IBL Bonds

Investment-backed loan for holders of bonds purchased through OCBC

Loan from Your Bonds

The solution to your investing and consumption needs

More Value from Bonds

Holding Adds value in building your wealth

Repay in up to 5 Years

More flexibility to your cashflow

IBL Bonds

    IBL Bonds Terms of Application

    Product Information Summary

  1. Individual applicants
  2. Indonesian citizenship
  3. Minimum age 21 years old/ married
  4. Maximum age 75 years old by the end of loan tenure
  5. Receives regular income as an employee, entrepreneur, or professional.
  6. Employee (permanent/contract) with min. 2 years of experience.
  7. Entrepreneur/Professional with min. 2 years of experience within the same industry
  8. A minimum income IDR 15 million/month

No Document Form of Document
1 Signed application form Original
2 Valid National ID of applicant and spouse (for Indonesian citizen) Copy
3 Family Certificate Copy
  • Marriage Certificate/ Divorce certificate/ Spousal Death Certificate (if applicable)
  • Prenuptial Agreement (if applicable)
5 Birth Certificate (only applicable if the applicant's name consists of just 1 word or abbreviations) Copy
6 Employee:
Recent employment letter or other documents such as:
  • SPT pph pasal 21 (prev. year) or
  • Valid employment contract, or
  • Last payslip (max. 3 months)

Employer/business entity
  • Deed stating the last share ownership (PT/CV) in the name of the Debtor or
  • Business Existence Document on behalf of the debtor: SIUP / TDP / SK Domicile / Certificate of building manager / rental letter renting a place / SPK (Work Order) / Business Cooperation Contract (example of a Franchise agreement)

  • Verifiied certification letter of current remuneration
  • Certification letter declaring remuneration raise issued by place of employment
  • Verification letter issued by related organization
7 Other Documents:
  • Bank statement of the past 3 months

IBL Bonds

IBL Bonds
IBL Bonds

IBL Bonds

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IBL Bonds