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HOUSING LOAN (KPR)
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Shinhan Bank Indonesia Housing Loan (KPR) Facilities to individual customers seeking to purchase residential properties, including landed houses, apartments and shop house
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Housing Loan Features (KPR)
Housing Loan Features (KPR)
Shinhan Bank Indonesia Housing Loan Applicable to new and secondary property
Benefit
Benefit
1. Simple application process
2. Short minimum tenor
3. Loan tenors up to 20 years
4. Convenient installment payments via automatic monthly debits from your Shinhan Bank Indonesia (BSI) savings account
5. Your ownership certificate and other important documents are scurely stored with us and will be returned to you upon loan completion
Interest Rate*
Interest Rate
1 Year FixedMin Tenor Price Jangka Waktu Price Ef 4 3,80% Tahun 1 3,80% Tahun 2-4 BI Rate + 5% Interest Rate
2 Years FixedMin Tenor Price Jangka Waktu Price Ef 7 3,90% Tahun 1-2 3,90% Tahun 3-7 BI Rate + 5% Interest Rate
3 Years FixedMin Tenor Price Jangka Waktu Price Ef 9 4,30% Tahun 1-3 4,30% Tahun 4-9 BI Rate + 5% *) Interest rate subject to change anytime
Term and Conditions
Term and Conditions
• Indonesian citizenship (WNI) and currently living in Indonesia
• Minimum age of 21 years or already married, with maximum age at the end of the loan term of 57 years (employee) and 65 years (profesional / enterpreneurs)
• Applications must demonstrate stable employment and a steady income, with a minimum of 1 year of employment at their current company (employees) or years of business experience in the same business field (profesional / enterpreneurs)
• Dokuments Required
No
Dokument Name
Occupation
Employee Enterpreneur / Business Owner Profesional 1.
Copy of Applicant's ID Card ✔
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2.
Copy of Applicant's Spouse's ID Card
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3.
Copy of Family Register
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4.
Copy of Marriage Certificate / Divorce Certificate / Spouse's Death Certificate
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5.
Copy of Prenuptial Agreement that has been registered at Office of Religious Affairs or Civil Registration (if any)
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6.
Copy of Applicant's Tax ID *
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7.
Copy of Company Tax ID ** -
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8.
Copy of SIUP / NIB
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9.
Copy of Deed of Establishment and their latest amendment
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10.
Inhouse Financial Statemet (Last 3 Years) ***
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11.
Copy of Practice Permit
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12. Copy of Salary Slip/ Income Statement (last 3 month)
✔ ✔ 13. Latest letter of Employment
✔ 14. Copy of Bank Account Statement minimum for the last 3 month
✔ ✔ ✔ 15. Original Debtor Statement Letter regarding property ownership credit / property-backed credit that is being applied for already owned (LTV Statement Letter)
✔ ✔ ✔ 16. Developer's Home Order Letter / Broker Cover Letter ****
✔ ✔ ✔ 17. Renovation Plan and Cost Analysis *****
✔ ✔ ✔ No Collateral Documents New Property Secondary 1. Copy of HM/HGB/HMSRS ✔ ✔ 2. Copy of IMB/PBG ✔ ✔ 3. Copy of Building Sketch (if Any) ✔ ✔ 4. Copy of Sell and Purchase Deed ✔ 5. Copy of latest PBB ✔ Costs
- Provision and Administration costs
- Life Insurance Premiums
- Property Insurance Premiums
- Appraisal Fees
- Notary Fees
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