30 May 2024

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A Guide to Owning Your Dream Vehicle with Vehicle Ownership Loan (K3)

Vehicle Ownership Credit (K3) is a financing facility provided by banks or financial institutions for the purchase of new or used vehicles. Specifically for used vehicles, banks usually set an age limit for vehicles eligible for financing in accordance with their policies.

Advantages 
Vehicle ownership is possible even with limited funds, as K3 financing is available.

Things to Consider

1. Choose a vehicle that suits your needs and is within your financial capacity.Buy the vehicle from an authorized dealer or showroom that has a partnership with the bank.
2. Buy the vehicle from an authorized dealer or showroom that has a partnership with the bank.
3. Ensure the vehicle has all necessary documents and is not restricted by the police.
4. Carefully review the credit terms and conditions, including the method of interest calculation, installment payments, early repayment, and other details.
5. Prepare the down payment, which is your responsibility, as banks generally do not finance the full price of the vehicle to be purchased.
    

Requirements

1. Photocopy of identification documents.
2. Salary slip/income statement.
3. Photocopy of bank account statement.
4. The type, brand, and year of the vehicle eligible for K3 financing are in accordance with the bank's regulations.
    

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Sumber: https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Category/48

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