KPU J Trust is a credit facility provided by PT. J Trust Bank Indonesia, Tbk. with the purpose of meeting the financing needs of debtor with an easier and faster requirements.
KPU is a credit facility given to debtor with an easier and faster process (compared to regular credit process), in order to fulfill the debtor’s business development financial needs, with a maximum credit limit for Rp 5.000.000.000.-
Funds provision in KPU facility can be given in the form of Checking Credit Account (KRK) or installment Credit Futures (KAB), making it easier for the debtor to determine facilities that will be chosen (flexible).
Intended for debtor candidate;
KPU provides 2 types of credit facilities, which are:
Disbursement of the loan principal can be done all at once from the loan account to giro account of the debtor’s operational.
Repayment of the loan principal can be done in installment scheme.
Maximum tenor for KRK is 1 year and can be extended, the extension can be performed if the debtor can fulfill renewal qualification such as: meet the terms and conditions of granting credits, meet the document requirements, meet the RAC requirements.
Maximum tenor for KAB is 5 years.
Interest Calculation Simulation with the assumption:
|Loan limit||: Rp 500.000.000 (Checking Account Credit Facility)|
|Interest Rate||: 15% p.a (Could be changed at any time based on Bank’s ALCO)|
|Credit Usage (Nominal)||: Rp 78.500.000,-|
|Days Usage (Hari)||: 2 days|
|Interest||: (78.500.000 x 15% x 2 days)/360 = Rp 65.417,-|
Types of fees to be charged to the customer for the facilities provided by banks are :
Further detail on fees charged to the debtor will refer to the applicable provisions in J Trust Bank and will be informed through the Loan Agreement Document.
Information on Prime Lending Rate applied can be seen any time on publication at any J Trust Bank Branch Offices and or Official J Trust Bank website.