How to get a loan at Panin Bank and requirements

Panin Bank may still be quite foreign among Indonesians. Especially for people living in villages as PaninBank doesn’t have many branch offices in Indonesia compared to banks like BCA, BNI, BRI etc.

Panin Bank is a bank headquartered in Jakarta. As of the end of 2021, PaninBank has 57 branch offices and 455 sub-branches, including 1 regional office spread across different regions. in Indonesia

Like a conventional bank, PaninBank also offers credit to all customers. You don’t even need to have assets as collateral. This loan is called KTA Express PaninBank. How good is a loan from Panin Bank? What are the conditions? Read more below!

KTA Express PaninBank

KTA Express PaninBank is an online loan product that individuals can file unsecured to meet their needs. From education, business or entertainment expenses. credit ceiling The amount provided is quite large, up to 300 million rupiah with a credit tenure of 3 years.

Credits are granted to customers for productive use or consumption purposes only. So you are free to use this credit for various purposes. Speaking of interest rates, you’ll be happy to hear this information. PaninBank’s KTA Express product interest rates are relatively low.

Here are the Panin Bank KTA interest rates you need to know:

1. 1.29% loan term 36 months
2. 0.99% loan period 24 months
3. 0.88% loan period 12 months

Some of the fees that must be paid upon receiving the KTA are as follows:

1. Annual fee or management fee of IDR 100,000 per customer by paying in advance directly
2. fine expedite paymentYou will then be asked to pay a fee if you wish to pay off the debt earlier than a predetermined age. This penalty is 7% of the remaining loan amount.
3. Late installments: If the installment is overdue, a penalty of 6 percent of the overdue amount will be incurred.
4. allowancePay 3% of the total amount agreed.

Loan conditions with Panin Bank

After learning the information Regarding the KTA Express PaninBank loan, you may be interested in applying for a loan, but before actually submitting, there are conditions that must be met, whatever? Check it out below!

Conditions for applying for a loan

All Indonesian citizens can apply for KTA Express PaninBank if they meet the following loan applicant requirements:

1. The applicant is an Indonesian citizen (WNI) residing in the territory of the Republic of Indonesia.
2. The minimum age is 21 and the maximum age limit is 55 for employees and 60 for business and professionals when paying credit.
3. Be an entrepreneur, employee or professional in another field with a net income of at least 4 million rupiah per month. with a history of living in the Jabodetabek area and have a minimum income of 3 million rupiah for those residing outside Jabodetabek.
4. Registered and have a savings account with a commercial bank

Document requirements

Not only must the applicant’s requirements be met. There are several supporting documents that need to be prepared in order for the loan application to be approved faster. This is a list of documents.

For Employees or Officers:

1. A copy of the national identity card (Thai National ID Card)
2. Copy of Tax Payer Identification Number (NPWP) if you wish to borrow more than INR 50 million
3. Copy of the front page of the Permata savings account book
4. Copy of the cardholder’s credit card (front)
5. The original bill is valid for 1 month.
6. The original salary slip issued by the institute for the latest month.

For professionals:

1. A copy of the national identity card (Thai National ID Card)
2. Copy of Tax Payer Identification Number (NPWP) if you wish to borrow more than INR 50 million
3. Copy of the front page of the Permata savings account book
4. Copy of the cardholder’s credit card (front)
5. The original bill is valid for 1 month.
6. professional license
7. Bank account for the past 3 months

For operators:

1. A copy of the national identity card (Thai National ID Card)
2. Copy of Tax Payer Identification Number (NPWP) if you wish to borrow more than INR 50 million
3. Copy of the front page of the Permata savings account book
4. Copy of the cardholder’s credit card (front)
5. The original bill is valid for 1 month.
6. Bank account for the past 3 months
7. SITU/SKU/TDP/NIB/SKDU/SIUP

How to get a loan at Panin Bank

If all requirements are met It’s time for you to apply for a loan with Panin Bank. This application process can be done online. on line How to get a loan with Panin Bank!

1. Go to the Panin Bank official website.

The first step in applying for a loan is to open the Panin Bank official website at the address. www.panin.co.id Select the “Individual/Individual” menu in the top left corner, then you can select the ‘Quick Credit’ option.

2. Complete the form.

The next step is to fill out the form. You will be asked to fill out a form starting with your name. Phone number, e-mail address, city of residence Longevity or business if you are a businessman Monthly Income and NPWP Ownership If all information is correct You can click the ‘Apply’ button.

3. A success notification will appear.

If the form is filled out correctly and your internet is stable when the button is pressed. adopt After a while, a notification will appear when your loan application is successful.

4. Wait for the marketing team to contact you back.

You have successfully applied for a loan. Now you just have to wait for the marketing team to contact you for further investigation. If there are additional processes to go through you will be prompted

5. Disbursement

If all loan applications are approved Disbursements can be made via Panin bank account from 3 to 14 business days.

So, here’s how to get a loan at Permata Bank and the conditions. The loan application process from filling out the form until the money is credited to your account can take from 3 to 14 days, depending on record voice You are in the world of credit. Therefore, make sure your credit history is as good as possible so that the loan will be approved immediately.

Before you decide to apply for a loan at PermataBank, you can also simulate the situation first. The simulation is useful for knowing the amount of annuities to be paid. Loan Interest Amount and the size of the loan to be submitted. The KTA Express simulation is on the Panin Bank official website, you can expand the size to plan for receiving credit. Especially for those of you who want to use it for capital or further business development. Of course it’s an approximate value. cash flow It must be more than the installment payment. Good luck!