The right business location is an important factor to support business growth. Fulfill your need to own a strategic kiosk/ shophouse/ office houses, office building, office space, warehouse using the principle of rent or installments through Maybank Sharia Commercial Property Financing using the Ijarah Muntahiyah Bit Tamlik (IMBT) contract.

FITUR

Competitive Pricing/ rates

Financing period up to 15 years

Properties that can be financed are kiosks, shop houses/office houses, warehouses, factories, office space, office buildings

Using the IMBT contract with a choice of lease (direct lease) or lease purchase (sale and lease back)

Asset ownership on behalf of the Customer.

BENEFIT

Better Business Finance

Payment of financing obligations is recorded as rental or business operating expenses which will be a deduction factor for gross income.
The total payment of customer obligations is lighter than other contracts or business financing schemes.

Maintained Business Cash Flow

The payment mechanism is in accordance with the needs of the Customer and the Bank's policies.
Better/efficient tax planning.
Depreciation of assets only over the term of the financing.

Requirements and documents required:

Business entity (PT, CV) that has been running for at least 3 years.
For individuals with a minimum age of 21 years and a maximum of 70 years when the facility ends.
Not included in the black list of Bank Indonesia.
Indonesian Citizen (WNI) and/or Indonesian Legal Entity.
Other terms and conditions refer to other financing terms and conditions applicable at the Bank.

DOCUMENT TYPE	INDIVIDUALS	Business Entity
KTP (ID Card) of the applicant (including his/her spouse if married and the owner of the guarantee/caretaker and shareholders)	V	V
Marriage / divorce certificate	V	-
Family Certificate	V	-
Deed of Marriage Agreement / Separation of Assets (If any)	V	-
Debtor NPWP (tax ID Number)	V	V
Business license	V	V
Company's Articles of Association (complete) with approval from the Ministry of Law and Human Rights	-	V
Current Account/ Savings Account for the last 6 months	V	V
Certificate of HGB/ HM, IMB, PBB last year	V	V

Frequently Asked Questions (FAQ)

1.	What is commercial property financing with an IMBT contract?
	This is financing to meet customer needs for commercial property assets, which use Sharia principles based on direct leasing or sale & lease back, for business property needs such as: kiosks, shop houses, warehouses, factories, office space and office buildings.
2.	What is a direct lease and sale and lease back scheme?
	Direct leases are financing for the purchase of commercial property assets through direct purchases based on Sharia principles. Sale and lease back are financing to meet the cash flow needs of the Customer, through the mechanism of refinancing/selling of commercial property assets owned by the Customer with Sharia principles to the Bank, or take over of facilities/transfer of financing facilities from other non- Bank Bank/LK. Furthermore, the assets are leased back from the Bank to the Customer..
3.	Does Maybank have a limit on the types of properties that can be financed?
	The Bank does not limit the types of business property that can be financed as long as it does not conflict with Sharia principles.
4.	What is the financing limit from Maybank Commercial Property Financing and what is the rate?
	The Bank can provide commercial property financing according to the property price required by the Customer starting from IDR100,000,000, with competitive pricing according to the Bank's policy, the value of which will be informed when the Customer applies for financing
5.	How do Customers apply for financing?
	Customers can visit agents/commercial property developers who have collaborated with Maybank or visit Maybank Branch Offices throughout Indonesia.

FITUR

BENEFIT

Better Business Finance

Maintained Business Cash Flow

Frequently Asked Questions (FAQ)

Deposit & Investment

Financing

Transaction Banking

Sharia

Custody Service