Prima Car Ownership Credit (KPM)

KPM Prima is a special automotive financing program for Danamon’s customers with competitive interest & financing schemes.

KPM Prima financing product includes:

  1. New & Used Cars (Passenger & Commercial)
  2. Premium Motor (OTR> 100 million IDR / Engine > 500 CC)
  3. Vespa

The advantages of KPM PRIMA:

  1. Low DP (25% for Premium Car & Motorbike Passenger and 30% for Commercial Car)
  2. Low interest, Starting from 2.95% for OTR> 400 million
  3. Simple credit document requirements.
  4. Tenor up to 6 years (For Passenger)
  5. 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