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Home Financing

Home Financing from Commonwealth Bank is a mortgage loan provided for individual to purchase residential house, apartment, shop house, office house, or vacant land.


  • Varied interest rate choices that accommodates Your needs
  • Loan limit range between IDR 100 million to IDR 15 billion
  • Credit facilities up to 80% from the collateral value based on valuation
  • Flexible loan period:
    Residential house, apartment, shop house, office house, and vacant land with construction purpose: 1 – 20 years
    Vacant land without construction purpose: 1 – 5 years
  • Auto Debit Facility for more convenient home loan repayments
  • Your certificate will be kept safely until the end of loan period
  • Coverage by life and fire insurance
  • Take over Home Financing, transfer existing customer’s home financing from other providers to Commonwealth Bank
  • Top-up Home Financing, opportunity to have additional loan amount on the existing Commonwealth Bank Home Financing
  • Indonesian citizen
  • Age: minimum 21 years or married
    maximum 60 years at the end of credit
  • Residence: any cities with Commonwealth Bank representative offices
  • Minimum income for both husband & wife (take home pay or net income)
    - IDR 5 million/month

Property Loan for Expatriate (Indonesia Property Loan), click here.

Required Documents:

Personal Documents:
  • Copy of applicant’s ID Card
  • Copy of spouse’s ID Card
  • Copy of Marriage Certificate
  • Copy of Family Card
  • Copy of Tax File Number (NPWP) or Annual Tax Payment (SPT)
  • 3 x 4 photograph
Collateral Documents:
  • Copy of Land Ownership Certificate (HM/HGB)
  • Copy of Deed of Sales & Purchase (AJB)
  • Copy of Building Permit (IMB)
  • Copy of Building Blue Print
  • Copy of the latest Land and Building Tax (PBB)
  • Receipt of appraisal fee payment (for mortgaged land & building)
Document Type Employee Entrepreneur Professional
Photocopy of last 3 months Savings/Current Account v v v
The latest Salary Slip*/Company’s Statement Letter/Work Reference v    
Copy of Trading License (SIUP)/Company Registration Certificate (TDP)   v  
Copy of Professional License/Certificate     v
Copy of Article of Establishment & Articles of Association   v  
Copy of Financial Report for the last 2 years (if any)   v  

List of insurance company which has cooperation agreement with PT. Bank Commonwealth is as follow:

No. Life Insurance
1. PT. Commonwealth Life
2. PT. Asuransi Jiwa Sinarmas
3. PT. Asuransi Central Asia Raya
4. PT. Panin Dai-ichi Life
5. PT. Bumi Putera Muda

No. Fire Insurance
1. PT. Asuransi Allianz Utama Indonesia
2. PT. Asuransi Wahana Tata
3. PT. Asuransi Sinarmas
4. PT. Asuransi MSIG
5. PT. Asuransi Lippo
6. PT.Asuransi Adira
7. PT. Asuransi Indrapura
8. PT. Asuransi ACE-Jaya Proteksi
9. PT. Asuransi Dayin Mitra

For further information about Home Financing Product, please contact:
- Call CommBank (area code) 5000 30
- Nearest Commonwealth Bank's branch office

Starting from 2 January 2014, floating interest rate of Housing Loan is changed to 13.50% p.a. effective.

*Salary Slip should be computerized and carbonized. If not, please kindly submit Company’s Statement Letter stating monthly salary

Effective as of 20 August 2014, PT Bank Commonwealth Credit Agreement for Housing Loan has been adjusted to comply with laws including the Financial Services Authority regulations


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