Artha Graha | Overdraft Loan

0-800-191-888-0

0-811-191-888-80

Internet Banking Service

E-Graha Retail | E-Graha Corporate

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Overdraft Loan

Product Definition :

A Current Account Loan is a type of loan where the loan limit is stated in the debtor’s current account, in accordance with the agreement between the Bank and the debtor, based on the Loan Agreement/Debt Acknowledgment. This loan is typically used to finance the debtor's daily working capital needs.

Advantages:

The debtor is free to make withdrawals or repayments using checks, giro slips, or other transfer instruments, as long as they are within the terms of the loan agreement and the withdrawals do not exceed the loan limit. The unused portion of the credit limit will not incur any interest.

Features :

The credit limit is based on the business feasibility and the customer’s needs.
Credit disbursement can be made using checks/giro slips.
The loan term is a maximum of 1 year, with the possibility of renewal.
Collateral can be in the form of movable or immovable property, such as land and buildings, or other assets deemed sufficient by the Bank.

Requirements :

Personal identification documents.
Company identification documents.
Financial information documents.
Collateral documents/information.