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Title : Know 4 Things About Types of KTA Loans
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Know 4 Things About Types of KTA Loans
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Below are 4 (four) types of loans that are not the same as property collateral such as a residence or house, land or vehicle.
1. Credit from Bank Mestika
Multi Purpose Credit Regular or referred to as Multi Purpose Loan is a debt product with collateral property such as a residence or a house that can reach up to 5 billion which is calculated from the price of the property into collateral. KMG Refinancing is given in installments up to 10 Th.
Interest rates for Regular Multi-Use Credit Bank Mestika is quite cheap, which is only around 9% to 10% per year.
The most important prerequisite for obtaining a Credit Bank is a mortgage with guaranteed residence certificate, which must be 21 years old (minimum age). with fixed income. For employees maximum age 55 years. with a service period of 2 years. and must be a permanent employee. Whereas for entrepreneurs the maximum age is 65 years old.
To apply for KMG credit, the Bank of Indonesia can be done at the branch offices of the Bank of Mestika or through marketing who are on duty at their respective branch offices. For further information, you can contact Mestika's 24-hour call center at 14083.
2. BCA KPR Refinancing
BCA KPR Refinancing is a cash loan program with collateral for a place to live, shop or apartment. The debt ceiling of the refinancing BCA mortgage can reach 3 billion with a large provision of mortgage collateral loans depending on property prices or collateral.
Bank BCA provides a means of payment in installments up to 10 years.
Refinancing mortgage rates from BCA banks are so low when compared to interest rates, which are only around 9.25% to 9.75% per year.
The most important prerequisite for applying for BCA KPR Refinancing is that the applicant must be at least 21 years old and a maximum of 55 years old for employees and 65 years old for entrepreneurs or professionals. Applicants who are employees must be permanent employees and have worked at least 1 year. in the company today. Beyond that, the Applicant must also be willing to carry out payments by automatically debiting accounts every month.
To apply for mortgage refinancing from Bank BCA, it can be done at the BCA bank branch office or through marketing on duty.
3. Loans from Chartered Equity Loan Standards
Standard Chartered Equity Loan or KMG is a type of loan or debt from a Standard Chartered bank with collateral property such as a residence, shop or apartment. The amount of Equity Loan Fund given is 8 billion or a maximum of 80% of the price of the insured property.
Loans provided by Chartered Standards are quite flexible with a choice of tenor of up to 25 years. For own interest rates, KMG gives interest of 10.75% per year. The most important prerequisite to get a Standard Chartered Equity Loan loan is that the applicant must be at least 21 years old. and Maximum of 65 years. Must be an Indonesian citizen or foreigner who has a KITAS. The applicant is also required to have a minimum income of 3 million per month.
4. Danamon KMG or Danamon Credit Multipurpose
Danamon Multipurpose Credit is a loan or debt program with collateral property such as a residence or. The amount of debt or ceiling can reach up to 2.5 billion Rupiah or a maximum of 70% of the collateral value. For debt tenor, which is a maximum of 10 years. Flat interest is around 11.25% per year. The loan system from Danamon's bank can be disbursed only for a period of 2 years. if general criteria or documents are fulfilled.
The most important prerequisite for applicants is a minimum age of 21 years. and a maximum of 65 years, the applicant must have a fixed income with a minimum of 2 million per month. To apply for Danamon Multipurpose debt, it can be done at the nearest Danamon bank branch office by preparing documents such as KTP, Family Card, 3x4 Photo Match, Copy of NPWP, Wage Slip or income info letter.
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