Demand Loan
Demand Loan is a type of loan with multiple advance withdrawal which can be withdraw according to the customer's needs and signed with acceptance.
Advantages
- Flexible loan adjusted with the demand and necessity of the customer
- 2Competitive interest rate
- Provision fees shall only be charged when the available loan facility is used by the Customer
- 4Loan disbursement as required by the customer can only be made after prior notification to the Bank
- Loan repayment can be made at any time within the loan term
Requirements and Documents (Individual Debtor)
- Indonesian citizen
- ID of Debtor / Husband / Wife / Guarantor and valid ID of Spouse of Guarantor
- Not in the Black List and the List of Bad Debts
- NPWP, SIUP, and TDP
- Family card and birth certificate
- Current account for the last 3 months (if already owned)
- Marriage Certificate (If married in Civil Registry / KUA)
- Last child's birth certificate (If it’s unregistered marriage)
- Letter of Name Change (For those who have changed their names)
- Divorce Certificate and Asset Distribution Agreement (For those who are divorced)
Requirements and Documents (Company Debtor)
- Company / Legal entity in question has been approved by the Ministry of Justice
- A valid identity card from the authorized management
- Not in the Black List and the List of Bad Debts
- NPWP, SIUP, and TDP
- Deed of Establishment (must be in accordance with Law No. 40 of 2007) and Articles of Association up to the last revision, and the announcement in the State Gazette
- Financial statements
- 7Current account for the last 3 months (if already owned)
- Data of administrators
- Data of shareholders
- Certificate of domicile
- Disorder Act (If the company is engaged in manufacturing)
Warranty :
1. Land and Building :
- Certificates (SHM and HGB)
- Deed of Sale and Purchase (AJB)
- Building Permit (IMB) and Photo of the Situation and Evidence of Building Implementation
- Pictures of Building Plan (Blue Print) and a copy of the latest Land
- The latest Building Tax (PBB) along with the copy of STTS (Deposit Receipt)
- Insurance policy
2. Kiosk :
- SIPTU (Permit to Use Business Premises)
- Kiosk Block Statement from the Local General Trade Market
- Insurance policy
3. Deposits :
- Deposit Bilyet and its extension
- Power of Attorney for the Disbursement of Deposit
4. Cars :
- BPKB (Proof of Ownership of Motor Vehicles)
- Invoice
- Certificate of NIK (Vehicle Identification Number)
- 3 Blank Sheet Receipt + 1 piece seal
- Friction of the frame and engine numbers
- Insurance policy
- Blocking Statement of the BPKB from Polda Metro Jaya
- Statement of the Show Room to review the BPKB if it has been completed (for a review of the new BPKB car)
- Vehicle Order documents (for a review of new cars)