Investment Loan

• Legally competent
• Indonesian citizen
• Not declared bankrupt or involved in bankruptcy proceedings

• An Indonesian legal entity or business entity
• Compliant with its Articles of Association and applicable laws and regulations
• Not declared bankrupt or involved in bankruptcy proceedings

Documents proving ownership of the collateral are required, depending on the type of collateral provided.

Property Collateral Documents

• Copy of the Property Certificate
• Copy of the collateral owner's ID card and Tax ID (if the collateral is registered under another person's name)
• Copy of the Building Permit (IMB)
• Copy of the latest Property Tax (PBB) bill
• Copy of the latest Property Tax (PBB) payment receipt

Deposit Collateral Documents *)

• Copy of the deposit certificate

*) Deposit Collateral is an additional collateral

• Loan terms of up to 10 years*.
• Financing provided by the Bank is tailored to the type of productive assets being financed.
• The Investment Loan limit is determined based on the (prospective) borrower's financing needs and BCA's analysis.
• Drawdowns must be made according to the drawdown schedule or based on the (prospective) borrower's written request submitted at least 1 (one) day in advance, provided that the drawdown amount does not exceed the approved credit limit.
• Drawdowns may be made in installments or in a lump sum, with or without a grace period.
• The credit facility is disbursed by transferring funds to the account specified in the drawdown request letter or Credit Agreement, either in a lump sum or in installments.
• Repayment is made by debiting the (prospective) borrower's fund account based on the authorization granted.

• Provides convenient and flexible long-term financing, with loan installments spread over an extended period.
• Investment Loans provided by BCA can be used to finance the rehabilitation, modernization, and expansion of productive businesses, including the purchase of land, land and buildings (including real estate), and vehicles for business purposes.
• Loan disbursement can be made in a lump sum or in installments, with repayment made through periodic installments.

• Delays in meeting payment obligations (principal and/or interest installments) will result in late payment penalties and will be recorded in the Financial Information Services System (SLIK) maintained by the Financial Services Authority (OJK).
• If the (prospective) borrower fails to meet payment obligations as stipulated in the agreement, BCA reserves the right to take action in accordance with the applicable credit terms and conditions.
• Interest rate fluctuations may occur in response to market developments, Bank Indonesia (BI) interest rates, and BCA policies.

• Principal and interest installments are due once every 1 (one) month.
• For Investment Loan (KI) facilities with a grace period, interest payments are due once every 1 (one) month, while principal installments become due after the grace period ends.
• On each installment due date, the (prospective) borrower must ensure that sufficient funds are available to cover the principal and interest installments due for that month.
• Any decrease or increase in interest rates will result in a corresponding decrease or increase in the interest charged on the loan.
• If sufficient funds are not available in the account on the debit date, a late payment penalty will be imposed on the outstanding balance.
• The (prospective) borrower must repay the Investment Loan facility through loan installments over the agreed repayment period.
• The (prospective) borrower may request early settlement or full repayment of the Investment Loan facility by submitting a request to a BCA branch. The (prospective) borrower must ensure that sufficient funds are available in the debit account to cover the outstanding principal and interest.
• BCA reserves the right to change the benefits, fees, risks, and terms and conditions of this product and/or service. BCA will notify customers of such changes through any means and in any form in accordance with applicable regulations, no later than 30 business days before the changes take effect.
• (Prospective) borrowers may receive offers for other products from third parties collaborating with BCA, provided that the (prospective) borrower has authorized BCA to share their data with such third parties.