Working Capital Credit – Account Statement Loan is a loan for working capital of a company with a relatively short period of time (1 year) and can be extended where the withdrawal can be done at any time by withdrawing thru cheque and transfer form.
Use to finance working capital with cheque and transfer form as withdrawing tool.
The following are fees for Accoun Statement Loan:
- Cheque Book and Transfer Form fee
- Interest Fee
- Administration Fee
- Notary Fee
- Insurance Fee (loss/fire by BNP Bank insurance partner)
- Stamp Fee
- Appraisal Fee
- Interest rate fluctuation that can happen following the market development.
- Over draft interest, happens when withdrawal is over the limit (Over Draft).
- Maximum time period is 1 year and can be extended
|Documents||Individual||Company & Coorporation|
|Copy of applicant and spouse (if married) KTP that is still valid for a minimum of 30 days||√|
|Copy of entire board of the company KTP that is still valid for a minimum of 30 days||√|
|Copy of NPWP||√||√ (Company NPWP)|
|Copy of SIUP||√||√|
|Copy of TDP||√||√|
|Copy of business license from competent authority||√|
|Signed Credit Application Form (FPK)||√||√|
|Last 2 years profit and loss Balance Sheet*||√||√|
|Copy of last 3 months account statement from every bank||√||√|
|Deed of company establishment/company’s article of association with all its changes also deed of company structure amendment||√|
|AMDAL document for company in accordance with applicable legislations||√|
*for company: if turnover is above Rp50Billions and/or asset is above Rp25Billions audit must be done by public accountant
The following are documents that are required as collateral:
- Original Deposit Slip
- Original Proof of Land and Building ownership (such as SHM, SHGB, SHGU)
- Precious Metal
- Original invoice for machinery purchase
Illustration sample of Over Draft interest calculation for PRK :
|Maximum Limit||Rp. 100.000.000,-|
|Use of Account Statement||Rp. 120.000.000,-|
|Status||Over Draft Rp. 20.000.000,-|
|Over Draft Interest||48%/year|
|OD Fee||= (Over Draft Amount x (Over Draft Interest/360))|
|= Rp. 20.000.000 x (48%/360)|
|= Rp. 26.666,- per day|
Note: The amount of fees on the above calculations is an illustration and not a guarantee or estimation of future calculations.
Customer complaints can be done thru email to firstname.lastname@example.org or BNP Bank website at http://www.bankbnp.com or to the nearest BNP Bank branch or by fax at (022) 2514580 or BNP Call at (022) 82560163 or (022) 82560164.