Purpose Of Use
Loan facilities for the purchase of a new residential unit and old / used residential, such as houses, flats, apartments, house shop, home office, stores, kiosks, offices, and office store.
- Maximum of granting credit to 90% of the value of the collateral is seen from the product type;
- Credit Plafond minimum of Rp 5 million and Rp 5 billion maximum;
- Maximum credit period s/d 15 years.
Criteria Of Debtor
- Civil Servant (PNS)
- National Private Company
- Other companies that are recommended and approved by holders of credit authority.
- And others
- Individual, a citizen of Indonesia and domiciled in Indonesia;
- Minimum age of 21 years or are married and at the moment the credit maximum 56 years of age paid off (for employees) and 60 years (for self-employed/professionals including teachers and lecturers);
- Have a job and a steady income;
- The status has become a permanent employee;
- Minimum 2 years working period (including in other companies with similar work and includes a trial period or temporary employees or previous periods was appointed permanent clerk;
- Minimum income of Rp 1 million per month;
- Have experience in the areas of its business for a minimum of 2 years in a row;
- Have an income that can be verified truth;
- Minimum income of Rp. 100 million per year.
Fill out the form and complete the credit requirements document :
- Copy of ID Card (KTP) of the applicant and spouse;
- Domicile affidavits (if different from address);
- Copy Of Family Card;
- Copy Marriage license/Divorce and Marital Agreement (if there are);
- Photo of the applicant and spouse (4x6 as much as 2 sheets)
Data description of work (for the employees, the husband and wife if both work)
- Copy of the certificate of appointment officers remain and the last of the original certificate or a long work and the position of the last;
- Original salary slip or certificate of income;
- Copy of NPWP personal or SPT PPh 21 (for the credit plafond above Rp. 50 million);
- Copy employee card;
- Copy of social security card or Astek or the like;
- Copy of savings/current account last 3 months.
Data Description of business/profession (for Self-employed) :
- Copy Of Business License;
- Copy the sign companies list (TDP) or SuratKeterangan business place of Domicile of the local Village;
- Copy of the company Certificate, recent changes and the Endorsement of the Ministry of law and human rights;
- Copy of NPWP and SPT last (for the credit plafond above Rp. 50 million);
- Financial statements (balance sheet and Profit Loss) at least 2 last year;
- Copy of savings/current account last 3 months (for Individuals);
- Copy of a current account in the name of the company the last 6 months (for a Company).
Data Description of business/profession (for professionals) :
- Certificate of income from professions;
- Copy Of License To Practice/Profession;
- Copy Savings / Current Account last 3 months.
Guarantee Document Requirements
Collateral/guarantee (data for the Primary Mortgage or Developer) :
- Copy of receipt sign so or DP or repayment of the purchase;
- Copy the Mail Order Unit or SPJB or PPJB;
- Copy Block Plan and Site Plan;
- Copy of the last certificate, the last IMB and the last PBB;
- Brochures the following residential unit selling price.
Data on Collateral/guarantee (for Mortgage Secondary) :
- Copy Of The Certificate
- Copy of IMB
- Copy of last UN (PBB);
- copy of ID card (KTP) of the seller (husband-wife);
- Copy of family card seller;
- Copy of marriage certificate/Divorced seller (husband-wife);
- Letter of offer Price from the seller to purchase (for the purpose of Purchasing Mortgage);
- Budget plan Costs (for the purpose of Renovation Mortgage).
- Provision of 1% of the credit plafond
- Credit administration
- Life insurance
- Fire insurance
- Notary Fees
- Frozen savings of 1 times installment
Note: The debtor is required to make Bank DKI savings account in accordance with the applicable account opening