Already found your dream home, but what about the mortgage?

Apply for a mortgage through IDEAL and get light interest rate options, fast process, and can apply to up to 3 banks at once. Plus, the application is free and easy!

Find out the estimated total mortgage loan, installment amount, and its tenor.

Monthly Income

Your Age

Tenor

Ongoing monthly installment

Summary

With your current income, you can borrow

for mortgage

With a monthly payment of

Rp 0

for

Year

There are bank products with fixed rate of 2.5% for 1 year that you can apply for!

This guide can help make everything smoother.

Make sure you have already found a house to purchase using a mortgage & The seller has agreed to that.

Check the property documents owned by the seller, Is it already under SHM status? And does it have IMB & PBB documents.

Create "Letter of Intent / Deposit Agreement" between you and the seller. This letter will later be submitted to the bank.

If all documents are complete, The buyer can directly open the IDEAL website or app. Choose "Secondary KPR"

Enter property information, and mortgage product preferences to get suitable product recommendations.

Submit application, and track the latest status in the menu "Activity" for check your loan application regularly.

Before applying for the mortgage, you must know the required terms and documents. Go ahead, take a screenshot first!

	Employee	Professional	Entrepreneur
Letter of Commitment
Copy of Certificate of Ownership (SHM) / Building Use Rights (HGB) / Strata Title (SHMSRS)
Copy of Building Permit (IMB) & Land and Building Tax (PBB)
Copy of Family Card
Copy of Marriage/Divorce/Death Certificate
Copy of Applicant’s and Spouse’s ID Card
Last 3 Months’ Bank Statements
Permanent Employee Letter
Last 3 Months’ Pay Slips
Practice License
Financial Statement
Deed of Establishment/Amendment
Business License & Company Registration/NIB