Investation Loans

The loans earmarked for financing investment, good new investment, the expansion of moderenisasi or rehabilitation.

The period: facility was based on cashflow with regard to the age of economic and technical aspects of projects with the provisions are more than 10 ( ten ) in including grace period .

Uses facilities:

  • Purchase the production.
  • Purchase vehicles.
  • The hospital.
  • The hotel.
  • The education development infrastructure.

Maximum maximum credit:

  • Bank financing 70 % and self financing ( sf ) 30 %

Excellence:

  • The process easy and quick with active marketing pick up the ball .
  • Competitive Lending rate .

Requirements and provisions:

No

Description

Requirements and provosions

1

Product

Investation Loans

2

Criteria debtor requirements

  1. The applicant business is a legal entities and non the body of laws and individuals have domicile within the territory of the republic of indonesia specified in articles of association and / or change .
  2. For example: enterprises non legal entity as cv , firms , and fa nv supplicants and / or steward and inspector has experience in the field of business ( based on regulation ) .
  3. The minimum age for the individual debtor at least 21 years or had married .
  4. Not included in black list issued by bank indonesia .
  5. Not having loan defaults .

3

Requirements and provisions documents

  1. The credit legal entity enterprises:
    • Request loans from the applicant / the committee / power.Deed of establishment company certificate s.d past changes.
    • Endorsements from ministry of law and human rights / cooperative and smes ministry ( in the applicant ) cooperative.
    • The structure of the organization.
    • Photocopy of id card and lifetimes the and inspector the company and shareholders.Npwp the company.
    • The company photo.The company group ( if there are ).
    • Business licensing as tdp / licences / there.
    • Npwp.
    • Permit ( appropriate other businesses ).
  2. The venture credit non legal entity: R
    • Request loans from the applicant / the committee / power.
    • Deed of establishment company certificate s.d past changes.
    • The structure of the organization.
    • Photocopy of id card and lifetimes the and inspector the company and shareholders.
    • Npwp the company.
    • The company photo.
    • The company group ( if there are ).
    • Business licensing as tdp / licences / there.
    • Npwp.
    • Permit ( appropriate other businesses ).
  3. Individuals:
    • A request credit from the applicant.
    • Photocopy of id card the applicant and husband / wife.
    • A copy of family card.
    • Photos and vitae an applicant who shows that concerned was versed in the field of business at least three years.
    • A copy of tin.
    • Business licensing at least skdu / siup.

4

Requirements and the financial data

  1. Financial statements 2 ( two ) years or financial statements opening if the company has been less than 1 ( one ) year.
  2. To petition credit & gt; Rp.10 billion and financial statements must audited by public accountant who have been registered accompanied report.
  3. Copy accounts 3 ( ) three months.
  4. Details the budget ( rab ).
  5. Projection cash flow.
  6. Specifically filing above rp.25 billion must supplied with feasibility study ( fs ).
  7. The collateral are obliged to use kjpp partners bank.

5

Maximal Loans Plafond

  1. To set aside a maximum 70 % of the total value of investment .
  2. To personal financial source / individual so they can be a maximum of rp .500 million .
  3. A debtor a business entity and in accordance bmpk

6

A period of loans

120 the maximum / 10 years , including grace period

7

Lending Rate

Accordance

8

Loans Cost

  1. Notary .
  2. Administration ( corresponding)
  3. Provision ( corresponding the)

9

Setting withdrawal loans

In accordance cashflow or in accordance with achievement project

10

Pattern credit repayments

Instalments (principal + lending rate)

11

Tying credit

Notarized

12

A kind of collateral

Land and Buildings

13

Value of Collateral

135%