KII Kendali

Property-backed loans for individual, non-productive investment purposes with controllable interest rate through savings balance

Control the Interest Rate

Up to 80% of your daily savings balance to control loan interest

Control the Loan Term

Long-run flexibility to your cashflow

Control your Savings Balance

Balances are not hold for flexibility to transact

KII Kendali

    KII Reguler Terms of Application

    Interest & Fees

    Product Information Summary

  • Individual applicants
  • Indonesian citizenship
  • Minimum age 21 years old/ married
  • Employees: Maximum age 55 years old by the end of loan tenure
  • Entrepreneur/Professional: Maximum age 70 years old by the end of loan tenure
  • Receives regular income
  • Property collateral building 100% complete, and titled land certificate transferred.
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 NISP insurance partners
Notary
Subject to charges imposed by OCBC NISP notary partners
Taxation
Rp 750.000 or subject to charges imposed by KJPP
Legal Documents
Imposed when legal documents are prepared by Bank OCBC NISP
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
KII Kendali
KII Kendali

KII Kendali

Popular Question About KII Kendali

Savings balance offsets the interest rate on KII Kendali loan. Thus remaining instalments are immediately put into principal repayment, resulting in earlier outstanding loan repayment

No, installments may vary according current interest rate fluctuations. By increasing savings account balance, the portion of installments going to interest rate repayment will lessen, and going to capital repayment, resulting in an earlier outstanding loan repayment instead.

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KII Kendali