Why you should switch your mortgage bank?
Because there are many benefits that give you more flexibility:
Free from high floating interest rates
Save up to hundreds of millions on your total loan
Freely choose from mortgage offers from multiple banks
Free simulations, consultations, and assistance until signing — all for free!
Apply to up to 3 banks at once in a single submission
Enter your current mortgage information
* Min: Rp 100.000.000 Max: Rp 20.000.000.000
Loan Tenor Mortgage
10 Year
1 Year
30 Year
Installment Mortgage final (estimated)
Fixed Interest Rate*
For*
Want to Transfer Your Mortgage? Do it with IDEAL!
Transferring your mortgage can be a great solution to lighten your financial burden by lowering your monthly payments, reduce your total loan amount, change your mortgage type, to get a lower interest rate.
Aside from mortgage loans, there are also multipurpose loans.
What’s the difference between these two types of loans?
You need to know this, especially since both types can be transferred to another bank!
Transfer Mortgage Loan to Another Bank
A type of loan that can be used to buy new or second-hand property through a credit scheme. If you have this type of loan and want to switch banks, choose a service Mortgage Take Over on the IDEAL app.
Transfer Multipurpose Loan to Another Bank
A type of cash loan that can be used for various needs by using your owned property as collateral. If you have this type of loan and want to switch banks, choose a service Transfer Multipurpose Loan on the IDEAL app.
Note! Required documents for applying to transfer your mortgage bank via IDEAL
Wondering what documents are needed to apply for a mortgage bank transfer?
Outstanding Letter from Previous Bank
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
List of partner banks & lending institutions
Our partners who have collaborated with us
Loans from Rp100 million up to Rp15 billion
Tenor 1–30 years
Interest rate 2.5% - 9.99% per year
Want to Be Free from Unpredictable Floating Rates?
Start your Take Over journey with IDEAL.
Try the app for FREE!
Frequently Asked Questions
You can learn more about mortgage bank transfer applications through this FAQ