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Start owning your own house, even for first jobbers
For lower monthly installment compared to regular KPR
Afford your monthly installment, while keep maintaining a good lifestyle
Tenor of up to 25 years
Longer tenor for your cash flow flexibility
Gradual Installments
Adjust monthly installment in every 1 or 2 years
New and Second Home
Choose between a New House or Secondary House
| 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 |
| Villa | 15 |
| Land** | 10 |
| Boarding House | 20 |
*) At the end of loan tenure, the building have to be 40 years old or less
**) or depends on the Buy Back Guarantee terms applied at OCBC developer partners
Easy Start KPR has the advantage of being low in installments for several years at the beginning of a loan. With lower installments, customers can own homes faster.
Angsuran ringan diawal kredit sehingga sesuai dengan pendapatan dari generasi muda diawal masa kerja (karir)
Easy Start installments are made tiered, so the increase is still in accordance with the increase of income from customers.
The maximum loan obtained from KPR Easy Start is Rp. 2.5 billion, if the down payment is 20%, then with KPR Easy Start the customer can buy a house for IDR 3 billion.
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