Kredit Investasi (KIN)


​​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.



  • Structured Loan facilities to finance investment needs.

  • There is a grace period and availability period.

  • Refinancing

  • Purchase assets to support the business



Loan Term/tenure is up to 10 years



  • Individual or Business Entity

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



  • 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 billions

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



  • 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.