Investment Loan

Investment Loan

Credit Investment is a credit facility provided to (applicant) borrowers, both individuals and companies to finance capital goods for the rehabilitation, modernization, expansion, the establishment of new projects or refinancing, for example the purchase of machinery, buildings and land for factories and other, with the repayment comes from businesses with financed capital goods. The investment of the credit period is usually more than 1 (one) year.

The advantages of Investment Loan

  • Disbursements can be made at any time in accordance with the needs of business
  • Can be given to individual or corporate debtors
  • Available in rupiah or foreign currency
  • The interest rate varies according to the size of credit limit
  • Credit can be given as revolving and non-revolving

Regulations of Investment Loan

  • Interest calculated annuity or sliding
  • Maximum Bank financing tailored to the needs and financial evaluation of the results of the business.
  • Fees charged to the borrower are provision fees, insurance fees, notary fees and stamp duty fee in accordance with Bank.
  • Loan type consists of:
    • Revolving Credit (RC)
      • Undrawn plafon loan were not given interest
      • Can be paid in installments or all at once at the time of loan maturity date
      • Accelerated Repayment is not subject to penalty
      • The maximum loan period of 1 year and may be extended.
    • Non Revolving Credit
      • The number of installments is permanent
      • Accelerated repayment is not subject to penalty

Requirements of Investment Loan

Individual

  • Delivering a written credit application to the Bank.
  • Attach a copy of KTM/SIM, KK and Photo (Husband & Wife).
  • Attach a copy of the business license-permit
  • Attach the Financial Report (Balance Sheet and Profit/Loss)
  • Attach a copy of the ownership of the investment object (SHM / SHGB / BPKP / Invoice)
  • Attach a price offer of investment goods
  • The main collateral (business-funded) and additional collateral (Copy of certificate of land / BPKP / Invoice / IMB)
  • Attach a copy of additional collateral (if necessary)

Company

  • Delivering a written credit application to the Bank.
  • Attach a copy of the entire Board of Directors and Commissioners
  • Attach a copy of Akta Pendirian and its amendments
  • Attach a copy of the business license-permit (NPWP, SITU, SIUP, TDP, GAPENSI membership indication and/or KADIN)
  • Attach financial report and cash flow projections
  • Attach a copy of the ownership of the investment object (SHM / SHGB / BPKB / Invoice)
  • Attach the price offer of investment goods
  • The main collateral (funded-business) and additional collateral (Copy of land certificate / BPKP / Invoice / IMB).
  • Attach a copy of additional collateral (if necessary)

Interest Rate

Loan CellingInterest RateType RateCalculation Method
< IDR. 10 Billion15,00 %FloatingAnuitas / Sliding
IDR. 10 Billion up to < IDR. 25 Billion14,00 %FloatingAnuitas / Sliding
IDR. 25 Billion up to < IDR. 50 Billion13,50 %FloatingAnuitas / Sliding
IDR. 50 Billion up to Legal Lending Limit12,50 %FloatingAnuitas / Sliding