5:26 PM
Rudy Santoso
YouTube - PT Bank Mandiri Tbk is ready to provide loans apartment (KPA) used to facilitate the high demand for housing suitable for habitation by the community.According to Executive Vice President of Consumer Loans Bank Mandiri, Sarastri Baskoro, this new credit products for national banks. Bank Mandiri wants to appreciate the ever-increasing demand for apartments.
"We have invested in apartment ownership is one of the profitable investment so that the need for apartment units tend to increase," he said in a written statement received by VIVAnews.
This former apartment loan products, said Sarastri, offered with competitive interest rates and new policies in several locations. A number of former apartments that have been able to obtain a secondary NAC service is Cosmopolitan Tower, Empire, and the Ritz Kemang Village Residence.
Apart Apartment Ownership Loan Secondary, he added, the bank also provides other programs such as mortgages Take Over, Top Up mortgages, and mortgage Multi Guna.
For information, until September 2011, the bank has disbursed housing loans (mortgages) Rp4, 68 trillion to about 160 thousand customers across Indonesia. The amount is growing at about 20.22 percent of KPR distribution for the same period last year amounted to Rp3, 89 trillion.
There are several joint venture general insurance companies in Indonesia, in affiliation and partnership with reputable European, North American and Japanese insurance firms. When it comes to choosing an insurance company, the issue is usually trust - and who you feel comfortable dealing with. So a trusted company from your home country with familiar policy structures and claims procedures may be easier to deal with. Some Joint venture general insurance companies in Indonesia also offer reliable medical insurance. All of them offer traveler's, homeowners’ and household insurance, personal liability insurance and - , car/motor vehicle (third party, own damage, personal accident driver/passenger) and life insurance - with terms you can understand (wordings of insurance policies in Bahasa Indonesia and in English).
If you are coming to Indonesia with a local firm, don't assume they will offer the same comprehensive insurance coverage you would receive if working for a multinational company. Expats, in general, have a higher insurance awareness than most Indonesians, and this is reflected in company benefit policies. Many companies cover medical expenses under a reimbursement scheme to cover medical expenses, instead of an insurance policy. This means that all (or a percentage of) medical expenses are directly reimbursed by the company. Some companies set limits for lower-level employees, for example reimbursements up to a set amount per year or up to the equivalent of one month's gross salary.
Don't assume that because you are an expat you are somehow exempt from the current political turmoil and unrest in Indonesia. While expats are not targeted per se - we are, in general, conceived of as being wealthy. Most criminal elements are afraid to steal from expats (they're afraid you have some kind of special clout). Persistent rumors that the police deal very harshly with thieves who target expats also helps to deter crimes against expats. One of the most common crimes against expats is household robberies which are usually perpetrated by a seriously disgruntled ex-household staff member. Seldom are things recovered that have been stolen due to the lack of investigating capabilities of the police. So, sentimental items, ones you can't bear to lose, are best left in your home country. Foreign installations, factories, mines and plants, are under increasing pressure due to the new regionalization of power and authority in the country. Decades of perceived injustice, where multinationals collaborated with the powers that be in Jakarta (the former president's family and his cronies) to extract the wealth from the provinces, has led in the last year to increasing cases of vandalism and destruction of foreign property. Companies should insure adequate coverage in these cases.
While car insurance is not required in Indonesia, the bank requires insurance if a car is financed. With the high prices of cars in Indonesia, this moving asset is exposed to unpredictable traffic, reckless drivers, flood, theft, and such petty theft as lifting of rear view mirrors and hubcaps. Indonesian drivers have also been known to duplicate car keys, which are later given to thieves to steal the car. Make sure you know exactly what your coverage would be in this instance. Stolen cars are seldom recovered; they are cut up for spare parts or the license plate is changed or they are quickly shipped to the provinces. In the few rare instances in which a stolen car is recovered, they are usually in terrible shape. To guard against theft - it is best to hire a driver that comes highly recommended by someone who has employed him for a significant period of time.
