Buy a house, you can get Gold Savings or go for Hajj/Umrah!

Terms & Conditions of Gold Savings Balance Gift Program

• Applicable for New Facilities and Top Up Facilities that have been disbursed for mortgage product financing, including Easy Start Mortgage, Control Mortgage & OCBC Syariah iB Mortgage.
• The reward scheme after disbursing the mortgage facility is as follows:

  Credit Limit	Gold Savings Balance Prize
  ≥ IDR 500 million - > IDR 1 billion	IDR 1 million
  ≥ IDr 1 billion	IDR 1,5 million

• Customers are required to be covered by insurance, if there is an application for insurance discounts, they can only be given with a maximum discount of 10% (the maximum discount is excluded from the financing provided for OCBC Employees).
• Bonus Gold Savings balance does not apply in multiples.
• Promo is available as long as this promo page is still active or until December 31, 2024.

Terms & Conditions for the Umrah/Hajj Voucher Bonus Program:

• Valid for the application of the Sharia iB Mutanaqisah Deliberation Mortgage facility (Regular and Easy Start).
• Minimum ceiling of IDR 500 million with Ujrah/Equivalent rate according to program provisions.
• Minimum tenor of 15 years.

Gift

• Prizes in the form of Umrah Vouchers or Hajj portions worth 25 million
• Prizes cannot be cashed out or exchanged for other prizes
• Prizes can be transferred to other persons appointed by the Customer through a Statement Letter signed by the Customer.

For Prizes in the form of Umrah Vouchers:

If the price of the Umrah package exceeds the value of the Voucher given, the Customer must increase the difference so that it can match the price informed by the Umrah Travel Agency that has collaborated with OCBC Syariah.

• Umrah vouchers can only be used for departure schedules that have been determined by the Umrah travel agency that has collaborated with OCBC Syariah.

For Prizes in the form of Hajj Portion

• Customers will be directed to open a Hajj Pilgrim Savings Account (RTJH) and make an initial payment at OCBC Syariah
• BPIH repayment fee is a responsibility The customer and the repayment nominal refer to the provisions of the authorities at the time of departure.

Rates and Terms of Repayment

Departure

• Departure schedule in 2 periods, namely August 2024 and May 2025
• The departure date will be informed to the Customer no later than 2 months before the departure date, as well as if there is a change in the departure schedule, it will be communicated to the Customer no later than 2 months before the departure date.

Example of an illustration of an Easy Start Mortgage/Sharia Easy Start Mortgage
House Price : IDR 500,000
DP 10% : IDR 50,000
Financing Ceiling : IDR 450,000
Interest Rate: 6.25% & fixed 5 years
Duration : 25 years

More info about KPR Easy Start web.ocbc.id/kpreasystart