A house is one of the basic human necessities. Unfortunately, buying a house is not easy since the price is not cheap. One way to buy a house that is popular today is to use Sharia mortgages. At present, there are quite a number of banks in Indonesia that offer Sharia mortgages. Here are some important facts about Sharia mortgages that you need to know about.
Using Margin/Profit Sharing/Ujrah Calculation
Sharia mortgage does not apply any interest system, but rather uses a margin calculation, profit sharing, or ujrah, depending on the contract. Various types of contracts make Sharia mortgages more applicable than other systems. The type of contract that will be used is depending on the users. In general, contracts for Sharia mortgage financing include sale and purchase agreements (Murabaha), lease-purchase agreements (Ijarah Muntahiyah Bi Thamlik), and contracts based on portion ownership agreements (Musyarakah Mutanaqisah).
Lower Down Payment
Another advantage of using Sharia mortgages is getting lower down payments. This one is certainly very profitable and suitable for you who still do not have a lot of savings and want to immediately have a house.
When using a product from Sharia mortgages, you only need to pay an advance of around 10%. The application process for Sharia mortgages also has easier conditions, fixed instalments, lower down payments, complete product variations and transparent margins, so that you can choose Sharia mortgages to own a house immediately.
Complete Product
PermataKPR Syariah has a complete and varied selection of products to suit your needs. For the purposes of mortgage financing with short and fixed tenure, you can use Murabaha based on the sale and purchase agreements.
As for mortgage financing with a longer tenure (up to 25 years), you can use IMBT/Ijarah Muntahiyah Bi Thamlik products based on the principle of lease-purchase or MMQ/Musyarakah Mutanaqisah, based on the principle of agreed partnership.
One of the best products of PermataBank is PermataKPR iB Bijak. PermataKPR iB Bijak innovatively utilizes 80% of your wise savings to get benefits in the form of a reduction in mortgage instalments or tenure.
Transparent Margin
Another advantage of Shariah mortgage financing at PermataBank is transparent margins. The customer will get a transparent margin determination that can be checked at any time. The transparent margin given to the customer is a 12-month SBIS + 4.75%.
With a fast approval process, a maximum of only 5 working days (calculated from the submission of documents), you can get financing for your dream home. What are you waiting for? Own your dream home with PermataKPR iB now!
Aspiration for You
12 MAR 2020 | CONVENTIONAL NEWS
Benefits of KPR’s Take Over
02 SEP 2019 | SYARIAH
Your First Step to Perform Hajj
Privacy Policy
As privacy is an important aspect for the visitors of PermataBank website, PermataBank is determined to protect the visitors’ privacy. You may browse most part of PermataBank’s website without submitting any personal information. However, you may be asked to disclose certain information for PermataBank to be able to provide the service you request for. The privacy statement in this website is prepared to help visitors understand the types of information provided in PermataBank’s website, and how PermataBank handles the information.
The Collection and Use of Information
PermataBank is the sole owner of the entire information in this website. PermataBank will not sell, share, or rent the information in this website to other parties in the manner contradictary to the aspect presented in this statement.
Browsing the Information
During your access to PermataBank website, you may find some information in the form of ”cookie” in your computer, so that PermataBank can recognize you the next time you revisit the website. Cookies refer to small size text archive transferred by the website to a visitor’s hard disk when the visitor is browsing the website. PermataBank does not use cookies to collect personal information such as names or email addresses; therefore, all information collected by cookies will be arranged anynomously. PermataBank only uses cookies to measure the effectiveness of PermataBank online, such as by identifying the repeat visits to PermataBank’s website and observing the channel chosen by visitors when browsing PermataBank’s website, so that PermataBank will be able to adjust the website to your desire. If you do not wish to receive cookies or wish to be informed when cookies are placed, you can arrange your web browser for such purposes, provided that your web browser supports it.
Security
PermataBank will make continuous efforts to maintain the security of your personal information and protect it from manipulation, forgery, and irresponsible access and disclosure. PermataBank will also endeavor to maintain information accuracy.
External links
This website may accommodate links to other sites. Please be aware that PermataBank is not responsible for the privacy practices of other sites. PermataBank strongly recommends website visitors to read the privacy statement of all sites that collect personal information. The privacy statement in this website applies only to the information presented in this website.
Changes of Statement
PermataBank reserves the rights to change the statement in this website at anytime. PermataBank suggests the visitors of this website to recheck the privacy statement from time to time and learn a number of new privacy practices or modification of PermataBank policies.
Terms of Use
© Copyright 2024 - PT Bank Permata, Tbk. All rights are protected by law.
Information Policy
The use and content of this website are provided for your convenience. The information presented in this website is provided for you, without any kind of guarantee, either written or implied, included but not limited to the guarantee on tradeworthy goods and/or services, the compatibility for any purpose, promotion for a product without violating any rule.
This website may contain technical guidance that is inaccurate and typographical errors. PermataBank reserves the right to correct and/or modify the information in this website at any time and by any methods, without prior notice.
PermataBank is not responsible or liable for any material and non-material loss, which may be suffered by anyone or any party, as directly or indirectly resulted from the use of the information contained in this website, either in part or in entirety.
Link to Other Websites
For your convenience, PermataBank can also provide some links to other sites in the Internet, which are owned and/or operated by any party. Please note that those sites are not under PermataBank control, and therefore, PermataBank is not responsible for the content of such websites.