Home Suite

Details

Home Suite now comes with range of innovative products that fulfil your financial needs. Home Suite products prioritizing your ease and comfort.

Home Suite products available to choose:

• Mortgages for new or second-hand landed houses, apartments and shop houses.
• Refinancing or takeover your mortgage from another bank
• Equity loan (multi purpose loan)

•     Document Requirements

  1. Collateral Documents Requirement

     • Copy of Freehold Title (SHM) / Building Rights Title (SHGB) / Strata Title
     • Copy of Building Permit (IMB)/ Ijin Penggunaan Bangunan for Apartment
     • Copy of last Building and Land Tax (PBB)

  2. Personal Documents

     • Employee:
       • Copy of debitor's ID
       • Copy of spouse's ID
       • Copy of Family Registration Card / Marriage Certificate
       • Copy of debitor's tax ID
       • Prenuptial agreement (if any)
       • Copy of SPT / PPh 21
       • Last salary slip / income statement letter *
       • Copy of current or saving account statements for the last 3 months *
     • Self-employed:
       • Copy of debitor's ID
       • Copy of spouse's ID
       • Copy of Family Registration Card / Marriage Certificate
       • Copy of debitor's tax ID (NPWP)
       • Prenuptial agreement (if any)
       • Copy of SPT / PPh 21
       • Copy of current or saving account statements for the last 3 months *
       • Copy of business permit (SIUP), Company registration (Tanda Daftar Perusahaan /TDP), Deed of Incorporation, legalisation letter from Minister of Justice **
     • Professional:
       • Copy of debitor's ID
       • Copy of spouse's ID
       • Copy of Family Registration Card / Marriage Certificate
       • Copy of debitor's tax ID (NPWP)
       • Prenuptial agreement (if any)
       • Copy of SPT / PPh 21
       • Copy of current or saving account statements for the last 3 months *
       • Copy of practice license

     Notes:
     * For application using joint income, spouse's documents must be submitted
     ** Only for self-employed with legal entity / limited liability company
     

     You may also enjoy the privileges of becoming Standard Chartered Bank Priority Customer by having Rp. 1,5 Billion or more loan facility under Home Suite product.
     For more info on the Home Suite products, please click here
     Standard Chartered is a banking institution that is licensed, registered and supervised by the Indonesia Financial Services Authority (OJK)

Fees

Illustration to calculate instalment with Straight Line Method:

Calculation formula for Straight Line Method:

Principal x (Fixed Rate/12 months) x (1+ (Fixed Rate/12 months) ͭ /((1 + (Fixed Rate/12 months) ͭ) – 1))

Instalment for the fixed first year period:

Rp100.000.000 x (10.5%/12 months) x ((1 + (10.5%/12 months)¹²º)/((1 + (10.5%/12 months)¹²º) - 1))

Rp100.000.000 x 0.00875 x (2,845/(2.845 - 1))

Rp100.000.000 x 0,00875 x 1,542 = Rp1.349.350

Therefore your instalment during the fixed year period are IDR 1.349.350 with details as follow

Instalment during floating period with condition of increased interest rates to 13%

Rp94.025.714 x (13%/12 Month) x ((1 + (13%/12 Month)¹²ºˉ¹²)/((1 + (13%/12 Month)¹²ºˉ¹²) - 1))

Rp94.025.714 x 0.01083 x (3,202/(3202 - 1))

Rp94.025.714 x 0.01083 x 1,454 = Rp1.481.242

Thus your instalment during floating period for the 2nd year with conditions increased interest rates to 13% will be IDR 1.481.242 with details as follow:

Instalment during floating period with condition of increased decrease rates to 13%

IDR 94.025.714 x (10%/12 months) x ((1 + (10%/12 months)¹²ºˉ¹²)/((1 + (10%/12 months)¹²ºˉ¹²) - 1))

IDR 94.025.714 x 0.0083 x (2,450/(2,450 - 1))

IDR 94.025.714 x 0.0083 x 1,689 = IDR1.481.242

Thus your instalment during floating period for the 2nd year with conditions decrease interest rates to 13% will be IDR 1.481.242 with details as follow:

*) The illustration in the above scenario is only a simulation or example and is not a guarantee or promise for the results that will be received by the customer

Payment Administration Fee

* Ease of payment through Standard Chartered tellers, more than 10.000 Standard Chartered ATMs and the ATM Bersama network.

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