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Optimize Your Property Assets for More Flexible Liquidity

Property is one of your most valuable assets and can be leveraged to give you more financial flexibility for home renovations, education, and other family needs.

Unlock the value of your property through a flexible multipurpose financing facility with Maybank Smart Cash secured by your property as collateral, The financing is disbursed into your Maybank Current Account, giving you the flexibility to use the funds for your needs without having to sell your property.

Interest/profit payments are based on the outstanding amount you use and are paid monthly, so you only pay based on the financing utilized.

Apply for Maybank Smart Cash by visiting your nearest Maybank branch.

Maybank Branch Locations
CLICK HERE

Don’t have a Maybank Current Account yet? No worries. You can open your account at the same time as your application for Maybank Smart Cash.

Maybank Current Account Information
CLICK HERE

Features & Benefits

Flexible Repayment

Pay interest/profit based on the amount you use (outstanding balance), with principal repayment made gradually.

For Your Everyday and Important Needs

Use the funds for home renovations, education, weddings, healthcare, or other personal and family needs.

Financing Tenor

Up to 10 years

Financing Limit

Available financing from IDR1 billion up to IDR10 billion.

Competitive Pricing

Enjoy competitive interest/profit rates. View Interest/Profit Rates click here

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 Smart Cash Collateral Location = Jabodetabek, Bandung, Semarang, Surabaya, and Medan.

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.

Optimize Your Property Assets for More Flexible Liquidity

Features & Benefits

Term & Conditions

Employee

Self Employed

Professional

Product Summary Information

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Optimize Your Property Assets for More Flexible Liquidity

Features & Benefits

Term & Conditions

Employee

Self Employed

Professional

Fee and Charge

Product Summary Information