Investment Loan

Business solution for fixed asset financing

Why Investment Loan?

Flexible & Convenient

Loan installment either in short or medium time period

Trusted Service

Two step loan fund from Bank of Indonesia

Competitive

Competitive interest rate and loan's term

Kredit Investasi

The Advantage Get to Know the Product Need to Know Fee and limit Get the service

Financing various fixed assets with competitive interest rates and terms

Purchasing, constructing and renovating the fixed assets

Solutions for your business that require the purchase, construction and renovation of fixed assets such as commercial properties (warehouses, offices, shop houses, etc.), machinery and vehicles.


Need to Know


  • Tenor/credit period
  • Up to 12 years *)

  • Bank Financing
  • Adjusts to the type of productive assets being financed.

  • Withdrawal
  • Withdrawals can be made in stages or all at once, with/without a grace period

  • Maximum Credit Limit
  • Depending on the type of assets to be financed

  • Repayment
  • BCA debits the borrower’s deposit account under the power of attorney granted by the borrower to BCA

  • Mechanism by which BCA makes the loan
  • BCA credits the funds to the borrower’s account as specified in the credit agreement (all at once/in stages)

    *) Terms and Conditions apply


    Terms and Conditions for Individuals

    • Aged over 17 years or married
    • Indonesian citizen
    • Not having been declared bankrupt nor being in bankruptcy proceedings
    • Swift collectability

    Terms & Conditions for Business Entities

    • Incorporated/established in Indonesia under the Indonesian law
    • Compliance with the borrower’s Articles of Association and the prevailing laws and regulations
    • Not having been declared bankrupt nor being in bankruptcy proceedings
    • Swift collectability

    Documentary Requirements

    • A copy of the Resident Identity Card (KTP)
    • A copy of the Taxpayer Identification Number (NPWP) Card *)
    • A copy of the Family Card
    • A copy of the Spouse's Resident Identity Card (KTP)
    • A copy of the Marriage Certificate
    • A copy of the Certificate of Divorce/Death *)
    • A copy of the Resident Identity Card (KTP) of the members of the Board of Directors and Board Commissioners **)
    • A copy of the Resident Identity Card (KTP) of the Shareholders **)

    • *) Mandatory, if any, for individual borrowers; optional for business entities
      **) Only for business entities

    Documentary Requirements for Collateral

    Required Documents for Collateral in the form of Real Property

    • A copy of the Land Certificate
    • A copy of the KTP and NPWP of the Collateral Owner (If the collateral is registered in the name of another person)
    • A copy of the Building Permit (IMB)
    • A copy of the latest Notice of PBB (Land and Building Tax) Due
    • A copy of the proof of payment of the latest PBB (Land and Building Tax)

    Required Documents for Collateral in the form of Time Deposit

    • A copy of the time deposit placement certificate (bilyet deposito)

    Financial Documents

    • A copy of the Audited Financial Statements *)
    • A copy of the Internal Financial Statements *)
    • A copy of account statements for accounts opened at Other Banks (at least for the last 4 months)

    • *) Madatory, if any

    Fees & Credit Limits

    Fees


    • Facility Fee (Biaya Provisi) / Commission Fee
    • Administrative Fee
    • Loan Interest
    • Penalty for Overdue Loan Payment

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