KPR Danamon Special Offer Exclusively for Zurich Insurance Indonesia Partners

The program is implemented during the period from 10 October 2025 to 31 December 2025 ("Program Period").

This program is only open to Program Participants who meet the following criteria ("Program Participants"):

1. Is the business owner of a company that partners with ZAI based on the company deed.
2. Is the business owner of a company that partners with ZAI based on the Cooperation Agreement between the partner and ZAI.
3. Is a company representative and/or employee as referred to in points II.1 and II.2 of the General Terms and Conditions of the Program.
4. Has a minimum monthly net income of IDR 10,000,000.00 (ten million Rupiah) (for business owners, this is proven by personal savings account statements or company account statements for the last 6 months, while for company representatives and/or employees, this is proven by pay slips for the last 3 months).
5. The maximum age of Program Participants at the end of the credit period is:
   1. 55 (fifty-five) years of age or the retirement age for private sector employees.
   2. 70 (seventy) years of age for professionals and entrepreneurs.
6. The collateral location is within the coverage area of BDI mortgage facilities (Greater Jakarta, West Java, Central Java, East Java, Special Region of Yogyakarta, Batam, Bali, Medan, Makassar, Balikpapan and Pekanbaru).
7. The collectability of program participants is recorded in the Financial Services Authority's Financial Information Service System (SLIK OJK) in accordance with the applicable provisions at BDI.

1. Program participants can apply for mortgage facilities by clicking on the Program banner received via WhatsApp blast, then filling out and submitting the e-form according to the fields provided. Program participants who meet the Program Terms and Conditions will be contacted further by BDI officers via email for further processing of the Program participant's application.
2. BDI reserves the right to reject or cancel a Program Participant's participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are required to read and understand the General Terms and Conditions of the Program.
4. Program Participants are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the participation and/or cancellation of Program Participants in this Program.
5. If the Participant's mortgage facility application is approved, the Participant agrees to pay the costs incurred in connection with the mortgage facility. These costs will be specified in the credit agreement.
6. Program Participants shall have no history of restructuring and late payments for mortgage facilities from their original financial service institution within a period of 6 (six) months prior to applying for a mortgage facility to BDI or for a certain period as may be determined by BDI from time to time.
7. Program Participants may use joint income with their spouse, as evidenced by attaching a marriage certificate.
8. The maximum credit facility that can be granted to Program Participants (loan to value) will be adjusted to the mortgage facility rating, which is calculated based on the total credit facilities already owned by Program Participants at BDI and other financial service institutions, with a maximum credit facility value of 85% (eighty-five percent) of the appraisal value of the collateral.
9. The collateral condition is ready stock for properties such as landed houses, shop houses (ruko), office houses (rukan), or apartments that have been issued with a certificate as proof of ownership, namely a Certificate of Ownership (SHM) or Certificate of Building Use Rights (SHGB) and/or Certificate of Ownership of a Unit in a Multi-Unit Building (SHMSRS) in accordance with applicable regulations.
10. The certificates referred to in point 9 above must be registered in the name of the Program Participant or the Program Participant's spouse or child.
11. The minimum ceiling for applying for Secondary Mortgage and KMG facilities is IDR 100,000,000 (one hundred million rupiah).
12. BDI will verify the eligibility of Program Participants with ZAI.

Program participants who meet the General Terms and Conditions and apply for mortgage facilities at BDI during the Program Period can enjoy the following interest rates:

*Note: Interest rates are subject to change at any time in accordance with Bank regulations
*Terms and conditions apply
*The applicable internal appraisal fee is IDR 500,000

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/id/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.

Program Participants are advised to beware of fraud conducted by individuals impersonating BDI representatives or offering prizes. Any criminal acts committed by third parties under the guise of this Program are beyond BDI’s responsibility.