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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.

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Shop House Mortgage Loan Primary Product and Service Information Summary (Riplay) - General Version

Summary of Shop House Mortgage Loan Primary Product and Service Information

Publisher Name

:

PT BANK CHINA CONSTRUCTION BANK INDONESIA Tbk.

Product/Service Type

:

Mortgage Loan

Product Name

:

Shop House Mortgage Loan Primary

Currency

:

IDR

Description

:

A loan extended to individual borrowers for the purchase of new commercial property (shophouses) located on land developed by a property developer in partnership with PT. Bank China Construction Bank Indonesia, Tbk.

 

Shop House Mortgage Loan Primary KEY FEATURES

Credit Purpose

Purchase of new property in the form of an Shop House on land developed by a developer in collaboration with PT. BANK CHINA CONSTRUCTION BANK INDONESIA, Tbk.

Credit Limits

Minimum 100 Million Rupiah Maximum 20 Billion Rupiah.

Rate Method

Fixed, floating & tiered, effective annuity.

Fixed Interest Rate*)

Fixed 1 Year 3.00%

Fixed 2 Years 5.00%

                       4.00%

Fixed 3 Years 4.50%

Fixed 5 Years 5.00%

Tiered Fixed Interest Rate*)

Fixed Year 1: 3.49%

Fixed Years 2-3: 6.99%

Fixed Years 4-6: 8.99%

Fixed Years 7-10: 9.99%

Floating Interest Rate*)

12,5%

Installment Payment Method

The first installment is paid one month after the credit agreement (in-arrear).

Period

Minimum 4 Years and Maximum 20 Years.

Jenis Agunan

Shop House developed by partner developer PT. BANK CHINA CONSTRUCTION BANK INDONESIA, Tbk

Maximum Financing Value

Maximum 95% 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

Estimated Costs That Will Incur

Life Insurance

The premium is based on the applicable insurance rate, which varies depending on the Customer's age, loan tenure, and financing amount (plafond).

Fire Insurance

The premium is based on the applicable insurance rate, which varies depending on the loan tenure, type of building financed, and the building’s value.

Notary Cost

For credit plafonds of up to IDR 2 billion, no notary fee is charged. For credit plafonds above IDR 2 billion, notary fees apply in accordance with the notary’s prevailing rates and regulations.

Late Installment Payment Penalty

0.2% per day of the installment amount due.

Early Repayment

Partial or full early repayment made during the fixed interest period plus 2 years will be subject to a penalty of 4% of the amount to be repaid.

 

BENEFIT

Shop House Mortgage Loan Primary

  1. Customers can own new shop house from developers who are partners of PT. BANK CHINA CONSTRUCTION BANK INDONESIA, Tbk.
  2. Customers are free to choose a variety of interest rates according to their repayment capacity.
  3. Customers can choose a fixed interest rate for up to 10 years for more certain installments.
  4. Customers can enjoy a loan term of up to 20 years.
  5. No fines/penalties for early repayment after the fixed period + 2 years.

 

RISK

Shop House Mortgage Loan Primary

  1. An increase in interest rates during the floating interest rate period can result in higher installments.
  2. Late installment payments will incur a fine and affect the customer's loan collectibility status registered with the Financial Services Authority (OJK), resulting in a lower credit rating. This applies to penalties for early repayment.
  3. Customers will be subject to a prepayment penalty fee if they make partial or full prepayments. The amount and period of the prepayment fee are stated in the credit agreement signed by the customer. Interest rate increases will affect the installment amount.
  4. Assets or property pledged as collateral can be repossessed by the bank if the customer fails or is unable to fulfill their obligations as agreed in the credit agreement.
  5. The developer is experiencing difficulties in constructing the project or unit, resulting in the customer being unable to obtain their unit on time.

 

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

✓

Guarantee Document (Developer's Purchase Order)

✓

✓

✓

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 Shop House Mortgage Loan Primary Simulation

 

Shop House Price

:

IDR 750.000.000,-

Down Payment

:

IDR 250.000.000,-

Loan Principal / Credit Ceiling

:

IDR 500.000.000,-

Interest Rate

:

Fixed 2 years 4,75%

Fixed Installment Period

:

IDR 5.242.387,-

Floating Installment Period

:

IDR 6.909.240,-

Total Interest

:

IDR 289.104.317,-

Term

:

120 month [ 10 Years ]

Provisions

:

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

Administration Fees

:

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

Installment List

 

Total Installments

Principal Installment

Interest Installment

Outstanding

0

-

-

-

500,000,000

1

5,242,387

3,263,221

1,979,167

496,736,779

2

5,242,387

3,276,137

1,966,250

493,460,642

3

5,242,387

3,289,105

1,953,282

490,171,537

4

5,242,387

3,302,125

1,940,262

486,869,412

5

5,242,387

3,315,196

1,927,191

483,554,216

6

5,242,387

3,328,318

1,914,069

480,225,898

7

5,242,387

3,341,493

1,900,894

476,884,405

8

5,242,387

3,354,720

1,887,667

473,529,685

9

5,242,387

3,367,999

1,874,388

470,161,686

10

5,242,387

3,381,330

1,861,057

466,780,356

11

5,242,387

3,394,715

1,847,672

463,385,641

12

5,242,387

3,408,152

1,834,235

459,977,488

13

5,242,387

3,421,643

1,820,744

456,555,845

14

5,242,387

3,435,187

1,807,200

453,120,658

15

5,242,387

3,448,785

1,793,603

449,671,874

16

5,242,387

3,462,436

1,779,951

446,209,438

17

5,242,387

3,476,141

1,766,246

442,733,296

18

5,242,387

3,489,901

1,752,486

439,243,395

19

5,242,387

3,503,715

1,738,672

435,739,680

20

5,242,387

3,517,584

1,724,803

432,222,096

21

5,242,387

3,531,508

1,710,879

428,690,587

22

5,242,387

3,545,487

1,696,900

425,145,101

23

5,242,387

3,559,521

1,682,866

421,585,579

24

5,242,387

3,573,611

1,668,776

418,011,968

25

6,909,240

2,554,949

4,354,291

415,457,020

26

6,909,240

2,581,563

4,327,677

412,875,457

27

6,909,240

2,608,454

4,300,786

410,267,004

28

6,909,240

2,635,625

4,273,615

407,631,378

29

6,909,240

2,663,080

4,246,160

404,968,299

30

6,909,240

2,690,820

4,218,420

402,277,479

31

6,909,240

2,718,849

4,190,390

399,558,629

32

6,909,240

2,747,171

4,162,069

396,811,458

33

6,909,240

2,775,787

4,133,453

394,035,671

34

6,909,240

2,804,702

4,104,538

391,230,970

35

6,909,240

2,833,917

4,075,323

388,397,052

36

6,909,240

2,863,437

4,045,803

385,533,615

37

6,909,240

2,893,265

4,015,975

382,640,351

38

6,909,240

2,923,403

3,985,837

379,716,948

39

6,909,240

2,953,855

3,955,385

376,763,093

40

6,909,240

2,984,624

3,924,616

373,778,468

41

6,909,240

3,015,714

3,893,526

370,762,754

42

6,909,240

3,047,128

3,862,112

367,715,627

43

6,909,240

3,078,869

3,830,371

364,636,758

44

6,909,240

3,110,940

3,798,300

361,525,818

45

6,909,240

3,143,346

3,765,894

358,382,472

46

6,909,240

3,176,089

3,733,151

355,206,383

47

6,909,240

3,209,173

3,700,066

351,997,209

48

6,909,240

3,242,602

3,666,638

348,754,607

49

6,909,240

3,276,379

3,632,860

345,478,228

50

6,909,240

3,310,508

3,598,732

342,167,719

51

6,909,240

3,344,993

3,564,247

338,822,726

52

6,909,240

3,379,836

3,529,403

335,442,890

53

6,909,240

3,415,043

3,494,197

332,027,847

54

6,909,240

3,450,616

3,458,623

328,577,231

55

6,909,240

3,486,560

3,422,679

325,090,670

56

6,909,240

3,522,879

3,386,361

321,567,791

57

6,909,240

3,559,575

3,349,664

318,008,216

58

6,909,240

3,596,654

3,312,586

314,411,562

59

6,909,240

3,634,119

3,275,120

310,777,442

60

6,909,240

3,671,975

3,237,265

307,105,468

61

6,909,240

3,710,225

3,199,015

303,395,243

62

6,909,240

3,748,873

3,160,367

299,646,370

63

6,909,240

3,787,923

3,121,316

295,858,447

64

6,909,240

3,827,381

3,081,859

292,031,066

65

6,909,240

3,867,250

3,041,990

288,163,816

66

6,909,240

3,907,533

3,001,706

284,256,283

67

6,909,240

3,948,237

2,961,003

280,308,046

68

6,909,240

3,989,364

2,919,875

276,318,682

69

6,909,240

4,030,920

2,878,320

272,287,761

70

6,909,240

4,072,909

2,836,331

268,214,852

71

6,909,240

4,115,335

2,793,905

264,099,517

72

6,909,240

4,158,203

2,751,037

259,941,314

73

6,909,240

4,201,518

2,707,722

255,739,796

74

6,909,240

4,245,284

2,663,956

251,494,513

75

6,909,240

4,289,505

2,619,735

247,205,007

76

6,909,240

4,334,188

2,575,052

242,870,820

77

6,909,240

4,379,335

2,529,904

238,491,484

78

6,909,240

4,424,954

2,484,286

234,066,531

79

6,909,240

4,471,047

2,438,193

229,595,484

80

6,909,240

4,517,620

2,391,620

225,077,864

81

6,909,240

4,564,679

2,344,561

220,513,185

82

6,909,240

4,612,227

2,297,012

215,900,957

83

6,909,240

4,660,272

2,248,968

211,240,686

84

6,909,240

4,708,816

2,200,424

206,531,870

85

6,909,240

4,757,866

2,151,374

201,774,004

86

6,909,240

4,807,427

2,101,813

196,966,576

87

6,909,240

4,857,505

2,051,735

192,109,072

88

6,909,240

4,908,104

2,001,136

187,200,968

89

6,909,240

4,959,230

1,950,010

182,241,738

90

6,909,240

5,010,888

1,898,351

177,230,850

91

6,909,240

5,063,085

1,846,155

172,167,765

92

6,909,240

5,115,826

1,793,414

167,051,939

93

6,909,240

5,169,115

1,740,124

161,882,823

94

6,909,240

5,222,960

1,686,279

156,659,863

95

6,909,240

5,277,366

1,631,874

151,382,497

96

6,909,240

5,332,339

1,576,901

146,050,158

97

6,909,240

5,387,884

1,521,356

140,662,274

98

6,909,240

5,444,008

1,465,232

135,218,266

99

6,909,240

5,500,716

1,408,524

129,717,550

100

6,909,240

5,558,015

1,351,224

124,159,535

101

6,909,240

5,615,911

1,293,328

118,543,623

102

6,909,240

5,674,410

1,234,829

112,869,213

103

6,909,240

5,733,519

1,175,721

107,135,694

104

6,909,240

5,793,243

1,115,997

101,342,451

105

6,909,240

5,853,589

1,055,651

95,488,862

106

6,909,240

5,914,564

994,676

89,574,297

107

6,909,240

5,976,174

933,066

83,598,123

108

6,909,240

6,038,426

870,814

77,559,697

109

6,909,240

6,101,326

807,914

71,458,371

110

6,909,240

6,164,882

744,358

65,293,489

111

6,909,240

6,229,099

680,141

59,064,390

112

6,909,240

6,293,986

615,254

52,770,404

113

6,909,240

6,359,548

549,692

46,410,856

114

6,909,240

6,425,793

483,446

39,985,062

115

6,909,240

6,492,729

416,511

33,492,333

116

6,909,240

6,560,361

348,878

26,931,972

117

6,909,240

6,628,698

280,541

20,303,274

118

6,909,240

6,697,747

211,492

13,605,526

119

6,909,240

6,767,516

141,724

6,838,011

120

6,909,240

6,838,011

71,229

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 289.104.317,-

IDR 789.104.317,-

*) Does not include fees

 

ADDITIONAL INFORMATION

Insurance Protection Terms :

  1. For Shop House Mortgage Loan Primary facilities, customers/prospective customers must be covered by Credit Life Insurance and Fire Insurance.
  2. PT. Bank China Construction Bank Indonesia Tbk has more than one insurance partner that customers/prospective customers can choose from.
  1. Insurance coverage procedures follow the insurance company's regulations.

 

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.