Open New Opportunities with Your Property Guarantee

The program runs until December 31, 2026.

1. General provisions of prospective debtors:

   Work	General Term	Other Condition
   Fixed Income Earner / Employee	Minimum of 2 (two) years of work experience, including previous on-site employment Minimum gross monthly income of IDR 10 million	Must include payslip or reference letter from company
   Professional	Minimum work/profession/practice experience of 2 (two) years Minimum gross monthly income of IDR 10 million	Must include a valid practice license or business license
   Business player	Minimum of 2 (two) years of experience in the same business/industry Minimum gross monthly income of IDR 10 million	Shall include the company's deed of incorporation and its amendments

2. Indonesian citizen living in Indonesia.
3. Age limit for individual prospective debtors:
   1. Minimum age of 21 years at the time of loan application, and
   2. Maximum age is 65 years old at the time of loan maturity.

Get special interest rates for KAB Secured

1. The maximum tenor available:

   Collateral	KAB Pembelian	KAB Multiguna
   Land & Building	10 (ten) years	8 (eight) years
   Vacant Land	7 (seven) years	7 (seven) years

2. Program Participants are required to read and understand the General Terms and Conditions of the Program
3. Program Participants are solely responsible for any and all risks, losses, claims, lawsuits, and/or demands arising from their participation in, or cancellation of participation in, this Program.

1. Customers and/or their authorized representatives may submit complaints regarding dissatisfaction with Bank Danamon's programs, transactions, or services through the nearest Bank Danamon branch office, by calling Hello Danamon at 1-500-090 (GSM), or via email at hellodanamon@danamon.co.id. Complaints may be submitted either verbally or in writing.
2. Procedures regarding Customer complaint services can be accessed through the https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah

1. Other terms and conditions related to Bank Danamon's products and/or services that are not otherwise regulated under these General Terms and Conditions shall remain valid and binding on the Customer and are considered an integral part of these Terms and Conditions.
2. If the Customer meets the applicable requirements, detailed information will be provided in the Loan Facility Offer Letter.
3. The Customer agrees that Bank Danamon reserves the right to cancel the Customer’s participation in this Program if the Customer fails to meet the General Terms and Conditions.
4. The Customer hereby agrees and acknowledges that Bank Danamon may, from time to time, revise, amend, or supplement these General Terms and Conditions (hereinafter referred to as “Amendments”). Any such Amendments will be communicated to the Customer through the Bank’s available communication channels within a reasonable time frame in accordance with applicable legal provisions. In the event of changes to benefits, risks, costs, or other terms and conditions, the Customer has the right to submit a written objection to Bank Danamon within thirty (30) working days from the date of such notification. If the Customer does not raise any objection within the specified period, the Customer is deemed to have accepted the changes. If the Customer does not agree with the Amendments, the Customer has the right to close the relevant account and/or service after fulfilling all obligations to the Bank, if any.
5. All transactions must not involve money laundering or any other activities prohibited under applicable laws and regulations in Indonesia.
6. In the event of any reported indication of fraud, misrepresentation, or irregular transactions, Bank Danamon reserves the right to cancel the transaction or withhold the related funds or benefits.
7. For further information about KAB Secured products, please contact Hello Danamon at 1-500-090 or visit the nearest branch
8. These General Terms and Conditions have been adjusted to comply with applicable laws and regulations, including those set by the Financial Services Authority (OJK).
9. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a participant in the Deposit Insurance Corporation (LPS) guarantee program.

Customers are advised to be cautious of fraud committed by individuals impersonating Bank Danamon and offering rewards or prizes of any kind. Any fraudulent or criminal activity carried out by third parties in relation to or on behalf of the Program is beyond the responsibility and authority of Bank Danamon.