Housing Credit Program

Investment credit/financing and/or working capital credit/financing provided to Micro, Small, and Medium Enterprises (MSMEs) in the form of individuals or business entities, conducted to support the achievement of priority programs in the housing sector.

  • Terms and Conditions
    • Maximum of 4 (four) years for working capital credit or a maximum of 5 (five) years for investment credit
    • Housing Supply Side: Minimum 8.00% p.a. effective/annuity floating rate
    • Housing Demand Side: Minimum 6.00% p.a. effective/annuity floating rate
  • Fees
    • Provision Fee: 0.5% of the credit limit (plafond)
    • Administrative Fee: IDR 25,000 to IDR 250,000, depending on the credit limit
    • Collateral Appraisal Fee: IDR 50,000 to IDR 1,000,000, depending on the credit limit
  • Benefits
    • Supports MSMEs such as developers, contractors, and building material traders in providing housing.
    • Increases the capacity of MSMEs such as developers, contractors, and building material traders in providing housing.
    • Supports MSME activities through home purchase, construction, or renovation activities.
    • Encourages increased labor absorption.
    • Increases the housing sector's contribution to economic growth.
  • RIPLAY (Product and Service Information Summary)
    • The general version of RIPLAY (Product and Service Information Summary) is a standard document that contains comprehensive essential information regarding financial products or services.
    • Housing Program Credit (KPP) RIPLAY ->

For requirements, further terms, or information regarding our products, please contact Info Bank Jatim at 14044 or visit the nearest Bank Jatim Branch Office.