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Every right financial decision today can create greater opportunities for tomorrow. When liquidity is needed, there is no need to rush into liquidating the investments you have.

With Maybank Instant Cash or Maybank Instant Financing iB, you can leverage your existing savings and investments held with Maybank as collateral to obtain financing according to your needs.

The pledged savings and investments do not need to be liquidated, continue to earn interest or returns in accordance with the terms and conditions of the respective products. Eligible assets include:

Maybank Savings Account/Savings Account iB
Maybank Current Account/Current Account iB
Maybank Time Deposit/Time Deposit iB
Government Bonds/Sukuk

Available under both regular and Shariah-compliant financing schemes, the facility allows you to make monthly principal and interest/profit payments while maintaining your underlying financial assets.

It is a practical solution designed to help you achieve the right balance between immediate liquidity and long-term asset growth.

To apply for Maybank Instant Cash/Instant Financing iB, please visit your nearest Maybank branch or contact your Relationship Manager (RM).

Find a Maybank Branch CLICK HERE

Features & Benefits

Preserve Your Assets

Access the funds you need without liquidating your time deposits, savings, government bonds, or sukuk. Your assets remain invested in accordance with the terms and conditions of the respective products.

Flexible Liquidity

Unlock the value of your eligible financial assets by using them as collateral to obtain financing for a wide range of personal or financial needs.

Flexible Tenure

Financing tenure of up to 10 years, subject to applicable terms and conditions.

Competitive Rates

Enjoy competitive interest rates or profit-sharing rates, depending on the financing scheme selected. Interest rate information click here Return Rate Information click here

Shariah-Compliant Financing

Maybank Instant Financing iB is structured based on the Musyarakah Mutanaqisah (MMQ) contract and is designed to comply with Shariah principles.

Financing Limit

Financing facilities are available from IDR250 million up to IDR10 billion, subject to applicable terms and conditions.

Term & Conditions

Employee

Self Employed

Professional

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
Statement of Asset Ownership or an Offer Letter for the purchase of an asset.*)

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
Statement of Asset Ownership or an Offer Letter for the purchase of an asset.*)

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
Statement of Asset Ownership or an Offer Letter for the purchase of an asset.*)

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 Instant Financing iB, based on the Musyarakah Mutanaqisah (MMQ) contract, is structured as a partnership between Maybank and the Customer in the ownership of a property based on an agreed ownership ratio (nisbah). The Customer's installments are used to gradually acquire the Bank's ownership share in the property. Through this arrangement, the Customer's ownership share increases progressively until, upon completion of the financing term, the Customer holds 100% ownership of the property.

**Applicable specifically to financing under the Shariah-compliant scheme.

Fee and Charge	General Customer	Premier Customer	High Tier Premier Customer*⁾
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
Notary Fee	In accordance with regulations
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. The early repayment fee for Instant Financing iB is stated as a fixed amount in Indonesian Rupiah.
Monthly Instalment Credit/Financing Facility Administration Fee	IDR20,000 per facility per month, debited on the 10th of each month

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

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.

Every right financial decision today can create greater opportunities for tomorrow. When liquidity is needed, there is no need to rush into liquidating the investments you have.

Features & Benefits

Term & Conditions

Employee

Self Employed

Professional

Product Summary Information

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Every right financial decision today can create greater opportunities for tomorrow. When liquidity is needed, there is no need to rush into liquidating the investments you have.

Features & Benefits

Term & Conditions

Employee

Self Employed

Professional

Fee and Charge

Fee and Charge

Product Summary Information