Kredit Kendaraan Bermotor
Kredit Kendaraan Bermotor Baru
Kredit Kendaraan Bermotor
Mandiri KKB is an auto loan product by Bank Mandiri for individual customers to help them in the vehicle finance purchasing or refinancing for consumptive needs.
Mandiri KKB Features
- 1. Mandiri KKB Reguler
A credit facility for financing new or second vehicle purchase. The types of vehicles that can be financed include passenger cars, commercial cars, and motorcycle.
- 2. Mandiri KKB Multiguna
Refinancing your (or spouse) vehicle for consumptive purpose. The type of collateral accepted are passenger car and motorcycle.
Benefits
- Competitive interest rate
- Fast and easy approval
- Minimal down payment
- Simple and concise requirement
- The credit tenure extends up to 5 years
- A reliable and trusted network of our multifinance subsidiaries
Find out the list of multifinance network of our subsidiary company:
What’s the risk of an Auto Loan?
Several risks that could happen for Mandiri KKB:
- Changing economics and politics situation risk
- Liquidity risk
- 3 rd party default risk
- Changing laws and regulations risk
- Force Major risk (natural disasters/extraordinary events)
- Other risks stated on the Syarat-Syarat Umum Perjanjian Kredit Konsumtif (SUKK)
Auto Loan Interest Rate
1. Exclusive for Priority / Private Member and Bank Mandiri Employee
| Tenor | Rate | Description |
|---|---|---|
| 1 Year | 2,75% |
|
| 2 Years | 3,00% | |
| 3 Years | 3,25% | |
| 4 Years | 4,05% | |
| 5 Years | 6,30% |
| Tenor | Rate | Description |
|---|---|---|
| 1 Year | 3,25% |
|
| 2 Years | 3,50% | |
| 3 Years | 3,75% | |
| 4 Years | 4,25% | |
| 5 Years | 6,40% |
2. Khusus Nasabah Non Prioritas/Private
| Tenor | Rate | Description |
|---|---|---|
| 1 Year | 2,95% |
|
| 2 Years | 3,45% | |
| 3 Years | 3,70% | |
| 4 Years | 4,20% | |
| 5 Years | 6,75% |
| Tenor | Rate | Description |
|---|---|---|
| 1 Year | 3,45% |
|
| 2 Years | 3,95% | |
| 3 Years | 4,20 | |
| 4 Years | 4,40% | |
| 5 Years | 6,85% |
Terms and Conditions
- Indonesian citizenship or expatriate
- Min. age of 21 years or married, maximum age of 60 years (regular customer) or 65 years (priority/private member) at the end of credit.
- Working period requirement:
- Employee conditions: Permanent employee in the existing company with minimum 1 (one) year working period.
- Professional or self-employed conditions: Minimum 1 (one) year occurrence of experience (proved by business/practice license).
- Income requirement:
- Car Loan:
- Jabodetabek and Surabaya area: minimum income Rp6 Million/month
- Non Jabodetabek and Surabaya area: minimum income Rp5 Million/month
- Motorcycle Loan:
- Jabodetabek and Surabaya area: minimum income Rp4 Million/month
- Non Jabodetabek and Surabaya area: minimum income Rp3 Million/month
- Joint income allowed, the income criteria above are increased Rp1 Million/month for each category, including the verified income of the spouse as confirmed by MTF/MUF.
- Car Loan:
- Loan applicant must have been Bank Mandiri customers for a minimum of 3 (three) months
- Document requirements
| No | Document | Employee | Professional | Self Employed |
|---|---|---|---|---|
| 1 | Application document fill up complete and correct | ✔ | ✔ | ✔ |
| 2 | Copy of KTP applicant & spouse | |||
| 3 | Copy of Married/Divorced Certificate (whom married/divorced) | ✔ | ✔ | ✔ |
| 4 | Copy of Kartu Keluarga | ✔ | ✔ | ✔ |
| 5 | Copy of checking account/savings from 3 months ago | ✔ | ✔ | ✔ |
| 6 | Copy of NPWP | ✔ | ✔ | ✔ |
| 7 | Original of latest salary slip/income letter and employement letter | ✔ | - | - |
| 8 | Copy of company financial statement (profit and loss balance) | - | - | ✔ |
| 9 | Copy of company deed and business license permit | - | - | ✔ |
| 10 | Copy of license permit professions | - | ✔ | - |
| 11 | Copy of collateral ownership SHM/SHGB, IMB/PBG & PBB | ✔ | ✔ | ✔ |
| 12 | Copy of SITU/SKDU (Business Domicile Certificate) | - | - | ✔ |
Fees
- Provision
- Admin
- Insurance (vehicle insurance)
- Fiduciary