EBP Kredit pemilikan Rumah


Credit facility to help customers to buy new or used houses, apartments, stores, offices, both from developers and non-developers. This facility can also be used for house construction and renovation in Indonesia with attractive interest rates for fast funding.



  • Low and competitive interest rates

  • Fast and easy process

  • The credit period is up to 5 years

  • Loan limit up to 80% (subject to change)



  • ​Individual 

  • Work in agencies / institutions / business entities / companies that have EBP agreement with J Trust.

  • Minimum 2 (two) years work experience.

  • Minimum age 21 years old, maximum retirement age when the credit is due.

  • Get recommendations from companies

  • Fill out the application form.

  • Has insurance​



  • A maximum of 25 years for the purchase of a new, used or indent house, and Building Rights Title Certificate (SHGB) up to 2 years before the maturity of land collateral rights title certificate (sertifikat hak atas tanah agunan).

  • Maximum 10 years for:

    1. House-Office (rumah kantor)

    2. Shop-house (rumah toko)

    3. Apartment

  • Maximum of 10 years for KPR Serbaguna (KSG).



  • Bank Fees

  1. 1% provision from the credit limit

  2. Minimum administration Fee of Rp. 250,000

  3. Fee for full repayment before maturity minimum 1%

  4. Fee for the reserve of land mortgage rights (pencadangan pemasangan hak tanggungan)

  • Notary Fees

    1. Credit agreement fees (biaya pengikatan kredit)

    2. SKMHT / APHT fees

  • Appraisal Fees

    1. Minimum Rp. 250,000 or

    2. In accordance with the invoice from Appraisal Services (KJPP)

  • Insurance Fee: This fee is paid by the debtor in advance for protection during the credit period

    1. Life Insurance

    2. Loss Insurance​



  • If there is a delay in payment of principal & interest installments, it will affect the customer's credit quality recorded at Bank Indonesia and will be subject to a fine.

  • There is a risk of a possible increase in interest rates following the applicable market mechanism in accordance with Bank regulations.