KPR 2024

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Livin’ KPR Having a House
Made Easier

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Bank Mandiri
Bank Mandiri
Bank Mandiri

Competitive Interest Rates

Bank Mandiri

Tenor up to 30 Years

KPR Simulation and Appointment

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Submission KPR

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FAQ KPR

Frequently Asked Questions (FAQs)

What is Livin’ KPR?

Livin’ KPR is a feature within the Livin’ by Mandiri app that provides a variety of property-related services for customers. It covers everything from property showcases and KPR simulations to scheduling appointments with bank officers, as well as submitting and tracking KPR applications. 

What are the benefits of Livin’ KPR?

Livin’ KPR offers numerous advantages for customers, including: 

  • Easily apply for a KPR and track your application status anytime, anywhere, directly from your smartphone;
  • Special interest rates and promotional offers tailored specifically for customers;
  • Benefit from exclusive property price discounts provided by partner developers;
  • Applying for a KPR is easier as it is seamlessly integrated with your customer data in the Livin’ by Mandiri app;
  • Faster approval process.

What features are available in Livin’ KPR?

The detailed features available in Livin’ KPR are as follows:

  1. Property Showcases

    Customers can access comprehensive information regarding their desired property. Additionally, customers can easily contact Bank Mandiri officers via WhatsApp for assistance with property visits/surveys before purchase, or for further consultation regarding the Livin’ KPR process.

  2. Property Recommendation

    Customers will receive property recommendations based on their current location and previous search history.

  3. Property Explore

    This feature enables customers to find properties faster and easier by entering keywords such as housing project names, developers, locations, and unit types. Additionally, it is equipped with sorting and filtering options, allowing customers to find the best home that matches their specific criteria.

  4. Wishlist Property

    Customers can save their favorite property listings to an 'archive' within Livin’ KPR, making it easier to access them again in the future.

  5. KPR Calculator / Simulation

    This feature helps customers calculate estimated monthly installments and financing limits based on either the property price or their current income.

  6. Consultation/Discussion with the Mandiri Team

    Have questions about a property? Simply tap the Consultation button to connect with a Bank Mandiri representative. You can also request a scheduled appointment to be accompanied by our team when meeting with the developer.

  7. KPR Application
    Customers can apply for Livin’ KPR online through a quick and easy process, divided into two stages:

    • Screening Form: Fill in administrative data for an automated credit background check (SLIK).
    • KPR Application Form: Provide detailed loan information, including the property price, down payment (DP), credit limit, and loan tenure

  8. Tracking Application Status

    Customers can monitor their KPR application status directly within the Livin’ by Mandiri app. This feature ensures a more transparent application process, allowing customers to stay informed without the need to contact a bank officer.

Who is eligible to apply for a KPR through Livin’ by Mandiri?

The KPR application via Livin’ by Mandiri is available to selected customers who meet specific criteria determined by Bank Mandiri.

Where can I access Livin’ KPR?

Customers can access Livin’ KPR within the Livin’ by Mandiri app through:

  • KPR Widget on the Home section.
  • KPR Widget on the Loans section.

What promotions and interest rates can I get through Livin’ KPR?

KPR applications submitted through the New Livin’ by Mandiri app offer exclusive pricing benefits as follows:

Interest Rate[1] Min Tenor Usage
2.60% fixed for 1 Year 5 Years All KPR applications submitted through Livin’ KPR
2.66% fixed for 3 Years 15 Years
3.56% fixed for 2 Years 5 Years
3.40% fixed for 5 Years 15 Years
4.60% fixed for 3 Years 10 Years
7.96% fixed for 10 Years 15 Years
8.76% fixed for 10 Years 5 Years
4.86% fixed for the first 3 years, followed by 8.86% fixed for next 3 years, then 9.86% fixed for the remaining 4 years 12 Years
14.25% fixed for 1 Years 1 Years

Free provision fee and 1.25% Admin fee based on credit limit. Prepayment penalties for partial or full settlement are calculated based on the repaid principal amount and are applicable throughout the loan tenure.

  • These interest rates are valid until March 31, 2026.

What types of financing can I apply for through Livin’ KPR?

Currently, KPR applications through the Livin’ by Mandiri app can be processed for:

  1. New Booking (Primary dan Secondary)

    Customers can apply for Livin' KPR online in a quick and easy manner, which is divided into two stages, namely:

    • New Booking Primary (New Property): KPR facilities provided to finance the purchase of residential houses, shophouses, or apartments from developers, both those partnering and non-partnering with the Bank.
    • NNew Booking Secondary (Resale Property): KPR facilities provided to finance the purchase of residential houses, shophouses, or apartments from individuals or property brokers.

  2. Refinancing A KPR facility provided using residential houses, shophouses, or apartments as collateral

  3. Top Up An additional credit limit provided to existing Mandiri KPR customers, available with either the same remaining tenure or an extended loan period

  4. Take Over The transfer of a KPR from another bank, financial institution, or finance company, using residential houses, shophouses, or apartments as collateral. The maximum credit limit is determined by either the current outstanding balance from the original institution or a new limit calculated by Bank Mandiri (which may include the previous outstanding balance plus an additional limit, if applicable).

the current outstanding balance from the original institution or a new limit calculated by Bank Mandiri (which may include the previous outstanding balance plus an additional limit, if applicable).

 

  1. Residential Houses: Including those used for boarding houses (kost-kostan), or for lease/rental purposes.
  2. Apartments/Residential Units: Multi-story residential living spaces.
  3. Shophouses (Ruko): Combined commercial and residential properties o

What is the maximum loan limit I can apply for through Livin’ KPR?

Financing up to IDR 25 Billion.

What is the maximum loan tenure I can apply for through Livin’ KPR?

  • Residential Houses/Shophouses Maximum 30 years.
  • Apartments Maximum 15 years.

Can I apply for a KPR through Livin’ using Joint Income?

KPR applications through the Livin’ by Mandiri app can be processed using Joint Income. Following the application, customers will receive personalized assistance from a Bank Mandiri representative throughout the process.

What are the Required Documents for a KPR Application via Livin’ by Mandiri?

Required Documents for KPR Application via Livin’ by Mandiri as follows:

  • Spouse’s ID Card (e-KTP) – if married
  • House Booking Form/SPR: (For New Booking Primary applications, this is optional and may be submitted after the initial Livin’ KPR application has been completed by the Customer)

Other documents to be prepared after credit approval include:

a. Personal Documents:

  • Applicant’s ID Card (e-KTP): The primary borrower's identity card.
  • Spouse’s ID Card (e-KTP): Required if married.
  • NPWP: Taxpayer Identification Number.
  • Family Card (Kartu Keluarga): To verify household composition.
  • Marriage Certificate/Divorce Decree: Required if married or divorced.

b. Income Documents: Payslips/Bank Statements/Transaction History for the last 3 months/Other Income Documents

c. Collateral Documents:

  • House Booking Form (SPR), for New Booking – Primary
  • Property Certificate (Copy of SHM/SHGB/SHMSRS)
  • Building Permit (IMB/PBG)
  • Land and Building Tax (PBB), latest tax receipt

How is the Processing Branch for KPR Applications Determined?

KPR applications will be processed at the Bank Mandiri Consumer Loan Area, which is determined based on the customer's preference selected in the 'Processing Branch' (Cabang Pemroses) field while completing the KPR application form.

What is a Maximum Limit Offer?

The Maximum Limit Offer is the credit limit available to customers after completing the "Screening Form" in Livin’ KPR.

  • This limit can be used by customers as a price reference for the property they intend to purchase
  • The displayed limit is not a final limit, as the calculation is based on the best interest rates and tenors available to the customer.
  • Applications exceeding the Maximum Limit are still possible, subject to additional verification.
  • The final limit is subject to change based on the appraised value of the purchased collateral and other credit calculations.

What is the KPR Application Procedure in Livin’?

  1. Customers click the 'Start KPR Application' button on the Livin’ KPR page. They will then need to fill out the 'Screening Form' by completing the required data:
    • Select loan type
    • Employment details
    • Marital status
      • For married customers without a separate property agreement, an e-KTP of the spouse must be provided via upload.
      • The system will automatically fill in the NIK, name, place and date of birth, and the spouse's address.
    • Number of Dependents

    The customer then selects the 'Submit' button to proceed.

  2. Subsequently, the customer will be presented with the 'Maximum Limit Offer' details via Livin’ by Mandiri.
  3. Upon a successful screening result, the customer shall complete the KPR application form as follows:
    • Credit Application Information
    • Application Details;
    • Domicile Information;
    • Employment Information;
    • The customer selects the 'Submit Application Data' button in order to proceed to the next stage of the KPR application.
  4. Subsequently, the Bank will proceed with the verification of the KPR application.
    • If the customer has uploaded the required collateral documentation, the Bank will proceed with the immediate verification of the KPR application.
    • In the event that the collateral documents have not been uploaded, the Bank will get in touch with the customer to finalize the documents through channels outside the Livin’ by Mandiri application.
  5. The customer will be notified of the KPR approval or rejection status via Livin’ by Mandiri.
  6. Upon approval of the KPR application, the customer will be contacted by a Bank Mandiri officer to finalize the information regarding the credit contract or the signing of the Credit Agreement.

How can I monitor the progress of my KPR application status via Livin’ by Mandiri?

Customers will be notified that their KPR application has been successfully submitted and can track its progress through the Inbox in Livin’ by Mandiri or the Status Menu on the Livin’ KPR page.

What is the next step after receiving KPR approval in Livin'?

Once customers receive their KPR approval—which can be accessed via Livin’ by Mandiri—they will be contacted to the mobile number registered on Livin' by Mandiri by a bank representative, and the KPR process will be assisted by the Consumer Loan Area team.