Credit binding and collateral are based on the ceiling.

 

Apply for Investment Credit now and achieve outstanding results for the future of your business. Click the button below.