Special Interest for Zurich Asuransi Indonesia Policy Holder

The implementation of the program is from 1 April to 30 June 2026 (“Program Period”).

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

1. ZAI Policyholders
2. Have a minimum monthly net income of IDR 10,000,000.00 (ten million Rupiah).
3. The maximum age of Program Participants at the end of the loan term is:
   1. 55 (fifty-five) years of age or upon reaching retirement age for private-sector employees.
   2. 70 (seventy) years of age for professionals and the self-employed.
4. Residing in West Java, Central Java, East Java, the Special Region of Yogyakarta, Solo, Bali, Medan, Batam and Makassar.
5. The creditworthiness of program participants is determined based on records in the Financial Services Authority’s Financial Information Service System (SLIK OJK), in accordance with the applicable regulations at Bank Danamon.

1. Customers are required to read and understand the General Terms and Conditions of this Program.
2. Bank Danamon reserves the right to reject or cancel the Customer’s participation in the Program if the Customer does not comply with the General Terms and Conditions of the Program.
3. The Customer shall be fully responsible for any risks, losses, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in the Program.
4. Program Participants may apply for a mortgage/multi-purpose loan/takeover facility by clicking on the Program banner within the Medicilin app, then completing the e-form in accordance with the fields provided. Program Participants will then be contacted by a Bank Danamon representative via email for the next steps.
5. If the Program Participant’s credit application is approved, the Program Participant agrees to pay the fees incurred in connection with the mortgage/multi-purpose/take over facility.
6. For applications for take over and/or take over + top up facilities, Program Participants must hold a mortgage facility with another financial institution that was disbursed at least 36 (thirty-six) months prior to submitting the take over facility application to Bank Danamon.
7. The Program Participant must not have a history of restructuring or late payments on the mortgage facility with the original financial institution during the 6 (six) months prior to applying for the take over facility with Bank Danamon, or for such other period as may be determined by Bank Danamon from time to time.
8. The Program Participant may use joint income with their spouse, evidenced by attaching a marriage certificate.
9. The maximum mortgage/multi-purpose/take-over facility that may be granted is the lesser of: 85% of the appraised value of the collateral or, in the event the Program Participant holds multiple mortgage/multi-purpose/take-over facilities with Bank Danamon or other financial institutions, in accordance with the applicable loan-to-value ratio.
10. This program is only valid with collateral in the form of ready stock for properties such as detached houses, shop houses (ruko), office houses (rukan), or flats for which a certificate of ownership has been issued, namely a Certificate of Freehold (SHM) or a Certificate of Right to Build (SHGB) and/or a Certificate of Freehold for a Unit in a Block of Flats (SHMSRS) in accordance with applicable regulations.
11. The certificates referred to in point 10 above must be registered in the name of the Program Participant or the Program Participant’s spouse or the Program Participant’s child.
12. The minimum loan amount for applications for the take over and/or take over + top up facilities under this Program is IDR 500,000,000 (five hundred million rupiah).
13. The minimum loan amount for applications for the Mortgage Loan and Multi-Purpose Loan facilities under this Program is IDR 100,000,000 (one hundred million rupiah).

Program participants who meet the General Terms and Conditions and apply for a mortgage facility at BDI during the Program Period are eligible for the following interest rates:

Note:

1. Interest rates are subject to change at any time in accordance with the Bank’s terms and conditions
2. Terms and conditions apply to all credit facility applications at Bank Danamon
3. The applicable internal appraisal fee is IDR 500,000

1. Applications for mortgage, multi-purpose or take-over facilities from Program Participants may be rejected by the Bank.
2. In the event that an application for a mortgage, multi-purpose or take-over facility is rejected by the Bank, any costs already incurred by the Program Participant will not be refunded by the Bank and shall be borne by the Program Participant.

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. These General Terms and Conditions of the Program form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk” and the “General Terms and Conditions for Credit Facilities”. In the event of any discrepancy or conflict between those provisions and these General Terms and Conditions of the Program, these General Terms and Conditions of the Program shall prevail.
2. Program Participants hereby agree and acknowledge that the Bank is entitled to amend, modify or supplement these General Terms and Conditions of the Program from time to time, with notice provided via the communication channels available at the Bank. In the event of changes to benefits, risks, costs, terms and conditions under these General Terms and Conditions of the Program, as well as other changes, the Program Participant is entitled to submit a written objection to the Bank within 30 (thirty) working days from the date the Bank notifies such changes via the Bank’s communication channels. The Program Participant agrees that the Program Participant shall be deemed to have consented to the notified changes if the Program Participant does not raise an objection within that period. Should the Program Participant not consent to such changes, the Program Participant is entitled to cancel their participation in the Program, provided they first settle all outstanding obligations of the Program Participant to the Bank (if any).
3. The Program Participant declares that the Program Participant is not currently engaged in, and will not engage in, transactions suspected of constituting money laundering offences and/or other transactions prohibited under the applicable laws and regulations of Indonesia.
4. Should there be indications of fraud, deception, misuse, irregular transactions, unreasonable transactions, money laundering offences and/or actions inconsistent with applicable laws and regulations, the Bank reserves the right to cancel transactions, terminate the use of the Bank’s products/services, cancel participation in the Program, or cancel the provision of Program benefits to the relevant Program Participant. Program Participants remain obliged to settle all their obligations to the Bank (if any).
5. Should any irregularities relating to this Program be discovered, or should any suspicion of fraud arise, Program Participants are advised to notify Hello Danamon immediately.
6. If any provision of these General Terms and Conditions is prohibited, unenforceable, invalid or declared null and void by a government regulation or court ruling, this shall not affect the validity of the other provisions of these General Terms and Conditions, and such other provisions shall remain in full force and effect and shall be enforceable as set out in these General Terms and Conditions.
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 Indonesia 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.