Capital Loan

Hana Bank capital loan is a loan that able to use for company’s daily needs or activities, both permanent and temporary.

Types of Credit Loan:

• Revolving Loan
  It's a type of loan that can be utilized to fund working capital needs that have a relatively high fluctuation or turnover pattern.

  • Has a one-year loan period that can be extended.
  • Withdrawals can be made at any time using of cheque, bilyet giro and other legal documents.

• Installment Loan

  • The maximum loan period is up to 5 (five) years.
  • The facility is installment.
  • Withdrawals are made in accordance with the debtor's plan by withdrawal tolerance (availability period) according to the agreement.
  • The disbursement is transferred to the debtor's checking account or other account by bank's approval.

• Demand Loan

  • Has a one-year loan period and can be extended after maturity through re-evaluation.
  • Withdrawals are made on the basis of the agreed document or contract (underlying transaction).
  • Tend to be short-term revolving accounts with the ability to withdraw funds with prior notice to the bank by using promissory note.
  • The disbursement is transferred to the debtor's checking account or other account by bank's approval (own the relationship account).

• Fixed Loan

  • Has a one-year credit period and can be extended after maturity through re-evaluation.
  • Tend to non-revolving; generally withdrawals are made all at once, although it can be withdrawn in stages according to the agreement by using Promissory note.
  • The disbursement is transferred to the debtor's checking account or other account by bank's approval (own the relationship account).

The requirements document:

• Company legality (Deed of establishment & modification, Taxpayer Identification Number, Single Business Number)
• Legality of company management (ID card & Personal Tax ID of Directors and Commissioners)
• Financial statements for the last 3 years (audited) and financial statements for the current year (in-house)
• Account statements related to business transactions & operations for the last 6 months.
• Supplier/customer information.
• Collateral document (Landing certificate, Building Permits, Land and Building Tax, Equipment and Machinery List).
• Independent appraisal.
• Other documents references.