Special KPR Top-Up Program for Selected Customers

The Program will be held until 26 February 2027 (“Program Period”).

1. The loan has been running for at least 36 (thirty-six) months at BDI.
2. Payment history is up to date with a maximum DPD of 7 (seven) days over the last 12 (twelve) months and must be up to date with a DPD of 0 (zero) days over the last 1 (one) month.
3. Collateral conditions: ready stock and ready for handover.
4. Collateral documents (certificates and IMB) have been received by BDI.

1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to refuse or cancel the participation of Program Participants in this Program if they do not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for all risks, losses, demands, lawsuits, and/or claims related to the participation and/or cancellation of Program Participants in this Program.
4. Program Participants will be contacted further by BDI officers by telephone for offers and further processes.
5. Program Participants are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the participation and/or cancellation of participation of Program Participants in this Program.
6. If the Program Participant's Top Up facility application is approved, the Program Participant agrees to pay the costs incurred in connection with the Top Up facility. These fees will be stated in the credit agreement.
7. This program can be used for ready stock collateral and is registered with a Certificate of Ownership (SHM) or Certificate of Building Use Rights (SHGB) and/or Certificate of Apartment Ownership (SHMSRS) in accordance with applicable regulations.
8. The SHM, SHGB and/or SHMSRS must be in the name of the Program Participant/Spouse of the Program Participant/Child of the Program Participant.
9. The minimum application limit for this Program is IDR 100,000,000.00 (one hundred million Rupiah).
10. Collateral that can be processed further includes houses, shop houses, office houses and apartments.

1. Program participants may submit complaints regarding banking products/services either verbally or in writing through the nearest BDI branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
   
2. The complaint handling procedure can be accessed via the website https://www.danamon.co.id/en/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
   

1. General These Program Terms and Conditions form an integral part of the "General Terms and Conditions of Banking Accounts and Services of PT Bank Danamon Indonesia Tbk" and the "General Terms and Conditions of Credit Facilities." In case of inconsistency, these Program Terms and Conditions shall prevail.
   
2. Program Participants acknowledge and agree that BDI reserves the right to modify, update, or supplement the Program Terms and Conditions at any time. Changes will be communicated through BDI's available communication channels. If such changes involve benefits, risks, fees, or terms and conditions, participants have 30 (thirty) working days to submit written objections. Failure to object within this period will be deemed as acceptance. If a participant disagrees, they may cancel their participation after settling any outstanding obligations with BDI.
   
3. Program Participants confirm that there are no transactions, nor will there be any, that indicate money laundering or other prohibited activities under Indonesian law.
   
4. If fraud, misuse, or any irregular transactions are suspected, BDI reserves the right to cancel the transaction, suspend services, revoke Program participation, or withdraw any granted benefits. Participants remain liable for any outstanding obligations to BDI.
   
5. If participants suspect fraud or irregularities, they are advised to immediately contact Hello Danamon.
   
6. Should any provision of these Terms become unenforceable due to government or court decree, the remaining provisions shall remain valid and enforceable.
   
7. These Program Terms and Conditions have been prepared in accordance with applicable regulations, including those issued by the Financial Services Authority.
   
8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a participant in the Deposit Insurance Corporation program.