Housing Loan
Credit facilities granted for the purpose of purchasing houses, apartments and land. Withdrawal is done at once and the payment is payable monthly with the installment system (annuity).

  • The interest is floating
  • Must have insurance on the house / apartment purchased
  • Credit repayments are made by repayment of each principal month and interest (annuity)
  • Maximum credit facility amounting to 80% of the price of the house, apartment or land purchased.
  • The period of the facility for the purchase of housing up to 15 years while for the purchase of apartments and land a maximum of 10 years.
  • Facility can be used to buy new or old house
  • Must have life insurance

Opening Condition
  • A partial repayment of any credit facility may be made at any time after the loan is at least 6 months and subject to administrative costs
  • Facilities for buying old houses only for homes that have a minimum HGB certificate and have an IMB
  • Minimum age 21 years old and maximum 55 years old
  • Debtor has a current or savings account at Bank Index

Required Documents

A. Individual Debtor Candidate :

  • Copy of husband's / wife's ID 
  • Copy of debtor's family card (Kartu Keluarga / KK)
  • Copy of debtor's marriage document
  • Copy of debtor's name changing document (if any)
  • Copy of business legal documents : NPWP, SIUP, TDP, SITU, and License of Nuisance Act 
  • Copy of account statement at least 3 (three) months
  • Copy of Certificate, IMB, Blue Print, last tax payment receipt (PBB) dan AJB of the collateral
  • Original Certificate of Employment & Income (for employees)
  • Copy of KTP husband + wife, Family Card & Marriage Certificate from the owner of the guarantee

B. Prospective Debtor of Legal Entity

  • Copy of managements' ID
  • Copy of Deed of Establishment and its amendments, Decree of the Minister of Justice, State Gazette of the Republic of Indonesia, SIUP, TDP, NPWP, SITU and License of Nuisance Act
  • Copy of account statement at least 3 (three) months
  • Copy of certificate, IMB, Blue Print, AJB and the last tax payment receipt (PBB)
  • Copy of ID card, Family Card and Marriage Certificate from the owner of the guarantee, if individual.

Terms, conditions, fees and other information on this product are subject to change. For further information, please contact Bank Index Call Center phone number (021) 6330055 or please visit the nearest Bank Index office.

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