BNI Fleksi

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BNI Fleksi


Is a loan facility (KTA) provided to Active Employees who have fixed income, for consumptive purposes that do not conflict with applicable regulations or laws.

  • Maximum credit limit of up to 500 million Rupiah. *)
  • Maximum tenure of up to 15 years. *)
  • Without collateral requirements.

*) valid for Cooperation Pattern.

  • Indonesian Citizen.
  • Is an active employee with a minimum level of staff (permanent employee).
  • Has distributed payroll payment facility at BNI.
  • Minimum age of 21 years and maximum 65 years when the loan is paid off as evidenced by a Certificate/Decree from the authorized agency/company.
  • Complete the application form and specified documents.
  • Document requirements :
    Copy of Applicant’s ID.
    Copy of Personal NPWP/SPT PPH 21.
    Copy of the last 3 months Current account/savings account (not required if the payroll account is at BNI).
    Original Latest Salary Slip/Salary Certificate.
    The applicant's latest 4x6 photograph.
    Service Period Certificate from Superior.
    Statement Letter Will Not Transfer Payroll up to the Loan is paid-off (especially for debtors whose salary payments are through BNI).
BNI Fleksi


Interest RateParticipate in any Program or valid terms of BNI Fleksi.
Maximum LoanMinimum of Rp 5 Million and maximum of Rp 500 Million..
Administration FeeStarts from Rp 150,000.- or may use the valid program fee.
Provision Fee1% eenmaligh of the maximum loan or may use the valid program fee.
Life InsuranceDebtor must be covered with life insurance during the loan term and the insurance premium is paid by the debtor.