Kredit Pensiun

Pension Credit is a platform that provides loan application services for pre-retirement or retired civil servants, TNI, POLRI, BUMN and BUMD in official collaboration with several state-owned banks or private banks throughout Indonesia.

Want to know what products are in Pension Credit?

Preretirement Credit
Credit product that is given to prospective ASN employees, TNI/POLRI employees, and employees in BUMN/BUMD institutions who will enter retirement age for a maximum of 5 years.

Pension Credit
Credit products granted to retired civil servants, TNI/POLRI, and BUMN/BUMD. Customers can be served with a ceiling of up to 500 million and a term of up to 15 years.

Platinum Credit
Credit product that is given to retired civil servants, TNI/POLRI, and BUMN/BUMD aged 70 years and over whose return comes from auto debit from pension salaries.

General terms of pre-retirement, retirement & platinum credit
1. Loan Ceiling
- pre-retirement credit: up to IDR 500,000,000
- pension credit: up to IDR 500,000,000
- platinum credit: up to IDR 50,000,000
2. Interest Rate
- pre-retirement credit: using annuity interest with a rate of 10.50% - 11.50% per year
- Pension credit: using annuity interest at a rate of 10% - 12% per year
- platinum credit: using flat interest with a rate of 1.98% - 3.50% per month
3. Term
- pre-retirement credit: 12 months - 180 months
- pension credit: 12 months - 180 months
- platinum credit: 12 months - 36 months
4. Profession Fee
1% of the ceiling
5. Administration Fee
IDR 250,000 - IDR 500,000
6. Insurance Fee
In accordance with the provisions of the lending bank
7. Calculation Example
- pre-retirement credit: take a loan for 120 months and the pre-retirement period is 12 months with a ceiling of Rp. 100,000,000, then the monthly installment is Rp. 1,435,087, provided that during your pre-retirement period you do not pay in installments so that the total that must be paid in 108 months of retirement is Rp. 154. 989,396
- pension credit: take a loan for 120 months with a ceiling of Rp100,000,000, then the monthly installments are Rp1,349,350, so the total that must be paid in 120 months of retirement is Rp161,922,000
- platinum credit: take a loan for 30 months with a ceiling of Rp. 37,600,000, then the monthly installments are Rp. 2,000,000, so the total that must be paid in 30 months of retirement is Rp. 60,000,000

The requirements for submitting you only need to prepare an ID card, then our marketing will follow up your application and provide directly the detailed requirements of the lending bank.