Types of products :
Credit Overdraft. If a debit balance loan in your account, this loan will automatically cover the deficiency in your account balance. This loan is provided with a maximum term of 1 (one) year.
Rupiah credit. Is a credit facility provided in the rupiah currency?
Forex Credit. Is a credit facility provided in foreign currency?
Rupiah Credit or Export Foreign Currency. Is a credit facility provided for export activities?
- Benefits and Risks
Benefits
As a facility to increase capital and develop customer business activities.
As a facility to maintain the customer's financial condition.
As the capital for customer business expansion.
As a tool to maintain customer liquidity.
Risk
Floating interest rates/interest rates are not set and fluctuate according to market interest.
- Terms and Procedures for Using Bank Facilities and Products
The requirements for getting a credit facility are:
Become our customer first.
Apply for a loan by attaching:
Company Establishment Deed and Amendments
Articles of Association and Amendments
Company profile
Copy of Identity of Company Management
Tax ID number
Certificate of Company Registration.
Business Registration Certificate.
Audit Financial Report for the last 3 (three) years.
- Costs
Provision. Is a fee charged on the loan facility? The amount of the provider fee charged is determined by negotiation.
Provision Calculation
Provision = Facility Value x Provision x Term / 12 months
The amount of the provision is determined at the time of obtaining the loan facility and its extension.
- Interest Calculation
Flower. The loan interest is calculated daily from the amount of facility usage.
Interest Calculation
Interest = Usage x Interest Rate x Period / 360 days
The loan interest rate varies according to market conditions.
- Duration
Short Term Credit. Is a loan with a payment term of less than one year.
Medium-Term Credit. Are loans with payment terms of more than one year and less than three years.
Long Term Credit. Is a loan with a payment term of more than three years.