Indonesia KPR Home Loan
The KPR file: identity, income, and the property certificate the bank's legal team checks. 7 required documents, 2 conditional. The checklist is free to read. Pro matches your files to it and builds the bundle.
Drop the whole folder in
Every PDF you have for this application, in any order, named however your bank and employer named them.
See what matches and what's missing
Each file is read in your browser and placed against a checklist slot. Anything mandatory that's absent is called out before you file.
Build the submission bundle
Files come out in the order the authority reads them, named to match, and checked against the portal's size limit.
What the Indonesia KPR Home Loan actually asks for
In the order Indonesian banks works through them. Output format: Numbered files by category, in the bank's review order.
- 01
KTP (identity card)
RequiredApplicant's KTP, and the spouse's where married.
- 02
Family card (Kartu Keluarga)
RequiredThe household registration document listing dependants.
- 03
Tax number (NPWP)
RequiredRequired for the bank's reporting and for most loan sizes.
- 04
Marriage or divorce certificate
If it appliesBuku nikah or the divorce decree, where it applies.
- 05
Salary slips (slip gaji)
RequiredLast 3 monthsConsecutive payslips showing gross pay, deductions and net pay.
- 06
Employment letter (surat keterangan kerja)
RequiredIssued in the last 3 monthsConfirming your position, length of service and status.
- 07
Account statements (rekening koran)
RequiredLast 3 to 6 monthsStatements covering an unbroken run of months, showing your name and account number.
- 08
Property certificate
RequiredSHM or SHGB certificate, IMB/PBG building permit and the latest PBB tax receipt.
- 09
Business documents
If it appliesSelf-employed: NIB, SIUP and financial statements in place of payslips.
Compiled from the KPR document lists Indonesian banks publish. Each bank varies, particularly on how many months of rekening koran they want. Last reviewed 2026-08-05.
What actually goes wrong
The certificate check is the long pole
Banks send SHM and SHGB certificates to their legal team for verification at the land office. Anything unclear in the scan restarts that clock, so scan the certificate at full page, in colour, unfolded.
Free, forever
- The complete checklist on this page
- What each document must show, and how recent it has to be
- The portal's size limits and naming convention
- Every other PDF tool on the site
Pro: the pack builder
- Drop your folder in and have every file matched to its slot
- A gap report before you file, not after it's refused
- Size checks against the limits this submission enforces
- One assembled bundle, in order, correctly named
- A cover sheet listing what's inside and what isn't
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Indonesia KPR Home Loan questions
Do I need a NPWP for a small loan?
Most banks now ask for it regardless of size, because they report the facility. Applications without one usually come back as a query rather than a rejection.
One folder in, one submission out
The Indonesia KPR Home Loan checklist is free to read above. Pro matches your documents to it and assembles the bundle.
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