Kredit Seba Guna (KSG)

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Kredit Seba Guna (KSG)

Attractive Interest

Competitive and rewarding interest rates

Fee Free

Free admin fees for certain balances

Safe & Guaranteed

Insured by LPS and supervised by OJK

About Kredit Seba Guna (KSG)

Get to know the product

Credit facilities regardless of the purpose of use or free according to needs, but not for vehicle and home ownership financing.

Issuer Name

PT Bank Pembangunan Daerah Sumatera Selatan and Bangka Belitung

Main Features
Maximum credit

For people with fixed income whose salary is paid through Bank Sumsel Babel, namely :

For civil servants / non-civil servants / civil servants who have additional employee income (TPP); credit is limited to a maximum deduction of 95% (Ninety-five percent) of the net salary listed on the salary payment list issued by the agency / agency concerned.
For PNS/CPNS/ASN who do not have Additional Employee Income (TPP); credit is limited to a maximum deduction of 90% (Ninety percent) of the net salary listed on the salary payment list issued by the agency/agency concerned.
For teachers/lecturers/professors/teaching staff with CPNS/PNS status who have professional allowances (certification)/special allowances/honorary allowances. Credit is limited to a maximum deduction of 95% (Ninety-five percent) of the salary of the teacher/lecturer/professor/teaching staff issued by the agency concerned.
For teachers/lecturers/professors/teaching staff with CPNS/PNS/ASN status who do not have professional allowances (certification)/special allowances/honorary allowances. Credit is limited to a maximum deduction of 90% (Ninety percent) of the salary of the teacher / lecturer / professor / teaching staff issued by the agency / agency concerned.
For fixed income people whose salaries are not paid through Bank Sumsel Babel for civil servants / civil servants / vertical civil servants, non-civil servants and private employees are limited to a maximum deduction of 80% (Eighty percent) of the debtor's net income.
For people with irregular income: Credit is limited to a maximum ceiling of Rp.200,000,000.00 (two hundred million rupiah).

Time period

For civil servants, CPNS and ASN, the maximum period is up to normal retirement age.
For Non-Civil Servants (fixed income community) and Retirees with the provisions that for those who are still active pay attention to the remaining working period before retirement, while for retirees pay attention to the maximum age limit that can be covered by life insurance.
For people with irregular income, credit is limited to a maximum period of 3 (three) years.

Benefits

Help finance various needs, such as education, marriage, and health.
Competitive interest rates
Fast application and disbursement process
Loan period that can be adjusted according to your needs
Credit and/or life insurance protection

Risk

Additional fees or penalties for each late payment Penalty fees will be charged for repayment before maturity with the amount according to the provisions in the credit agreement.
The risk can be said to be very small, unless there are events beyond the Bank's control (eg: Debtors are laid off so that the ability to pay is reduced or even lost, there is a transfer of payroll income which causes the Bank to adjust according to applicable features)
if there is a Payroll payment that precedes the installment payment date, the Bank will withhold funds in the amount of the current month's installment to be paid on the installment date.

Terms

Credit Recipient:

People with fixed income whose salary is paid through Bank Sumsel Babel.
Income earners whose salaries are not paid through Bank Sumsel Babel.
People with irregular income with at least 1 (one) year of business/professional experience in their field.

Savings

Prospective debtors are required to become saving customers.
Debtors are required to save in order to fertilize credit installments and maintain a savings balance every month until the credit is paid off, at least 1 (one) installment.

Credit applicants are Bank Sumsel Babel customers who fill out the Consumptive Credit Application by attaching:

Photocopy of valid ID card (husband and wife).
Photocopy of Family Card (KK), Marriage Certificate or Divorce Certificate.
For people with fixed income (both CPNS / PNS / civil servants and non-civil servants / civil servants) must attach the latest salary list made by the salary treasurer and authorized by the superior, while for people with irregular income must attach a Statement of Income.
Other data / requirements according to the needs of the credit process.

Cost

Regarding the fees charged, please contact the nearest Bank Sumsel Babel Branch Office directly.

Additional Information

To get more information about Bank Sumsel Babel credit products, please visit the nearest Bank Sumsel Babel Branch Office or contact Customer Care Hotline 1500711.