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PermataKPR iB Bijak

Islamic Home Ownership Loan with the ease of reducing loan principal from a saving balance

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Islamic Home Ownership Loan with Musyarakah Mutanaqisah (MMQ) contract which offers the opportunity to enjoy KPR iB margins of up to 0%. By adding Bijak Syariah saving balance, 80% * of the savings balance can be calculated as a deduction in KPR iB margin calculation.

What are the Benefits?

Lower Installment

Lower Installment

Get lower installment by increasing your saving balance. Regardless of the funds in your saving account, 80% of the saving bonus will be calculated as a deduction for the monthly Home Ownership installment

Tenor up to 25 Years

Tenor up to 25 Years

Get a long-term Home Ownership financing facility for up to 25 years

Down Payment as Low as 15%

Down Payment as Low as 15%

The down payment for the financing facility that should be paid by the customers is only 15%

5 Working Days Approval Process

5 Working Days Approval Process

The approval process from document check until the approval is maximum of 5 working days

What Are The Costs?

Monthly Administration Fee

Administration Fee

Additional Costs

Monthly administration fee of IDR 20,000

Equivalent with 1% of the financing ceiling (in the 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 the administrative requirements

Complete the 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?

We're ready to assist the complaints or any other question you might have

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