Individual Loan

Demand Loan
Short term revolving working capital credit facilities withdrawal can only be made with advance notice to the Bank.

  • Interest calculation is performed with an effective interest rate (as per the facility balance).
  • The use of demand loan for each submitted letter of acceptance of at least 14 (fourteen) days. If the use of the facility is less than that time period, then the bank still charges interest for 14 (fourteen) days.
  • Payment of facilities used must be at once and should not be installments.
  • The facility is revolving.
  • Withdrawal of facilities can be done anytime according to the needs of the debtor by first confirming to the bank and submit a letter of acceptance.
  • Maximum facility duration is 12 months and can be extended after review.
  • The interest rate charged is floating (subject to change at any time).

Opening Condition
  • Submitting adequate collateral goods.
  • The Borrower must open a current account or savings account at Bank Index.
  • The debtor may be an individual or a business entity

Required Documents

A. Individual Debtor Candidate :

  • Copy of husband's / wife's ID 
  • Copy of debtor's family card (Kartu Keluarga / KK)
  • Copy of debtor's marriage document
  • Copy of debtor's name changing document (if any)
  • Copy of business legal documents : NPWP, SIUP, TDP, SITU, and License of Nuisance Act 
  • Copy of account statement at least 3 (three) months
  • Copy of Certificate, IMB, Blue Print, last tax payment receipt (PBB) dan AJB of the collateral

B. Prospective Debtor of Legal Entity

  • Copy of managements' ID
  • Copy of Deed of Establishment and its amendments, Decree of the Minister of Justice, State Gazette of the Republic of Indonesia, SIUP, TDP, NPWP, SITU and License of Nuisance Act
  • Copy of account statement at least 3 (three) months
  • Copy of certificate, IMB, Blue Print, AJB and the last tax payment receipt (PBB)

Terms, conditions, fees and other information on this product are subject to change. For further information, please contact Bank Index Call Center phone number (021) 6330055 or please visit the nearest Bank Index office.

Fixed Loan