House Loan

  • Overview
  • Requirements
  • Additional Information

Consumer Loan
As time goes by, consumer will increas, which does not cost a little. Bank Mestika’s Consumer Loans help meet your needs.
We have various types of consumer loans for your needs:

  1. Multi Purpose Loan (MPL)
  2. House Loan (HL)
  3. Car Loan (CL)
  4. Kavling Land Loan (KLL)

Home Loan

As a basic need, everyone desires to own their dream house. A Mestika Home Loan helps you materialize your dream to own a house with a credit scheme of up to 15 years for the ownership of a house/ apartment and 10 years for the ownership of a shop house/ office.

Bank Mestika helps make your dream come true through various home loan products.

  1. Primary Home Loan
    For the purchase of a new estate from a developer.
  2. Secondary Home Loan
    For the purchase of a used from a non- developer.
  3. Home Contruction Loans
    For estate contruction on a lot owned by the prospective client or his/ her spouse and that lot is not being used as collateral
  4. Takeover of Home Loans
    For credit takeover from other banks similar to home loans, with a minimum limit of as much as the outstanding amount at the former bank or as much as the limit of the new credit scheme iin accordance with the bank’s calculation (greater than the outstanding amount at the former bank), and thus it can be user for other needs.
  5. Home Loan Top-up
    For topping up the credit limit of any existing home loans for a flexible period of time (up to the typical period for home loans), thus it can be used for other needs.

Debtor Criteria

  • Indonesian citizen
  • Aged 21 or married and up to 55 (employee) or 65 (entrepreneur/ professional) when the credit scheme ends; up to 75 for multi-purpose loans- channeling
  • Permanently employed
  • Minimum 2 years of employment/ business record

Fees for the application for Multi-purpose Loans, Home Loans, Car Loans and Land Loans :

  1. Administration
  2. Provision
  3. Loss Insurance
  4. Life Insurance (not applicable for car loans)
  5. Contract and warranty
  6. Appraisal fee (if necessary)

Documents needed for opening an account for Home Loans

Types of Document




Original Credit Application Form

Copy Applicant's ID and Couple's ID (for those who are married only)

Copy Family Card

Copy Marriage Certificate/ Split Wealth Certificate / Birth Certificate of the oldest child and youngest child/ Rename Certificate (when it is existed )

Photo of Debtor and Debtor’s Couple

Copy Private NPWP

Copy Business License (SIUP) dan Company Registration Certificate (TDP)

- -

Copy Profession License



Checking account/the last 3 months saving

Salary Receipt/Certificate of Employment and salary /SPT PPh 21

- -

Financial Report/Income Proof/SPT PPh Pasal 21


Credit Life Insurance Policy which is accompanied by Bank’s Clause for Bank Mestika

Home Loan Simulator :

  1. Credit Ceiling : Rp 300,000,000,-
  2. Tenor : 5 years
  3. Fixed Period : first 2 years
  4. Fixed Interest Rate : 10,5% Effective
  5. Floatinf Interest Rate : 13% Effective
  6. Therefore, the installment for the first 2 years is Rp. 6,448,170,- per month and for the third to the fifth years, the installment is Rp. 6,841,951,- per month.

Information :

  1. The installment above is an illustration and does not act as a fixed or estimated calculation in the future.
  2. The interest rates and total installments refer to the information covered in the Loan Agreement and Contract.

Additional Information :

  • For the payment services, the debtors shall bear the cost, which have to be provided in the debtor’s account before releasing the loan.
  • The debtor shall fulfill his/ her obligations to the bank on time.
  • If the debtor intends to have an early or partial termination in accordance with the regulations of the product, the debtor shall confirm with the bank and shall charged a penalty fee.
  • Complaints about the bank’s products can be made face-to-face, via email, letter and call centre.
  • If the debtor fails to make payment on time, thhe debtor shall be imposed to late charge.
  • Any payment overdue, inclucing interest, may affect the debtor’s collectibility.
  • Any costs charged to the client refer to the information covered in the Loan Offer and Loan Agreement.

For more information call us MestikaCall 14083 or visit our nearest branch.