Definition
BNI Instan is a credit guaranteed by Time Deposit/Current Account/Savings issued by BNI or guaranteed by ORI purchased by a Customer at BNI/another bank/securities company as a selling agent and kept in a Sub Registry according to the provisions.
Types of BNI Instan :
- BNI Instan Rupiah guaranteed with Rupiah Deposit.
- BNI Instan USD guaranteed with USD Deposits.
- BNI Instan guaranteed with ORI.
Credit Features :
|
Credit Features
|
Description
|
Credit Beneficiary |
Individual Customer. |
Maximum Credit |
Maximum 90% of the nominal Deposit pledged. |
Interest Rate |
- 2% above the deposit interest rate pledged.
- 3% above the ORI coupon.
|
Credit Term |
Maximum up to 60 months*. *)
Valid for BNI Instant with Rupiah Deposit guarantee in the form of Aflopend credit.
|
Credit Application |
At the BNI Branch where the Deposit account is opened. |
*) Principal installment is paid at once when due, while interest installments are paid every month.
**) Principal and interest installments are paid every month until maturity.
Benefits :
- Credit process is fast and terms are easy.
- Maximum credit if 90% of the nominal Savings pledged.
- Flexible payment method options.
Terms and Conditions :
- Indonesian Citizen (WNI).
- Photocopy of KTP.
- Photocopy of NPWP.
- Photocopy of Family Card.
- Ownership proof* of Savings Account/Term Deposit/Current Account.
- Ownership proof* of ORI.
*) Depends on the Guarantee Type.