Credit facilities which is provided to Individual Debtors to meet consumer needs other than KPR (Home Ownership Loans) and KPK (Vehicle Ownership Loans) that meet Bank requirements, which cannot be financed with other consumer credit products.
Features and Advantages
Amount of Loan :Rp. 500 Million- Rp. 10 billion
Period : 15 years (depending on the type of collateral)
Competitive interest rates
Indonesian nationals (for individual borrowers)
Permanent employees (minimum working period of 2 years, or work experience in the previous place 2 years).
Self-employed (at least 2 years running).
Professional (minimum 2 years of practice).
Minimum age 21 years old and maximum age 65 years old at credit’s due date (for individual borrowers)
Complete the identity document and savings account for at least 3 (three) months
Collateral in the form of fixed assets
Debt service ratio, a maximum of 60% of the prospective debtors income (income tiering)