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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 | ||
| 1. | Flexible loan adjusted with the demand and necessity of the customer | |
| 2. | Competitive interest rate | |
| 3. | Provision fees shall only be charged when the available loan facility is used by the Customer | |
| 4. | Loan disbursement as required by the customer can only be made after prior notification to the Bank | |
| 5. | Loan repayment can be made at any time within the loan term | |
| Requirements and Documents (Individual Debtor) | ||
| 1. | Indonesian citizen | |
| 2. | ID of Debtor / Husband / Wife / Guarantor and valid ID of Spouse of Guarantor | |
| 3. | Not in the Black List and the List of Bad Debts | |
| 4. | NPWP, SIUP, and TDP | |
| 5. | Family card and birth certificate | |
| 6. | Current account for the last 3 months (if already owned) | |
| 7. | Marriage Certificate (If married in Civil Registry / KUA) | |
| 8. | Last child's birth certificate (If it’s unregistered marriage) | |
| 9. | Letter of Name Change (For those who have changed their names) | |
| 10. | Divorce Certificate and Asset Distribution Agreement (For those who are divorced) | |
| Requirements and Documents (Company Debtor) | ||
| 1. | Company / Legal entity in question has been approved by the Ministry of Justice | |
| 2. | A valid identity card from the authorized management | |
| 3. | Not in the Black List and the List of Bad Debts | |
| 4. | NPWP, SIUP, and TDP | |
| 5. | 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 | |
| 6. | Financial statements | |
| 7. | Current account for the last 3 months (if already owned) | |
| 8. | Data of administrators | |
| 9. | Data of shareholders | |
| 10. | Certificate of domicile | |
| 11. | 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 |
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| 2. |
Kiosk : - SIPTU (Permit to Use Business Premises) - Kiosk Block Statement from the Local General Trade Market - Insurance policy |
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| 3. |
Deposits : - Deposit Bilyet and its extension - Power of Attorney for the Disbursement of Deposit |
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| 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) |
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