The Mortgage Application Form is a crucial document used in Indonesian banking operations for initiating the mortgage lending process. It serves as the primary tool for collecting and documenting essential information required under Indonesian banking regulations, particularly Law No. 10 of 1998 on Banking and OJK regulations. The form is designed to gather comprehensive information about the loan applicant, including personal details, financial status, employment information, and property specifications. It facilitates the bank's assessment of the applicant's creditworthiness while ensuring compliance with Indonesian consumer protection laws and anti-money laundering regulations. This document is fundamental to the mortgage approval process and forms the basis for subsequent mortgage documentation.
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1. Personal Information: Basic details of applicant(s) including full legal name, ID number (KTP), tax number (NPWP), date of birth, marital status, and contact information
2. Employment Details: Current employment status, employer information, length of employment, position, and monthly income details
3. Financial Information: Monthly income, existing financial obligations, other loans, and regular expenses
4. Property Details: Information about the property to be mortgaged, including address, certificate number, and property type
5. Loan Request Details: Desired loan amount, term, purpose of loan (purchase/refinance), and preferred payment method
6. Asset Declaration: List of major assets owned by the applicant including properties, vehicles, and investments
7. Bank Account Information: Applicant's current banking relationships and account details for loan disbursement and repayment
8. Declaration and Authorization: Applicant's confirmation of information accuracy and authorization for credit checks
1. Co-Applicant Information: Required when there is a joint applicant or guarantor for the mortgage
2. Business Income Details: Required for self-employed applicants or those with business income
3. Rental Income Declaration: Required for applicants with rental property income
4. Foreign Income Declaration: Required for applicants with overseas income sources
5. Previous Property Ownership: Required for applicants who have owned property before
6. Construction Details: Required when the mortgage is for property under construction
7. Refinancing Details: Required when the application is for refinancing an existing mortgage
1. Required Document Checklist: List of all required supporting documents including ID, income proof, property documents
2. Fee Schedule: Detailed breakdown of all applicable fees, charges, and insurance requirements
3. Terms and Conditions: Complete terms and conditions of the mortgage agreement
4. Property Valuation Form: Template for property valuation report to be completed by approved valuers
5. Income Verification Forms: Templates for employer verification and business income verification
6. Insurance Requirements: Details of required insurance coverage including property insurance and life insurance
7. Direct Debit Authorization Form: Form for setting up automatic payment arrangements
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