Welcoming Financial Inclusion Month 2024, BFI Finance is providing a special promo for BFI friends who apply for financing with a house certificate guarantee only in October 2024! You have the opportunity to get special loan interest rates starting from 0.56% per month.
1. Submission Requirements:
- Debtor's profession: Employee or Entrepreneur
- Minimum age 21 years and maximum age 65 years (until loan repayment)
- Marital Status: Not Married or Not Married
- Application requirements: Only valid for the following cities:
- Jabodetabek
- East Java (Surabaya, Sidoarjo, Malang and Gresik)
- Medan
- Prospective customers can be new customers or existing customers (for existing customers, at least they have completed a credit period of 50% of the financing period at BFI Finance).
- Employee profiles must meet the following conditions:
- Work for a company that is publicly known, the company has a clear business, and is in the form of a business entity/legal entity.
- Salary is reflected in the account.
- Minimum Managerial/Structural position with a permanent employee service period of > 2 years, or Prohire employee with a minimum permanent employee service period of 6 months 3.
- For entrepreneurs, transactions must be reflected in the bank statement
- There has never been any loan restructuring for debtors, partners or business entities and other stakeholders in the last 2 years
- Company/Business Criteria:
- Business profiles that are not permitted to be financed:
- The need is only for passive investment/capital participation; Example: "Consumers borrow with the aim of passive investment, without the debtor's involvement in business activities.
- Business in the field of Stock Investment/Share Trading/Cryptocurrency
- Contractor/Developer/General Supplier
- Business profiles that are not permitted to be financed:
2. Property Profile:
- Have ownership rights to property (SHM/SHGB) in the name of prospective customers and their spouses.
- Not located in an alley, accessible by 1 car (3 meters wide), and not in a village.
- Not close to public facilities, power lines, cemeteries, or watersheds.
- Not in the sales process.
- Whether it is occupied or not in vacant condition.
3. Required Documents:
- Entrepreneurs attach savings/bank statements for at least the last 6 months that reflect business transactions and are recognized only for transactions that can be validated outside of window dressing transactions.
- Private employees attach payroll accounts and pay slips for at least the last 3 months or Annual SPT.
- Specifically for financing purposes for working capital for business entities/legal entities, you must attach financial reports for the last 2 years (audited/non-audited).
4. Submission Terms:
- Minimum disbursement amount IDR 1,000,000,000
- Entrepreneur/professional profession. Maximum tenor of 5 years
- Maximum employee tenure of 7 years.
- Interest Rate:
- 13-14% per year (for disbursement => IDR 1,000,000,000 - IDR 1,999,999,999)
- 12-13% per year (for disbursement => IDR 2,000,000,000)
Look for the name of the road or building around first, then set it and click the location of the location of the asset to be guaranteed.