How to Apply for a Loan to Bank BRI and Its Types

The need for something urgent can occur in our daily lives. It's good that we have savings for something urgent so that bad things don't happen when the time comes. However, for those of you who still have shortcomings in this regard, then you don't need to worry. Because with a loan from the bank, a need that you have will be achieved. How to apply for a loan to the BRI bank can be done very easily. The loan that you will apply for can also be chosen according to your needs. To find out how to apply for a loan to this BRI bank, you can understand and follow the steps listed in the article below.

What is a BRI Bank Loan?

Bank BRI Loan is a financing facility provided by Bank BRI to meet the needs of customers. There are many types of BRI loans that are available, such as business loans, credit cards, home ownership loans (KPR), to vehicle ownership loans. As one of Indonesia's state banks, Bank BRI has a wide range of products from loans that are fairly complete. There are 17 types of BRI Bank loans that you can apply for according to the needs you have. Later you can choose what type of loan you can adjust to your needs such as education loans, working capital loans, investment loans, and others.

How to Apply for a Loan to BRI Bank

Applying for a loan to the BRI bank has requirements that must be met. However, you don't need to worry. Because these requirements are not something difficult to meet. Here are the ways you can apply for a loan starting from coming directly to the bank to through an online application.

How to Apply to the Branch Office

For those of you who want to apply for a loan at the BRI bank, you can do it easily by following the steps below. You can do the method below by visiting the nearest branch office, by bringing all the existing requirements. These methods are:

The first way is to visit the nearest BRI Branch Office. At the BRI Branch Office later, you are required to fill out the form of the loan that is in accordance with the type you will apply.
Next, you can complete a Requirement Document. You must complete the documents that will be needed such as KTP, NPWP, KK, BPKB (if you want to guarantee the vehicle), to a business certificate.
After that, the application from the loan will be processed. Then, BRI will process the submission that you submitted. Which will later be held a business feasibility test for prospective debtors and there will also be a survey to the field directly.
After all these processes, then you will wait for loan approval. If at this stage of the feasibility test you are considered to have met all the requirements, then Bank BRI will later approve the credit that you have applied.
Next, there was a contract signing. After the loan you apply for has been approved by the BRI bank, then you just need to sign a contract from the loan credit agreement made with the BRI.
The last is the disbursement of loan funds. BRI will immediately disburse the loan funds that you have applied for through the account that you have entered with the nominal amount that has been agreed by both parties.

How to Apply for a Loan to BRI KUR Online

Meanwhile, for those of you who don't want to bother by visiting a branch office, then you can do this application online. You can apply for this BRI KUR online loan with the steps below.

In the first step, you can open the official BRI website, namely kur.bri.co.id.
Next, you can select "Apply for a KUR Loan."
If you don't have an account yet, then you can choose to click "Register Now".
After that you are required to fill in data such as, fill in your full name, email address, password, followed by confirming the password.
Next, go to the checklist of requirements, and select "Register."
Then wait for a few days for you to get email address verification.
Then, click Agree to agree to each existing terms and conditions.
And lastly, you can follow the next steps listed.

How to Apply for a Loan to BRI Online

Here are the steps that you can apply to make BRI loans online, especially for microcredit.

Go to the official page at https://pinjaman.bri.co.id/.
Then, you can select the "Submission" menu.
Then select the "Simple Form" menu.
Furthermore, you can agree on the Terms and Conditions that apply.
Then you can click the Terms and Conditions Checklist.
After that, select "Agree" and then apply for a loan.
Lastly, you can continue to follow the next steps to choose a loan until it is completed.

How to Apply for a Loan Through the Application

Apart from going through the official website of the BRI bank, you can also apply for the loan on the BRISPOT application through the smartphone you have. The method is as follows:

If you don't have this BRISPOT application, then you can install it first through the Play Store or App Store on your smartphone.
After the application has been installed, then you can open the application which then registers by entering your personal data.
Next, you select the amount of the loan that you want.
Later, in the application, there will be various loan options from BRI banks such as Briguna Umum, Briguna Karya, Briguna Purna, and also Briguna Workers.
And finally, you can choose the type of loan you want and then follow the steps from applying for the loan until it is complete.

Types of BRI Bank Loans

This time we will learn what are the types of BRI bank loans. The types of loans owned by BRI banks vary. BRI provides its customers with several loan options that can be used to meet their needs in the future. For those of you who are curious about what kind of BRI bank loans are, you can understand them as follows.

Bank Loans BRI KPR

The first type of loan owned by Bank BRI is a Home Ownership Credit or commonly referred to as a BRI mortgage loan, which is one of the types of loans that can be used for property purchases. You will be able to apply for this loan if you are going to apply for the purchase of a house, used building, apartment, construction of a new house, renovation, or other property, and also a take over from another bank. However, to be able to get the loan, you are still required to make a payment in the form of a down payment with a minimum of 10 percent and the term of the loan is a maximum of 20 years.

KPRS BRI

The second type of loan belonging to Bank BRI is for those of you who own a house on a subsidized basis. This facility will be acceptable for prospective borrowers who have been included in the Low-Income Community (MBR) category, which has an income of less than IDR 4 million every month. This subsidized mortgage will provide a fixed rate of subsidy interest, which is 5 percent until the loan period is completed or for a maximum of 20 years. The advantage of this loan is that this mortgage can be free of charge from VAT and also installments every month and everything includes insurance.

Used and New Car KKB

The next type of loan is to purchase used and new motor vehicles. The type of motor vehicle loan or KKB used and new cars can later be adjusted to the car vehicle you will buy. One of the advantages of BRI's used and new car KKB loans is that it is free of provision fees. With only a down payment (DP) of 25 percent, you can get a loan from BRI credit to be able to make special car loans for all brands and types. However, the period to make installments is only for 6 years for new car loans and for 4 years for used car loans.

BRI Refinancing KKB

The next type of loan is KKB Refinancing which is a type of loan owned by Bank BRI to be used as a quick fund by guaranteeing a motor vehicle that you currently own. This KKB also has the advantage of free provision fees and also there are no special requirements that can make it difficult for prospective borrowers.

KKB Premium Motorcycles

The next type of loan from Bank BRI this time is a loan to complement your own lifestyle. This loan from BRI will be intended for those of you who want to make installment payments on luxury motorcycles whose price has reached hundreds of millions. If you have applied for this BRI loan, then the advantage that you will get later is the existence of free provisioning fees. Therefore, your loan will not be deducted with other costs that can make the loan nominal will decrease.

Briguna Karya

The next type of BRI loan is Briguna Karya whose system is like KTA. Briguna Karya is an Unsecured Credit given to debtors with a source of payment that comes from a source of fixed income (salary). The ceiling of this BRI Bank loan will be calculated from the income that will be received by the borrowers every month with a BRI credit period of 12-60 months. If you choose to apply for this loan, you can use it to finance various customer needs, which include productive to consumptive needs such as buying movable goods and also as wedding expenses.

Briguna Purna

The next type of BRI loan is a type of loan aimed at customers who have retired so that monthly payments will be taken from the pension fund they have with a BRI credit term of 15 years (180 months) or the debtor's age at the time of BRI credit maturity which reaches a maximum of 75 years.

General Briguna

The next loan is Briguna Umum which is a type of loan owned by Bank BRI for prospective debtors who use a source of payment from their fixed income or monthly salary since the customer has been an active employee until their retirement. The period for making this BRI credit has been determined to be up to 15 years or at the maximum age, namely, 75 years.

Education Brigade

The next type of loan is intended by Bank BRI for education costs. However, you can only use this loan for those who want to continue their education to a higher level, namely S2 and S3. So, you must have a steady income that can be proven through payslips. The maximum ceiling that can be provided by the Briguna Pendidikan loan is no more than IDR 250 million which has a maximum BRI credit term of 6 years for the S2 level and also for 10 years for the S3 level.

People's Business Credit

Furthermore, there is the People's Business Credit from BRI which is a type of loan owned by Bank BRI which is specifically intended for actors from micro, small, and medium enterprises or commonly referred to as MSMEs. However, the People's Business Credit BRI loan itself can only be processed for those who already have their own business and have been running for a minimum period of six months.

Kupedes

The next type of loan from BRI will be intended for individuals or business actors. This BRI Bank loan will apply to all sectors, such as trade, agriculture, services, industry, and other sectors. So, also make sure you are one of these business actors to be able to get a loan from this BRI bank.

Working Capital Credit

Furthermore, there is the BRI Working Capital Credit which is a type of loan from Bank BRI which is used to be able to finance business operations which are included as a need for the procurement of raw materials, receivables, production processes, and inventory. In other words, you can get the loan if you are in need of more capital for the operation of the business.

Investment Credit

There is an Investment Credit from BRI which is a type of BRI loan that is used to finance capital goods or fixed assets of the company, such as the procurement of equipment, machinery, vehicles, buildings, and others. The term of this loan will be quite long, namely with a period of more than one year, where the installment can be adjusted to the ability of the company's cash flow. To be able to apply for this type of loan, you must come to a BRI branch office. With the condition, you already have a business to be able to apply for this credit.

Food Credit

Furthermore, there is Food Credit by Bank BRI which is a type of loan from Bank BRI in the form of investment credit or special commercial working capital in the food sector. This credit will be given in order to support food sovereignty and also maritime in Indonesia.

Warehouse Receipt

Furthermore, there is a BRI Warehouse Receipt loan which is a type of BRI Bank loan that has a Warehouse Receipt guarantee by being given to farmers, groups of farmers, and a cooperative. For the time of this loan, this loan has a maximum term of up to 6 years with a maximum ceiling of 70 percent of the value of warehouse receipts and also an effective interest of 6 percent every year.

Partnership Credit

Furthermore, there is the BRI Partnership Credit which is a Partnership Program Credit fund to be able to finance a working capital, as well as the purchase of fixed assets in order to be able to increase production and sales. However, for economic sectors that can get all these credit facilities, it is only in industry, agriculture, trade, livestock, fisheries, plantations, and services.

BRI Ceria Online Loan

And finally, the most recent type of BRI Bank loan is the BRI Ceria online loan. Which this loan is only available through the BRI Ceria online loan (fintech) application which you can use to shop at various existing merchants. If you use this loan, then you can do online shopping without having to have any credit card.

Requirements for Applying for a Loan

Before you apply for a loan, of course there are requirements that you must meet. The following are the requirements for a money loan at a BRI bank that you can prepare in advance.

The borrower's age must be at least 21 years old.
The maximum age of the borrower reaches 75 years.
Copy of Identity Card (KTP).
Copy of family card (KK).
Copy of BRI Passbook.
Original certificate of first and last appointment as an employee.
Proof of Income or payslip.
Taxpayer identification number (NPWP).
Form of loan application application.

How to Apply for a Loan to BRI Syariah

There are several steps that you can take to be able to get a loan from BRI Syariah. You can understand the steps as follows.

Contact BRI Syariah. You can directly contact the party from BRI Syariah to be able to make a loan. You can ask what conditions will be needed when contacting the BRI Syariah to be able to make a loan at BRI Syariah.
Prepare complete documents. If you already know what the conditions must be met, then you must prepare some documents that will be needed. The faster a document that you have prepared, the faster the process of borrowing will be.
Submit a loan proposal. When submitting a proposal, you must ensure that you have been approved for the proposal. Later, the BRI Syariah bank will review directly, whether you have taken another loan or not.
Result. If each process has been carried out, you can wait for the verification process by Bank BRI Syariah. If your application has been approved, then you will be contacted and the funds from your loan will be immediately disbursed by BRI Syariah.

Requirements for Applying for a Loan to BRI Syariah

There are conditions that you must meet to be able to get a loan from the BRI Syariah bank. These conditions are:

Prospective customers are individuals.
Prospective customers already have a productive business.
The business has been running for at least 6 months.
Prospective customers are not registered on the national blacklist of bank Indonesia (DHN BI).
The minimum age of prospective customers is 21 years old for unmarried people and 18 years old for married people.
The maximum age of the customer at maturity is 65 years.
Prospective customers must be ensured that they do not have credit or financing with the aim of financing working capital.
The results of the financial information service system (SILK) must be smooth collectability.
Make sure to fill out a financing application form.

The documents that you must fulfill are as follows.

A copy of the identity card, namely the ID card.
Copy of Family Card.
A copy of the Taxpayer Identification Number (NPWP) for those who have financing above 50 million Rupiah.
A copy of the marriage book for married people or an unmarried certificate from the village for prospective unmarried customers.
A business certificate that has been issued from the village.
Financial records or business sales notes.
The collateral needed is in accordance with the type of KUR that you have chosen.

After knowing how to apply for a loan to a BRI bank and also other discussions about the BRI loan, you still have to look for other information on the type of loan that you will choose as a loan to meet your needs. Also make sure the terms and conditions exist to apply for the loan.

Thus the information from GICTIndonesia regarding "How to Apply for a Loan to Bank BRI and Its Types". Find other information about cryptocurrencies, chart patterns, banks and other financial things, such as Central Banks only in the GIC Journal.