To apply, you must:

• Be an Indonesian citizen (individual)
• Have no non-performing loan (NPL) history in the last 12 months (based on SLIK checks)
• Not be listed on the Debtor Blacklist (DHN) in the last 12 months
• Have no legal problems or not be involved in any legal issues
• Make the deposit through the Livin' app

• You can apply anytime and anywhere using the Livin' app
• You get a loan without having to withdraw your deposit — your deposit still earns interest
• You can borrow up to IDR 10 billion
• The process is fast and easy

• The loan interest rate is 0.5% on the top of the deposit interest rate
• Late payment fines start at 2% on the top of the current interest rate, based on the overdue amount
• An administration fee of IDR 250,000 per loan application
• A provision fee of 0.1% per year based on the loan amount
• Interest rates and fees can change based on bank policies

You can borrow min. IDR 1 million and max. IDR 10 billion.

There are 2 ways to pay:

• Monthly payments: Pay your principal and interest every month on the 15th. The loan can last up to 36 months.
• Pay principal at the end: Pay interest every month on the 15th, and pay the full principal and remaining interest when the loan ends. This option lasts up to 12 months.

Yes, it is possible. If the deposit is issued in the form of a deposit certificate, you can submit the physical deposit certificate to the branch within three (3) working days after the application has been approved.

You may submit the physical deposit certificate at any of the Bank Mandiri branches listed at the following link click here.

No, you can submit the physical deposit certificate only at branches that are included in the list.

You can collateral physical certificate deposits and Livin' deposits in one loan application for Kredit Agunan Deposito, but you still must submit their physical certificate to the branch. Upon submission of physical certificate at the branches, you will receive a copy of the handover minutes (BAST) as proof of the submission of physical bills at the branch.

NON ARO physical certificate deposits can be used as collateral for Kredit Agunan Deposito with the following conditions:

• If the tenor of the physical certificate deposit is shorter or equal to the tenor of the application submitted: (i) NON ARO physical certificate deposits will be converted to ARO deposits by system (ii) You must fill in the General Application Form stating NON ARO physical certificate deposits are converted into ARO deposits at the branch.
• If the tenor of the physical certificate deposit is longer than the tenor of the application submitted: NON ARO physical certificate deposits will remain NON ARO deposits

No, you must submit a physical certificate that is in accordance with the credit application.

Yes, you must submit a physical certificate that is in accordance with the credit application no more than 3 days. If it is not submitted within the specified time limit, Bank has the right to disburse the deposit in the event of default on its Kredit Agunan Deposito.

You can visit the same branch when you submit the physical certificate.

You can bring the handover minutes (BAST document) and show a notification at Livin' by Mandiri that your loan has been paid off.

There are three stages in the application process, as follows:

• Application is being checked: This is the initial verification stage of your loan application, which generally takes approximately 15 minutes.
• Application approved: At this stage, the loan application has been approved by the Bank, and you may proceed with the online signing of the Loan Agreement through the Livin' by Mandiri application. After the Loan Agreement has been signed, the loan will be further processed by the Bank.
• Funds Disbursed: At this stage, the Bank processes the disbursement of the loan to your savings account. The disbursement may be completed within approximately 30 (thirty) minutes after the approval and signing processes are completed, subject to data completeness, system availability, and applicable terms and conditions. In certain circumstances, the disbursement process may require a longer processing time.

You can monitor the status of your application through the Inbox in the Livin' by Mandiri application or via periodic email notifications.

If your application status remains unchanged for more than 3 days, please contact Mandiri Call at 14000.

• If you don't pay, your loan will be considered overdue.
• If you don't pay the penalty within 1 day, your deposit will be automatically used to pay off the loan.

• Your deposit will be used to pay the loan.
• You will be charged a daily penalty for late payments.
• Your credit record will show that you missed payments, which is recorded in the Financial Information Service System (SLIK).

If you believe you did not make the transaction, you can report it by calling Mandiri Call at 14000.

You can report the issue by calling Mandiri Call at 14000 or by visiting the nearest Mandiri branch.

Currently, early repayment of a Kredit Agunan Deposito is not allowed before the loan maturity date.

Once submitted, a Kredit Agunan Deposito application cannot be cancelled.

• You cannot apply for a top-up on an existing Kredit Agunan Deposito that has already been processed and disbursed to your account.
• If you need additional funds, you may apply for a new Kredit Agunan Deposito after the previous loan has been successfully disbursed.

This is a feature in Livin' that allows customers to independently request an extension of the tenor or loan period for a Kredit Agunan Deposito (KAD) through Livin' by Mandiri, without needing to visit a branch.

This is a feature in Livin' that allows customers to repay their Kredit Agunan Deposito (KAD) earlier, before the due date. Customers can complete the repayment independently through Livin' by Mandiri without needing to visit a branch.

No, customers cannot extend a KAD that was created at a branch via Livin'. Only KADs created through the Livin' app are eligible for extension in Livin'.

No, customers cannot make early repayment for a KAD created at a branch via Livin'. Only KADs created through the Livin' app are eligible for early repayment in Livin'.

Customers can check the status by:

• Going to the Inbox menu
• Clicking the notification
• Selecting the notification containing the KAD renewal application milestone

Customers can check the status by:

• Going to the Inbox menu
• Clicking the notification
• Selecting the latest notification related to early repayment

A KAD extension may fail due to the following reasons:

• The KAD was created at a branch: ensure only KADs created in the Livin' app are extended via Livin'
• Insufficient balance in the debit account: ensure sufficient funds are available for the extension payment
• Borrower data does not match Dukcapil records: please update your data with Dukcapil
• Spouse information provided does not match the data recorded in Dukcapil: please ensure that the spouse's details are entered in accordance with the Dukcapil records.
• The customer has submitted a credit extension request but has not signed the credit agreement by H+1 of the request date: as the extension request has expired, please submit a new application for the credit extension.
• The customer has not processed the credit extension by H-2 before the due date: please ensure that the extension is completed no later than H-2 prior to the credit due date.

An early repayment may fail due to the following reasons:

• The KAD was created at a branch: ensure only KADs created in the Livin' app are repaid via Livin'
• Insufficient balance in the debit account: ensure sufficient funds are available for repayment using CASA/GIRO
• Early repayment requests cannot be made between 22:00 WIB and 04:00 WIB

Customers experiencing issues may contact Livin' Call by Mandiri (toll-free) to report the issue.

Customers experiencing issues may reapply for early repayment or contact Livin' Call by Mandiri (toll-free) to report the issue.