KPM Prima is a special automotive financing program for Danamon’s customers with competitive interest & financing schemes.
KPM Prima financing product includes:
- New & Used Cars (Passenger & Commercial)
- Premium Motor (OTR> 100 million IDR / Engine > 500 CC)
- Vespa
The advantages of KPM PRIMA:
- Low DP (25% for Premium Car & Motorbike Passenger and 30% for Commercial Car)
- Low interest, Starting from 2.95% for OTR> 400 million
- Simple credit document requirements.
- Tenor up to 6 years (For Passenger)
- Complete insurance includes:
- Vehicle Unit Insurance
- Expansion Insurance (Natural Disaster, Riot & 3rd Party Risk) - Optional
- Personal Accident Insurance (PA)
- Life Insurance for Credit Protection (Credit Life / AFCP)
PRICING KPM PRIMA
1. PASSENGER
|
OTR > 400 MIO
|
TENOR
|
|
12
|
24
|
36
|
48
|
60
|
72
|
|
DP NETT
|
25,00%
|
|
FLAT RATE
|
2,95%
|
3,05%
|
3,09%
|
3,82%
|
4,79%
|
5,76%
|
|
EFF RATE
|
7,82%
|
7,57%
|
7,48%
|
8,74%
|
10,38%
|
11,90%
|
|
ADM
|
2 JT
|
2 JT
|
2 JT
|
2 JT
|
2 JT
|
2 JT
|
|
PROVISI
|
0%
|
|
ASS UNIT
|
COMPHERENSIVE
|
|
OTR < 400 MIO
|
TENOR
|
|
12
|
24
|
36
|
48
|
60
|
72
|
|
DP NETT
|
25,00%
|
|
FLAT RATE
|
4,00%
|
4,50%
|
5,00%
|
5,50%
|
6,50%
|
7,50%
|
|
EFF RATE
|
8,65%
|
9,18%
|
9,88%
|
10,57%
|
13,66%
|
14,20%
|
|
ADM
|
2 JT
|
2 JT
|
2 JT
|
2,25 JT
|
2,5 JT
|
2,75 JT
|
|
PROVISI
|
0%
|
|
ASS UNIT
|
COMPHERENSIVE
|
|
OTR > 2018
|
TENOR
|
|
12
|
24
|
36
|
48
|
60
|
|
DP NETT
|
25,00%
|
|
FLAT RATE
|
5,40%
|
6,02%
|
7,14%
|
7,74%
|
9,81%
|
|
EFF RATE
|
11,65%
|
12,18%
|
13,88%
|
14,57%
|
17,66%
|
|
ADM
|
2 JT
|
2 JT
|
2 JT
|
2,25 JT
|
2,5 JT
|
|
PROVISI
|
0,50%
|
|
ASS UNIT
|
COMPHERENSIVE
|
|
OTR > 2012 - 2017
|
TENOR
|
|
12
|
24
|
36
|
48
|
60
|
|
DP NETT
|
25,00%
|
|
FLAT RATE
|
5,90%
|
6,52%
|
7,64%
|
8,24%
|
10,31%
|
|
EFF RATE
|
12,72%
|
13,16%
|
14,80%
|
15,44%
|
18,46%
|
|
ADM
|
2 JT
|
2 JT
|
2 JT
|
2,25 JT
|
2,5 JT
|
|
PROVISI
|
0,50%
|
|
ASS UNIT
|
COMPHERENSIVE
|
2. COMMERCIAL
|
ALL OTR
|
TENOR
|
|
12
|
24
|
36
|
48
|
|
DP NETT
|
30,00%
|
|
FLAT RATE
|
5,40%
|
6,02%
|
7,14%
|
7,74%
|
|
EFF RATE
|
11,65%
|
12,18%
|
13,88%
|
14,57%
|
|
ADM
|
2 JT
|
2 JT
|
2 JT
|
2,25 JT
|
|
PROVISI
|
1%
|
|
ASS UNIT
|
TLO
|
|
UNIT > 2018
|
TENOR
|
|
12
|
24
|
36
|
48
|
|
DP NETT
|
30,00%
|
|
FLAT RATE
|
6,34%
|
7,04%
|
8,23%
|
8,89%
|
|
EFF RATE
|
13,66%
|
14,17%
|
15,88%
|
16,57%
|
|
ADM
|
2 JT
|
2 JT
|
2 JT
|
2,25 JT
|
|
PROVISI
|
1%
|
|
ASS UNIT
|
TLO
|
|
UNIT > 2012 - 2017
|
TENOR
|
|
12
|
24
|
36
|
48
|
|
DP NETT
|
30,00%
|
|
FLAT RATE
|
6,84%
|
7,54%
|
8,73%
|
9,39%
|
|
EFF RATE
|
14,71%
|
15,14%
|
16,78%
|
17,42%
|
|
ADM
|
2 JT
|
2 JT
|
2 JT
|
2,25 JT
|
|
PROVISI
|
1%
|
|
ASS UNIT
|
TLO
|
3. PREMIUM BIKE
|
OTR > 100 JT / > 500 CC
|
TENOR
|
|
12
|
24
|
36
|
48
|
|
DP NETT
|
30,00%
|
|
FLAT RATE
|
7,40%
|
8,00%
|
8,90%
|
9,70%
|
|
EFF RATE
|
15,90%
|
16,03%
|
17,08%
|
17,9%
|
|
ADM
|
2 JT
|
2 JT
|
2 JT
|
2,25 JT
|
|
PROVISI
|
0%
|
|
ASS UNIT
|
TLO
|
CREDIT APPLICATION REQUIREMENTS
|
Credit Application Requirements
|
|
Nationality
|
WNI
|
|
Job
|
Employee, Professional & Entrepreneur
|
|
Years of Service
|
Employee, min 1 Year (At Same Workplace)
Professional min. 2 Years
Entrepreneur min. 2 Years
|
|
Minimum Age when applying for Credit
|
21 Years & Ever Been Married
|
|
Maximum Age until End of Tenor
|
55 years
|
CREDIT SUBMISSION DOCUMENT REQUIREMENTS
|
No
|
Dokumen
|
Karyawan
|
Wiraswasta
|
Profesional
|
|
1
|
KTP Customer (foto kopi)
|
X
|
X
|
X
|
|
2
|
KTP istri/suami/penjamin (foto kopi)
|
X
|
X
|
X
|
|
3
|
Kartu Keluarga/Akte Nikah (foto kopi)
|
X
|
X
|
X
|
|
4
|
Pajak Bumi Bangunan (foto kopi) atau
|
X
|
X
|
X
|
|
Sertifikat SHM/SHGB/SHGU/AJB (foto kopi) atau
|
|
Bukti Rekening Listrik/PDAM/Telepon (foto kopi)
|
|
*boleh salah satu dokumen
|
|
5
|
Rekening Koran/Tabungan 3 bulan terakhir/ Data keuangan lainnya (foto kopi)
|
X
|
X
|
X
|
|
6
|
Ijin Praktek (foto kopi)
|
|
|
X
|
|
7
|
NPWP (foto kopi)
|
X
|
X
|
X
|
|
8
|
SIUP (foto kopi)
|
|
X
|
|
|
Employee, Professional & Entrepreneur
|
