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IBL Bonds

Investment-backed loan for holders of bonds purchased through OCBC

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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
4
  • Marriage Certificate/ Divorce certificate/ Spousal Death Certificate (if applicable)
  • Prenuptial Agreement (if applicable)
 Copy
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)

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

IBL Bonds

IBL Bonds
IBL Bonds

IBL Bonds

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PT Bank OCBC NISP Tbk is licensed and supervised by the Indonesian Financial Services Authority & Bank Indonesia, and is a guaranteed member of Indonesia Deposit Insurance Corporation (LPS)