The Offer Letter Mortgage is a crucial document in the Indonesian property financing process, serving as the formal presentation of mortgage terms from a financial institution to a potential borrower. It is typically issued after the initial assessment of the borrower's creditworthiness and property evaluation, but before the final mortgage agreement. The document must comply with Indonesian banking regulations, including Bank Indonesia directives and OJK requirements, particularly regarding disclosure of terms, interest rates, and fees. This document is used when a prospective borrower has met the basic eligibility criteria for a mortgage loan, and the bank is ready to make a formal offer. It contains essential information about the proposed mortgage, including loan amount, interest rates, repayment terms, conditions precedent, and security requirements. The Offer Letter Mortgage forms the basis for the subsequent formal mortgage agreement if the borrower accepts the terms.
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1. Bank Details and Reference: Full name and address of the lending institution, letter reference number, and date
2. Borrower Information: Complete details of the borrower(s) including full name, ID number, and address
3. Property Details: Specific information about the mortgaged property including address, land certificate details, and property type
4. Loan Terms: Essential loan details including principal amount, interest rate, loan term, and monthly payment amount
5. Interest Rate Structure: Detailed explanation of the interest rate, whether fixed or floating, and any adjustment periods
6. Payment Terms: Payment schedule, payment methods, and due dates
7. Security Requirements: Details of the mortgage security and any additional collateral requirements
8. Fees and Charges: Comprehensive list of all applicable fees, charges, and costs
9. Insurance Requirements: Mandatory insurance requirements including property insurance and life insurance
10. Offer Validity: Period for which the offer remains valid and conditions for acceptance
1. Joint Borrower Details: Additional section when there are multiple borrowers
2. Government Subsidy Information: Details of any applicable government housing subsidies or programs
3. Special Rate Conditions: Any special interest rate offers or conditions that may apply
4. Construction Stage Financing: Specific terms for properties under construction
5. Refinancing Terms: Special conditions for mortgage refinancing cases
6. Foreign Currency Provisions: Special provisions for mortgages denominated in foreign currency
1. Payment Schedule: Detailed amortization table showing payment breakdown
2. Fee Schedule: Comprehensive breakdown of all fees and charges
3. Required Documents Checklist: List of documents required for mortgage processing
4. Property Valuation Report Summary: Summary of the official property valuation
5. Insurance Requirements Detail: Detailed specifications for required insurance coverage
6. Terms and Conditions: Complete standard terms and conditions of the mortgage
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