KPR J Trust

• Long-term mortgage up to 30 years
• Low installment
• Competitive interest rate

KPR J TRUST

KPR J Trust is a credit facility provided by PT Bank JTrust Indonesia Tbk. to finance purchasing of land and buildings, for newly-purchased house or second-hand house, in the form of houses, apartment, shophouses, home offices and could be used for the purpose of house construction or house renovation as well.

Eligible Collateral

House, Apartment, Shophouses and Home-office

KPR J Trust product details

1. KPR Primary

KPR Primary is a mortgage facility provided to debtor where house used as collateral is a new house purchased from the developer which collaborated with J Trust bank

2. Secondary Mortgage

KPR secondary is a mortgage facility provided to debtors for their needs :

1. Second-hand house purchase, or
2. Newly purchased house (which are not from bank’s developer partner), or
3. For the construction or renovation purposes

The following are part of Secondary Mortgage product :

1. Take Over Mortgage

Financing for the transfer of mortgages from other bank to J Trust Bank using the exact same debtor and collateral

2. Top-Up Mortgage

Financing for addition of existing mortgage facilities at J Trust Bank with the same exact collateral

3. Multipurpose mortgage

Multipurpose mortgage is a credit facility provided by J Trust Bank, where the fund is used to finance the consumptive needs of prospective debtors, as collateral for land and buildings and/or for refinancing purposes

Mortgage term period
1. Maximum of 30 years to purchase for new house, second-hand house or indented house. As for Building Use Rights Certificate (SHGB), must be 2 years before its maturity date for the collateral’s land right certificate.
2. Maximum 10 years for :
   1. Home-offices
   2. Shop-houses
   3. Apartment
3. Maximum of 10 years for Multipurpose Mortgage (KSG).

INSTALLMENT SIMULATION

Simulation using 6.49% of promotion interest

General requirements to enroll J Trust mortgage program

• Indonesian citizen (WNI) or foreign citizen (WNA) resides in country of Indonesia
• Minimum 21 years of ages when loan application is submitted
• Maximum age when mortgage period ends
  • 55 years for office employees (retirement age limit)
  • 65 years old for entrepreneur/professional.
• Have a stable occupation and income
  • Office employees : Permanent employee status with a minimum of 2 years of working, include previous company previously.
  • Professional/Entrepreneur: Minimum 3 years of experience on the same field.
• Necessary document to be prepared :

No	Document	Employees	Entrepeneur	Professional
1	Copy of ID card of the applicant and spause
2	Copy of marriage certificate / divorce certificate / death certificate (For those who are married/divorced)
3	Copy of Family Card
4	Copy of Account Statement/Savings for the last 3 months
5	Copy of personal (or spuse's) NPWP
6	Original Salary Slip/Income Certificate and Position Certificate
7	Copy of Profit and Loss Balance / Latest Financial Information	-
8	Copy of the company's deed of establishment and business permist	-		-
9	Copy of professional practice license	-	-
10	Copy of SHM/SHGB Collateral Ownership Documents, IMB and PBB-STTS (Proof of Payment)

• Bank Fees
  • Provision 1% from mortgage amount limit
  • Administration fee, minimum IDR 250,000
  • Mortgage right fee (Hak Tanggung)
• Notary Fee
  • Mortgage contract agreement fee
  • SKMHT/APHT certificate fee
• Appraisal Fee
  • Minimum IDR 300,000 or according to invoice amount claimed by Appraisal Service (KJPP)
• Insurance Fee
  For protection purpose during mortgage period, insurance fee is paid by debtor in advance
  • Life Insurance
  • Loss insurance