Mortgage Simulation & Information

Discover how easy it is to own your dream home with mortgage facilities. Calculate estimated installments, explore tenor options, and find financing solutions that fit your needs.

Calculate Your Mortgage Installment Estimate

Use our interactive simulation to estimate your mortgage installments based on property price, down payment, and tenor. Plan your property purchase with more certainty and confidence.

Mortgage Simulation Result

Rp. 0 / monthly installment

*Simulation results are estimates. Installments may change based on interest rates, applicant profile, and bank assessment.

Requirements & Documents for Mortgage Application

Prepare the following documents and meet the requirements to simplify your mortgage application process.

General Requirements for Mortgage Application

Indonesian Citizen (WNI)
Minimum age 21 and maximum 55 years (at the end of the loan term)
Has a stable monthly income
Minimum work period: 1 year (employee) / 2 years (entrepreneur/professional)
No history of problematic credit

Required Documents

For Employees

Photocopy of ID Card (KTP) & Family Card (KK)
Photocopy of Tax ID (NPWP)
Last 3 months' payslips
Employment certificate
Last 3 months' bank statements/savings records
Photocopy of certificate/sale deed/IMB (if available)

For Entrepreneurs/Professionals

Photocopy of ID Card (KTP) & Family Card (KK)
Photocopy of Tax ID (NPWP)
Last 3 months' bank statements/savings records
Business License (SIUP/TDP) or Business Certificate
Simple financial statement
Photocopy of certificate/sale deed/IMB (if available)

Mortgage applications require complete documents and a healthy financial condition. Each bank may have additional requirements depending on job type and property. Ensure valid data and a clean credit history to speed up the approval process.

Mortgage Application Flow

Learn the complete stages of a mortgage application from document preparation to approval process. By following this flow, you can prepare each step more easily and clearly.

Initial Consultation

Discuss your needs and financial capability with our team to determine the right property type and mortgage simulation.

Document Preparation

Complete the required documents such as ID, payslips, bank statements, and other supporting documents according to your employment status.

Submission to Bank

Our team will help submit your mortgage application to partner banks with the best offers, tailored to your profile.

Bank Verification Process

The bank will verify your data, perform credit checking, and property appraisal to determine loan eligibility.

Credit Approval (SPK)

If approved, you will receive a Credit Approval Letter (SPK) from the bank containing loan limit, tenor, and installment details.

Loan Agreement Signing

After SPK approval, the loan agreement is signed before a notary with the bank and the developer/property owner.

Property Handover

After the agreement is completed, the property will be officially handed over to you as the owner.

Find the Best Partner in Finding Your Property

Every property need requires the right approach. If you want to discuss further or need reliable guidance, don't hesitate to contact us.