• Incorporated/established in Indonesia under the Indonesian law
• Compliance with the borrower’s Articles of Association and the prevailing laws and regulations
• Not having been declared bankrupt nor being in bankruptcy proceedings
• Swift collectability

• A copy of the Resident Identity Card (KTP)
• A copy of the Taxpayer Identification Number (NPWP) Card *)
• A copy of the Family Card
• A copy of the Spouse's Resident Identity Card (KTP)
• A copy of the Marriage Certificate
• A copy of the Certificate of Divorce/Death *)
• A copy of the Resident Identity Card (KTP) of the members of the Board of Directors and Board Commissioners **)
• A copy of the Resident Identity Card (KTP) of the Shareholders **)

*) Mandatory, if any, for individual borrowers; optional for business entities
**) Only for business entities

Required Documents for Collateral in the form of Real Property

• A copy of the Land Certificate
• A copy of the KTP and NPWP of the Collateral Owner (If the collateral is registered in the name of another person)
• A copy of the Building Permit (IMB)
• A copy of the latest Notice of PBB (Land and Building Tax) Due
• A copy of the proof of payment of the latest PBB (Land and Building Tax)

Required Documents for Collateral in the form of Time Deposit

• A copy of the time deposit placement certificate (bilyet deposito)

Financial Documents

• A copy of the Audited Financial Statements *)
• A copy of the Internal Financial Statements *)
• A copy of account statements for accounts opened at Other Banks (at least for the last 4 months)

*) Madatory, if any