Land and Building Collateral

Need Additional Capital for Business? Land and Building Collateral Is a facility provided for working capital needs that are specific in nature such as to finance Inventory / Receivables / Projects or other needs. One of the keys to business success is the availability of adequate and appropriate capital.

A. Key Features

KB FMF Working Capital Loan is a credit facility provided to meet working capital needs that run out in one business cycle and/or special working capital needs such as to finance inventory/receivables/projects or other special needs, with land and buildings as collateral. With a working capital loan with Land and Building collateral, your business or business remains can run well and the financial flow can return smoothly.

B. Benefits

  1. Get a loan for working capital without a credit card.
  2. It is only enough to submit BPKB documents or building certificates to be used as collateral.
  3. The building can still be used.
  4. Financing costs are only a maximum of 70% of the collateral value.
  5. The amount of installment money can be adjusted according to monthly income.
  6. Installment payments are easy, via: cashier, payment point (Indomaret, Alfamart, Bank, etc.)

C. Terms of Financing

  1. Minimum Financing Range IDR 100 million.
  2. Loan term (tenor) up to 2 years.
  3. Interest of 0.5% - 1% flat per month*.
    *Interest rates may change at any time according to the applicable Company policy.

D. Requirements and Procedures

  1. The consumer is in the form of a business entity and has been running a business for at least 2 years.
  2. Have a guarantee in the form of a land / building certificate,
  3. Have legality documents such as: Deed of establishment, Deed of AD amendment, Domicile Decree, NIB, Business License, KTP & NPWP, as well as financial reports for the last 3 years.
  4. Complete other required documents.

E. Risk

  1. Imposition of fines for late payment of installments with the calculation: 0.5% per day of delay from outstanding.
  2. Penalty if accelerated repayment is accelerated.
  3. A history of bad credit is recorded at SLIK OJK, if you don't make payments for up to 180 days.

F. Additional Information

Not all of our Branch Offices serve the above Financing Products, for further information please contact our Customer Service at (021) 1500605.