Kredit Investasi (KIN)

DESCRIPTION

​​Kredit Investasi (KIN) is a medium / long term loan facility to help finance the investment or purchase of fixed assets. Withdrawal of funds cannot be done repeatedly even though the outstanding loan payments have been made.

 

BENEFITS

  • Structured Loan facilities to finance investment needs.

  • There is a grace period and availability period.

  • Refinancing

  • Purchase assets to support the business

 

TIME PERIOD

Loan Term/tenure is up to 10 years

 

GENERAL TERMS

  • Individual or Business Entity

  • The business has been operating at least 2 years for small or medium-sized enterprise and 3 years for corporation

 

FEES

  • Bank provision fee is 1% of the credit limit

  • Fee for full repayment before maturity is 2% of loan amount /plafond (or in accordance with applicable regulations)

  • Administration fee

  • Notary Fee

  • Insurance Fee

  • KJPP fee if the credit is more than 5 billion

  • Loan Amount more than 5 billion, Independent Appraisal is required

  

RISKS

  • If the interest payment is late, then it will affect the customer's credit quality recorded at Bank Indonesia and will be subject to a fine.

  • There is a possible risk of interest rate increase following the applicable market mechanism in accordance with Bank regulations.

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