Usage Based
Installment with interest calculation based on the day of credit usage
Flexible
Fund can be anytime with well-planned installment credit payment
Trusted Service
Trusted, secure, and reliable banking service
Local Loan
Flexible financing solution for withdrawal and repayment that can be done anytime during credit facility time period through checking account
Benefit
- Broad network
Broad network all over Indonesia
- Various financing alternative
Various financing alternative based that suitable to your business needs
- Various kind of business
Able to accommodate various kind of business
- Convenient
Provide convenient way to achieve your business target
- The tenor/credit period is 1 year and is extendable
- The loan can be drawn multiple times throughout the credit period up to the maximum limit by using cheques or Bilyet Giro
- The borrower can repay the loan at any time
- BCA makes the loan to the borrower by providing a maximum limit for drawdown in the current account
- Aged over 17 years or married
- Indonesian citizen
- Not having been declared bankrupt nor being in bankruptcy proceedings
- 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
- 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
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
- BCA branch office
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- API BCA
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