Q: What is the minimum deposit for SIAGA HOKI Savings?
A: The minimum monthly deposit is IDR 100.000,-

Q: What is the interest rate for SIAGA HOKI Savings?
A: The interest rate for SIAGA HOKI Savings is 5% and is subject to HOKIbank’s prevailing terms and conditions. The rate may change at any time. For detailed information, please contact Customer Service directly.

Q: What is the saving period for SIAGA HOKI Savings?
A: The saving period for SIAGA HOKI Savings ranges from 1 year to 10 years.

Q: Is auto-debit available for SIAGA HOKI Savings deposits?
A: Auto-debit is not currently available. However, customers may make monthly deposits via bank transfer. Below is the list of bank account numbers for SIAGA HOKI Savings deposits.

In addition to transfers, deposits for SIAGA HOKI Savings can also be made in cash at the teller. For deposits made via transfer, please include the account holder’s name in the transfer description. For example, if the customer’s name is Mahendra, please write ‘Deposit under the name of Mahendra’ in the description. Proof of transfer may be sent to our staff or to our Customer Service.

Q: What is the current interest rate for time deposits?
A: The interest rates for HOKIbank time deposits are subject to the provisions set by the LPS regulator and may change from time to time. Below is the table of interest rates applicable for the period from 1 October 2025 to 31 January 2026:

For the latest information, please visit any HOKIbank branch or contact our Customer Service.

Q: What is the minimum placement for a time deposit?
A: The minimum time deposit placement at HOKIbank is IDR 1.000.000,-

Q: What are the available tenors for time deposits?
A: The available tenors are 1 month, 3 months, 6 months, and 12 months.

Q: Is there a penalty for early withdrawal before maturity?
A: No, there is no penalty for early withdrawal. However, the interest for the current month will not be paid.

Q: Are HOKIbank time deposits guaranteed by LPS?
A: HOKIbank time deposits are guaranteed by LPS provided that the maximum placement amount is IDR 2 billion and the interest rate does not exceed the LPS guaranteed interest rate.

Q: Can HOKAGE Savings be opened individually?
A: Yes. HOKAGE Savings accounts can be opened individually. In addition to individual accounts, accounts may also be opened through schools, provided that the school has partnered with HOKIbank. For more information, please contact our Customer Service.

Q: How can I open a HOKAGE Savings account?
A: Customers may open a HOKAGE Savings account by:

• Visiting a HOKIbank branch
• Completing the account opening form
• Submitting the parent’s/guardian’s identification and the child’s data
• Making the initial deposit in accordance with applicable terms
  Alternatively, customers may open an account collectively through a school that has partnered with HOKIbank. For further information regarding account opening through schools, please contact our Customer Service.

Q: What is the minimum deposit for HOKAGE Savings?
A: The initial deposit starts from IDR 5.000. Thereafter, customers may save freely according to their ability.

Q: Is there a time limit for saving in HOKAGE Savings?
A: There is no specific time limit. HOKAGE Savings can be used until the child reaches 17 years of age.

Q: What are the requirements to apply for a Multipurpose Loan?
A: Generally, the requirements include:

• Copy of ID Card (KTP) and Family Card (KK)
• Salary slip or proof of income
• Collateral in accordance with applicable terms
  
• Loan application form
  Note: Requirements may be adjusted in accordance with HOKIbank’s internal policies.

Q: What is the interest rate for the Multipurpose Loan?
A: The loan interest rate is subject to HOKIbank’s prevailing terms and is competitive. The latest information can be obtained at any HOKIbank branch.

Q: What is the maximum loan amount and tenor for the Multipurpose Loan?
A: The maximum loan amount is up to IDR 2 billion, with a maximum tenor of up to 60 months. However, the approved loan amount will be determined based on the customer’s credit analysis and repayment capacity.

Q: What is the current interest rate for the Teacher Certification Loan?
A: The current interest rate for the Teacher Certification Loan is 1.2%, subject to HOKIbank’s prevailing terms and conditions and may change from time to time. For further information, please contact our Customer Service.

Q: What are the requirements to apply for a Teacher Certification Loan?
A: 1. Copy of ID Card (KTP) and Family Card (KK)
     2. Appointment Decree as a Civil Servant / Teacher Certification Decree
     3. Salary slip or Certification Allowance Payment Decree
     4. Bank account passbook
     5. Loan application form
        (Requirements may be adjusted in accordance with HOKIbank’s policies.)

Q: Is it possible to transfer (take over) a loan from another bank?
A: Yes. HOKIbank’s Certification Loan accepts loan take-over applications from other financial institutions, subject to credit analysis.

Q: What is the maximum loan amount and tenor for the Teacher Certification Loan?
A: The maximum loan amount is up to IDR 250 million. However, the approved amount will be determined based on the customer’s repayment capacity. The maximum tenor is up to 8 years, subject to HOKIbank’s policies.