KPR Easy Start

Loan for young people to have a dream home with low installments

Having a house is easier

Start owning your own house, even for first jobbers

Lower Installments

For lower monthly installment compared to regular KPR

Focused on Financial Plan

Afford your monthly installment, while keep maintaining a good lifestyle

Other Advantages

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Tenor of up to 25 years

Longer tenor for your cash flow flexibility

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Gradual Installments

Adjust monthly installment in every 1 or 2 years

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New and Second Home

Choose between a New House or Secondary House

    Terms & Conditions

    Interest & Fees

    Document Requirements

    Loan Terms

    Product Information Summary

Terms to Apply KPR OCBC NISP

  • Indonesian citizen
  • Employees Aged 21-40
  • Having a Fixed income
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
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:
  1. Appointment Letter or other related document issued by the place of employment
  2. 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 NISP 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 NISP 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 NISP 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 NISP 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

  • Minimum financing is Rp 100.000.000,-
  • Premiums of Life & Fire insurance subject to charges imposed by OCBC NISP insurance partners
  • Financing Tenure:

Type Maximum Tenure
House 25
Apartments*/ SOHO 20
Villa/ Condotel*/ Kiosk 15
Land** 10
Multipurpose/Refinancing 18

  *) At the end of loan tenure, the building have to be 40 years old or less

**) or depends on the Buy Back Guarantee terms applied at OCBC NISP developer partners

 

KPR Easy Start
KPR Easy Start

KPR Easy Start

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Lihat Semua

Tanya OCBC NISP

Easy Start KPR has the advantage of being low in installments for several years at the beginning of a loan. With lower installments, customers can own homes faster.

Angsuran ringan diawal kredit sehingga sesuai dengan pendapatan dari generasi muda diawal masa kerja (karir)

Easy Start installments are made tiered, so the increase is still in accordance with the increase of income from customers.

The maximum loan obtained from KPR Easy Start is Rp. 2.5 billion, if the down payment is 20%, then with KPR Easy Start the customer can buy a house for IDR 3 billion.

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Loan for young people to have a home with low installments

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