Regional Employee Loan

Regional Employee Loan

Regional Employee Loan is consumer loans granted to individuals for a variety of personal purposes with the criteria of the debtor that could be funded are:

  • Calon Pegawai Negara Sipil Daerah (CPNSD),
  • Pegawai Negara Sipil Daerah (PNSD),
  • Retired civil servant whose payroll goes through the bank,
  • Vertical civil servants who have had collaboration/MOU with the bank.

Benefits

  • Free to use for consumptive purposes
  • The process is quick and easy as well as lightweight credit terms
  • Competitive interest rate with annuity system (interest decreased)
  • Only form of SK needed for warranty
  • Installment payment facility through autodebet
  • The length of time up to a maximum of 20 years
  • Bankaltimtara network is widespread throughout East Kalimantan dan North Kalimantan

Requirements

  • Fill out a credit application form
  • Photocopy of KTP and photo of husband and wife, KK, NPWP and Buku Nikah, and a copy of Buku Tabungan Simpeda Bankaltimtara
  • List of last month’s payroll
  • Reference letter of having no loan at another bank or a local union
  • Letter of recommendation from the Head of Institutions/Corporate
  • Kartu Tada Pegawai (KARPEG), Kartu Identitas Pegawai (KARIP)
  • Taspen (PNS)
  • Assignation Reference Letter 80%, 100% and last (Rank Promotion Reference Letter)

Regulations

  • Interest calculated in annuities.
  • Maximum Plafond
    • Candidates for Civil Servants (CPNSD) and Regional Civil Servants Maximum Credit Plafond is 50 times the total income with no more than the ceiling of  IDR750.000.000, - (seven hundred fifty million rupiahs)
    • Retired Regional Civil Servants (CPNSD) Maximum Credit Plafond is 50 times the salary of pensioners by not exceeding the ceiling of IDR350.000.000, - (three hundred fifty million rupiahs)
    • The provisions on the ceiling may change according to the decisions set forth in the Board of Directors' Decree / Bank Circular Letter
  • Costs charged to the debtor are Provision Fees, Insurance Fees and stamp duty in accordance with the provisions of the bank
  • Term as follows :
    • Candidates for Civil Servants (CPNSD) and Regional Civil Servants Maximum Credit Period 20 Years and the expiry of credit does not exceed the retirement period.
    • Retired Regional Civil Servant (CPNSD) Maximum 10 Year Credit Period and not exceeding 70 years old.
    • The terms of the period may change according to the decisions set forth in the Board of Directors' / Bank Circular Letter

Interest Rate

NO LOAN FACILITIESINTEREST RATETYPE RATE METHOD OF CALCULATION 
1KREDIT PNSD13,00%FixedAnuitas