IBL Bonds

Investment-backed loan for holders of bonds purchased through OCBC

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The solution to your investing and consumption needs

Holding Adds value in building your wealth

More flexibility to your cashflow

	Selling Bonds	Using Bonds as Collateral through Investment Backed Loan
Bond ownership	❌Bonds are sold	✅Bonds remain yours
Potential bond coupons	❌ Discontinued	✅Continues
Potential investment returns	❌Ends after sale	✅Remains potentially available
Liquidity access	✅ From bond sale proceeds	✅Through the Investment Backed Loan facility
Assets owned at the end of period	Cash only	Bonds remain owned and liquidity needs are fulfilled
Funds obtained	Up to 100% of bond value	Up to 90% of bond value
Impact on portfolio	Portfolio decreases	portfolio remains

Enjoy special rates starting from 5.85% until June 30, 2026.*

*Applies only to Loan Facility in Rupiah and valid for disbursements made by June 30, 2026.

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Related information about IBL Bonds

Individual applicants
Indonesian citizenship
Minimum age 21 years old/ married
Maximum age 75 years old by the end of loan tenure
Receives regular income as an employee, entrepreneur, or professional.
Employee (permanent/contract) with min. 2 years of experience.
Entrepreneur/Professional with min. 2 years of experience within the same industry
A minimum income IDR 15 million/month

No	Document	Form of Document
1	Signed application form	Original
2	Valid National ID of applicant and spouse (for Indonesian citizen)	Copy
3	Family Certificate	Copy
4	Marriage Certificate/ Divorce certificate/ Spousal Death Certificate (if applicable) Prenuptial Agreement (if applicable)	Copy
5	Birth Certificate (only applicable if the applicant's name consists of just 1 word or abbreviations)	Copy
6	Employee: Recent employment letter or other documents such as: SPT pph pasal 21 (prev. year) or Valid employment contract, or Last payslip (max. 3 months) Employer/business entity Deed stating the last share ownership (PT/CV) in the name of the Debtor or Business Existence Document on behalf of the debtor: SIUP / TDP / SK Domicile / Certificate of building manager / rental letter renting a place / SPK (Work Order) / Business Cooperation Contract (example of a Franchise agreement) Profesional Verifiied certification letter of current remuneration Certification letter declaring remuneration raise issued by place of employment Verification letter issued by related organization	Copy
7	Other Documents: Bank statement of the past 3 months	Copy

No	Type	Description
1	Administration Fee	Tenure 1 – 3 years: 0,50% loan plafond Tenure 4 – 5 years: 0,75% loan plafond
2	Bonds Registration Fee	IDR 250.000 per series of Bonds
3	Legal Documents	Facility in Rupiah: IDR 750.0000 Facility in US Dollar : $ 50
4	Late Charges	0.1% per day of delayed payments
5	Penalty	Facility in Rupiah: 1% of the amount paid off Facility in US Dollar : 0,25% of the amount paid off
6	Interest rate	In accordance with the Rate Promo