Home Credit Contract Template for Indonesia

1. Insurance Requirements: Used when mandatory insurance coverage is required for the credit facility

2. Co-borrower Provisions: Include when there is a co-borrower or guarantor for the credit

3. Property Maintenance Requirements: Include when the credit is secured against a specific property

4. Electronic Communications: Include when parties agree to use electronic means for notices and communications

5. Refinancing Provisions: Include when refinancing options are offered as part of the credit agreement

6. Special Payment Arrangements: Include when specific payment arrangements or grace periods are agreed

7. Force Majeure: Include when specific provisions for unforeseen circumstances are required

1. Schedule 1 - Payment Schedule: Detailed amortization schedule showing principal and interest payments

2. Schedule 2 - Fees and Charges: Comprehensive list of all applicable fees and charges

3. Schedule 3 - Property Details: Description and details of the property if credit is secured against property

4. Schedule 4 - Insurance Requirements: Detailed insurance requirements and specifications

5. Schedule 5 - Standard Forms: Forms for drawdown requests, notices, and other standard communications

6. Appendix A - Disclosure Statement: Mandatory disclosure statement as required by OJK regulations

7. Appendix B - Know Your Customer Documentation: List of required KYC documents and compliance requirements