To fulfill your life plan
Flexibility to manage your cash flow
Make your dreams come faster
Loans For Every Needs
Helping to fulfill customer needs with funding of up to IDR10 Billion
Type
|
Description
|
---|---|
Provision | Tenure ≤ 10 years: 1% loan plafond Tenure > 10 years: 1.5% loan plafond |
Administration Fee | Tenure < 10 years: 0.1% loan plafond or min. Rp 250.000 Tenure ≥ 10 years: 0.1% loan plafond or min. Rp 500.000 |
Insurance Premium | Subject to charges imposed by OCBC insurance partners |
Notary | Subject to charges imposed by OCBC notary partners |
Taxation | Rp 750.000 or subject to charges imposed by KJPP |
Legal Documents | Imposed when legal documents are prepared by OCBC |
Late Charges | 0.1% per day of delayed payments |
Penalty | 3% of unscheduled payments |
Safekeeping Certificate Fee | Safekeeping Certificate fee of IDR 20,000 per day will be charged since the date of paid off, if the certificate documents haven't been collected in 30 calendar days after the credit facility is paid off. |
Interest rate | In accordance with the Rate Promo |
Document | Form of Documents | Employee | Entrepreneur | Professional |
---|---|---|---|---|
Signed Mortgage Application Form
|
Original / Copy | V | V | V |
Valid ID of the applicant and spouse (if applicable), or a proof ID extension
|
Copy | V | V | V |
Kartu Keluarga (with the same address as of ID)
|
Copy | V | V | V |
Marriage Certificate* (if applicable)
Divorce Certificate/ Death Certificate (if applicable) Prenuptial Agreement** (if applicable) *) if not available, a declaration letter signed by the applicant and his/ her spouse, declaring the marital status, must be provided, or else Birth Certificate of the child (if applicable) can act as a substitute *)) Must be accompanied with Marriage Certificate |
Copy | V | V | V |
NPWP (applicable for all KPR applications and any mortgage loan with plafond greater than Rp 100 mio) | Copy | V | V | V |
Declaration letter of all mortgage facilities owned or currently applied, both of conventional and syariah types (including those in other banks) | Original/Copy | V | V | V |
Certification letter from the place of employment, or:
|
Copy | V | ||
Birth Certificate (only applicable if the applicant's name consists of just 1 word or abbreviations) | Copy | V | V | V |
Valid proof of fully paid Down Payment | V | V | V |
Income Documents
Document | Form of Documents | Employee | Entrepreneur | Professional |
---|---|---|---|---|
Bank statement of applicant's savings for the past 3 months (current month may refer up to 2 months prior to the application)
|
Copy | V | V | V |
Recent remuneration statement, or one of the below mentioned documents:
1. Verified certification letter of current remuneration 2. SPT PPh pasal 21 3. Employment Contract 4. Certification letter declaring remuneration raise issued by the place of employment |
Original/Copy | V | ||
Bank statement of applicant's remuneration are categorized as follows:
1. Non Commision Based (NCB): last 3 months 2. Commision Based (CB): last 6 months |
Copy | V | ||
Bank statement of the business entity or of the applicant and/ or spouse for the last 3 months (or more)
|
Copy | V (Non Contractor) |
V | |
1. Bank statement of the business entity or of the applicant and/ or spouse for the last 6 months (or more), and/ or 2. Surat Perintah Kerja (SPK) in the current year/ past one year |
Copy | V (Conractor) |
Employer/ Business Entity Documents
Document | Form of Documents | Employee | Entrepreneur | Professional |
---|---|---|---|---|
Legal certificate declaring the last ownership and management of the business entity (applicable to PT and CV)
|
Copy | V | V | V |
Proof of existence of the business entity in the form of any documents mentioned below:
1. SIUP or equivalent 2. TDP or equivalent 3. SK Domisili 4. Certification letter from building management of business premises 5. Leasing Contract of Business Premises 6. SPK (Surat Perintah Kerja) 7. Memorandum of Understading with third party 8. Latest legal certificate of the business entity, declaring shareholders composition and management (only applicable for legal business entity) |
Original/Copy | V | ||
1. License to practice, or
2. Appointment letter issued by relevant authority, or 3. Certification letter issued by relevant authority |
Copy | V |
Collateral Documents
Document yang dibutuhkan | Sertipikat Induk | Sertipikat Pecahan | Alternatif Document |
---|---|---|---|
Sertipikat tanah
|
Copy | Original | Cover Note from OCBC notary partners, informing the completion date of the required document |
Perjanjian Pengikatan Jual Beli (PPJB)
|
Original | Original | |
Akte Jual Beli (AJB)
|
Copy | Copy | Cover Note from OCBC notary partners, informing the completion date of the required document |
Akta Pemberian Hak Tanggungan-APHT atau SKMHT
|
Original | Original | |
Ijin Mendirikan Bangunan (IMB)
|
Original / Copy | Original / Copy | Cover Note from OCBC developer/ notary partners, declaring the informing date of the required document, or Proof of IMB application from Dinas Pengawasan dan Penertiban Bangunan (P2B)/ Dinas Cipta Karya/ other relevant governmental entity |
Sertipikat Hak Tanggungan (SHT)
|
Original | Cover Note from OCBC notary partners, informing the completion date of the required document | |
Surat Pemberitahuan Pajak Terhutang Pajak Bumi dan Bangunan (SPPT PBB)
|
Copy | ||
Surat Tanda Terima Setoran (STTS)
|
Copy |
Finance Condition
Type | Maximum Tenure |
---|---|
House/Apartments* | 25 |
SOHO | 20 |
*) At the end of loan tenure, the building have to be 40 years old or less
Platinum Credit Card, Titanium Credit Card, Voyage Credit Card, 90°N Credit Card, Debit Card, GPN Debit Card, Premier Debit Card
11 Oct 2024 - 27 Oct 2027
90°N Credit Card, OCBC Nyala Platinum, Platinum Credit Card, Titanium Credit Card, Voyage Credit Card
12 Jun 2024 - 2 May 2026
Platinum Credit Card, Titanium Credit Card, Voyage Credit Card, OCBC Nyala Platinum, 90°N Credit Card
27 Jun 2024 - 1 May 2026
Credit facilities to get cash that can be used by customers to meet various needs
Financing starts from IDR 100 million minimum up to IDR 10 billion maximum
Collateral required for OCBC KMG credit facility is Resident Certificate under an individual name.
Credit period 1 to 15 years
Life and Fire Protection during the credit period
Documents Required for Submitting Multi-Purpose Loans consist of:
- Personal documents, such as: KTP & NPWP
- Financial documents, such as: a photocopy of a savings account
- Guarantee documents, such as: certificates and IMB
"It can be done by paying off part of it with a fixed period (unchanged) or shortened period. The amount of repayment is min 3 x installments / month or min IDR 10 million, can be done once a year *)
*) Please Contact the Call Center "
Applying for H-7 working days prior to repayment date and all guarantees will be submitted 5 working days after repayment. *)
*) Please Contact the Call Center
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