Property backed Consumer Loan
Credit disbursement to Prospective Debtors with Fixed Income (payroll or non-payroll) and Non-Fixed Income for various consumer needs.
- Key Product Features
- Credit Limit: The lowest value according to Repayment Capacity/Loan To Value/Credit Application
- Interest Rate: 9.5% - 14% floating
- Loan Term/Tenor: Up to 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 Credit with monthly installments to fulfill your housing needs.
- You can determine the credit term according to your financial capability.
- Requirements and Procedures
- You must complete the following requirements:
- Credit Application Form
- Copy of ID Card (KTP)
- Copy of Family Card (KK)
- Employment Certificate/Decree (for Fixed Income earners)
- Income Statement and statement of readiness to pay installments, acknowledged by spouse (for Non-Fixed Income earners)
- Power of Attorney to debit the borrower's account with stamp duty and irrevocable substitution rights
- Collateral Certificate
- Building Permit (IMB) & Land and Building Tax (PBB)
- Bank statements for the last 6 (six) months from Bank Jatim or other banks
- You must complete the following requirements:
- RIPLAY (Product and Service Information Summary)
- RIPLAY (Product and Service Information Summary) General Version is a standard document containing comprehensive important information regarding financial products or services.
- RIPLAY Property-backed Consumer Loan
For further requirements, terms, and details regarding our products, please contact Bank Jatim Info at 14044 or visit the nearest Bank Jatim Branch Office.