Competitive profit sharing/Margin

Ease of owning property and building or renovating the property you own according to your wishes

Payment in installments that does not change until the financing is paid off

Individual Customers (WNI) must be at least 21 years old or have/have been married

The maximum age when the financing is paid off is:

• Employees/Permanent Employees: 56 years old

• Civil Servants: 58 - 65 years (according to applicable state regulations)

• Professional/Entrepreneur: 65 Years

Must have/open an iB Savings/Current account at the Bank

Fill out the iB Home Ownership Financing form and complete the required documents

Employee:

• Copy of KTP or Passport

• Copy of husband's or wife's KTP (for those who are married)

• Copy of family card

• Copy of marriage certificate or divorce certificate (for those who are married or divorced)

• Last pay slip

• Copy NPWP

• Bank statement for the last 6 months

• Collateral legality

Self-employed:

• Copy of KTP or Passport

• Copy of husband's or wife's KTP (for those who are married)

• Copy of family card

• Copy of marriage certificate or divorce certificate (for those who are married or divorced)

• Company deed, TDP, and SIUP

• Copy NPWP

• Bank statement for the last 6 months

• Financial reports 

• Collateral legality

Professional:

• Copy of Applicant's KTP

• Copy of Husband's or Wife's KTP

• Copy KK

• Copy of Marriage Certificate or Divorce Certificate

• Bank statement for the last 3 months

• Copy NPWP

• Professional Practice Permit

• Financial Reports for the Last 2 Years

Financing landed houses and flats with a financing limit of at least Rp. 100,000,000,- and a maximum of Rp. 3,000,000,000,- with a minimum term of 1 year and a maximum of 25 years. Landed house and flat house financing facilities are as follows:

• Type >70  m2

  • 1st Facility of  95%

  • 2nd facility onwards is 90%

• Type 22 - 70 m2  m2

  • 1st Facility of  95%

  • 2nd and subsequent facilities are 95%

• Type <22  m2

  • 1st Facility of  100%

  • 2nd and subsequent facilities are 95%

Shophouse/ruko financing with a minimum financing limit of IDR 100,000,000,- and a maximum of IDR 5,000,000,000,- with a minimum financing period of 1 year and a maximum of 15 years. Rukon/Ruko financing facilities are as follows:

• 1st Facility of  95%

• 2nd and subsequent facilities are 90%

Renovation financing with a financing limit of at least Rp. 50,000,000,- and a maximum of Rp. 1,000,000,000,- with a minimum term of 1 year and a maximum of 10 years.

The administration fee is a minimum of 1% of the iB Home Ownership financing

The bank has the right to reject product applications submitted if they do not meet the requirements, applicable regulations and sharia principles