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UOB BUSINESS SOLUTION

  • Business Solution

Features

Working Capital Loan

Working Capital Loan

A loan facility to support your business operation needs.

Investment Loan

Investment Loan

A loan facility to support your investment needs such as purchase of new machinery, building & construction, renovation and other investments.

Loan Types and Period
  • Term Loan Facility (Working Capital Loan) = 7 year
  • Term Loan Facility (Investment Loan) = 10 year
  • Overdraft / Revolving Credit Facility = 1 year
Benefits
  1. Working capital term loan with tenor up to 7 years.
  2. investment term loan with tenor up to 10 years.
  3. Credit limit up to Rp 20 billion.
  4. Flexible and convenience loan process.
  5. Competitive loan interest rate.

Bank Product Risks

This product is subject to separate Terms and Conditions and carries risks including the risk of fines and a decrease in collectability status at Bank Indonesia for late payment of obligations, the risk of fines for early repayment and forfeiture of collateral if the customer defaults.

Cost and Requirements

Document Requirements
Individual Non-Individual (PT/CV)
  • Copy of Applicant’s and spouse Identity (ID) Card and NPWP (Tax ID
  • Copy of Family Card
  • Copy of SIUP and TDP
  • Copy of Deeds Establishment of the Company and its Latest Amendments
  • Copy of Managements and Shareholder Identity Card and NPWP
  • Copy of SIUP and TDP
Fees and Expenses
  1. Collateral Appraisal Charges
  2. Notary Fee
  3. Provision and Administration Fees
  4. Insurance Cost (if any)

Simulation of interest calculation

Loan Limit Rp. 500,000,000
Loan Interest 12% pa

Limit Pinjaman Rp 500,000,000
Bunga Pinjaman 12% p.a

Tanggal Awal Tanggal Akhir Saldo Akhir Hari Bunga Nominal Bunga
6-Apr-19 8-Apr-19 (50,000,000) 2 33,333.33
8-Apr-19 11-Apr-19 (150,000,000) 3 150,000.00
11-Apr-19 18-Apr-19 (500,000,000) 7 1,166,666.67
18-Apr-19 20-Apr-19 1,300,000 2 -
20-Apr-19 25-Apr-19 (135,000,000) 5 225,000.00
25-Apr-19 30-Apr-19 (359,000,000) 5 598,333.33
30-Apr-19 6-May-19 (100,000,000) 6 200,000.00
      30 2,373,333.33

Notes:

  1. Loan interest is using the formula: loan outstanding x loan interest per annum (%) x debt days amount / 360 days
  2. The simulation above serves for illustration only (example)
  3. The borrower should make a payment on the overdraft facility on the 5th day of each month.

Loan Limit IDR 500,000,000
Loan Interest 12% pa
Loan Drawdown IDR 350.000.000
Loan drawdown tenor three months (interest paid on every month basis)
Loan Interest Amount (IDR 350.000.000 x 12% x 30 days) / 360 = IDR 3.500.000 / month

Notes:

  1. Loan interest is using the formula: loan outstanding x loan interest per annum (%) x debt days amount / 360 days
  2. The simulation above serves for illustration only (example)

Loan Limit IDR 500,000,000
Loan Interest 12% pa
Loan Tenor 18 years = 120 months

 

Month Principal Interest Instalment Outstanding
0 - - - Rp 500,000,000.00
1 Rp 27,777,777.78 Rp 5,000,000.00 Rp 32,777,777.78 Rp 472,222,222.22
2 Rp 27,777,777.78 Rp 4,722,222.22 Rp 32,500,000.00 Rp 444,444,444.44
3 Rp 27,777,777.78 Rp 4,444,444.44 Rp 32,222,222.22 Rp 416,666,666.67
4 Rp 27,777,777.78 Rp 4,166,666.67 Rp 31,944,444.44 Rp 388,888,888.89
5 Rp 27,777,777.78 Rp 3,888,888.89 Rp 31,666,666.67 Rp 361,111,111.11
6 Rp 27,777,777.78 Rp 3,611,111.11 Rp 31,388,888.89 Rp 333,333,333.33
7 Rp 27,777,777.78 Rp 3,333,333.33 Rp 31,111,111.11 Rp 305,555,555.56
8 Rp 27,777,777.78 Rp 3,055,555.56 Rp 30,833,333.33 Rp 277,777,777.78
9 Rp 27,777,777.78 Rp 2,777,777.78 Rp 30,555,555.56 Rp 250,000,000.00
10 Rp 27,777,777.78 Rp 2,500,000.00 Rp 30,277,777.78 Rp 222,222,222.22
11 Rp 27,777,777.78 Rp 2,222,222.22 Rp 30,000,000.00 Rp 194,444,444.44
12 Rp 27,777,777.78 Rp 1,944,444.44 Rp 29,722,222.22 Rp 166,666,666.67
13 Rp 27,777,777.78 Rp 1,666,666.67 Rp 29,444,444.44 Rp 138,888,888.89
14 Rp 27,777,777.78 Rp 1,388,888.89 Rp 29,166,666.67 Rp 111,111,111.11
15 Rp 27,777,777.78 Rp 1,111,111.11 Rp 28,888,888.89 Rp 83,333,333.33
16 Rp 27,777,777.78 Rp 833,333.33 Rp 28,611,111.11 Rp 55,555,555.56
17 Rp 27,777,777.78 Rp 555,555.56 Rp 28,333,333.33 Rp 27,777,777.78
18 Rp 27,777,777.78 Rp 277,777.78 Rp 28,055,555.56 Rp (0.00)