Gradana - Productive Financing 2.2.2

Gradana (PT Gradana Teknoruci Indonesia) is a peer-to-peer lending platform focused on the property sector. It operates under the supervision of Otoritas Jasa Keuangan (OJK) with license number KEP-67/D.05/2021 and holds an ISO 27001 certification.

The platform connects individuals seeking funding for property purchases, rentals, renovations, and related projects with investors looking to allocate their funds and earn returns from the interest paid by borrowers.

Advantages of Borrowing from Gradana:

• Loan limits ranging from IDR 5 million to IDR 2 billion
• Monthly interest rates between 1.45% - 2% (annual interest rates of 17.5% - 24%)
• Loan tenors from 6 to 24 months
• Service fees based on tenor, ranging from 1.2% - 9.6%
• Administrative fees of IDR 350,000 - IDR 500,000
• Late payment fee of 6% of the installment amount (depending on days overdue)

Loan Simulation:

1. Monthly Interest Payment:
   Loan Amount x ((Tenor in years) x Interest Rate)
   IDR 10,000,000 x ((12/12) x 17.5%) = IDR 1,750,000
2. Total Repayment:
   Loan Amount + Interest Payment:
   IDR 10,000,000 + IDR 1,750,000 = IDR 11,750,000
3. Monthly Installment:
   Total Repayment / Tenor = IDR 11,750,000 / 12 = IDR 980,000

For further information, please contact us at:

• Instagram: @GRADANAID
• Email: [email protected]
• Call Center: +62 811-1899-188
• Operating hours: Monday to Friday, 09:00 - 18:00
• Address: Jl. Perjuangan No. 88, Komplek Graha Kencana Blok BI, Kebon Jeruk 11530, Jakarta Barat, Indonesia