Home Ownership Loan (KPR) - Housing Financing Liquidity Facility (FLPP)

Credit distribution to Prospective Debtors with Fixed Income (payroll, non-payroll) and Non-Fixed Income to own a Residence (landed houses & flats/apartments).

  • Key Product Features
    • Credit Limit: Equal to the House Price minus a minimum 1% Down Payment and Cash Subsidy
    • Interest Rate: 5.00%
    • Loan Term/Tenor: 240 months / 20 years
    • Collateral Types: SHM/SHGB/SHMSRS (Land/Building/Apartment Certificates)
    • Monthly Installment: Based on the loan ceiling and tenor
  • Benefits
    • Home Ownership Loan with monthly installment payments to fulfill residential housing needs.
    • You can determine the credit term according to your financial capability.
  • Requirements and Procedures
    • You must complete the following requirements:
      1. Credit Application Form
      2. Copy of ID Card (KTP)
      3. Copy of Family Card (KK)
      4. Employment Certificate/Decree (for Fixed Income earners)
      5. Income Statement and statement of readiness to pay installments, acknowledged by spouse (for Non-Fixed Income earners)
      6. Application to obtain housing facilities from a PT (Developer), specifically for purchasing houses from developers
      7. Power of Attorney to debit the borrower's account with sufficient stamp duty and irrevocable substitution rights
      8. Collateral Certificate
      9. Building Permit (IMB) & Land and Building Tax (PBB)
      10. Bank statements for the last 3 to 6 months from Bank Jatim or other banks
  • RIPLAY (Product and Service Information Summary)

For further requirements, terms, and details regarding our products, please contact Bank Jatim Info at 14044 or visit the nearest Bank Jatim Branch Office.