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The advantages of Housing Loan:
• Loan Tenor
Up to 25 years, it will give you the flexibility in organizing your money.
• Credit Purpose
The credit can be used to purchase various kinds of property, from landed residential house, shop house, and also apartments. You can use these properties as residential house or for investment.
• High loan amount, up to 10 billion Rupiahs
With high loan amount you can enjoy financial freedom to achieve your dreams.
• Loan amount against property value (LTV)
Enjoy up to 80% loan amount from bank’s appraisal value against your property.
• Payment Channels
Ease of payment through Standard Chartered Bank tellers and more than 10.000 Standard Chartered Bank ATMs and ATM Bersama network

Credit Purpose • New Purchase
• Refinancing / Take Over
• Loan Against Property / Equity Loan
Loan Amount • Minimum Rp 500.000.000,-
• Maximum Rp 10.000.000.000,-
• For shop house maximum Rp 3.000.000.000,-
Loan to Value Ratio (LTV) • Up to 80% from Bank appraisal value
Tenor • Minimum 1 year
• Maximum 25 years
• Maximum 10 years for shop house
Collateral • Property purchase intention:
    o Residential - to be occupied
    o Investment– to be rented
    o Other investment
• Maximum property age is 40 years by loan maturity date. Property older than 40 years old can still be processed with maximum 60% LTV from bank’s appraisal value.
• Property types: landed houses, apartments, shop houses
• All properties must have Freehold Title(SHM)/Building Rights Title (SHGB) or Strata Title for apartments
• Land title must be transferred to debitor’s/debitor’s spouse’s/debitor’s family’s name
• Should land title be transferred to debitor’s family, the debitor’s family must be 18 years of age at the minimum