Learn the easy and fast way to apply for a BRI KUR loan online, complete with information on the requirements, process, and benefits that can be obtained.
BRI People’s Business Credit (KUR) is a loan facility designed to help entrepreneurs, both beginners and experienced, in obtaining business capital.
With the availability of BRI KUR loan application services online, the process of obtaining business funding assistance is now easier, faster, and more efficient.
The online application system allows entrepreneurs to apply for loans anytime and anywhere without having to come to the bank.
Below, we will provide a complete guide on how to apply for a BRI KUR Loan online, the requirements that must be met, and the various benefits that you can enjoy.
How to Apply for a BRI KUR Loan Online
Applying for a BRI KUR loan online only requires a few easy steps that you can do directly from your smartphone device. Here are the steps to follow:
1. Access the BRI Mobile Application
The first step is to download and install the BRI Mobile application on your mobile device. The app is available on Google Play Store (for Android users) and App Store (for iPhone users).
Once installed, open the BRI Mobile app to start the application process.
2. Login or Register a BRI Account
If you already have a BRI account, simply log in using your registered username and password. However, if you don’t have a BRI account yet, you need to register first.
BRI account registration can be done via the BRI Mobile application by following the instructions provided.
3. Select the “KUR Loan” menu
After successfully logging in, you will be directed to the main page of the BRI Mobile application. Find and select the “KUR Loan” menu available in the main menu of the application.
After selecting this menu, you will be directed to the KUR loan application page.
4. Fill in the Application Form
On the KUR loan application page, you will be asked to fill out a form with personal information, business information, and the amount of the loan you wish to apply for.
Make sure you fill in the data carefully and completely, because accurate data will expedite the application process.
5. Upload Required Documents
Documents that need to be uploaded include KTP (for personal identification), NPWP (if any), business license (if you already have a business), and BRI bank account (if you already have one).
All of these documents can be uploaded in digital format via the application.
6. Data Verification and Submission
After filling out the form and uploading documents, make sure the data you entered is correct and appropriate.
If you are sure, click the “Submit” button to submit a KUR loan application to BRI. After that, the bank will verify the data and documents you sent.
7. Wait for Approval
Once the application is submitted, you only need to wait for the verification process which usually takes 1 to 3 business days.
If your application is approved, you will receive a notification about the application status, and the loan funds will be transferred to your account immediately.
How long does the BRI Online KUR application process take?
The process of applying for a BRI KUR loan online is generally fast. After all the required documents are complete and valid, you will usually receive information on the application status within 1 to 3 working days.
If the application is approved, the loan funds will immediately enter the account you registered.
BRI KUR Loan Application Requirements
Although applying for a BRI KUR loan online is very easy, you still have to meet several requirements set by the bank. Here are the main requirements for applying for a BRI KUR loan:
- Indonesian Citizens (WNI): Applications can only be made by Indonesian citizens.
- age 21 years and maximum 65 years when the loan is paid off: The borrower’s age must be in accordance with these provisions for the application to be accepted.
- Have a business that has been running for at least 6 months: For those who already have a business, the business must have been running for at least 6 months.
- Have a valid identity document (KTP): KTP is a mandatory document that must be uploaded when applying.
- Business documents (if any): For entrepreneurs who already have a business, they must attach a business license or other evidence.
- BRI bank account (if any): Entrepreneurs who already have a BRI account will find it easier to apply.
Can BRI KUR Application Be Rejected?
Yes, BRI KUR applications can be rejected if there are discrepancies or deficiencies in the data and documents you submit. For example, invalid identity documents, incomplete business licenses, or if you do not meet the age or business status requirements.
Therefore, make sure all the documents you upload are complete and in accordance with the requirements set so that the application can be approved.
Benefits of Applying for BRI KUR Online
Applying for a BRI KUR loan online has many advantages that make it increasingly popular among entrepreneurs. Here are some of the benefits you can enjoy:
1. Fast and Easy Application Process
Applying for a BRI KUR loan online allows you to apply for a loan anytime and anywhere. You don’t have to bother coming to the bank in person. The easy and fast application process allows you to get the funds you need immediately.
2. Relatively Low Interest
One of the main advantages of BRI KUR is the lower interest compared to other types of loans. This makes BRI KUR an attractive choice for entrepreneurs who want to develop their business without being burdened by high interest rates.
3. Large Loan Ceiling
BRI KUR Loans provide a fairly large loan ceiling, up to IDR 500 million, which is very useful for entrepreneurs who need large funds to develop their business.
4. Flexible Payment Tenor
You can choose the payment term according to your financial capabilities, starting from 12 months to 60 months. With various tenor options, you can adjust the installments to your business’s financial condition.
Administration Fee for Online BRI KUR Application
Online BRI KUR loan application is not subject to administration fees or application fees. All costs related to the loan will be explained transparently after the application is approved.
You don’t need to worry about hidden costs that can add to your financial burden.
Tracking BRI KUR Loan Application Status
After applying for a loan, you can monitor the application status via the BRI Mobile application. In this application, you can see whether your application is approved, still in process, or rejected.
By monitoring the application status directly, you can easily find out the progress of your loan application. The online KUR BRI loan application process provides convenience and comfort for entrepreneurs who need business capital.
With easy requirements, fast process, low interest, and large loan ceilings, KUR BRI is the best solution for developing a business. Don’t hesitate to take advantage of the KUR Mandiri and KUR BRI loan application facilities online and apply for your loan today!
