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Maybank Smart Cash

Maybank Smart Cash is a credit or financing facility secured by property collateral, with funds disbursed to a Maybank Current Account and available for flexible use according to your needs.

Monthly payments are based on the interest or profit-sharing amount applicable to the utilized financing balance.

If you do not yet have a Maybank Current Account, the account opening process can be completed simultaneously with your Maybank Smart Cash application.

Applications for Maybank Smart Cash can be submitted by visiting your nearest Maybank branch.

Features & Benefits

Can be used for various financing needs.

Financing amount ranging from IDR 1 billion to IDR 10 billion.

Property collateral accepted, including houses, shophouses, and apartments

Competitive interest/profit-sharing rates. For more information, click here

Financing tenure of up to 10 years.

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
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	Maybank Premier Customer	High Tier Premier Customer¹⁾
Provision	0.50% of the credit/financing limit.	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	Full early paid off/settlement Fee: 2% of the outstanding amount or a minimum of IDR 1,000,000, whichever is higher.
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 IDR20 billion.

Maybank Smart Cash

Features & Benefits

Term & Conditions

Employee

Self Employed

Professional

Product Summary Information

DIGITAL SOLUTIONS

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CREDIT CARD

LOANS

MAYBANK PREMIER

SHARIA

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ABOUT MAYBANK INDONESIA

CAREER

Maybank Smart Cash

Features & Benefits

Term & Conditions

Employee

Self Employed

Professional

Fee and Charge

Product Summary Information