Credit Investment

  • Overview
  • Requirements
  • Additional Information

Credit Investment

Business expansion is definitely a goal. The more developed a business is, thhe greater investment will be. Bank Mestika understands this by providing investments loans. This is a mid and long term scheme for a period of more than 1 (one) year, with the purpose of fulfilling investment needs for new investment, expansion, modernization or rehabilitation.

The variaties of investments loans of Bank Mestika can be selected in accordance with the needs and nature of the business.

  1. Mid to Long Term Credit Scheme - Regular
    For an investment need that is immediately productive, such as office/ warehouse expenses, for a period of up to 10 years.
  2. Mid to Long Term Credit Scheme – Regular 1
    For an investment need that is immediately productive, such as office/ warehouse expenses, for a period of up to 10 years.
  3. Mid to Long Term Credit Scheme – Fixed
    For an investment need that is immediately productive, such as the purchase of operational vehicles and heavy machinery, for a period of up to 3 years.
  4. Mid to Long Term Credit Scheme - Special
    For an investment need that takes time to be productive, such as construction of factories/ offices/ warehouses, plantation projects, hotels, for a period of up to 10 years, with a grace period of up to 3 years if deemed necessary in accordance with the bank’s analysis.
  5. Mid to Long Term Credit Scheme - Flexible
    For an investment need that is immediately productive, such as the purchase of operational vehicles/ heavy machinery, for a period of up to 3 years.
  6. 6. Project Financing - Developer
    For developers to finance housing projects, for a period of up to 5 years.

Business Types:

Individuals :

  • Indonesian citizen.
  • Aged 21 to 65 when the credit scheme ends (for new debtors)

Business Entity :
  • Registered in Indonesia
  • Limited Liability or Firms or Sole Proprietors
  • Owners of firms or sole proprietors have to be Indonesian citizens

Business Establishment

The business has been established for at least 3 (three) years with the activist as registered in the Business License.

  • For financing services provided, the prospective debtor is subject to charges which shall be made available in his/ her bank account before the loan is released.
  • The debtor shall fulfill his/ her obligations to the bank on time.
  • In case of late payments, the debtor shall be charged a lateness fee.
  • Complaints about the bank’s products can be made face-to-face, via email, letter and call centre.
  • Late payments shall effect the debtor’s collectibility.
  • The fees charged to the clients refer to the information covered in the loan agreement.
  • For further information about Working Capital Loans, contact your nearest branch of Bank Mestika.

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