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Mega GUNA (Multi Purpose Loans)

Product Features :

  1. 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.
  2. Currency : IDR
  3. 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.
  4. Period : Applied 1 - 5 years(if needed)
  5. Credit limit : 15 mio IDR - 100 mio IDR

Requirements:

  1. Maximum Loan-to-Value Ratio (LTV) : 60 % of assessed value, car or house assurance.
  2. Debt service ratio, maximum 35% of candidate earnings(or joint income).
  3. Permanent employee (minimum of 2 years, or 2 years experience in prior company).
  4. Self-employed (min 2 years ongoing).
  5. Profesional (min 2 years of practice).
  6. 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.
  7. For home as assurance, at the due credit HGB must valid for at least 2 years.
  8. For the car as assurance , the due credit is the age of the car plus maximum credit period(11 years).
Mega OTO (Car funding credit)

Product features :

  1. Product benefit :
    • Bank loan facility to facilitate the purchase of new and used cars for you (individual customer) and not for commercial purposes (public passenger and goods transport).
  2. Currency : IDR
  3. Interest Rates  :
    • Alternative 1 : Add-on interest rates - in advance (flat), fixed during the term of the loan, the first installment is paid at the time of credit agreement.
    • Alternative 2 : Effective interest rate - in arrear, the fixed rate for the 1st year, then follow the development of a floating interest rate, the first installment is paid no later than one month after the loan agreement.
  4. Time Period : 1 - 5 years max.
  5. Credit limit : Start from Rp. 25 Million to Rp.750 Million.

credit terms :

  1. The type of vehicle that is allowed is the category passenger cars (sedans and non sedan)
  2. Maximum credit (LTV) of 80% of the price on the road (a new car) or at 70% of assessed car value (second car).
  3. Debt service ratio, a maximum of 35% of earnings candidate (or joint income).
  4. Permanent employee (minimum of 2 years, or 2 years experience in prior company).
  5. Self-employed (min 2 years ongoing).
  6. Profesional (min 2 years of practice).
  7. 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.
  8. For the car as assurance , the due credit is the age of the car plus maximum credit period(11 years).
Mega GRIYA (Housing Loan)

Product Features :

  1. Product Benefits :
    • Bank loan facility to facilitate debtor to purchase residential / shop, both new and used, which is located inside or outside the area of ​​real estate (through developers or non-developers).
  2. Currency : IDR
  3. interest rate : Effective in arrear interest rates, the fixed rate for the first year and follow periodic rate there after.
  4. Period : Start from 1 - 5 year(s)
  5. Credit limit : 25 mio IDR - 1 bio IDR.

Requirements :

  1. A maximum of 80% financing of the sales price / value taxation.
  2. Debt service ratio, maximum 35% of debtor candidate earnings(or joint income).
  3. Completing the legality of the document and other documents in accordance with the requirements of the credit process
  4. Permanent employee (minimum of 2 years, or 2 years experience in prior company).
  5. Self-employed (min 2 years ongoing).
  6. Profesional (min 2 years of practice).
  7. 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.
  8. For home as assurance, at the due credit HGB must valid for at least 2 years.

Product Features :

  • Product Benefits :
      • Bank loan facility to facilitate debtor to develop their house, on a vacant land or develop and enhance existing house (renovation) located either inside or outside the area of ​​real estate (through developers or non-developers).
        • Mata uang : Rupiah
        • Interest rate : Effective in arrear interest rates, the fixed rate for the first year and follow periodic rate there after.
        • Period : Start from 1 - 5 year(s).
        • Credit limit : 15 mio IDR - 100 mio IDR.

    Requirements:

    1. Maximum Loan-to-Value Ratio (LTV) : 70% of the assessed value of collateral in the form of a house or car.
    2. Maximum financing 70% of the assessed value of collateral before being renovated (for home renovations).
    3. Debt service ratio, maximum 35% of candidate earnings(or joint income).
    4. Self-employed (min 2 years ongoing).
    5. Profesional (min 2 years of practice).
    6. At least 21 years old and maximum 55 old years at the due of credit , whereas for entrepreneurs and professionals maximum age of 60 years at the due of credit.
    7. For home as assurance, at the due credit HGB must valid for at least 2 years.
  • Mega Highlights
      Curr             Buy            Sell
    USD
    13500
    13800
    EUR
    15755
    16118
    AUD
    10118
    10357
    SGD
    9919
    10147
    JPY
    118.27
    121
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