PermataKPR iB Murabahah

Islamic Home Ownership Loan with low Down Payment and fixed installments during the financing period

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Islamic Home Ownership Loan with financing contract based on sales and purchases principle by including agreed cost and profit (margin). Customer will be at ease as for the financing period the installments will not change (fixed) even though the economic conditions are uncertain.

What are the Benefits?

Safe

Safe

Home ownership loan with Murabahah concept

Fast Approval Process

Fast Approval Process

Five working days approval since the acceptance of the complete document

5 Year Tenor

5 Year Tenor

5-year financing tenor that suits the customer’s needs

Making your Dream Comes True

Making your Dream Comes True

Making your dream to have a dream house, shop house, apartment, house renovation, home construction, villa, take over, top up and multi-purpose property financing come true

What Are The Costs?

Monthly Administration fee

Administration Financing Fee

Additional Fee

Free

The equivalent of 1.1% of the financing ceiling (in nominal form)

It is in accordance with the applicable regulations which may change at any time according to Bank policy with prior notice through the media owned by the Bank

What are the Requirements?

Indonesian Citizens

Indonesian Citizens

Individual (not a business entity)

Individual (not a business entity)

Minimum age of 21 years old

Minimum age of 21 years old

Complete administrative requirements

Complete administrative requirements

Do You Need Loan Cost Information?

We provide you the calculation of loan cost you would spend

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Any Question?

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Terms and Condition

  1. Minimum age of 21 years old and maximum age of 55 years old and maximum age of 65 years old at the end of the credit period

  2. Have a steady and sustainable income

  3. The risk of the financing facilities include:

    • Customer submission can be rejected by the Bank if it is not following the provisions
    • A penalty will be charged if customers are late in paying the installment
    • Confiscate the collateral if customers fail to fulfill the financing obligation

  4. Employee Personal Documents:

    • A copy of applicants’ Resident ID Card (KTP) and husband’s or wife’s KTP if any
    • A copy of family certificate
    • A copy of marriage or divorce or  separation of properties certificate if any
    • A copy of Indonesian Citizen (WNI) paper and change name (if any) or husband or  wife birth certificate
    • The original document of the latest salary slip or employment certificate
    • A copy of savings or current account for the last 3 months
    • A copy of Taxpayer Identification Number (NPWP)
    • Debtor declaration paper

  5. Professional Personal Document:

    • A copy of applicants’ KTP and husband’s or wife’s KTP if any
    • A copy of family certificate
    • Fotokopi Akta Nikah atau Cerai atau Pisah Harta jika ada
    • A copy of Indonesian Citizen (WNI) paper and change name (if any) or husband or  wife birth certificate
    • The original document of the latest salary slip or employment certificate
    • A copy of Taxpayer Identification Number (NPWP)
    • A copy of Practice License or letter of Appointment from Related Institution
    • Debtor declaration paper

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