Loan Purposes Daily cash flow & unexpected cost
Currency IDR/ USD/ SGD
Loan Period Max 1 year
Loan Limit IDR100 million - IDR20 billion
Collateral Type Residential, apartment, Shop House, warehouse, factory, vacant land, time deposit, SBLC
Principal Repayment Monthly
Interest Repayment Monthly
Credit Characteristic Revolving


Loan principal withdrawal and repayment at any time
Suitable for working capital needs / seasonal expense / unexpected cost.


Interest Risk
Loan interest rate may change from time to time, Bank will give advance notification in relation to respective loan interest rate change.

Currency Risk
Foreign currency fluctuation may cause change toward loan in foreign currency, hence Bank need to convert currency to IDR for the respective loan, Bank will give advance notification in relation to respective conversion

Eligibility Criteria

  Individual Company
Borrower Indonesian Citizen (WNI) Foreign Investment Company (PMA) or
Domestic Investment Company (PMDN)
Age Min : 21 years old
Max. : 65 years old (Minors with a Marriage Certificate are allowed to apply)
Not Applicable
Domicile Unless otherwise stated within this policy or SME Loan Product Policy eligibility criteria extends to any location where PTBC has a branch presence nearby
Sales Min. IDR300 mio p.a.
Business Period ≥2 years

Required Documents

  Individual Company CV
Copy of Borrower Identity Card and Spouse Identity Card
Copy of Marriage Certificate or Single Status Statement    
Copy of Family Card    
Copy of Tax Registration Number or Annual Tax Payment
Copy of Business License
Copy of Establishment Deed  
Copy Articles of Incorporation    
Copy Articles of Association Amendment Deed  
Saving Account / Current Account Statement
Financial Report  
Copy of Land Certificate of Ownership
Copy of Building Permit (IMB)
Copy of the Latest Land and Building Tax Slip (PBB)

Submission Procedure


Facility Fee 1% of loan limit per annum
Administration Fee 0.1% of loan limit, min. IDR500,000.- and max. IDR2,000,000.- (or equivalent for other approved currency) per annum & per CIF
Overdrawn Interest IDR = 3% per month
USD or other approve currency = 2% per month
Early Termination Fee Free of Charge
Partial Repayment Fee Free of Charge
Take Over Penalty 2% of loan limit

List of insurance company which has cooperation agreement with PT. Bank Commonwealth is as follow:

No. Fire Insurance
1. PT. Asuransi Allianz Utama Indonesia
2. PT. Asuransi Wahana Tata
3. PT. Asuransi Sinarmas
4. PT. Asuransi MSIG
5. PT. Asuransi Lippo
6. PT.Asuransi Adira
7. PT. Asuransi Indrapura
8. PT. Asuransi ACE-Jaya Proteksi
9. PT. Asuransi Dayin Mitra
10. PT. Ramayana
11. PT. Tri Pakarta