Ease of owning consumer goods

Can pay in installments in installments that will not change during the agreement period.

Intended for Civil Service/TNI-POLRI employees who have received the right to pension benefits either because they have reached the Retirement Age Limit, or at their own request, or have been honorably dismissed with pension rights; or recipients of widow/widower pensions from civil servants/TNI-POLRI.

Indonesian citizens who have received pension rights from government agencies must be at least 40 years old

Age of prospective customers who can be provided with financing:

• Widowers (men) and retirees: 55 years

• Widows (women) and retirees: 65 years

• Retired: 40 years

The maximum age limit for regular customers at the time the financing is paid off is 75 years, while for platinum (special additional principal through channeling, the maximum is 80 years)

The financing amount for each customer is set at a minimum of IDR. 5,000,000,- and the maximum is IDR. 300,000,000,-

Debt Burden Ratio (DBR) is a maximum of 70% of the pension benefit funds (basic salary + allowances) received per month. If the customer's needs and/or requests exceed the specified DBR, the person concerned is required to complete a salary request form with a maximum DBR of 90%

The iB Pension Financing period is set at a minimum of 1 year and a maximum of 15 years.

The down payment is set at a minimum of 0% of the purchase price of the goods, however if necessary the Bank can set the Down Payment at a certain percentage based on the results of the committee's decision.

The institution that pays the customer's pension funds is KB Bank;

Employee:

• Copy of KTP or Passport

• Copy of employee identity card

• Last pay slip

• Copy NPWP

• Joint income:

  • Copy of husband's or wife's ID card or passport

  • Copy of husband or wife's employee identity card

  • Copy of family card

  • The husband's or wife's last pay slip

  • Husband or wife's consent

Self-employed

• Copy of KTP or Passport

• Bank statement for the last 3 months

• Copy NPWP

• Joint income:

  • Copy of husband's or wife's ID card or passport

  • Copy of family card

  • Bank statement for the last 3 months of the husband or wife

  • Husband or wife's consent

Profesional

• Copy of KTP or Passport

• Bank statement for the last 3 months

• Copy NPWP

• Joint income:

  • Copy of husband's or wife's ID card or passport

  • Copy of family card

  • Bank statement for the last 3 months of the husband or wife

  • Husband or wife's consent

The administration fee is 1% of the iB SiAga Pensiun financing

The bank has the right to reject product applications submitted if they do not meet the requirements, applicable regulations and sharia principles