Financing the houses ownership or repair, villas, apartments, and flats, with murabaha or istishna.


  • The financing ceiling is adjusted to the customer's installment capability.
  • The financing period is up to 20 years.
  • The installment remains unchanged during the financing period.
  • Down payment is only 20% for the buildings purchase with a maximum area of ​​70m2.
  • No down payment for the renovation or building materials purchase.
  • Realizing the various your residence needs, namely:
    • Ownership of new or old houses / villas / apartments / flats.
    • Construction or renovation of houses / villas / apartments / flats.
    • Ownership ready vacant land or plot to build a of 300m2maximum area.
  • Free choice of location, either in housing or outside housing.
  • Collateral in the objects form financed, or with the power of special salary deductions for employees and members of the TNI / Police
  • The income source can be Joint Income.

Terms and Conditions

  • The minimum applicant age is 21 years.
  • When financing is due, the maximum is 65 years old or not yet retired.
  • Individual Customer, Permanent status employees, TNI / Police, Head / Deputy Region Head members, Parliament / DPRD members, Professionals, and Entrepreneurs.