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Mortgage Application Form

Mortgage Application Form Template for Indonesia

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Key Requirements PROMPT example:

Mortgage Application Form

"I need a Mortgage Application Form in Indonesian and English that complies with OJK regulations, includes digital signature capabilities, and can be submitted online through our bank's portal by March 2025."

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Document background
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.
Suggested Sections

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

Optional Sections

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

Suggested Schedules

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

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant legal definitions
Applicant
Bank
Collateral
Credit Check
Deed of Assignment
Down Payment
Encumbrance
Fixed Interest Rate
Floating Interest Rate
Guarantor
Hak Tanggungan
Insurance Premium
Land Certificate
Loan Agreement
Loan Term
Monthly Installment
Mortgage
NPWP (Tax Identification Number)
Notarial Deed
Outstanding Balance
Principal Amount
Property
Property Insurance
Refinancing
Repayment Schedule
Security Interest
SHM (Sertifikat Hak Milik)
Supporting Documents
Term of Loan
Title Deed
Valuation Report
Clauses
Personal Information Collection
Data Privacy
Consent and Authorization
Information Verification
Credit Check Authorization
Document Requirements
Property Details
Financial Disclosure
Employment Verification
Insurance Requirements
Declaration of Assets
Third Party Authorization
Anti-Money Laundering Compliance
Income Verification
Supporting Documentation
Property Valuation
Default Terms
Interest Rate Terms
Representations and Warranties
Processing Fee
Change of Circumstances
Electronic Communication Consent
Information Update Obligation
Document Retention
Legal Compliance
Relevant Industries

Banking

Real Estate

Financial Services

Insurance

Property Development

Legal Services

Construction

Public Sector

Relevant Teams

Legal

Compliance

Credit Analysis

Risk Management

Customer Service

Mortgage Processing

Operations

Document Control

Underwriting

Property Valuation

Relevant Roles

Mortgage Officer

Credit Analyst

Bank Branch Manager

Loan Officer

Compliance Officer

Risk Assessment Manager

Property Valuer

Legal Officer

Customer Service Representative

Underwriter

Financial Advisor

Document Control Specialist

Property Lawyer

Banking Operations Manager

Credit Risk Officer

Industries
Law No. 4 of 1996 on Mortgages of Land and Land-Related Objects: The primary law governing mortgage rights (Hak Tanggungan) in Indonesia, which regulates the creation, registration, and enforcement of security rights over land and buildings
Law No. 10 of 1998 on Banking: Regulates banking activities in Indonesia, including mortgage lending, and sets requirements for credit assessment and loan documentation
Law No. 8 of 1999 on Consumer Protection: Ensures fair treatment of consumers in financial transactions, including transparency in mortgage terms and conditions
Government Regulation No. 24 of 1997 on Land Registration: Regulates the registration of land rights and their transfer, which is crucial for mortgage documentation
OJK Regulation No. 1/POJK.07/2013: Financial Services Authority regulation on consumer protection in the financial services sector, including requirements for disclosure and fair treatment in mortgage applications
Law No. 5 of 1960 on Basic Agrarian Law: Fundamental law governing land rights in Indonesia, which forms the basis for mortgage rights
OJK Regulation on Property Financing: Specific regulations from the Financial Services Authority regarding property financing, including loan-to-value ratios and other mortgage lending requirements
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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