Multipurpose Credit
Multipurpose Credit (KMG) is a credit given by Bank BKE to individual debtors for consumptive purposes based on the fixed income / average debtor and can be accompanied by collateral items (land and buildings / apartments / house / shop house / SOHO)
Features & Benefit :
- Competitive interest rates
- Fast and easy process
- Flexible loan terms up to 10 years
- Dynamic:
Credit intended for to employees are Civil Servants BUMN / BUMD / entrepreneurs , professional
- Flexible:
Direct financing to consumers / the applicant either individually ( direct selling ) or collectively ( indirect selling) with collateral of the home or apartment / shop-house / shop .
Terms & Condition:
- Indonesian citizen living in Indonesia
- Minimum age of 21 and maximum of 55 at the end of the loan term for employees and 65 for professional /self-employees
- Permanent employment and regular income as permanent employee or professional/self-employees, with a minimum period of 1 year employment for employees, and 2 years in business for professional/self-employees
- Required Documents :
| No | Documents | Employee | Professional | Self Employee |
|---|---|---|---|---|
| 1 | Original, fully completed application form | ✔ | ✔ | ✔ |
| 2 | Copy of ID Card of applicant and applicant’s spouse | ✔ | ✔ | ✔ |
| 3 | Copy of marriage/divorce certificate (if married /divorced) | ✔ | ✔ | ✔ |
| 4 | Copy of Family Registration Card | ✔ | ✔ | ✔ |
| 5 | Copies of Bank Statement / savings account statement for the last 3 months | ✔ | ✔ | ✔ |
| 6 | Copy of NPWP (Taxpayer Registration Number) | ✔ | ✔ | ✔ |
| 7 | Most recent pay slip / Declaration of Earnings and letter confirming position/job | ✔ | ||
| 8 | Copy of most recent balance sheet and statement of earnings | ✔ | ✔ | |
| 9 | Copy of company deed of establishment and business licenses | ✔ | ||
| 10 | Copy of professional practice certificate | ✔ | ||
| 11 | Copy of documents proving ownership of collateral: SHM/SHGB, IMB & PBB | ✔ | ✔ | ✔ |