Buying house become easier with affordable installment only IDR 1 million/months
Owning house with affordable down payment start from 5%
Range of financing up to 25 years
Sharia Based Financing
Funding with MMQ contract to purchase primary/secondary houses
Providing better benefits
Funds in automatic savings will reduce the burden of margin/ujrah loan
|Minimum Age||21 years or already married|
|Maximum age||45 years at the time of binding credit|
|Period time (years)||Extra tenor of up to 25 years for houses and 20 years for other collateral|
|Assets||Have a maximum of 1 mortgage facility that has been running for than 3 years|
|Warranty||Houses, apartments and shophouses purchased from both Bank OCBC NISP and secondary developers|
|Limit of financing||Minimum IDR100 million, maximum IDR5 billion|
|Currency||IDR, valid for all regions of Indonesia|
|Financing application form signed by the prospective customer||V||V||V|
|Photocopy of ID from customer + husband/wife||V||V||V|
|Photocopy of family card||V||V||V|
|Photocopy of marriage certificate/divorce/separation assets||V||V||V|
|Photocopy of NPWP||V||V||V|
|A statement letter from perspective customer regarding all property-backed financing facilities, both those that have been owned and those that are in the process if being submitted||V||V||V|
|Photocopy of work certificate from the company||V|
|Full proof of down payment||V||V||V|
|Saving/checking accounts||Last 3 months||Last 6 months||Last 6 months|
|Photocopy of salay slip for the last 1 month||V|
|Photocopy of business existence documents (company certificate, SIUP/TDP/NIB or similar documents)||V|
|Photocopy of supporting documents such as a license to practice / a decree of appointment from the relevant agency||V|
|Photocopy of certificate of IMB, AJB, PBB and order house letter PPJB||V||V||V|
Written agreement between the Bank and other parties that contains the rights and obligations of each party in accordance with Sharia Principles.
The principles of Islamic law in banking activities are based on fatwas issued by institutions that have the authority to determine fatwas in the field of sharia.
The distribution of profit of Bank Syariah to the Deposit Customers is based on the agreed ratio every month. Revenue sharing depends on the amount and duration of deposits and bank income for the period. The amount of profit sharing is calculated based on bank revenue so that the customer must obtain profit sharing and not lose the principal savings.
The board is tasked with giving advice and advice to the Directors and overseeing the activities of the Sharia Business Unit to be in accordance with Sharia Principles.
Transaction of fund investment from the owner of the fund (shahibul mal) to the fund manager (mudharib) to carry out certain business activities in accordance with Sharia Principles, with the distribution of results of business between the two parties based on a mutually agreed ratio.
Funds or goods deposit transaction from the owner to the depositor of funds with an obligation for the depositing party to return the funds or goods deposited at any time or in accordance with the agreement.
Buying and selling transactions of goods at the acquisition price plus the margin agreed upon by the parties, where the seller informs the buyer in advance of the acquisition price.
Agreement of representation between one party to another. Wakalah is usually applied for making Letter of Credit, for purchasing goods abroad (L/C Import) or forwarding requests
Collaboration between two or more parties having funds and/or goods to carry out certain businesses in accordance with Sharia Principles by sharing the results of operations in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio.
Collaboration between two or more owners of funds and/or goods to carry out certain businesses in accordance with Sharia Principles with the distribution of operating results in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio, then one party gradually buys the other party's capital ownership, so that at the end of the cooperation period one party has the entire capital (100%).
The amount of profit agreed between the Bank and the Customer for financing transactions with a sale and purchase agreement (murabahah). Financing margins are fixed (fixed) unchanged throughout the term of the financing.
Share of profit sharing between the Bank and the Customer of funding and financing transactions with profit sharing agreements (mudharabah and musyarakah).
Lease transactions of goods and/or services between the owner of the object for lease, including ownership of the right to use the object for rent and the lessee to get compensation for the leased object.
Borrowing transactions without compensation for the obligations of borrowing party to repay the loan principal in one lump sum or installments within a certain period.
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