Kredit Serbaguna Mandiri Baru

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Mandiri KSM

Mandiri KSM is a credit-issuing facility provided to employees with a fixed income, a secure profession, to finance their various needs.

This facility can support different expenditures, such as education, marriage, health, home renovation, and others.

 
 
Apply now on Livin' by Mandiri
 
 
 
 
 

With Mandiri KSM, you are entitled to the following benefits:

  • Competitive interest rates
  • Quick and easy process, funds disbursed within 1 day upon receipt of required documents
  • Low credit fees
  • Up to Rp1 billion credit limit
  • Up to 15 years of loan tenure
  • No collateral required
 
 

Interested in applying for KSM at Bank Mandiri? See whether you meet the following terms and conditions:

 
 
  • Indonesian citizen (WNI) currently residing in Indonesia
  • Minimum age requirement: 21 years, maximum age requirement: not yet entering retirement age at the time of credit acquittal
  • Minimum income requirement of Rp3 million
  • Applications on the Livin' by Mandiri app are available to selected customers
 
 

Fees:

Type of Fees Regular Channel Acqusition Livin’ Channel Acqusition
Insurance In accordance with applicable regulations No fee
Administration No fee 0,8% of agreed credit limit
Layanan Rekening KSM 0,8% of agreed credit limit No fee
Provision 0,3% of agreed credit limit 0,3% of agreed credit limit
 
 
No Document Requirements PNS/TNI/POLRI BUMN/BUMD/SWASTA
1 Physical Application From to be fully and correctly completed V V
2 Copy of Applicant's e-ID Card V V
3 Copy of Tax Identification Number (NPWP) (only for >Rp 50 million credit limit) V V
4 Original Salary Slip/Last Income Statement (only for non-payroll employees) V V
5 Original Employee Appointment Decree from a verifiable institution (only for TNI/POLRI)* V -
 
 

How to apply for KSM?

KSM application can be done through the following methods:

  • Application through nearest branch/unit of Bank Mandiri
  • Application through Livin' by Mandiri app by clicking https://bmri.id/livinksm
  • Official telemarketing offers from Bank Mandiri

Telesales

  • Telemarketing is a marketing channel that uses dedicated staff to deliver KSM offers.
  • KSM Channel Telemarketing is headquartered in Jakarta and delivers offers to selected Bank Mandiri customers throughout Indonesia via telephone at 14043.
  • Offers are made on weekdays, Monday through Friday, from 8:00 AM to 6:00 PM WIB (Western Indonesian Time), except on national holidays, in accordance with OJK regulations.
  • Conversations between the telemarketing staff and the debtor are recorded for customer security and convenience, as well as to improve the quality of our offer.

Risk Implication

  • the risk is deemed very low unless there are some unforeseen circumstances occur (e.g., debtors were laid off that impacting to their ability to pay the loan, changes on the payroll account which resulting the Bank needs to have some adjustments to the features)
  • If there is a Payroll that precedes the installment payment date (especially on religious holidays or other things that make the salary advance), the Bank will withhold funds for a number of current monthly installments to be paid on the installment date.
  • There is a one-installment fund hold that will be applied to the final installment of the KSM loan.

Simulation

Simulation of Mandiri KSM*

Employee Status :Permanent Employee, Payrolled in Bank Mandiri
Loan Amount : IDR 250.000.000
Loan Period : 10 years
Interest Rate : 10,5%* effective p.a

 
 
Estimated Installment Date Estimated Loan Amount Estimated Installment
Due to salary payment date 250.000.000 3.373.275

* Terms & Condition Applied

 
 
 
 

For More Information

Please visit the nearest Bank Mandiri or Mandiri Call at 14000.