Mandiri KPR Multiguna

Mandiri KPR Multiguna is a credit facility given to individuals for various needs with house/apartment/house-shop/house-office owned put as collaterals.

Advantages of Multiguna Mandiri

Multiguna Mandiri has various features, including:

  • Multiguna Take Over
    is a Multiguna Mandiri facility used to takeover credit facilities from other banks with similar product, and also for other needs.
  • Multiguna Top Up
    is an additional credit facility to the existing Multiguna Mandiri facility

Benefits of Multiguna Mandiri

  • Competitive Rate
  • Fast and easy process.
  • Credit Limit Rp 25 million up to Rp 1.5 billion (Outside Jabodetabek) and Rp 50 million up to Rp 2 billion (Jabodetabek)
  • Bank financing up to 70% from the collateral value based on Bank’s appraisal.
  • Tenor up to 10 years.
  • Life and fire insurance coverage.

Requirements for the Application for Multiguna Mandiri

  • Indonesian citizen (WNI) and domiciled in Indonesia.
  • Minimum 21 years old, and maximum 55 years old (employee) and 60 years old (professional/private) at the end of credit term.
  • Fill out an application form for Multiguna Mandiri
  • Have a permanent Job and Income:
    1. Employee :
      • Status as a permanent employee in present job.
      • Working period:
        1. minimum 2 years (including service year before the appointment to permanent employee) in current company, or
        2. minimum 2 years as a permanent employee in the pervious company. The last job in previous company must be similar to the current job.
          For example: position at current job is Accounting Manager and in previous company was Accounting Staff. From the two positions, it is known that the person’s jobs are similar that is Accounting.
      • Minimum income:
        • Jabotabek area = Rp 2,500,000.00 (two million five hundred thousand rupiah) per month
        • Outside JABOTABEK area = Rp. 2,000,000,- (two million rupiah) per month
        • For Joint Income, the above minimum income has included husband’s/wife’s income that can be verified by Bank.
    2. Private or Professional :
      • Has experience in his/her business minimum 2 years consecutively (proven by business/practice license)
      • Has income which can be verified, with average monthly income as follows.
        • Jabotabek area = Rp 2,500,000.00 (two million five hundred thousand rupiah) per month
        • Outside JABOTABEK area = Rp. 2,000,000,- (two million rupiah) per month
  • Required documents
    No Documents Employee Professional Private
    1. Fill the document
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    2. Copy of applicant’s and spouse’s ID Card
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    3. Copy of marriage/divorce certificate
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    4. Copy of Family Registration Card
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    5. Copy of Statement of Accounts/savings book for the last 3 months
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    6. Copy of NPWP (taxpayer’s registration number) personal/Tax return article 21
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    7. Latest original salary slip/Statement of income and position
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    8. Copy of statement of accounts/savings book from the last 3 months
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    9. Copy of balance sheet & profit lost statement/latest financial information
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    10. Copy of professional licenses
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    11. Copy of SHM (Right to Own Certificate)/SHGB (Right to Build Certificate)/strata title in the name of debtor (husband/wife), IMB (Building Permit) & PBB (Land and Building Tax)
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Costs

  • Commission 1%
  • Administration Rp 500 thousand, excluding revenue stamp
  • Appraisal of collateral Rp 250 thousand up to Rp 500 thousand to be paid in advance
  • Life and loss insurance
  • APHT (Deed of Granting of Mortgage Right) and Notary fee
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