Home Certificate Guarantee Loan - Extra-light Flat Interest from 0.54%/month

For BFI friends who own a business, now is the right time for you to expand your business with additional capital from BFI Finance. It's easy, just apply for a loan secured by a House/Ruko/Rukan Certificate with a low interest rate starting from 12% per year.

1. Submission Requirements:

• Debtor's profession: Employee or Self-employed

• Minimum age 21 years and maximum age 65 years (until loan repayment)

• Marital Status: Unmarried or Married

• Submission requirements: Only applicable for the following cities:

  • Jabodetabek

  • East Java (Surabaya, Sidoarjo, Malang, and Gresik)

  • Medan

  • Balikpapan

  • Samarinda

• Prospective customers can be new customers or existing customers (for existing customers, at least 50% of the financing period at BFI Finance has been under credit).

• For employee profiles must fulfill the following conditions:

  • Work at a company that is publicly recognized, the company has a clear business, and is in the form of a business entity / legal entity. 

  • Salary is reflected in the account.

  • At least Managerial/Structural position with permanent employee tenure > 2 years, or Prohire employee with at least 6 months of permanent employee tenure 3.

• For entrepreneurs, transactions must be reflected in the bank statement.

• No loan restructuring has ever been carried out by debtors, spouses and business entities and other stakeholders in the span of the last 2 years

• Company/Business Criteria:

  • Business profile that is not allowed to be financed:

  • Needs only for passive investment / equity participation; Example: “Consumers make loans for passive investment purposes, without any involvement of debtors in business activities.

  • Business in the field of Stock Investment/Stock Trading/Cryptocurrency

  • Contractor/Developer/General Supplier

2. Property Profile:

• Has ownership rights to the property (SHM/SHGB) in the name of the prospective customer and his/her spouse.

• 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 process of being sold.

• Already occupied or not in a vacant condition.

3. Required documents:

• Self-employed attach a savings account / bank statement for at least the last 6 months that reflects business transactions and is recognized only for transactions that can be validated outside of window dressing transactions.

• Private employees attach payroll account and salary slip for at least the last 3 months or Annual Tax Return. 

• Special financing purposes for working capital of business entities / legal entities, must attach the last 2 years of financial statements (audited / non-audited)

4. Terms of Submission:

• Minimum disbursement amount IDR 1,000,000,000

• Self-employed/professional profession Maximum Tenor 5 years 

• Employee profession Maximum Tenor 7 years.

Interest Rate:

• 13-14% per annum (for disbursement => IDR 1,000,000,000 - IDR 1,999,999,999)

• 12-13% per annum (for disbursement => IDR 2,000,000,000)

Let's apply for a loan with your house certificate as collateral at BFI Finance by filling out the following form.