Kredit Investasi

Enjoy a funding facility that You can use to fund your business investment needs with a long term loan commitment (more than 1 year).

Commonwealth Bank Investment Loan Product is available in form of Term Loan

Term Loan is loan facility granted by the Bank to the customer where the maximum loan tenor is 8 (eight) years and non-revolving whereas the loan’s limit that has been withdrawn may not be re-drawn repeatedly, even though the payment has been made – unlike overdraft.

Product Feature

CurrencyIDR/USD/SGD
Credit LimitUp to 20 Bio Rupiah
Collateral TypeHouse, apartment, shop-house, warehouse, factory, land, deposit, SBLC
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Benefit

Installment tenor up to 8 years
Refinancing
Purchase of asset to support business

Short Summary:

Loan Purpose : Investment to fulfill the needs of fixed assets
Loan Tenor  : Maximum 8 years
Principal Payment  : Monthly
Interest Payment  : Monthly
Credit Type  : Non-revolving (unable to be re-drawn repeatedly)

Loan Simulation

Simulasi Pinjaman

Customer General Requirements

INDIVIDUALBUSINESS
Debtor Indonesian Citizen (WNI)Foreign Owned Company (PMA)
Domestic Owned Company (PMDN)
Age Minimum : 21 years
Maximum : 65 years
N/A
DomicileRuns a business where Commonwealth Bank having branches
Sales Minimum Rp300 Million per year
Length of Business≥2 years

Document Requirements

IndividualPTCV
IDENTITY
Copy of Debtor & Husband / Wife’s KTP
Copy of Marriage Certificate/ Akta Nikah (If Married)
Copy of Family Certificate/ Kartu Keluarga
Copy of NPWP (Tax File Number)
Copy of SIUP (Business License)
Copy of TDP (Company Registration)
Copy of Akta Pendirian (Deed of Establishment)
Copy of Anggaran Dasar (Articles of Association)
Copy of Anggaran Perubahan (amendment of Articles of Association)
FINANCIALS
Bank Account
Financial Report
COLLATERAL
Copy of Sertifikat Tanah (Land Certificate)
Copy of IMB (Building Permit)
Copy of last year’s PBB SPPT and STTS (Land & Building Tax)

Submission Procedure

Fees and Charges

Credit Facility Fees 1% dari loan limit (one-off fee)
Administration Fee 0.1% from loan limit, minimum Rp.500.000,- and maximum Rp. 2.000.000,- (or equivalent for all accepted foreign currency) one –off fee.
Overcharge Fee or Late Payment FeeRupiah = 3% per month
USD or any other accepted currency = 2% per month
Early Payment Fee2% from outstanding
Partial Payment Fee 2% from settled payment
Take Over Penalty Fee 2% from oustanding

Below is the list of fire insurance company that having cooperation with PT.Bank Commonwealth:

No.Fire Insurance
1.PT. Asuransi MSIG Indonesia
2.PT. Asuransi Allianz Utama Indonesia
3.PT. Asuransi Sompo Japan Nipponkoa Indonesia
4.PT. Asuransi Dayin Mitra

Risk

Interest Rate Risk
Loan interest rate may be adjusted from time to time; The Bank will provide 30 days notification prior to the interest rate adjustment.

Currency Exchange Risk
The fluctuation of currency exchange rate value may cause a change towards loan in foreign currency, therefore the Bank has to conduct conversion of such loan to Rupiah with prior notification regarding the conversion to the client.