Credit Facility that offers the flexibility in monthly installment payment (in the form of cash advance and normal installment) and fund withdrawal. Therefore feel free to fulfill your needs without to worry about your monthly mortgage installment.
BII Maxicash offers two kinds of payment all paid in one facility which is normal installment (Principal + Interest) and cash advance installment (only Interest), which is provides benefits such as:
- Reduced Monthly Installment
You only pay the part of your loan with regular monthly principal plus interest payment and the other portion only pay just the interest. Therefore at the end, you pay less for your total monthly installment compare to normal mortgage installment.
- Flexibility in installment payment and fund withdrawal
With Cash Advance portion, you are free to arrange your monthly installment and draw your fund anytime with ATM facility. If desirable, you can make a partial paid off for your over draft facility without announcement to the bank and without any penalty charges. When your cash balance in your Cash Advance facility is enough, you are free to draw the principal payment that already deposited at any time to fulfill your needs.
| Illustration: |
| • |
Total Credit Plafond |
: IDR 200 million |
| • |
Installment portion 65% |
: IDR 130 million |
| • |
Over Draft portion 35% |
: IDR 70 million |
| • |
Over Draft portion 35% |
: 10 years |
| • |
Over Draft portion 35% |
: 10,49% p.a effective |
Comparison between Regular KPR and MaxiCash
Product |
Installment |
Over Draft |
Total Installment |
KPR Regular |
Rp. 2,7 Juta |
- |
Rp. 2,7 Juta |
BII Maxicash |
Rp. 1,7 Juta |
Rp. 0,6 Juta** |
Rp. 2,3 Juta |
* term & condition applied
** Assumption over draft used is fluctuate
Plenty of Advantages!
- Quick and easy credit process.
- Wide range of relationship with many Developers and Property Agents across Indonesia.
- Competitive fixed interest rate
Terms & Conditions
- Indonesian citizen (WNI).
- Minimum age of applicant is 21 years old or already married, maximum age is 50 years old (for employee) and maximum age 60 years old (for self employee & professional) when credit tenure ends.
- Have a fixed income.
| Document Requirement |
| Document |
Employee |
Self Employee |
Professional |
| Copy of Personal ID and Copy Family Card |
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| Copy of Marriage / Divorce / Death Certificate |
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| Copy of personal / company NPWP or copy of SPT PPH 21 |
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| Copy of current / saving account for the last 3 months |
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| Copy of Latest Salary Slip and original Company Refrence Letter |
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| Copy of Practice License |
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| Copy of Article of Association and its Amendments, Trade License (NPWP, SIUP and TDP) |
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| Proof of Down Payment (for a new house) or original / legalized certificate, IMB, building layout, AJB and PBB (for secondary house)) |
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