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    • Tend to non-revolving; generally withdrawals are made all at once, although it can be withdrawn in stages according to the agreement by using Promissory note.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.
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KEB Hana Bank

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