{"id":1538,"date":"2025-06-25T13:56:14","date_gmt":"2025-06-25T06:56:14","guid":{"rendered":"https:\/\/moladinfinance.com\/artikel\/?post_type=agent-apps-banners&#038;p=1538"},"modified":"2025-07-02T13:24:08","modified_gmt":"2025-07-02T06:24:08","slug":"faq","status":"publish","type":"agent-apps-banners","link":"https:\/\/moladinfinance.com\/artikel\/agent-apps-banners\/faq","title":{"rendered":"FAQ"},"content":{"rendered":"<p><strong>1. Apa saja Produk yang ditawarkan oleh MOFI?<\/strong><\/p>\n<ul>\n<li><span data-sheets-root=\"1\">Pembiayaan Jaminan Properti<\/span><\/li>\n<li><span data-sheets-root=\"1\">Pembiayaan Jaminan BPKB Mobil<\/span><\/li>\n<\/ul>\n<p><strong>2. Apa itu pembiayaan dengan jaminan properti?<\/strong><\/p>\n<p><span data-sheets-root=\"1\">Fasilitas pembiayaan modal kerja, investasi, atau multiguna dengan menggunakan sertifikat properti sebagai jaminan pinjaman.<\/span><\/p>\n<p><strong>3. Apa itu pembiayaan dengan jaminan BPKB Mobil?<\/strong><\/p>\n<p><span data-sheets-root=\"1\">Fasilitas pembiayaan modal kerja atau multiguna dengan menggunakan BPKB mobil bekas sebagai jaminan pinjaman.<\/span><\/p>\n<p><strong>4. Siapa yang dapat mengajukan produk ini?<\/strong><\/p>\n<ul>\n<li><span data-sheets-root=\"1\">Karyawan<\/span><\/li>\n<li><span data-sheets-root=\"1\">Wirausaha aktif minimal 2 tahun<\/span><\/li>\n<li><span data-sheets-root=\"1\">Badan Usaha (PT)<\/span><\/li>\n<\/ul>\n<p><strong>5. Dokumen apa saja yang dapat dijadikan jaminan?<\/strong><\/p>\n<p><span data-sheets-root=\"1\">Pembiayaan jaminan properti:<\/span><\/p>\n<ul>\n<li><span data-sheets-root=\"1\">SHGB (Sertifikat Hak Guna Bangunan)<\/span><\/li>\n<li><span data-sheets-root=\"1\">SHM (Sertifikat Hak Milik)<\/span><\/li>\n<li>SHMSRS (Sertifikat Hak Milik atas Satuan Rumah Susun)<\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\">Pembiayaan jaminan BPKB mobil:<\/span><\/p>\n<ul>\n<li><span data-sheets-root=\"1\">BPKB dan Faktur mobil bekas<\/span><\/li>\n<\/ul>\n<p><strong>6. Jenis properti apa saja yang dapat dijadikan jaminan properti?<\/strong><\/p>\n<ul>\n<li><span data-sheets-root=\"1\">Jaminan Sertifikat Kantor\/Gudang<\/span><\/li>\n<li><span data-sheets-root=\"1\">Jaminan Sertifikat Apartemen<\/span><\/li>\n<li><span data-sheets-root=\"1\">Jaminan Sertifikat Rumah<\/span><\/li>\n<li><span data-sheets-root=\"1\">Jaminan Sertifikat Ruko\/Rukan<\/span><\/li>\n<li><span data-sheets-root=\"1\">Jaminan Sertifikat Kos\/Kontrakan<\/span><\/li>\n<\/ul>\n<p><strong>7. Berapa minimal dan maksimal jumlah pembiayaan yang bisa diberikan?<\/strong><\/p>\n<p><span data-sheets-root=\"1\">Pembiayaan jaminan properti:<\/span><\/p>\n<ul>\n<li><span data-sheets-root=\"1\">minimal 300 Juta<\/span><\/li>\n<li>maksimal 10 Miliar<\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\">Pembiayaan jaminan BPKB mobil:<\/span><\/p>\n<ul>\n<li><span data-sheets-root=\"1\">minimal 30 Juta<\/span><\/li>\n<li><span data-sheets-root=\"1\">maksimal 1 Miliar<\/span><\/li>\n<\/ul>\n<p><strong>8. Berapa maksimal pembiayaan yang bisa diberikan dari nilai jaminan?<\/strong><\/p>\n<p><span data-sheets-root=\"1\">Pembiayaan jaminan properti:<br \/>\nNilai pembiayaan dapat mencapai hingga 60% dari nilai properti yang dijaminkan (berdasarkan hasil appraisal)<\/span><\/p>\n<p>Pembiayaan jaminan BPKB mobil:<br \/>\nNilai pembiayaan dapat mencapai hingga 85% dari nilai OTR (berdasarkan pricelist MOFI)<\/p>\n<p><strong>9. Berapa lama jangka waktu (tenor) pembiayaan?<\/strong><\/p>\n<p><span data-sheets-root=\"1\">Pembiayaan jaminan properti:<\/span><\/p>\n<ul>\n<li><span data-sheets-root=\"1\">Minimal 6 bulan<\/span><\/li>\n<li>Maksimal 60 bulan untuk wirausaha dan PT serta 84 bulan untuk Karyawan<\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\">Pembiayaan jaminan BPKB mobil:<\/span><\/p>\n<ul>\n<li><span data-sheets-root=\"1\">3, 6, 12, 36, 48, 60 bulan<\/span><\/li>\n<\/ul>\n<p><strong>10. Dokumen apa saja yang perlu disiapkan untuk pengajuan Karyawan?<\/strong><\/p>\n<p><strong>11. Dokumen apa saja yang perlu disiapkan untuk pengajuan Wirausaha?<\/strong><\/p>\n<p><strong>12. Dokumen apa saja yang perlu disiapkan untuk pengajuan Badan Usaha?<\/strong><\/p>\n<p><strong>13. Bagaimana alur proses pengajuan pembiayaan?<\/strong><\/p>\n<ol>\n<li><span data-sheets-root=\"1\">Pengajuan dan pengumpulan dokumen<\/span><\/li>\n<li><span data-sheets-root=\"1\">Cek SLIK<\/span><\/li>\n<li><span data-sheets-root=\"1\">Survei appraisal<\/span><\/li>\n<li><span data-sheets-root=\"1\">Analisis kelayakan kredit<\/span><\/li>\n<li><span data-sheets-root=\"1\">Survei usaha<\/span><\/li>\n<li><span data-sheets-root=\"1\">Persetujuan pembiayaan<\/span><\/li>\n<li><span data-sheets-root=\"1\">Penandatanganan perjanjian<\/span><\/li>\n<li><span data-sheets-root=\"1\">Pencairan dana ke rekening pemohon<\/span><\/li>\n<\/ol>\n<p><strong>14. Sertifikat properti atas nama siapa yang bisa diajukan pembiayaan?<\/strong><\/p>\n<p><span data-sheets-root=\"1\">Pembiayaan jaminan properti:<br \/>\nAtas nama sendiri \/ pasangan \/ orang tua \/ Pengurus<\/span><\/p>\n<p>Pembiayaan jaminan BPKB mobil:<br \/>\nAtas nama sendiri \/ pasangan \/ orang tua \/ anak \/ orang lain \/ Badan Usaha<\/p>\n<p><strong>15. Berapa nilai pasar Properti minimal yang dapat dijaminkan?<\/strong><\/p>\n<p><span data-sheets-root=\"1\">Rp 750 juta<\/span><\/p>\n","protected":false},"featured_media":0,"template":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FAQ - Moladin Finance Official Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moladinfinance.com\/artikel\/agent-apps-banners\/faq\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - Moladin Finance Official Blog\" \/>\n<meta property=\"og:description\" content=\"1. Apa saja Produk yang ditawarkan oleh MOFI? Pembiayaan Jaminan Properti Pembiayaan Jaminan BPKB Mobil 2. Apa itu pembiayaan dengan jaminan properti? 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