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bjb KPR

bjb KPR is a superior product from the bank bjb kpr provided to active employees, members of the TNI, Police, professional, self–employed for purposes of home purchase, home construction, and renovation with an easy and light condition.
 
The special quality:

  1. Longer loan term
  2. The amount of installment is very flexible, can be customized with your ability
  3. Repayment of loans can be made every time without the burdensome repayment costs
  4. Easy and quick process
  5. The maximum ceiling of 2 million rupiah

General requirements:
Indonesian Citizen with the status as:

  1. Active employee, consist of :
    • The civilian servant (region government and non region government)
    • The employee of  BUMN / BUMD / BHMN
    • The employee of multinasional corporate (PMN)
    • Employees of private companies in the country
    • Employees of foreign private companies 
  2. Members of  TNI/Police
  3. Professionals whose income can be verified
  4. Entrepreneurs whose income can be verified

Documents required for filing for KPR multi Griya bank bjb

No Document’s Type   Employee Entrepreneur Professional
1 The foto  copy of  KTP
2 The foto copy of employee card    
3 The Foto copy Kartu keluarga (family card)
4 NPWP*)
5 Sign salary/income  
6 Letter of agreement from husband/wife
7 Foto copy of taspen card Kartu    
8 Power of attorney to cut the salary    
9 The letter claims that are acknowledged by salary’s treasurer    
10 Foto copy of letter of final staffing decision    
11  OTS official report stating the applicant is a permantent employee      
12 The practice permit of the profession    
13 TDP, SITU, SIUP  
14 Jamsostek participant’s card    
15 Financial report  
16 Foto copy account of the last 3 months
17 Original document of SHM, SHGB, IMB dan PBB

*) to request credit equal to or geather than 100 million rupiah required to attach NPWP
**) for private employees, income certificate and certificate of his previous job as well as the latest position of the company may be submitted in one certificate of costes incurred in connection with KPR Multi Griya bank bjb (credit processing cost, administration, mortgage and insurance)

# Tingkat suku bunga produk KPR & Mortgage

Produk

Loan Type

Suku Bunga

Masa Fixed

Suku Bunga Thn Berikutnya

bjb KPR :

Primary (RT)

E9D

9,75% p.a eff

1 Thn

Floating

Secondary (RT)

E9I

11,00% p.a eff

1 Thn

Floating

bjb Consumer Mortgage :

Pembelian Primary (NRT)

KO1

11,00% p.a eff

1 Thn

Floating

Pembelian Secondary (NRT)

KO2

12,00% p.a eff

1 Thn

Floating

Take Over (RT & NRT)

J01

9,75% p.a eff

1 Thn

Floating

Membangun (RT & NRT)

J03

12,50% p.a eff

1 Thn

Floating

Multiguna (RT & NRT)

J04

12,00% p.a eff

1 Thn

Floating

Top Up (RT & NRT)

-

11,00% p.a eff

1 Thn

Floating

bjb Commercial Mortgage :

Pembelian Primary (NRT)

KO3

12,00% p.a eff

1 Thn

Floating

Pembelian Secondary (NRT)

KO4

12,50% p.a eff

1 Thn

Floating

Top Up (NRT)

-

12,50% p.a eff

1 Thn

Floating

Lainnya :

bjb KPR & Mortgage Pegawai bank bjb

E9J,E9K

6.99% p.a eff

2 Thn

Floating

 

Keterangan :

- RT / Rumah Tinggal = Rumah Tapak dan Apartemen / Rumah Susun
- NRT / Non Rumah Tangga = Rumah Kantor (Rukan), Rumah Toko (Ruko), Rumah Usaha, Rumah Peristirahatan (Vila), Kios, Kantor, Kantor Toko (Kanto), Gudang termasuk Rumah Tinggal Sewa (seperti antara lain : rumah kost atau rumah kontrakan) serta objek pembiayaan lainnya yang bukan Rumah Tinggal.
- Suku bunga Floating menjadi sebesar 13,50% p.a effektif dan belaku mulai tanggal 01 April 2014.
- Sistem perhitungan bunga produk bjb KPR & Mortgage secara anuitas bulanan.
- Denda Pelunasan sebagian dan pelunasan Seluruhnya :

% Denda Batas Dibebaskan denda pelunasan dipercepat
2% Masa suku bunga Fixed + 1 thn

- Denda Pelunasan sebagian dan pelunasan seluruhnya untuk produk KPR & Mortgage Pegawai bank bjb tetap sebesar 0% (nol persen).
- Efektif diberlakukan sejak tanggal 17 Februari 2014

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