Definition of Griya Berkah
Griya Berkah is Home Ownership Financing aimed at individuals or individuals of permanent employees of both government and private as well as public / private entities.
Excellence Griya Berkah
- Low credit terms and Fast credit processing
- Competitive financing margin
- Long Term Credit Period
- Down Payment (DP) Payment
Requirements of Griya Berkah
Fixed Income Customer
- Fill Application Application
- FC KTP applicant husband / Wife, FC family card, FC marriage certificate / divorce or unmarried information
- FC savings / giro account last 3 months
- Original paycheck last 3 months and certificate of long work as well as last position
- NPWP for loan amount>IDR50 million
- Power of attorney withholding salary for payment of collective installment
Non-Permanent Income Customer
- Fill Application Application
- FC KTP applicant husband / Wife, FC family card, FC marriage certificate / divorce or unmarried information
- FC savings / current accounts at BPD Kaltim or at other Banks in the last 1 year
- Letter of Earnings
- NPWP for loan amount>IDR50 million
- FC SIUP, SITU and TDP are still valid
Advantages of Griya Berkah
- Facilities:
- Financing of Home Ownership with Murabaha Pattern
- Home Ownership Financing with Istishna Pattern
- Time period
- Maximum financing period of 15 (fifteen) years
- Individual / Individual Debtor Criteria
- Proficient in law
- Have a permanent employment (as an employee or other occupation that has a steady income) or run his own business (Self-employed) with a minimum of 2 years
- The applicant's age is at least 21 years old and at the maturity of the maximum age of 65 years
- Cost
- Upfront payment / down payment is at least 10% of the house price
- Administration fee of at least 1% & maximum 1.5% of financing plafond and collected 1 (one) time on disbursement of financing
- Cost of Life Insurance and Fire Insurance
- Collateral
- Power of Attorney Sell (SKJ) is upgraded to Mortgage Right (HT)
- For buildings that at the time of binding condition is still 0 (no progress) can be done through PPJB (Binding of Sale and Purchase Agreement)
- Legalization of notary for loan up to IDR100 million
- Notarized for loans>IDR100 Million
Margin Griya Berkah
Time Period | Margin | Calculation System |
1 Year up to 20 Year | 14.50 % pa | Anuitas |