Land and Building Collateral
Solutions to Your Fund Needs
A. Key Features
Loan with land and building collateral is a financing facility provided to meet specific working capital needs, such as funding inventory, receivables, projects, or other financial requirements. One of the keys to a successful business is having adequate and well-utilized capital.
KBFMF Working Capital Loan is a financing facility designed to meet short-term working capital needs or specialized financial requirements, such as funding inventory, receivables, projects, or other business necessities, using land and building as collateral.
With this working capital loan secured by land and buildings, your business can continue operating smoothly, ensuring a steady cash flow.
B. Benefits
- Obtain a working capital loan without a credit card.
- Simply submit a BPKB (vehicle ownership document) or building certificate as collateral.
- The property can still be used for business purposes.
- Maximum financing of up to 70% of the collateral value.
- Loan installments can be adjusted according to monthly income.
- Easy installment payments through:
- Kreditplus branch cashier
- Payment points (Indomaret, Alfamart, bank transfer)
- Kreditplus Mobile app
C. Financing Terms
- Minimum financing amount: IDR 100 million.
- Loan tenure: Up to 2 years.
- Flat interest rate: 0.5% per month*.
- Interest rates are subject to change at any time according to company policies.
D. Requirements and Procedures
- The applicant must be a business entity that has been operational for at least 2 years.
- Must provide collateral in the form of land/building ownership certificates.
- Must possess legal documentation, including:
- Deed of establishment
- Deed of amendment to Articles of Association (AD)
- Domicile certificate
- Business Identification Number (NIB)
- Business license
- Identity card (KTP)
- Taxpayer Identification Number (NPWP)
- Financial statements for the last 3 years
- Complete other required documents.
E. Risks
- Late payment penalties: 0.5% per day of the outstanding loan amount.
- Recorded as a bad credit history in SLIK OJK if no payment is made within 180 days.
F. Fees
There are applicable provision fees, administrative fees, insurance, and collateral binding fees as per company regulations.
G. Additional Information
Not all of our branch offices provide this financing product. For more details, please contact our Customer Service at Contact Center: (021) 1500605.
