IBL Bonds

Individual applicants
Indonesian citizenship
Minimum age 21 years old/ married
Maximum age 75 years old by the end of loan tenure
Receives regular income as an employee, entrepreneur, or professional.
Employee (permanent/contract) with min. 2 years of experience.
Entrepreneur/Professional with min. 2 years of experience within the same industry
A minimum income Rp. 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 Akta yang mencantumkan kepemilikan saham terakhir(PT/CV) an. Debitur atau Dokumen Eksistensi Usaha atas nama debitur: SIUP/TDP/SK Domisili/Surat Keterangan pengelola gedung/ surat sewa menyewa tempat/ SPK (Surat Perintah Kerja)/ Kontrak Kerjasama Usaha (contoh perjanjian Franchise) 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: Printed out statement of Bonds used as collateral Bond price indication Bank statement of the past 3 months Document checklist form & IBL collateral valuation form	Copy

IBL Bonds