 | Term & Condition |
Term and Condition
- Indonesia Citizen
- Minimum 21 years old or married
- Maximum ages for :
Employee : Loan Period + age of debtor < 55 years
Entrepreneur : Loan Period + age of debtor < 60 year
Loan terms
- Down Payment : minimum 20%-30%, depend on the car type
- Down payment : Minimum 10 % only for collective motorcycle loan
- Insurance is based on Bank OCBC NISP’s term and condition
- Loan period :
1-5 years = new car
1-3 years = second hand car or motorcycle
Documents Requirement
|
No
|
Document
|
Employee
|
Entrepreneur
|
Professional
|
|
1
|
Copy of Applicant ID Card + Spouse
|
√
|
√
|
√
|
|
2
|
Copy of Family Relationship Card
|
√
|
√
|
√
|
|
3
|
Copy of Residency Proof (Land Building Tax or Electricity/Water Bill)
|
√
|
√
|
√
|
|
4
|
Copy of the last 3 months Account Statement or Bank Statement
|
√
|
√
|
√
|
|
5
|
Copy of Tax Payer ID or SPT/PPH 21
|
Ө
|
√
|
Ө
|
|
6
|
Statement of Income or the Pay Slip
|
√
|
-
|
Ө*
|
|
7
|
Copy of Company Legal Act, Article of Association and its amendments
|
-
|
√
|
-
|
|
8
|
Copy of Trade License, Company Registration Letter, Domicile Letter
|
-
|
√
|
-
|
|
9
|
Copy of the management structure (Director and commissioner)
|
-
|
Ө
|
-
|
|
10
|
Copy of Financial Statement (if any)
|
-
|
Ө
|
Ө
|
|
11
|
Copy of Practice License
|
-
|
-
|
√
|
| √ - mandatory Ө - accordance with the terms and condition Ө* - if any |
Additional Term, special for second hand cars
|
No
|
Document
|
Employee
|
Entrepreneur
|
Professional
|
|
1
|
Certificate of ownership of motor vehicles (BPKB), invoice,receipt,copy of Vehicle Registration Certificate(STNK)
|
√
|
√
|
√
|
|
2
|
Copy of ID Card from the last owner of (BPKB),
|
√
|
√
|
√
|
| √ - Mandatory Ө - accordance with the terms and condition Ө* - if any |
e-tax
