Kredit Multi Guna

To fulfill your life plan

Flexibility to manage your cash flow

Make your dreams come faster

Loans For Every Needs

Helping to fulfill customer needs with funding of up to IDR10 Billion

Indonesian citizen
Age 21 – 55 years old for employee and 21 – 70 years old for Entrepreneur/Professional
Having a fixed income
The collateral required is a property which is already 100% built and has a separate building right title with individual name on it (through the process of renaming)

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
Deposit Fee of Unclaimed Collateral Documents	Smallest Safe Deposit Box (SDB) fee will be charged, when collateral documents are unclaimed 30 days after a loan paid off
Interest rate	In accordance with the Rate Promo

Personal Documents

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: Appointment Letter or other related document issued by the place of employment Employment Contract/ Offer Letter	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

Financing starts from IDR 100 million minimum up to IDR 10 billion maximum
Premiums of Life & Fire insurance subject to charges imposed by OCBC insurance partners
Financing Tenure: