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Consumer Banking > Personal Banking > Home Loans > KPR X-TRA Ringan
KPR X-TRA Ringan  
Customer pay monthly installment cheaper than KPR Reguler with Balloon Payment scheme. The balloon payment scheme up to 50% of loan amount, is paid in the end of tenure.

Loan purpose: purchase house from selected developers

Product Feature

Collateral

Tenure

Margin of Financing

Purchasing of house (new) from selected developers

Landed house

Max. 10 years and could be extended up to 10 years more with KPR Reguler

Up to 80%

Purchasing of shop house
(new/second hand)

N/A

N/A

N/A

Purchasing of apartment
(new/second hand)

N/A

N/A

N/A

Purchasing of Land

N/A

N/A

N/A

Take over

N/A

N/A

N/A

House Renovation

N/A

N/A

N/A

House Construction

N/A

N/A

N/A

Top Up

N/A

N/A

N/A

 

No

Dokument

Employees

Entrepreneur

Profesional

1

Copy of Applicants ID Card + Spouse.

x

x

x

2

Copy of Marriage Certificate and Family Relationship Card.

x

x

x

3

Copy of Tax Payer ID

x

x

x

4

Copy of Account Statement or Bank Statement (the last 3 months)

x

x

x

5

Original Statement of Income or the Pay Slip

x

 

 

6

Copy of Financial Statement

 

x

 

7

Copy of Practice License

 

 

x

8

Copy of Company Legal Act, Article of Association and its amendments.

 

x

 

Additional documents required for take over and multipurpose loans :

  • Loan advise/ loan ledger/ copy of bank statements or savings is used for installment (the last 12 months).
  • Copies of Complete Land Certificate: AJB, Building Permit and Tax Document (secondary house) or Purchase Contract (new house).




 
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