Sharia iB Leasing Financing with IMBT (Ijarah Muntahiya Bit Tamlik) is a financing with rent buy fundament between the IMBT Object Owner (Bank/Lessor) and the Lessee (the Customer) that will be ended with ownership transfer of IMBT object from the Bank to the Customer with buying and selling contract or hibah.
Product Benefits:
Purposes:
Providing investment product/working capital (refinancing) which can be used by the Customer for a particular period according to the necessity.
Buy and sell (Murabahah) financing scheme
Sharia Leasing Object (IMBT) that can be financed:
Fees
An administration fee, stamp fee, notary fee, insurance fee, compensation fee (ta’widh) if there is a late repayment of the instalment.
General Requirements:
Document |
Entity |
Individual (Consumer) |
Copy of ID card or passport |
√ |
√ |
Copy of Family Certificate |
√ |
|
Copy of Marriage Certificate |
√ |
|
Last Salary Slip |
√ |
|
Copy of NPWP |
√ |
√ |
Business Certificate, Business Registration Letter, Domicile Letter |
√ |
|
Copy of Business Establishment and it’s amendment with the Court Validation |
√ |
|
The Company should have been running for at least 3 (three) years. |
√ |
|
Having Money Report on minimum 2 years audited or in-house. |
√ |
|
Copy of Checking Account/Last 3 Months Deposit. |
√ |
√ |
Copy of the financing asset document. |
√ |
√ |
Not enlisted on the Bank Indonesia black list. |
√ |
√ |