Housing loan is prioritized for customers of Bank Bumi Arta (BBA) in need and is primarily intended for the purchase of the general houses, flats, as well as home offices or home stores

Advantages

• Ease of Credit Application   
• Competitive Interest Rate Loan   
• Term of loan up to 15 years   

Requirements

• Indonesian Citizen of at least 21 years old or married, and a maximum of 55 years old at the time of loan maturity for employees and a maximum of 65 years for the professional   
• Having a steady job and earning sufficiently according to the Bank, either as an employee or self-employed   
• The amount of installment is of a maximum of 1/3 of the gross salary of the debtor / combined income of husband and wife   
• Debtor or the spouse of the Customer is treated as 1 (one) debtor or customer unless an agreement of notarized asset separation is attached, and / or a marriage certificate which states the separation of asset that has been agreed upon in writing and has been endorsed by the Employee of Marriage Registrar (according to Law of the Republic of Indonesia No. 1 of 1974 on Marriage, Article 29)   
• NOT in the Customer of National Black List (DHN) and Bad Debt List   

Documents Required

    Individual Customer

• A copy of Identity Card of the debtor
• A copy of ID card of the spouse
• A copy of family card
• A copy of Marriage Certificate (for Customers who are married)
• A copy of Tax Identification Number (NPWP) for loans above Rp. 50 million
• Current / Savings Account of the debtor for the last 3 months
• Statement from the prospective debtors or customers that at least contains information regarding the ongoing Public Housing Program (PPR) (outstanding) and/or which is in  the application process, both at Bank Bumi Arta as well as at other Banks
• Original Salary Slip for last 3 months (ESPECIALLY for Employee Customers)
• Original Statement letter from the Company (ESPECIALLY for Employee Customers)
• A copy of Practice License (ESPECIALLY for Professional Customers)
• A copy of Business Permit (SIUP) and Company Registry Insignia (TDP) (ESPECIALLY for Self-employed Customers)   
• Ease of Credit Application   
• Competitive Interest Rate Loan   
• Term of loan up to 15 years