Benefits Kredit Express
Flexible installment
12, 24 and 36 months
Credit Limit
Up to Rp300 Million
Competitive Interest rate
Competitive Interest rate 0.75% flat per month
Submission Process
Quick with easy requirements
No Collateral Required
Solution to bring dream comes true.
General requirements
- Indonesian Citizen (WNI)
- The minimum age limit is 21 years or already married
- Permanent employee / professional/self-employed
- Max age limit. 55 years for employees
- Max age limit. 60 years for professional/self-employed
Document Requirements
- Copy of Applicant's ID card
- Copy of Husband / Wife ID card
- Copy of Family Card
- Photocopy of Marriage Certificate / Divorce Certificate / Separation of Assets
- Photocopy of NPWP/SPT PPh2
- Financial Data and/or Current Account/Savings for the last 3 months
- Salary Slip and Original Work Certificate from the company
- Photocopy of Guarantee Documents ( Certificate -AJB-IMB & PBB)*
Note:
*For credit card owners
**For loan applications above IDR 49 million
| Fee Detail | Description |
|---|---|
| Provision Fee | 3% of approved loan |
| Administration Fee | IDR50.000 per year (2nd and 3rd years) |
| Late penalty | 6% of the amount in arrears |
| Early Repayment Penalty | 7% of the remaining principal debt |
| Withdrawal Method | Through PaninBank savings/current account |
| Payment Method | Automatic debit (auto debit) via PaninBank savings/current account |
General requirements
- Indonesian Citizen (WNI)
- Minimum age limit. 21 years old or already married
- Permanent employee / professional/self-employed
- Max age limit 55 years for employees and max. 60 years for professional/self-employed
- Net income min. IDR 5 million/month for employees and IDR 10 million/month for entrepreneurs / professionals
Document Requirements
- Copy of Applicant's ID card
- Photocopy of the front page of the passbook
- Bank account for the last 3 months
- SIUP/SITU and company establishment deed
- Photocopy of credit card*
- Copy of last 1-month bill*
- Copy of NPWP**
Note:
*For credit card owners
**For loan applications above IDR 49 million
General requirements
- Indonesian Citizen (WNI)
- Minimum age limit. 21 years old or already married
- Permanent employee / professional / self-employed
- Max age limit 55 years for employees and max.60 years for professionals / entrepreneurs
- Net income min. Rp5 million/month for employees and Rp10 million/month for entrepreneurs/professionals
Document Requirements
- Copy of Applicant's ID card
- Photocopy of the front page of the passbook
- Bank account for the last 3 months
- Practice license
- Photocopy of credit card*
- Copy of last 1 month bill*
- Copy of NPWP**
Note:
*For credit card owners
**For loan applications above IDR 49 million
| Loan Term (Months) | Interest Fee (Flat/Month) |
|---|---|
| 12 | 0,75%* |
| 24 | 0,75%* |
| 36 | 0,75%* |
*Interest rate valid until 31 Desember 2024.
