E-Learning RAC Pembiayaan

Summary

This script provides a detailed overview of the risk acceptance criteria (RAC) for various types of financing products at BSI, focusing on specific requirements for PNS, TNI, and Polri employees. It explains the conditions for payroll status, necessary documents, and the criteria for different types of pre-pension products such as Tri Berkah and DKD Berkah. It also outlines the various eligibility factors for financing, including age, payment history, and debt-to-service ratio (DSR). Additionally, it highlights the required documents for applying for financing and the various criteria for different employee segments.

Takeaways

• 😀 The script outlines the risk acceptance criteria for financing programs, focusing on various government and military personnel categories.
• 😀 For government employees (PNS) in vertical institutions, no instansi agreement (PKS) is required if the employee has payroll status or is committed to payroll, enabling financing.
• 😀 For government employees in horizontal institutions, an instansi agreement (PKS) is necessary for financing products such as pre-pension Tri Berkah and pre-pension DKD Berkah.
• 😀 TNI (Indonesian National Army) or Police personnel with payroll status or committed to payroll must have an instansi agreement (PKS) for accessing pre-pension products.
• 😀 Non-payroll TNI, Police, and PNS personnel are exempt from the instansi agreement (PKS) for accessing financing, but only pre-pension Tri Berkah products can be offered.
• 😀 Risk acceptance criteria for financing include that the customer must be an Indonesian citizen, with a maximum age of 74 years and 6 months at maturity.
• 😀 Applicants must not have any financing with other banks unless it's for takeover to BSI, and their creditworthiness must be in good standing for the last three months.
• 😀 Specific criteria for pre-pension DKD Berkah financing programs include a maximum 10-year service period for PNS and a 5-year service period for TNI and Police.
• 😀 For pre-pension Tri Berkah, a maximum of 3 years is allowed for the financing period, and the DSR (Debt Service Ratio) must be a maximum of 90% of estimated pension benefits.
• 😀 A list of required documents includes ID card (KTP), payslips, bank statement, and appointment letters, along with additional documents such as recommendation letters and consent forms.

Q & A

What is the first risk acceptance criterion for government employees (PNS) working in vertical institutions?

The first risk acceptance criterion for government employees (PNS) in vertical institutions is that the employee must be on the payroll at BSI or committed to payroll. If this condition is met, no institution PKS (agreement) is required for loan disbursement for the pre-pension Tri Berkah and DKD Berkah products.

Do government employees (PNS) working in horizontal institutions need a PKS to access loan disbursement?

Yes, government employees (PNS) working in horizontal institutions are required to have a PKS (agreement) to access loan disbursement, regardless of whether they are payroll or non-payroll.

What is the condition for disbursing loans to military (TNI) and police (Polri) personnel?

Military (TNI) and police (Polri) personnel need to be either on the payroll or committed to payroll at BSI. If so, a PKS (agreement) is required for loan disbursement for pre-pension products like Tri Berkah and DKD Berkah.

Are non-payroll government employees required to have a PKS for loan disbursement?

Non-payroll government employees do not require a PKS to access loan disbursement. However, only the pre-pension Tri Berkah product is available to them.

What is the maximum age at the time of loan maturity for eligible individuals?

The maximum age at the time of loan maturity for eligible individuals is 74 years and 6 months.

What are the key eligibility requirements for loan applicants regarding other loans?

Applicants must not have any existing loans with other banks unless it is for the purpose of a takeover to BSI. Additionally, the applicant must have a good credit record with all facilities being classified as 'lancar' (smooth) in the last 3 months and not undergoing restructuring.

What is the maximum loan-to-value (LTV) ratio for the pre-pension DKD Berkah program?

For the pre-pension DKD Berkah program, the maximum loan-to-value (LTV) ratio is 90% with the requirement of a statement letter and a valid DSR (Debt Service Ratio) for the pension period.

What additional documents are required for applicants applying for the pre-pension Tri Berkah program?

For the pre-pension Tri Berkah program, applicants must provide documents proving their estimated monthly pension benefits. The DSR (Debt Service Ratio) for the pension period is required, and the maximum LTV ratio is 90%.

What are the document requirements for calculating the loan financing?

Documents required for calculating loan financing include the applicant's KTP (ID card), two pay slips, a salary or bank account mutation statement, the first and last appointment SK (decree), and other relevant documents for verification.

What documents are necessary for collateral verification in financing applications?

Collateral verification for financing applications requires documents specific to the program. For the PPDB (Pre-Pension Loan Program), the first and last SK (decree) are needed, while for the PPTB (Pension Loan Program), a legalised copy or digital SK of the last appointment is required.