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IBL Insurance

Life insurance-backed loan for Max Prestige Heritage & Max Prestige Heritage Protector policy holders via OCBC

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Loan from Your Insurance

The solution to your investing or consumption needs

Stay Protected

Life insurance protected by MPH/MPHP

Repay in up to 10 Years

Long-run flexibility to your cashflow

Further Information

Related information about IBL Insurance

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

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	Original/copy
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) Professional Verified 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 Life Insurance Request Letter (SPAJ) – For Life Insurance purchase or Insurance Policy – For refinancing (Policy already issued)	Copy

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