Eligibility Requirements:
- Age: Minimum 21 years; maximum 58 years for employees, 60 years for self-employed.
- Employees: Must be a permanent employee with a minimum of 1 year in the current position. Self-Employed/Professionals: Must have at least 2 years in the current business or profession.
- Income Requirement: Minimum monthly income varies by region, starting from Rp2,500,000.
CIMB Niaga Xtra Dana application steps:
- Step 1: Ensure you meet the age, employment, and income requirements.
- Step 2: Gather required documents, including ID, income statement, and necessary permits.
- Step 3: Submit your application at a CIMB Niaga branch, online, or via OCTO Mobile/Clicks.
- Step 4: Await approval and receive your funds directly into your CIMB Niaga account.
- Step 5: Start repaying your loan with light monthly installments via auto-debit.
Frequently Asked Questions:
How long does it take to get approved for CIMB Niaga Xtra Dana?
Approval is typically fast, with funds disbursed shortly after document submission.
Is it required to explain why credit is being used?
Yes, detailing the loan’s purpose helps streamline the approval process.
Do I need to have a good credit score to be approved for CIMB Niaga Xtra Dana?
While a good credit score is beneficial, CIMB Niaga also considers other factors like income stability.
Can I apply for a loan if I am self-employed?
Yes, Xtra Dana is available for self-employed individuals, provided they meet the income and business experience requirements.