Multiproduct financing facilities

A. Key Features
Kreditplus (PT KB Finansia Multi Finance) provides multi-purpose multi-product financing facilities. Product categories that can be financed include: Gadgets, Home Appliance, IT and Communication, Audio/Video, Furniture.

B. Benefits

  1. Shop for electronic goods by paying in installments without a credit card.
  2. It's only enough to pay down payment, first installment, administrative fees, and insurance, you can take it home.
  3. The amount of installments can be adjusted according to monthly income.
  4. The credit application process is easy because you can go through the application (without leaving the house).
  5. Installment payments are easy, through: cashiers, payment points (Indomaret, Alfamart, banks, KPM), collector.

C. Terms of Financing

  1. Products financed are new products that come from shops/dealers that work with Kreditplus.
  2. Financing Value (Price of Goods - DP + Insurance).
  3. Financing Value Range: above Rp. 1.5 million.
  4. Maximum tenor of 3 years.
  5. Interest rates start at 1.99% per month, valid for 1 year financing tenor*.
    *Interest rates may change at any time according to the applicable Company policy.

D. Requirements and Procedures:

  1. Indonesian citizen aged 21 or married.
  2. Minimum income of 1.5 million per month.
  3. Private employees have worked for at least 1 year/Professional for at least 2 years in the field of business the same one.
  4. The maximum distance to residence is 30 km from the Kreditplus branch and the maximum travel time is 60 minutes.
  5. Complete other required documents.

E. Risk:

  1. Imposition of late fines if there is a delay in payment.
  2. Penalty for early repayment.
  3. Recorded history of bad credit at SLIK OJK, if you don't make payments up to 180 day.

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