Terms and condition

• Indonesian citizen.
• Minimum age : 21 years old or married.
• Maximum age at the end of the loan period :
  - < 55 years old for employee.
  - < 60 years old for entrepreneur or professional.

Documents Requirement - General  For employee, entrepreneur and professional

• Photo 3x4 of applicant and spouse (1 piece).
• Copy of Applicants ID Card + Spouse.
• Copy of Family Relationship Card.
• Copy of Marriage Certificate/Divorce/Wealth Separation (if available).
• Copy of WNI/SKBRI and change of names husband-wife (if available ).
• Copy of the last 3 months Account Statement or Bank Statement.
• Certificate of , AJB, IMB/Building Permit, PBB/Land & Building Tax the latest and the building's blue print ( if purchase second hand house).

Additional documents requirement for Construction/Renovation Loan

• Budget Plan.
• Complete Land Certificate (AJB, IMB/Building Permit, PBB/Land & Building Tax,etc).
• New Building Permit Certificate(IMB) for changing the front house appearance.
• Additional Building Permit Certificate(IMB) for building renovation.

Special Documents Requirement

Employee 

• Original statement letter from employer.
• Original Statement of Income or the Pay Slip (the last 3 months).
• Copy of Tax Payer ID.

Entrepreneur

• Copy of Tax Payer ID, Trade License, Company Registration Letter.
• Copy the last 2 years of financial statement (if any).
• Copy of Company Legal Act, Article of Association and its amendments.

Professional

• Copy of Tax Payer ID.
• Copy of Practice License.