Kredit Kepemilikan Rumah
Kredit Kepemilikan Rumah 2025
Mandiri KPR
Mandiri KPR is a mortgage product by Bank Mandiri for individual customers to help them in the house/apartment/ruko/rukan finance purchasing, through a developer or non-developer.
KPR CALCULATORMandiri KPR Features
1.Mandiri KPR (New Booking)
A credit facility for house/apartment/ruko/rukan purchasing new or second. The purchasing can be through a developer or non-developer.
3.Mandiri KPR Top Up
An additional credit limit for your existing mortgage loan that already running for one year, with a good collectability scores for an occurrence of 6 months. You can use this additional limit for various needs.
2.Mandiri KPR Take Over
Taking over a mortgage credit facility from other banks, with the maximum credit limit of the remaining loans from the origin bank, or with the new additional limit according to the bank calculations. So, you can use this new additional limit for various needs.
Benefits
- Competitive interest rate
- Easy and quick process from the start
- Down payment start from 0%
- Eligible for joint income
- Up to 30 years tenor for house purchasing and 15 years for apartment/ruko/rukan purchasing
- Cooperate with more than a hundreds reputable developers and brokers around Indonesia
What’s the risk of a Mortgage?
Several risks that could happen for Mandiri KPR:
- Changing economics and politics situation risk
- Liquidity risk
- 3rd party default risk
- Changing laws and regulations risk
- Force Majore risk (natural disasters/extraordinary events)
- Other risks stated on the Syarat-Syarat Umum Perjanjian Kredit Konsumtif (SUKK)
Mortgage Interest Rates
Further info about current mortgage interest rates, visit bmri.id/kprbungaspesial
Program Period
- The interest rates of this program valid until disbursement date of 31 December 2025.
Terms and Conditions
- Indonesian citizenship (WNI) and live in Indonesia
- Min. age of 21 years or have been married, max. age of 55 years (employee) or 60 years (professional/self employed) at the end of credit
-
Employee conditions:
- Permanent employee in the existing company.
- 3 months minimum of work experience (including previous work experience before permanent employee status) in the existing company.
-
Professional or self employed conditions:
- Min. 2 years occurrence of experience (proved by business/practice license).
- Income that can be proved and verified.
- Min. income /Month.
Job Category Regions of Jakarta, Bekasi, dan Kab. Karawang Regions of Bogor, Depok, Tangerang dan Surabaya Other Regions Payroll1) Rp5 million Rp4,5 million Rp4 million Non Payroll2) Profesional Rp5 million Self Employee 1)Employees whose salaries are disbursed through Bank Mandiri.
2)Employees whose salaries are not disbursed through Bank Mandiri.
- Document requirements
| No | Document | Employee | Professional | Self Employed |
|---|---|---|---|---|
| 1 | Application document fill up complete and correct | ✔ | ✔ | ✔ |
| 2 | Copy of KTP applicant & spouse | ✔ | ✔ | ✔ |
| 3 | Copy of Married/Divorced Certificate (whom married/divorced) | ✔ | ✔ | ✔ |
| 4 | Copy of Kartu Keluarga | ✔ | ✔ | ✔ |
| 5 | Copy of checking account/savings from 3 months ago | ✔ | ✔ | ✔ |
| 6 | Copy of NPWP | ✔ | ✔ | ✔ |
| 7 | Original of latest salary slip/income letter and employement letter | ✔ | ||
| 8 | Copy of company financial statement (profit and loss balance) | ✔ | ||
| 9 | Copy of company deed and business license permit | ✔ | ||
| 10 | Copy of license permit professions | ✔ | ||
| 11 | Copy of collateral ownership SHM/SHGB, IMB/PBG & PBB | ✔ | ✔ | ✔ |
Fees
- Provition
- Admin
- Insurance (life and loss)
- Binding of Collateral
- Collateral Assessment
- Notary
- Change ownership fee
Mandiri KPR Multiguna Top Up
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Mandiri KPR/Multiguna Top Up
Bank Mandiri hadir memberikan solusi kepada debitur eksisting KPR/Multiguna untuk dapat melakukan penambahan limit kredit (Top Up) atas fasilitas yang telah berjalan untuk pemenuhan kebutuhan lainnya.
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