Own Your Dream Family Property with Low Interest Rates

Sinar Mas Land Group has a National Program called ROYAL KEY. The implementation of the program is from 1 February 2026 to 31 March 2026 (“Program Period”).

Customers who purchase certain Sinar Mas Land Group property units in Ready Stock condition using Danamon mortgages during the program period.

1. Sinar Mas Group Developer Promo Terms and Conditions – ROYAL KEY
   Property discounts of up to 24.5% are subject to the terms and conditions provided by the developer. Details of the program and developer projects can be accessed at the following link: www.sinarmasland.com/royal-key
2. Special Interest Rate

   Description	Bank Danamon Interest Rate	Tenor Provisions (Credit Terms)
   Fix and Floating	3.88% Fixed 3 Years 5.08 % Fixed 5 Years	15 Years Minimum
   Special Fix and Fix	• Years 1 – 3 : 5,25% • Years 4 – 6 : 8,25% • Year 7 – Finished : 11,25%	Tenor Options: 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years

   
   

   Note:

   • Interest rates are not binding and are subject to change at any time.
   • The tenor follows the applicable interest rate provisions. Currently, the maximum tenor is 30 years for the first credit facility with a house as collateral.
3. Get interest rates as low as IDR 0 during the fixed period with Danamon Lebih mortgage loans. More detailed information about Danamon mortgage loans can be found at www.danamon.co.id/id/Personal/Pinjaman/KPR/KPR-Danamon-Lebih

1. The program applies to selected projects from Sinar Mas Land Group and purchases and credit commitments during the program period.
2. Other provisions related to costs incurred in applying for a mortgage follow the applicable provisions.
3. Program Participants are required to read and understand the General Terms and Conditions of the Program.
4. 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.
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.

1. If there are any questions, complaints or credit complaints related to the Program, Program Participants may submit complaints about the Program either verbally or in writing via email: hellodanamon@danamon.co.id.
2. The procedures and mechanisms for customer complaints can be accessed via www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. General Terms and Conditions of This Program is an integral part of the General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk. These terms and conditions remain in force unless otherwise stipulated in the General Terms and Conditions of This Program.
2. The products and/or services of the merchant partner are not the products and responsibility of Bank Danamon and are therefore entirely the responsibility of the merchant partner. If there are any problems and/or complaints regarding the products, services, and/or the Program, please contact the merchant partner concerned.
3. The Customer hereby agrees and acknowledges that Bank Danamon reserves the right to revise/amend/supplement these General Terms and Conditions of the Program from time to time. Any changes/additions/updates to these General Terms and Conditions will be communicated through the communication channels available at Bank Danamon. In the event of changes to benefits, risks, fees, terms, and conditions under these General Terms and Conditions, the Customer has the right to submit a written objection to Bank Danamon within 30 (thirty) business days from the date the changes are communicated by Bank Danamon. The Customer agrees that if no objection is submitted within the specified period, the Customer shall be deemed to have accepted the changes. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the Program, provided that all obligations to Bank Danamon (if any) have been settled.
4. The Customer declares that there are no and will not be any Transactions that indicate money laundering or other Transactions prohibited under the prevailing laws and regulations in Indonesia.
5. In the event of any indication of fraud, misconduct and/or irregular Transactions, unreasonable Transactions money laundering, and/or actions that violate applicable laws and regulations, Bank Danamon reserves the right to cancel the Transactions, cancel the Customer’s participation in the Program, and/or cancel the Cashback distribution to the relevant Customer. The Customer remains obligated to settle all outstanding obligations to Bank Danamon.
6. If any irregularities are found in relation to this Program or if fraud is suspected, Program Participants are advised to immediately inform Hello Danamon.
7. These General Terms and Conditions of the Program have been adjusted in accordance with applicable laws and regulations, including regulations issued by the Financial Services Authority (OJK).
8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Deposit Insurance Corporation (LPS) guarantee program.

Customers must be cautious of fraud committed by individuals claiming to represent Bank Danamon and promising Cashback in any form. Any fraud or other criminal acts committed by third parties in connection with or claiming to represent the Program are beyond the authority of Bank Danamon.