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Maybank Instant Cash/Instant Financing iB

A loan/financing facility secured by deposits and/or investments, including Maybank Savings Accounts/Current Accounts (Giro) and investment products such as time deposits, Government Securities (SBN), bonds, and government sukuk.

The pledged collateral does not need to be liquidated and will continue to earn interest/profit returns in accordance with the terms and conditions of the respective Maybank product, including Sharia-compliant products.

Monthly loan/financing repayments consist of the principal amount plus interest/profit returns.

If you do not yet have a Maybank Current Account (Giro) or Giro iB account, it can be opened simultaneously with your application for Maybank Instant Cash / Instant Financing iB.

Applications for Maybank Instant Cash / Instant Financing iB can be submitted by visiting the nearest Maybank branch.

Features & Benefits

Can be used for various financing needs.

Loan/financing amounts ranging from IDR 250 million to IDR 10 billion.

Collateral may consist of Maybank Savings Accounts/Current Accounts (Giro) and investment products such as time deposits, Government Securities (SBN), bonds, and government sukuk.

Competitive interest/profit return rates. For complete information, click here

Financing tenure of up to 10 years.

Instant Financing iB contracts:
- Musyarakah Mutanaqisah (MMq)*

* For Maybank Instant Financing iB based on the Musyarakah Mutanaqisah (MMq) contract, the financing is structured as a capital partnership between Maybank and the Customer for property ownership according to an agreed profit-sharing ratio (nisbah). The Customer's installment payments are used to gradually purchase the Bank’s ownership share, so that by the end of the financing period, the Customer will own 100% of the property.

Application Form
Copy of debtor’s and spouse ID
Copy of Family Card
Copy of Marriage/ Divorced/ Death/ Prenuptial Agreement
Original company reference letter
Original salary slip
Copy of last 3 months saving account
Copy of NPWP
Certificate, IMB, Building Plan, AJB and PBB

Eligibility

Indonesian citizen
Minimal age is 25 years and maximal is 55 years at the end of the tenure.
Having fix income
Minimal working experience is 2 years
Residence, working and collateral location is within Maybank operational coverage area

Application Form
Copy of debtor’s and spouse ID
Copy of Family Card
Copy of Marriage/ Divorced/ Death/ Prenuptial Agreement
Copy of Article of Association and its Amendments, Trade License (NPWP, SIUP and TDP)
Copy of last 3 months saving account
Copy of NPWP
Certificate, IMB, Building Plan, AJB and PBB

Eligibility

Indonesian citizen
Minimal age is 25 years and maximal is 65 years at the end of the tenure.
Having regular income
Minimal working experience is 3 years
Residence, working and collateral location is within Maybank operational coverage area

Application Form
Copy of debtor’s and spouse ID
Copy of Family Card
Copy of Marriage/ Divorced/ Death/ Prenuptial Agreement
Copy of Practical License
Copy of last 3 months saving account
Copy of NPWP
Certificate, IMB, Building Plan, AJB and PBB

Eligibility

Indonesian citizen
Minimal age is 25 years and maximal is 65 years at the end of the tenure.
Having regular income
Minimal working experience is 3 years
Residence, working and collateral location is within Maybank operational coverage area

Maybank Branch Location Information click here

Fee and Charge	General Customer	Premier Customer	High Tier Premier Customer¹⁾
Provision	0.50% of the credit/financing limit. For Instant Financing iB, recorded as Financing Administration Fee	Free	Free
Financing Administration Fee	0.60% of the credit/financing limit	0.50% of the credit/financing limit.	0.40% of the credit/financing limit.
Life Insurance Premium/ Contribution Fee	In accordance with regulations
Fire Insurance Premium/ Contribution Fee	In accordance with regulations
Notary Fee	In accordance with regulations
Internal Appraisal Fee	IDR750,000 (credit/financing limit < IDR1 miliar) IDR1,000,000 (credit/financing limit ≥ IDR1 miliar)
Early Paid Off/Settlement Fee	Partial or full early paid off/settlement Fee: 2% of the outstanding amount or a minimum of IDR1,000,000, whichever is higher. For Instant Financing iB, the fee should be stated as a nominal amount.
Monthly Instalment Credit/Financing Facility Administration Fee	IDR20,000 per facility per month, debited on the 10th of each month
Credit/Financing Agreement and Pledge Registration Fee (specifically for Saving Account, Current Account, Time Deposit and Bond Collateral)	IDR300,000 per facility, payable upon execution of the credit agreement/financing agreement

¹⁾High Tier Premier Customers are customers with AUM/TRB exceeding IDR 20 billion.

Maybank Instant Cash/Instant Financing iB

Features & Benefits

Term & Conditions

Employee

Self Employed

Professional

Product Summary Information

DIGITAL SOLUTIONS

DEPOSITS

CREDIT CARD

LOANS

MAYBANK PREMIER

SHARIA

OTHERS

ABOUT MAYBANK INDONESIA

CAREER

Maybank Instant Cash/Instant Financing iB

Features & Benefits

Term & Conditions

Employee

Self Employed

Professional

Fee and Charge

Product Summary Information