IndonesiaLoans up to billions? What’s the catch?
Lescadana provides credit loan options for up to billions of rupiah for our customers and it’s unbelievably simple! All you need is to list a number of assets for the bank to be used as collateral. Gain immediate access to credit loans for your various needs without having to sell any of your valuable assets. Now it’s time to let your business flourish!
Benefits
- Competitive interest rate of 12% fixed for the duration of the term.
- Faster and easy process.
- Easy requirements and application process.
- High loan limit.
- Extensive payment plan period.
Recommended for
- Individual.
- Business.
- Indonesian Citizen (WNI).
- Permanent Employee / Entrepreneur / Professional / Business.
- Period of employment / business: Minimum of 2 years (permanent).
- Minimum age: 21 years old / married.
- Maximum age: 55 years old / 65 years old (Entrepreneur).
- Must be insured through Bank partner insurance.
Bank Lescadana Deposit Interest Rate
Required Document
| No | Dokumen | Karyawan | Wiraswasta/Profesional | Perusahaan |
|---|---|---|---|---|
| 1 | Photocopy of E-KTP (Valid Husband/Wife) | ✔ | ✔ | ✔ |
| 2 | Photocopy of Family Card | ✔ | ✔ | ✔ |
| 3 | Photocopy of Marriage Certificate from the Civil Registry or Marriage Book from KUA | ✔ | ✔ | ✔ |
| 4 | Photocopy of Divorce Certificate from the Court (If Divorced) | ✔ | ✔ | - |
| 5 | Death Certificate (If Spouse has Passed Away) | ✔ | ✔ | - |
| 6 | Asset Separation Deed (If Assets are Separated between Husband and Wife) | ✔ | ✔ | - |
| 7 | Photocopy of Individual/Company Taxpayer Identification Number (NPWP) | ✔ | ✔ | ✔ |
| 8 | Deed of Establishment and Ratification along with all its amendments | - | - | ✔ |
| 9 | TDP/SIUP/NIB/Business Statement Letter | - | ✔ | ✔ |
| 10 | Company Profile | - | - | ✔ |
| 11 | Balance Sheet (Profit/Loss)/Financial Statements for the Last 2 Years | - | ✔ | ✔ |
| 12 | Invoice/Sales & Purchase Invoice | - | ✔ | ✔ |
| 13 | Photocopy of Bank Statement / Savings Book for the Last 6 Months | ✔ | ✔ | ✔ |
| 14 | Pay Slips for the Last 3 Months | ✔ | - | - |
| 16 | Photocopy of Employment Certificate | ✔ | - | - |
| 18 | Photocopy of Land/Building Ownership Certificate (SHM/SHGB/SHMRS/BPKB) | ✔ | ✔ | ✔ |
| 19 | Photocopy of Building Permit (IMB) | ✔ | ✔ | ✔ |
| 20 | Photocopy of Latest Land and Building Tax (PBB) Receipt | ✔ | ✔ | ✔ |
*) To expedite the process, please ensure all the documents mentioned above are prepared at the beginning of the credit application.
Employee Requirements Documents:
- Photocopy of E-KTP (Husband + Wife)
- Photocopy of Family Card (Husband + Wife)
- Photocopy of Marriage / Divorce Certificate
- Death Certificate (If Spouse has Passed Away)
- Asset Separation Deed (if any)
- Photocopy of Taxpayer Identification Number (NPWP)
- Photocopy of Bank Statement / Savings Book for the Last 6 Months
- Employment Certificate & Original Pay Slips for the Last 3 Months
- Photocopy of Land/Building Ownership Certificate (SHM/SHGB/SHMRS/BPKB)
- Photocopy of Building Permit (IMB)
- Photocopy of Latest Land and Building Tax (PBB) Receipt
Entrepreneur/Professional Requirements Documents:
- Photocopy of E-KTP (Husband + Wife)
- Photocopy of Family Card (Husband + Wife)
- Photocopy of Marriage / Divorce Certificate
- Death Certificate (If Spouse has Passed Away)
- Asset Separation Deed (if any)
- Photocopy of Taxpayer Identification Number (NPWP)
- TDP/SIUP/NIB/Business Statement Letter
- Balance Sheet (Profit/Loss)/Financial Statements for the Last 2 Years
- Invoice/Sales & Purchase Invoice
- Photocopy of Bank Statement / Savings Book for the Last 6 Months
- Photocopy of Land/Building Ownership Certificate (SHM/SHGB/SHMRS/BPKB)
- Photocopy of Building Permit (IMB)
- Photocopy of Latest Land and Building Tax (PBB) Receipt
Company Requirements Documents:
- Photocopy of E-KTP (Valid Husband/Wife)
- Photocopy of Family Card
- Photocopy of Marriage Certificate from the Civil Registry or Marriage Book from KUA
- Photocopy of Company Taxpayer Identification Number (NPWP)
- Photocopy of Bank Statement / Savings Book for the Last 3 Months
- Deed of Establishment and Ratification along with all its Amendments
- TDP/SIUP/NIB/Business Statement Letter
- Company Profile
- Balance Sheet (Profit/Loss)/Financial Statements for the Last 2 Years
- Invoice/Sales & Purchase Invoice
- Photocopy of Bank Statement / Savings Book for the Last 6 Months
- Photocopy of Land/Building Ownership Certificate (SHM/SHGB/SHMRS/BPKB)
- Photocopy of Building Permit (IMB)
- Photocopy of Latest Land and Building Tax (PBB) Receipt
Frequently Asked Question
Apakah obyek agunan yang belum dibalik nama bisa dijadikan jaminan untuk Kredit Multiguna (KMG) di Bank Lescadana?
Tidak bisa. Salah satu syarat pengajuan kredit adalah Sertifikat (SHM/HGB) wajib beratas nama sendiri (pribadi/badan usaha).
