The Mortgage Process Step by Step
From documents to contract — the partner-bank mortgage flow and how to prepare a passing file.
Mortgages at Calastia run through partner banks. The flow: book the unit → file the KPR application → bank verification → credit approval letter (SP3K) → credit contract → handover.
Prepare documents before the site visit so the application moves immediately: ID card, family card, tax ID, last 3 months of payslips, employment letter, last 3 months of bank statements, and SPT PPh 21. Employees and self-employed applicants usually submit different sets — self-employed adds business documents.
Banks assess installment capacity from income — a common ceiling is about one-third of monthly income. With installments from ~4 million/month (estimate), the matching income profile can be worked backwards.
A healthy bank statement speeds approval: regular balances, no sudden suspicious large transactions, and a clean credit record (SLIK/BI checking).
After the SP3K is issued, read the contract details: the interest rate (fixed for how long, then floating), early-repayment penalties, provision/notary fees, and the construction/handover schedule.
The 1-Million All-In DP promo reduces the upfront burden — ask marketing exactly what "all in" covers (DP, mortgage fees, title transfer) so no surprise fees appear mid-process.