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29 Aug 2025
The Excellent Performance Bank - in 2024 (KBMI 2)

CCB Indonesia received "The Excellent Performance Bank in 2024" (KBMI 2), from Infobank magazine on 29 August 2025.

25 Jun 2025
Indonesia Best Bank 2025

CCB Indonesia received "Indonesia Best Bank 2025 for Accelerating Sustainable Corporate and Consumer Financial Services, category KBMI 2 Private Foreign from Warta Ekonomi magazine on 25 June 2025.

18 Sep 2024
Best Performance Bank KBMI II Category

CCB Indonesia received "Best Performance Bank KBMI II category" award from Bisnis Indonesia Daily on 18 September 2024

29 Aug 2024
The Excellent Performance Bank in 2023 (KBMI 2)

CCB Indonesia received "The Excellent Performance Bank in 2023 (KBMI 2), from Infobank magazine on 29 August 2024.

31 Jul 2024
Indonesia Best Bank 2024

CCB Indonesia received "Indonesia Best Bank 2024¡± for Strategies Implementation through business development, category KBMI 2 Private Foreign Banks¡¯ from Warta Ekonomi magazine on 31 July 2024.

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Multipurpose Loan Top Up Product and Service Information Summary (Riplay) - General Version

Summary of Multipurpose Loan Top Up Product and Service Information

Publisher Name

:

PT BANK CHINA CONSTRUCTION BANK INDONESIA Tbk.

Product/Service Type

:

Multipurpose

Product Name

:

Multipurpose Loan Top Up

Currency

:

IDR

Description

:

A loan granted to an individual borrower for an increase in credit limit using the same collateral for the Mulitpurpose Loan facility.

 

Multipurpose Loan Top Up Key Features

Credit Purpose

An increase in the credit limit secured by the same collateral for the Multipurpose Loan facility.

Credit Limits

Minimum IDR 100 million and maximum IDR 10 billion.

Rate Method

Fixed, floating, and tiered interest rates, with effective annuity calculation.

Fixed Interest Rate*)

Fixed 1 year 11%

Floating Interest Rate*)

12,5%

Period

Minimum 1 Years and Maximum 10 Years.

Collateral Type

Houses, shop houses, and apartments with individually titled certificates and ready stock condition.

Maximum Financing Value

Maximum 85% is based on the price issued by the developer or in accordance with the down payment rules issued by the developer.

*) In its implementation, it is adjusted to the analysis and risk criteria accepted by the Bank.

 

COSTS

Estimated Credit Application Costs

Provisions

1% of the approved credit limit

Administration

0.1% of the approved credit limit or a minimum of IDR 500,000

Internal Appraisal

IDR 500,000,- / guarantee document.

Estimated Costs That Will Incur

Life insurance

The premium is based on the applicable insurance rates, which vary depending on the Customer’s age, loan tenure, and credit limit.

Notary Costs

In accordance with the notary's applicable fees and regulations.

Late Installment Penalty

0.2% per day of the installment amount to be paid.

Accelerated Repayment

Repayment of part or all of the credit made during the fixed interest period + 2 years will be subject to a fine of 4% of the amount to be repaid.

 

BENEFIT

Multipurpose Loan Top Up

  1. The customer may receive new funds that can be used for various personal consumption purposes.
  2. Customers may enjoy a loan tenor of up to 10 years.
  3. No prepayment penalty applies.

 

RISIK

Multipurpose Loan Top Up

  1. An increase in interest rates during the floating interest rate period may result in higher installment payments.
  2. Late installment payments will be subject to penalties and may negatively affect the loan collectibility status of the Customer as reported to the Financial Services Authority (OJK), thereby impacting the Customer’s credit reputation.
  3. Customers will be charged an early repayment penalty in the event of partial or full prepayment, with the applicable fee and period stipulated in the Credit Agreement signed by the Customer.
  4. The asset or property pledged as collateral may be repossessed by the Bank if the Customer fails to fulfill their obligations as stated in the Credit Agreement.

 

REQUIREMENTS AND PROCEDURES

Criteria that must be met

  1. Indonesian citizens who are legally competent.
  2. Minimum age of 21 years at the time of credit application and a maximum age of 55 years at maturity for employees or 65 years for entrepreneurs and professionals.
  3. Minimum work experience of 2 years and permanent status for employees.
  4. Businesses that have been running for at least 2 years for entrepreneurs or professionals.
  5. Complete the required documents, which include:

Document Type

Employee

Enterprenuer

Proffesional

Original Credit Application Form signed by the prospective Debtor

✓

✓

✓

Copy of ID card of prospective debtor & spouse (husband/wife)

✓

✓

✓

Copy of Family Card

✓

✓

✓

Copy of Marriage/Divorce Certificate (for those who are married/divorced)

✓

✓

✓

Copy of Personal Tax Number or Income Tax Return Form 21 (PPh 21)

✓

✓

✓

Original last pay slip/employment and income certificate

✓

Copy of latest financial report/financial information

✓

✓

✓

Copy of the Company's Deed of Establishment, Articles of Association and latest amendments

✓

Copy of latest practice permit

✓

Copy of collateral documents: Land Certificate, Building Permit, and the latest Land and Building Tax receipt.

✓

✓

✓

For more detailed information regarding products, please contact the nearest branch office using the telephone number found on the PT. Bank China Construction Bank Indonesia Tbk website (bankccbi.co.id) in the "Office Network" section.

 

SIMULATION

Example of Multipurpose Loan Top Up Simulation

Internal Bank Appraisal of the Property

:

IDR 750.000.000,-

Loan Principal / Credit Ceiling

:

IDR 500.000.000,-

Interest Rate

:

Fixed 1 year 11%

Fixed Installment Period

:

IDR 6.887.501,-

Floating Installment Period

:

IDR 7.283.863,-

Total Interest

:

IDR 369.307.199,-

Term

:

120 month [ 10 Years ]

Provision

:

IDR 5,000,000, equivalent to 1% of the loan amount.

Administration Fee

:

IDR 500,000, equivalent to 0.1% of the loan amount.

Installment List

No

Total Installments

Principal Installment

Interest Installments

Outstanding

-

-

-

500,000,000

1

6,887,501

2,304,167

4,583,333

497,695,833

2

6,887,501

2,325,289

4,562,212

495,370,544

3

6,887,501

2,346,604

4,540,897

493,023,940

4

6,887,501

2,368,114

4,519,386

490,655,826

5

6,887,501

2,389,822

4,497,678

488,266,003

6

6,887,501

2,411,729

4,475,772

485,854,275

7

6,887,501

2,433,836

4,453,664

483,420,438

8

6,887,501

2,456,147

4,431,354

480,964,292

9

6,887,501

2,478,661

4,408,839

478,485,630

10

6,887,501

2,501,382

4,386,118

475,984,248

11

6,887,501

2,524,312

4,363,189

473,459,937

12

6,887,501

2,547,451

4,340,049

470,912,485

13

7,283,863

2,378,525

4,905,338

468,533,961

14

7,283,863

2,403,301

4,880,562

466,130,660

15

7,283,863

2,428,335

4,855,528

463,702,325

16

7,283,863

2,453,630

4,830,233

461,248,695

17

7,283,863

2,479,189

4,804,674

458,769,506

18

7,283,863

2,505,014

4,778,849

456,264,492

19

7,283,863

2,531,108

4,752,755

453,733,384

20

7,283,863

2,557,473

4,726,389

451,175,910

21

7,283,863

2,584,114

4,699,749

448,591,797

22

7,283,863

2,611,032

4,672,831

445,980,765

23

7,283,863

2,638,230

4,645,633

443,342,535

24

7,283,863

2,665,711

4,618,151

440,676,824

25

7,283,863

2,693,479

4,590,384

437,983,344

26

7,283,863

2,721,536

4,562,327

435,261,808

27

7,283,863

2,749,886

4,533,977

432,511,922

28

7,283,863

2,778,530

4,505,333

429,733,392

29

7,283,863

2,807,473

4,476,389

426,925,918

30

7,283,863

2,836,718

4,447,145

424,089,200

31

7,283,863

2,866,267

4,417,596

421,222,933

32

7,283,863

2,896,124

4,387,739

418,326,809

33

7,283,863

2,926,292

4,357,571

415,400,517

34

7,283,863

2,956,774

4,327,089

412,443,743

35

7,283,863

2,987,574

4,296,289

409,456,169

36

7,283,863

3,018,694

4,265,168

406,437,475

37

7,283,863

3,050,139

4,233,724

403,387,336

38

7,283,863

3,081,911

4,201,951

400,305,424

39

7,283,863

3,114,015

4,169,848

397,191,409

40

7,283,863

3,146,452

4,137,411

394,044,957

41

7,283,863

3,179,228

4,104,635

390,865,729

42

7,283,863

3,212,345

4,071,518

387,653,384

43

7,283,863

3,245,807

4,038,056

384,407,578

44

7,283,863

3,279,617

4,004,246

381,127,960

45

7,283,863

3,313,780

3,970,083

377,814,180

46

7,283,863

3,348,299

3,935,564

374,465,882

47

7,283,863

3,383,177

3,900,686

371,082,705

48

7,283,863

3,418,418

3,865,445

367,664,287

49

7,283,863

3,454,027

3,829,836

364,210,260

50

7,283,863

3,490,006

3,793,857

360,720,254

51

7,283,863

3,526,360

3,757,503

357,193,894

52

7,283,863

3,563,093

3,720,770

353,630,801

53

7,283,863

3,600,209

3,683,654

350,030,592

54

7,283,863

3,637,711

3,646,152

346,392,881

55

7,283,863

3,675,604

3,608,259

342,717,278

56

7,283,863

3,713,891

3,569,972

339,003,386

57

7,283,863

3,752,578

3,531,285

335,250,809

58

7,283,863

3,791,667

3,492,196

331,459,142

59

7,283,863

3,831,163

3,452,699

327,627,978

60

7,283,863

3,871,071

3,412,791

323,756,907

61

7,283,863

3,911,395

3,372,468

319,845,512

62

7,283,863

3,952,139

3,331,724

315,893,373

63

7,283,863

3,993,307

3,290,556

311,900,066

64

7,283,863

4,034,904

3,248,959

307,865,162

65

7,283,863

4,076,934

3,206,929

303,788,228

66

7,283,863

4,119,402

3,164,461

299,668,826

67

7,283,863

4,162,313

3,121,550

295,506,513

68

7,283,863

4,205,670

3,078,193

291,300,843

69

7,283,863

4,249,479

3,034,384

287,051,364

70

7,283,863

4,293,745

2,990,118

282,757,620

71

7,283,863

4,338,471

2,945,392

278,419,149

72

7,283,863

4,383,663

2,900,199

274,035,485

73

7,283,863

4,429,327

2,854,536

269,606,159

74

7,283,863

4,475,465

2,808,397

265,130,693

75

7,283,863

4,522,085

2,761,778

260,608,608

76

7,283,863

4,569,190

2,714,673

256,039,418

77

7,283,863

4,616,786

2,667,077

251,422,633

78

7,283,863

4,664,877

2,618,986

246,757,756

79

7,283,863

4,713,470

2,570,393

242,044,286

80

7,283,863

4,762,568

2,521,295

237,281,718

81

7,283,863

4,812,178

2,471,685

232,469,540

82

7,283,863

4,862,305

2,421,558

227,607,234

83

7,283,863

4,912,954

2,370,909

222,694,280

84

7,283,863

4,964,131

2,319,732

217,730,149

85

7,283,863

5,015,841

2,268,022

212,714,309

86

7,283,863

5,068,089

2,215,774

207,646,220

87

7,283,863

5,120,881

2,162,981

202,525,339

88

7,283,863

5,174,224

2,109,639

197,351,115

89

7,283,863

5,228,122

2,055,741

192,122,992

90

7,283,863

5,282,582

2,001,281

186,840,411

91

7,283,863

5,337,609

1,946,254

181,502,802

92

7,283,863

5,393,209

1,890,654

176,109,593

93

7,283,863

5,449,388

1,834,475

170,660,205

94

7,283,863

5,506,152

1,777,710

165,154,053

95

7,283,863

5,563,508

1,720,355

159,590,545

96

7,283,863

5,621,461

1,662,402

153,969,084

97

7,283,863

5,680,018

1,603,845

148,289,065

98

7,283,863

5,739,185

1,544,678

142,549,880

99

7,283,863

5,798,968

1,484,895

136,750,912

100

7,283,863

5,859,374

1,424,489

130,891,538

101

7,283,863

5,920,409

1,363,454

124,971,128

102

7,283,863

5,982,080

1,301,783

118,989,048

103

7,283,863

6,044,394

1,239,469

112,944,654

104

7,283,863

6,107,356

1,176,507

106,837,298

105

7,283,863

6,170,974

1,112,889

100,666,324

106

7,283,863

6,235,255

1,048,608

94,431,068

107

7,283,863

6,300,206

983,657

88,130,863

108

7,283,863

6,365,833

918,030

81,765,029

109

7,283,863

6,432,144

851,719

75,332,886

110

7,283,863

6,499,145

784,718

68,833,740

111

7,283,863

6,566,845

717,018

62,266,896

112

7,283,863

6,635,249

648,613

55,631,646

113

7,283,863

6,704,367

579,496

48,927,280

114

7,283,863

6,774,204

509,659

42,153,076

115

7,283,863

6,844,768

439,095

35,308,307

116

7,283,863

6,916,068

367,795

28,392,239

117

7,283,863

6,988,110

295,752

21,404,129

118

7,283,863

7,060,903

222,960

14,343,226

119

7,283,863

7,134,454

149,409

7,208,772

120

7,283,863

7,208,772

75,091

0

The calculation above is only a simulation/estimate, not an actual estimate.

 

Loan Principal Amount

Total Interest According to Tenor

Total Paid by Customer *)

IDR 500.000.000,-

IDR 369.307.199,-

IDR 869.307.199,-

*) Does not include fees

 

ADDITIONAL INFORMATION

Insurance Protection Terms and Conditions:

  1. For the multipurpose loan top up facility, the customer / prospective borrower is required to be covered by Credit Life Insurance.
  2. PT Bank China Construction Bank Indonesia Tbk cooperates with multiple partner insurance companies that can be selected by the customer / prospective borrower.
  3. The insurance enrollment procedure shall follow the provisions set by the respective insurance company.

 

Submission of Questions and Complaints:

  1. Questions and complaints regarding products and/or services can be submitted by contacting the telephone number provided at each branch office. The telephone number for each branch office can be found on the Bank's website: link
  2. Complaints can also be submitted in writing through all Bank Branch offices and/or by sending a completed, signed, and accompanied complaint form via email to: pengaduan.konsumen@idn.ccb.com. The Complaint Form can be downloaded from the Bank's website: link
  3. Further information regarding the terms and conditions regarding Complaint service procedures can be accessed through the Bank's website: link

Others :

In order to implement Good Corporate Governance, Customers are requested not to provide any gifts or rewards in any form to Officers and/or employees of PT. Bank CCBI Tbk in connection with the process of submitting, approving and granting credit.

 

 

Disclaimer (important to read) :

1. CCB Indonesia may reject a customer's product application if it does not meet the applicable terms and conditions.

2. Customers are required to carefully read the information on CCB Indonesia Products and Services before deciding to select a product. Customers also have the right to ask CCB Indonesia employees about all matters related to CCB Indonesia's products and/or services.

3. The information contained in this Summary is valid from the date of printing until further amendment.

4. This Summary of Product and/or Service Information ("Summary") is for informational purposes only and is not intended as an official offer for any product and/or service, and is not part of an agreement. If there is any discrepancy between this Summary and the agreement and/or terms and conditions related to the product and/or service ("Agreement"), the Agreement shall prevail.

5. This Summary has been adjusted to comply with applicable laws and regulations, including the regulations of the Financial Services Authority..