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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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Land Mortgage Secondary Product and Service Information Summary (Riplay) - General Version

Summary of Land Mortgage Secondary Product and Service Information

Publisher Name

:

PT BANK CHINA CONSTRUCTION BANK INDONESIA Tbk.

Product Type

:

Mortgage Loan 

Product Name

:

Land Mortgage Secondary

Currency

:

IDR

Product Description

:

A loan facility granted to individual borrowers for the purchase of secondary plots within residential complexes that have established cooperation with PT Bank China Construction Bank Indonesia Tbk., with conditions ready for the Sale and Purchase Deed execution.

 

Land Mortgage Secondary Key Features 

Credit Purpose

Financing for the purchase of a new property in the form of secondary plots that are ready for sale and purchase agreements, developed by developers partnered with PT Bank China Construction Bank Indonesia Tbk.

Credit Limit

Minimum IDR 100 million – Maximum IDR 20 billion..

Interest Rate Method

Fixed, floating, tiered, effective annuity.

Fixed Interest Rates

Fixed 1 Year 4.00%

Fixed 2 Years 5.50%

                       .4.75%

Fixed 3 Years 5.25%

Fixed 5 Years 6.00%

Tiered Interest Rates

Fixed Year 1: 3.99%

Fixed Years 2-3: 7.49%

Fixed Years 4-6: 9.49%

Fixed Years 7-10: 10.49%

Floating Interest Rate*)

12,5%

Repayment Method

The first installment is payable one month after the loan agreement (in arrears).

Tenor

Minimum 4 years – Maximum 20 years.

Collateral Type

Secondary plots located within residential complexes developed by developers partnered with PT Bank China Construction Bank Indonesia Tbk.

Maximum Financing Value

Up to 70% of the price issued by the developer or in accordance with the down payment policy set by the developer.

Special Requirements

Borrowers are required to submit a statement letter declaring that within two years from the loan agreement date, construction must commence on the purchased land.

(*) The applicable terms are subject to the Bank’s credit risk assessment and criteria.

 

Fees and Charges

Estimated Loan Application Fees

Provision Fee

1% of the approved loan ceiling

Administration Fee

0.1% of the approved loan ceiling or a minimum of IDR 500,000

Internal Appraisal Fee

IDR 500,000 per collateral document

Other Estimated Charges

Life Insurance

Premium based on insurance tariff, depending on borrower’s age, tenor, and loan ceiling

Fire Insurance

Premium based on insurance tariff, depending on building type, value, and tenor

Notary Fees

In accordance with notary rates and provisions.

Late Payment Penalty

0.2% per day of the installment due

Early Repayment Fee

Partial or full repayment during the fixed interest period + 2 years is subject to a penalty of 4% of the prepaid amount

 

Benefits

Land Mortgage Secondary

  1. Enables customers to acquire secondary plots from developers partnered with PT Bank China Construction Bank Indonesia Tbk..
  2. Customers may select from various interest rate schemes according to their repayment capacity..
  3. Option to lock fixed interest rates for up to 10 years for more predictable installments..
  4. Loan tenure of up to 20 years.
  5. No early repayment penalty after the fixed interest period + 2 years.

 

Risk

Land Mortgage Secondary

  1. Potential increase in installments when entering the floating interest rate period..
  2. Late payments will incur penalties and negatively affect the borrower’s credit rating as recorded with the Financial Services Authority.
  3. Early repayment penalties apply as stipulated in the Credit Agreement.
  4. Collateral property may be repossessed by the Bank in case of borrower default or failure to fulfill obligations under the Credit Agreement

 

Requirements and Procedures

Eligibility Criteria

  1. Indonesian Citizen (WNI) with legal capacity.
  2. Minimum age: 21 years at the time of application; Maximum age: 55 years at maturity for employees, or 65 years for entrepreneurs/professionals.
  3. Minimum of 2 years of continuous employment, with permanent employee status required for salaried applicants.
  1. Entrepreneurs/professionals must have at least 2 years of established business operations.
  2. Complete the document requirements which consist of::

Document Type

Employee

Entrepreneur 

Professional

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

✓

Collateral Documents (Copy of Land Certificate, Building Permit/IMB, Latest Land and Building Tax Receipt/PBB)

✓

✓

✓

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

Simulation Example for Land Mortgage Secondary

Office Prices

:

IDR 850.000.000,-

Internal Bank Assessment

:

IDR 750.000.000,-

Down payment

:

IDR 350.000.000,-

Loan Principal / Credit Ceiling

:

IDR 500.000.000,-

Interest rate

:

Fixed 2 year 5,50%

Fixed Installment Period

:

IDR 5.364.585,-

Floating Period Installment

:

IDR 6.938.590,-

Total Interest

:

IDR 294.854.686,-

Time period

:

120 month [ 10 year ]

Provisions

:

IDR 5,000,000,- equivalent to 1% of the credit loan

Administration Fee

:

IDR 500,000,- equivalent to 0.1% of the credit loan

Installment List

Total Installments

Principal Installment

Interest Installments

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

Principal Loan 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 costs

 

Additional Information

Insurance Protection Requirement ;

  1. For Land Mortgage Primary facilities, the borrower must be covered by Credit Life Insurance and Fire Insurance..
  2. Bank has more than one insurance partner available for borrowers to choose from.
  3. Insurance policies follow the insurer’s terms and conditions.

Inquiries and Complaints :

  1. Questions and complaints regarding the product and/or service can be submitted via the branch office contact numbers listed on the Bank’s official website.: link
  2. Complaints may also be submitted in writing at any Bank branch office and/or via completed and signed complaint forms sent to pengaduan.konsumen@idn.ccb.com
  3. . Forms are available for download on the Bank’s website.: link
  4. Further information regarding the terms and conditions regarding Complaints service procedures can be accessed via the Bank's website: link

Other Provisions:

In line with Good Corporate Governance practices, customers are strictly prohibited from giving gifts or remuneration in any form to Bank officers or employees in relation to loan applications, approvals, or disbursements.

Disclaimer (Important)) :

  1. CCB Indonesia reserves the right to reject product applications if requirements are not met..
  2. Borrowers are advised to carefully review the Product and Service Information before making a decision and are entitled to seek clarification from Bank staff regarding all related matters.
  3. This Product and Service Information Summary is valid from the date of issuance until the next revision..
  4. This document is for informational purposes only and does not constitute a formal product offering nor form part of a contract. In case of discrepancies between this Summary and the Credit Agreement/Terms and Conditions, the Agreement shall prevail.
  5. This Summary has been prepared in accordance with applicable laws and regulations, including those of the Financial Services Authority (OJK)