• Extensive property coverage: commercial units, industrial units, shop-houses, and residential units.*
  • High financing quantum: starting from Rp500 million.
  • Flexible repayment method: tenure up to 10 years.
  • Reasonable rate: available option for fixed or floating.
  • Current account and Straight2Bank (internet banking for business transaction) facilities.
  • Access to other Standard Chartered products and services (FX facilities, export / import banking facilities, fixed deposit, cash management, working capital loan, phone banking).
  • Monthly instalment payment from your Standard Chartered account.
  • Monthly instalment payment through cash deposit or transfer to Standard Chartered account.
  • Fire insurance to protect your property.
  • Life insurance to protect your loved ones. (for UD/PD)


Loan is available for businesses with minimum of 3 years of an establishment that has business license / permits and with the age of owners 25 to 65 years old.

*Business qualification is valid for personal ownership

No. Document New Applicant Existing Applicant
1. Copy of HM / HGB / strata title certificate tick tick
2. Copy of IMB / Izin penggunaan bangunan for apartment tick tick
3. Copy of denah bangunan* tick tick
4. Copy of the most current PBB tick

*If needed

Document PT CV/FA UD/PD
Copy of managements and shareholders ID cards tick tick tick
Copy of Corporate Certificates and Amendments tick tick
Copy of Law and Human Rights Minister Decree or Agreement in the Sheet the State Gazette of RI tick
Copy of Company Tax Number (NPWP) tick tick
Copy of Owner Tax Number (NPWP) tick
Personal Guarantee*** and copy of wife / husband ID cards with copy of both tax number (NPWP) tick tick
Agreement Letter for Loan Application and Management tick tick
Copy of Business License with minimum 3 (three) years period. tick tick tick
Copy of Business Authentication (if any)** tick tick tick
Copy of Company Identity Number (TDP) tick tick
Copy of deposit account for the last 6 (six) months **** tick tick tick
Copy of husband/wife ID Cards (for UD / PD) tick
Copy of Marriage Certificate / Family Card (For UD / PD – For those already married) tick

*For major shareholders listed in the company certificate (with minimum 51% of shareholders)

**Working capital facilities on bank / electricity bill / phone bills / water bills / bank details letter / tax letter.

*** Current account used for business transaction, current account at other banks, personal account used for business, overdraft account

Risk Factors

Any bank transactions as well as any other bank products may also contain risk factors. Our Operational Team and Customer Service had received adequate training to conduct transactions and explain to customers about our products and activities. Before you open an account and / or commence using banking features, we require you to read and understand the risks, terms and conditions for each product and transaction type.

Please contact our Relationship Manager (RM) or visit your nearest Standard Chartered branch.

*Terms and Conditions apply

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(021) 57 9999 98
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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.


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.