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bjb Kredit Guna Bhakti

bjb Kredit Guna Bhakti is a funding method with multipurpose goal for our debtor with fixed salary income, channelled through the cooperation agreement between bjb Bank with the debtor’s current working company and the funding source comes from the debtor’s salary.

Credit Period Terms & Limit

Types of Debtor Period Terms Credit Limit
Civil Servant (PNS Pemda & PNS Non Pemda) 15 years Limited by maximum credit installment term towards the net salary based on ledger
Prospective Civil Servant (CPNS Pemda & CPNS Non Pemda)

5 years
(payroll by bjb)

3 years
(payroll with other bank)

Limited by maximum credit installment term towards the net salary based on ledger
Regional Head & Deputy According with time served Limited by maximum credit installment term towards the net salary based on ledger
DPR/DPD member Maximum 3 months before latest position served Level I up to IDR 400.000.000
Level II up to IDR 500.000.000
Private sector employees 5 years

Up to IDR 100.000.000
(payroll by other bank)

Up to IDR 150.000.000
(payroll by bjb)

 

Requirements: 

  1. Copy of applicant valid IDcard with spouse
  2. Copy of family certificate / marriage certificate
  3. Copy of taxpayer number
  4. Copy of employee card
  5. Salary proof
  6. Retirement Insurance (Taspen) authorized card
  7. Photocard 3cm x 4cm (applicant and spouse) 1 for each
  8. Original letter of employee decree:
    • Decree of appointment of prospective employees
    • Recruitment letter
    • Latest rank/position remarks
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