||Mega GUNA (Multi Purpose Loans)
Product Features :
- Product Benefits :
- Bank loan facility to facilitate debtor candidate for consumption purposes. For example, the purchase of electronic equipment, the purchase of a motorcycle, the cost of education, weddings and for other purposes that can not be financed with car loan facility, mortgage and KPPR.
- Currency : IDR
- Lending Rate :
- Effective in arrear interest rates, the fixed rate for the first 3 months and periodic rate there after.
- The first installment is paid no later than one month after the credit agreement.
- The amount of the annuity interest rate is calculated and set by the Board of Directors.
- Period : Applied 1 - 5 years(if needed)
- Credit limit : 15 mio IDR - 100 mio IDR
- Maximum Loan-to-Value Ratio (LTV) : 60 % of assessed value, car or house assurance.
- Debt service ratio, maximum 35% of candidate earnings(or joint income).
- Permanent employee (minimum of 2 years, or 2 years experience in prior company).
- Self-employed (min 2 years ongoing).
- Profesional (min 2 years of practice).
- At least 21 years old and maximum 55 years old at the due of credit , whereas for entrepreneurs and professionals maximum age of 60 years at the due of credit.
- For home as assurance, at the due credit HGB must valid for at least 2 years.
- For the car as assurance , the due credit is the age of the car plus maximum credit period(11 years).