Home Suite now comes with innovative products that fulfil your financial needs.
Apply Now

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

Interest Rates
  • 7.5% p.a fixed for the first one year period, then afterwards floating rate will be applied
  • 8.5% p.a fixed for the first 2 years period, then afterwards floating rate will be applied
  • 8.75% p.a fixed for the first 3 years period, then afterwards floating rate will be applied
Provision Fee
  • 1% of Loan amount
Administration Fee
  • Rp250.000
Collateral Appraisal Fee
  • Rp. 1.100.000
Insurance Premium Life Insurance
  • Insurance premium will follow premium rate from insurance company registered in Bank panel (to cover the loan amount along the tenor) with single premium, paid upfront
Fire Insurance
  • Insurance premium will follow premium rate from insurance company registered in Bank panel (to cover the loan amount along the tenor) with single premium, paid upfront
Notary Fee
  • Notary fee will be stipulated by notary registered in Bank panel on the loan agreement and security encumbrance
Early Redemption Fee

    2% from outstanding loan amount with additional redemption fee as below:

  • Rp250.000 for partial loan amount settlement
  • Rp500.000 for full loan amount settlement
Late Charges
  • Customer will be charged for the late payment charges in the amount of 2% from the monthly instalment amount calculated in daily basis

Illustration to calculate instalment with Straight Line Method:

Plafond IDR 100.000.000,-
Tenor 10 years (120 months)
Period Fixed 1 year
Interest Fixed Rate 10.5 %
Interest Floating Rate (Increase) 13 %
Interest Floating Rate (Decrease) 10 %

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

Months Instalment Principal Interest Balance
1 1,349,350 474,350 875,000 99,525,650
2 1,349,350 478,501 870,849 99,047,150
3 1,349,350 482,687 866,663 98,564,462
4 1,349,350 486,911 862,439 98,077,551
5 1,349,350 491,171 858,179 97,586,380
6 1,349,350 495,469 853,881 97,090,911
7 1,349,350 499,804 849,545 96,591,106
8 1,349,350 504,178 845,172 96,086,928
9 1,349,350 508,589 840,761 95,578,339
10 1,349,350 513,040 836,310 95,065,299
11 1,349,350 517,529 831,821 94,547,771
12 1,349,350 522,057 827,293 94,025,714

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:

Months Instalment Principal Interest Balance
1 1,323,759 540,211 783,548 93,485,502
2 1,323,759 544,713 779,046 92,940,789
3 1,323,759 549,252 774,507 92,391,538
4 1,323,759 553,829 769,929 91,837,708
5 1,323,759 558,444 765,314 91,279,264
6 1,323,759 563,098 760,661 90,716,166
7 1,323,759 567,790 755,968 90,148,376
8 1,323,759 572,522 751,236 89,575,854
9 1,323,759 577,293 746,465 88,998,561
10 1,323,759 582,104 741,655 88,416,457
11 1,323,759 586,955 736,804 87,829,502
12 1,323,759 591,846 731,913 87,237,656

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:

Months Instalment Principal Interest Balance
1 1,323,758.52 540,210.91 783,547.62 93,485,503.09
2 1,323,758.52 544,712.66 779,045.86 92,940,790.43
3 1,323,758.52 549,251.94 774,506.59 92,391,538.49
4 1,323,758.52 553,829.04 769,929.49 91,837,709.46
5 1,323,758.52 558,444.28 765,314.25 91,279,265.18
6 1,323,758.52 563,097.98 760,660.54 90,716,167.20
7 1,323,758.52 567,790.46 755,968.06 90,148,376.73
8 1,323,758.52 572,522.05 751,236.47 89,575,854.68
9 1,323,758.52 577,293.07 746,465.46 88,998,561.61
10 1,323,758.52 582,103.84 741,654.68 88,416,457.77
11 1,323,758.52 586,954.71 736,803.81 87,829,503.06
12 1,323,758.52 591,846.00 731,912.53 87,237,657.06

*) 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.

ATM Fee (Rp) Teller Fee (Rp)
Standard Chartered Bank Free Standard Chartered Bank 75,000,-
ATM Bersama Network 5,000,-    
BII 7,500,-    
CIMB Niaga 7,500,-    
BCA 7,500,-    

Useful Information

Apply Online

Click here to sign up now.

Apply Now

Call Us

Call our hotline for further information.

(021) 57 9999 88
68000 (Mobile)

Locate Us

Visit the branch that is nearest to you.

Find a Branch »

You might also be interested in

Personal Loan Fixed Instalments

It's easier to manage your finances with fixed monthly instalments.

More details »
Back to Top

Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

Proceed