C-Marine

Key Financing Features

Providing financing solutions for the acquisition of vessels and marine assets to support business operations and growth.

FINANCING PRINCIPAL

Min IDR 100 Million

INTEREST RATE

Starting from 11% flat p.a. up to 13% flat p.a.

ELIGIBLE COLLATERAL

New and used barges, including hopper barges, deck barges, cargo barges, and other eligible marine vessels.

LOAN TERM

Regular terms ranging from 1 – 5 years.

FINANCING PURPOSE

Productive purpose.

INSURANCE

Marine Hull Insurance provides protection for financed marine vessels against various risks. Available insurance coverage includes Comprehensive Coverage and Total Loss Only (TLO) Coverage.

Mendukung kebutuhan kapal tongkang dengan pembiayaan yang fleksibel, proses yang cepat, dan biaya yang kompetitif.

Required Documents

Prepare the required documents to help us conduct a fast and accurate credit assessment process.

Supporting Documents	Employee	Professional	Entrepreneur	Company
Copy of Husband & Wife ID Cards	✓	✓	✓	–
Copy of Directors & Commissioners ID Cards	–	–	–	✓
Copy of Family Card	✓	✓	✓	–
Copy of Professional Practice License	–	✓	–	–
Copy of Bank Statement / Savings Account (Last 3 Months)	✓	✓	✓	–
Copy of Bank Statement / Savings Account (Last 6 Months)	✓	✓	✓	✓
Copy of Tax Identification Number (NPWP)	✓	✓	✓	✓
Copy of NIB, SIUP & TDP	–	–	✓	✓
Copy of Deed of Establishment & Amendments	–	–	–	✓
Proof of Home Ownership (PBB / AJB)	✓	✓	✓	–
Salary Slip / Proof of Income	✓	–	–	–
Financial Statements (Minimum 2 Years)	–	–	✓	✓

Credit Risks

The risk of collateral enforcement may arise if the Customer and/or Collateral Owner defaults on their obligations.
Reputational risk may occur through the recording of financing history in the Financial Information Service System (SLIK) if the Customer and/or Collateral Owner fails to make payments on time.
To avoid the risk of collateral enforcement, the Customer must comply with the provisions of the Financing Agreement, including:
1. Paying installments in full and on time.
2. During the term of the Financing Agreement and without prior written consent from CLEMONT FINANCE, the Customer is not permitted to sell, lease, transfer, or re-pledge the collateral to any third party.

Extended Coverage

Additional protection that provides broader coverage against various risks, giving you greater peace of mind.

1
Natural Disasters

Typhoons, Storms, Floods & Landslides

2
Catastrophic Events

Earthquakes, Volcanic Eruptions & Tsunamis

3
Social Unrest

Strikes, Riots & Civil Disturbances

4
Security Risks

Terrorism & Sabotage

5
Legal Liability

Third-Party Liability (TPL)

6
Personal Accident (PA)

Coverage against accidental injury risks for Drivers and Passengers.

Important Information

Transparency is Our Priority.

What Factors Affect Insurance Rates?

Insurance rates are determined based on several factors, including the vehicle registration area, financing term, principal loan amount, vehicle condition, vehicle type and model selected by the customer, as well as applicable insurance depreciation.

What Are the Penalties for Late Payments or Early Settlement?

A late payment penalty of 0.5% per day of the overdue installment amount may be charged if payments are not made by the due date. For early settlement, an 8% fee of the remaining outstanding principal balance may apply, in accordance with the terms and conditions of the financing agreement.

Additional Information

DISCLAIMER (Please Read Carefully):

The prospective customer acknowledges that they have read and understood the Product and Service Information Summary.
This Product and Service Information Summary does not guarantee approval of any financing facility application.
All calculations provided in the simulation are for illustrative purposes only and may change at any time.