Mirai+ Payroll Bank BNP is one of loan facility without collateral that are offer specially to the employees of a company that has a cooperation with BNP Bank in payroll and gicing Mirai+ BNP Bank facility. Mirai+ Payroll is given for permanent and contract employees that has an income of ≥ Rp1.000.000. Minimum limit given is Rp1.000.000 (one million rupiah) and the maximum limit is up to Rp50 millions (fifty millions rupiah) with credit term a minimum of 6 months up to 60 months. For contract employee must have minimum of 7 months of work term.
- Interest fee
- Late fee/penalty
- Penalty (early repayment fee)
- Administration fee
To ensure the comfort of banking, customer need to be aware of several informations below :
- Fluctuation of interest rate that could happen to follow market development. Information of interest rate changes are informed thru BNP Bank website and also announcements at every BNP Bank office in accordance with applicable regulations.
- Delay in installment payment will subject to late fees/penalty (see penalty table)
- If customer makes repayment before maturiry, early repayment fee of 5% of the remaining loan principal plus interest will be calculated up to the date of the next installment.
- Partial repayment is not allowed.
- Customer must come to BNP Bank office for Mirai+ disbursement according to the area that has been decided to sign installment schedule before Mirai+ disbursement.
You/Customer can apply for Mirai+ Payroll BNP Bank with following terms:
- Special for permanent and contract employee in a company that cooperate with BNP Bank in payroll and provision of Mirai+ BNP Bank facility.
- Indonesian citizen, 21 years old/married until age 55 years old at the end of the credit term.
- Limit of Rp1-100millions
- Minimum income of Rp1 million
- Has phone/Handphone that can be contacted
- Copy of KTP (that is still valid minimum 30 days)
- Copy of NPWP/SPT from applicant (for application of > Rp30 millions must submit copy of NPWP/SPT)
- Working Reference Letter from the company (original)/copy of employee ID (name tag)
- Copy of contract agreement/letter of contract conclusion from HRD (for contract employee)
If You/Customer is interested in applying for Mirai+, please go to BNP Bank website at http://www.bankbnp.com or to the nearest BNP Bank office or by BNP Call at (022) 82560163 or (022) 82560164
How To Pay for Installment & Time for Installment Payment
- How To Pay for Installment
- Cash Deposit thru nearest BNP Bank branch
- Transfer through ATM BERSAMA network, PRIMA dan ALT by choosing OTHER BANK TRANSFER menu to: BANK NUSANTARA PARAHYANGAN Input Bank code 145 and Payer Account Number
- Installment Payment Time
- Cash Deposit max. at 15.00 PM
- Transfer max. at 17.00 PM
Installment payment is recommended before the installment is due
Download Installment Payment
- How To Pay for Installment
Penalty Calculation Example
Debtor ABC has obligation to pay the installment on every 15th.
Installment amount = Rp. 300.000 per month
Penalty amount = Rp. 25.000 per installment per month
1 (one) day late payment
Date Installment January Penalty Total Obligation 16 January 300.000 25.000 325,000
2 (two) months + 1 say late payment
Date Installment Penalty Total Obligation January February 15 January 300.000 25.000 25.000 350,000 16 February 300.000 - 25.000 325.000 Total 675.000
3 (three) months + 1 day late payment
Date Installment Penalty Total Obligation January February March 15 January 300.000 25.000 25.000 25.000 375,000 15 February 300.000 - 25.000 25.000 350.000 16 March 300.000 - - 25.000 325.000 Total 1.050.000
Download Penalty Calculation Example
- Early Repayment Canculation Sample
If debtor made repayment before due date ends will be charge with penalty 5% of the remaining loan principal plus interest will be calculated up to the date of the next installment.
Download Repayment Illustration
Debtor ABC will make an early repayment on 9 March 2015 with the remaining loan as follow (repayment amount is calculated until the next month due date) :
Principal Balance = 2,235,693,00
Principak Installment = 273,843,00
Penalty 5% x (2,235,693 + 273,843) = 125,476,80
Installment interest = 99,007,00 +
Total Early Repayment = 2,734,019,80
If the Debtor has delays in installment payment, then the Total Early Repayment Fee will be added with Penalty.
Download Installment Schedule Example (Detail)
Download Installment Schedule Example (Non-Detail)