Housing Credit Program

Investment credit/financing and/or working capital credit/financing provided to Micro, Small, and Medium Enterprises (MSMEs) in the form of individuals or business entities, conducted to support the achievement of priority programs in the housing sector.

  • Terms and Conditions
    • Maximum of 4 (four) years for working capital credit or a maximum of 5 (five) years for investment credit
    • Housing Supply Side: Minimum 8.00% p.a. effective/annuity floating rate
    • Housing Demand Side: Minimum 6.00% p.a. effective/annuity floating rate
  • Fees
    • Provision Fee: 0.5% of the credit limit (plafond)
    • Administrative Fee: IDR 25,000 to IDR 250,000, depending on the credit limit
    • Collateral Appraisal Fee: IDR 50,000 to IDR 1,000,000, depending on the credit limit
  • Benefits
    • Supports MSMEs such as developers, contractors, and building material traders in providing housing.
    • Increases the capacity of MSMEs such as developers, contractors, and building material traders in providing housing.
    • Supports MSME activities through home purchase, construction, or renovation activities.
    • Encourages increased labor absorption.
    • Increases the housing sector's contribution to economic growth.

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