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Save more get higher points
Keep saving, gifts keep coming
Only register with KTP and initial deposit
Loan Tenure of up to 25 years
Longer tenor for your cash flow flexibility
Funding for Various Residentials
Ranging from homes, shop houses, shops, land, apartments, even for multi-use
Low Daily Interest
80% of the savings balance is calculated to offset daily interest
| 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 |
| 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) |
| 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 |
| Document yang dibutuhkan | Sertipikat Induk | Sertipikat Pecahan | Alternatif Document |
|---|---|---|---|
Sertipikat tanah |
Copy | Original | Cover Note from OCBC NISP 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 NISP 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 NISP 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 NISP 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
Written agreement between the Bank and other parties that contains the rights and obligations of each party in accordance with Sharia Principles.
The principles of Islamic law in banking activities are based on fatwas issued by institutions that have the authority to determine fatwas in the field of sharia.
The distribution of profit of Bank Syariah to the Deposit Customers is based on the agreed ratio every month. Revenue sharing depends on the amount and duration of deposits and bank income for the period. The amount of profit sharing is calculated based on bank revenue so that the customer must obtain profit sharing and not lose the principal savings.
The board is tasked with giving advice and advice to the Directors and overseeing the activities of the Sharia Business Unit to be in accordance with Sharia Principles.
Transaction of fund investment from the owner of the fund (shahibul mal) to the fund manager (mudharib) to carry out certain business activities in accordance with Sharia Principles, with the distribution of results of business between the two parties based on a mutually agreed ratio.
Funds or goods deposit transaction from the owner to the depositor of funds with an obligation for the depositing party to return the funds or goods deposited at any time or in accordance with the agreement.
Buying and selling transactions of goods at the acquisition price plus the margin agreed upon by the parties, where the seller informs the buyer in advance of the acquisition price.
Agreement of representation between one party to another. Wakalah is usually applied for making Letter of Credit, for purchasing goods abroad (L/C Import) or forwarding requests
Collaboration between two or more parties having funds and/or goods to carry out certain businesses in accordance with Sharia Principles by sharing the results of operations in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio.
Collaboration between two or more owners of funds and/or goods to carry out certain businesses in accordance with Sharia Principles with the distribution of operating results in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio, then one party gradually buys the other party's capital ownership, so that at the end of the cooperation period one party has the entire capital (100%).
The amount of profit agreed between the Bank and the Customer for financing transactions with a sale and purchase agreement (murabahah). Financing margins are fixed (fixed) unchanged throughout the term of the financing.
Share of profit sharing between the Bank and the Customer of funding and financing transactions with profit sharing agreements (mudharabah and musyarakah).
Lease transactions of goods and/or services between the owner of the object for lease, including ownership of the right to use the object for rent and the lessee to get compensation for the leased object.
Borrowing transactions without compensation for the obligations of borrowing party to repay the loan principal in one lump sum or installments within a certain period.
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