Realize your plan of having your dream house

Advantage and Benefits

  • Easy requirements
  • Fast processing time
  • Competitive interest rate
  • Credit Limit up to 85% from collateral value based on valuation
  • Easy access payment channel through Prima ATM network
  • Optional for auto debit from CTBC accou


  • Collateral types are landed house, apartment, shop house or office house
  • Flexible tenure up to 20 years
  • Loan amount up to 10 bio IDR
  • Interest is amortized along with the principle loan installment and charged to loan account
  • Early payoffs may be done according to the Bank’s terms and conditions


General Requirements

  • Indonesian citizen
  • Apply as individual
  • Age criteria from 21 years old until 55 years old for employee (max 65 years old for Self-Employed or professional)
  • Minimum Income IDR 10 Mio for Jabodetabek & IDR 7 Mio for Surabaya
  • all collateral must be 100% ready

Document Requirements

Document Requirements Employee Professional Self-employed
Photocopy of ID card (applicant & spouse) v v v
Photocopy of family card v v v
Photocopy of marriage certificate / divorce certificate / pre-nuptial agreement v v v
Photocopy of personal tax card v v v
Photocopy of passbook bank account / checking account (min 3 months) v v v
Original copy of salary slip (latest 3 months) or annual income tax letter (SPT PPh 21) v
Original copy of letter of employment confirmation v
Working permit v
Latest annual financial statement
Photocopy of business license (SIUP) v
Photocopy of listed company proof (TDP) v
Photocopy of company's establishment certificate, charter and the changes v
Photocopy of latest building permit, deed of sale, building & land tax payment v v v

v Mandatory • optional

Fees and Charges

  • Credit provision 1% of loan amount
  • Credit administration fee 0.1% from loan amount or 350.000,- IDR
  • Fire and Life Insurance Company & premium determined by CTBC Bank
  • Notary fee for credit agreement & mortgage deed
  • Appraisal fee with condition determined by CTBC Bank

Risk & Benefit for Customer


  • If an account is in arrears, a late charge will be applied on the arrears balance
  • Risk caused by system failure or human error may affect the transaction is not smoothly conducted


  • Support customers in financing their short-term / mid / long-term financial needs for purchasing property and refinancing

Further Information

Head Office - Jakarta
Tamara Centre, 3rd floor Jl. Jend. Sudirman kav.24 Jakarta 12920 - Indonesia
Telp. (62-21) 2991 3900 (hunting)
Fax. (62- 21) 527 1791
website: www.ctbcbank.co.id

Branch Kelapa Gading - Jakarta
Blok XC.09 No.1-2 Jl.Boulevard Barat Raya, Kelapa Gading Jakarta 14240 - Indonesia
Telp. (62-21) 4587 7078
Fax. (62-21) 4587 7077

Branch Pluit - Jakarta
Ruko CBD Pluit Blok S/11 Jl.Pluit Selatan Raya Jakarta 14450 - Indonesia
Telp. (62-21) 6667 3100
Fax. (62-21) 6667 3411

Cabang Darmo - Surabaya
Bukit Darmo Boulevard Office Park 2 Blok B2 No. 20-21 Surabaya 60226 - Indonesia.
Telp. (62-31) 7322277
Fax. (62-31) 7322266

For further information, please contact Call Centre CTBC Indonesia Bank. Indonesia. (021 - 29913900)
From 08.30 - 17.30