Car Loan

  • Overview
  • Requirements
  • Additional Information

Consumer Loan
As time goes by, consumer will increas, which does not cost a little. Bank Mestika’s Consumer Loans help meet your needs.
We have various types of consumer loans for your needs:

  1. Multi Purpose Loans
  2. Home Loans
  3. Car Loans
  4. Land Loans


Car Loans
It is normal for every individual to own a private motor vehicle, but this is usually put off due to limited funds. A Mestika Car Loan helps you to own a car, either new or used, for a periof of up to 3 years.


Debtor Criteria

  • Indonesian citizen.
  • Aged 21 or married and up to 55 (employee) or 65 (entrepreneur/ professional) when the credit scheme ends; up to 75 for multi-purpose loans- channeling
  • Permanently employed
  • Minimum 2 years of employment/ business record


Fees for the application for Multi-purpose Loans, Home Loans, Car Loans and Land Loans :

  1. Administration
  2. Provision
  3. Loss Insurance
  4. Life Insurance (not applicable for car loans)
  5. Contract and warranty
  6. Appraisal fee (if necessary)


Documents needed for opening an account for Car Loans

Jenis Dokumen

Employee

Professional

Entrepreneur

Original Loan Application Form

Copy of identification card (KTP) of the applicant and spouse (if married)

Copy of Family Card

Copy of Marriage Certificate/ Prenuptial Agreement/ Birth Certificates of the eldest and youngest children/ Certificate of Change of Name (if applicable)

Passport photos of debtors and spouse

Copyof Tax Identifications Number (NPWP)

Copy of Business License (SIUP) and Business Registration (TDP))

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Copy of Professional License

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Bank Statement/ Savings (last 3 months)

Pay Slip/Certificate of Employment and annual Tax Report (SPT PPh 21)

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Financial Report/ Income Statement/ Annual Tax Report (SPT PPh 21)

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Additional Information :

  • For the payment services, the debtors shall bear the cost, which have to be provided in the debtor’s account before releasing the loan.
  • The debtor shall fulfill his/ her obligations to the bank on time.
  • If the debtor intends to have an early or partial termination in accordance with the regulations of the product, the debtor shall confirm with the bank and shall charged a penalty fee.
  • Complaints about the bank’s products can be made face-to-face, via email, letter and call centre.
  • If the debtor fails to make payment on time, thhe debtor shall be imposed to late charge.
  • Any payment overdue, inclucing interest, may affect the debtor’s collectibility.
  • Any costs charged to the client refer to the information covered in the Loan Offer and Loan Agreement.
  • Regulations concerning Loan To Value (LTV) for loans or property loans and loan down payment or vehicle loans refer to Regulation of Bank of Indonesia No. 18/16/PBI/2016.

For more information call us MestikaCall 14083 or visit our nearest branch.