Commercial / Corporation

Credit

Commercial / Corporation

Credit facilities to further develop business performance in the future, including working capital loans and investment loans. Investment credit can be used to finance infrastructure development, hotel construction, factory construction and others. Working Capital Loans can be used to finance the trade in consumer goods (Costomer Goods), construction of simple / medium housing, finance companies, and others.

Terms for Commercial/Corporate Credit

  • Types of Products in Commercial / Corporate Loans include:
    1. KMK - PRK
    2. KMK - Demand Loan
    3. KMK - installments
    4. Investment Credit
  • The amount of credit limit starts > Rp. 5,000,000,000 up to the maximum limit on the Bank's internal credit.
  • The term of the KMK PRK / DL facility is 1 year or 1-5 years for the KMK-Installment facility, while the KI facility can be for a period of 1-10 years.
  • Bank financing is a maximum of 80% of the financing needs.
  • Competitive interest rates in accordance with developments in the financial markets.
  • IDEB SLIK examination results are passed.
  • Guarantees include:
    1. Land/Building (Fixed Asset).
    2. Deposits (Cash Collateral).
    3. Other guarantees that can be received by the Bank.
  • Costs include:
    1. Provision Fee.
    2. Administration Fee.
    3. Other costs such as: Notary and Insurance.
  • Documents that must be completed include:
    1. Photocopy of Company Deed.
    2. Photocopy of NPWP.
    3. Photocopy of business permit and other supporting documents required by the Bank.
    4. Audited financial statements for companies with total assets or total revenues ≥ 50 billion.
  • The business went well at least in the last 2 years.
  • Have an adequate operating profit and net profit.