# Kredit Kepemilikan Rumah

# Mandiri KPR

Mandiri KPR is a housing loan program from Bank Mandiri that provides you with the opportunity to purchase your own house, apartment, shophouse or combined house and office, whether purchased through a developer or by private sale.

## Mandiri KPR Options

Mandiri KPR comes in a variety of options to suit your every need :

1. Mandiri KPR Take Over
   is a Mandiri KPR facility that allows you to transfer a loan facility of the same or similar type from another bank to Bank Mandiri, and to access additional funds in line with your needs.
2. Mandiri KPR Top Up
   Is a Mandiri KPR facility that allows you to borrow additional funds on an existing Mandiri KPR facility that has been running for minimum 1 (one) year with current collectability status in the last 6 (six) years, that can be used to fulfil other needs.
3. Mandiri KPR Duo
   is a Mandiri KPR facility that allows you to purchase a house, apartment or shophouse from a developer, together with a car, motorcycle, furniture or home appliances.
4. Mandiri KPR Flexible
   is a Mandiri KPR facility that allows you to purchase a house, shophouse, combined house and office or apartment based on flexible repayments from a flexible (revolving) account on an agreed portion of the overall loan for a certain period to ease Your cash-flow.
5. Mandiri KPR Angsuran Berjenjang
   is a Mandiri KPR facility that allows You to enjoy a "grace period" within Your credit structure by which You will only have to pay certain amount of the principal for the first three years of the loan's term. At the 4th year of the term the loan installments will return to normal

## Benefits of Mandiri KPR

1. Competitive interest rates
2. Fast and easy process
3. Easy down-payment
4. Flexible loan terms up to 20 years
5. Bank Mandiri is in partnership with more than 900 Property Developers throughout Indonesia, many of which offer a lot of attractive property purchasing programs

## Requirements for Application for Mandiri KPR/Mandiri Multiguna

- Indonesian citizen living in Indonesia
- Minimum age of 21 and maximum of 55 at the end of the loan term for employees and 60 for professional/self-employees
- Permanent employment and regular income as permanent employee or professional/self-employees, with a minimum period of 1 year employment for employees, and 2 years in business for professional/self-employees
- Required Documents :

  No | Documents | Employee | Professional | Self Employee
  1. | Original, fully completed application form | ✔ | ✔ | ✔
  2. | Copy of ID Card of applicant and applicant's spouse | ✔ | ✔ | ✔
  3. | Copy of marriage/divorce certificate (if married /divorced) | ✔ | ✔ | ✔
  4. | Copy of Family Registration Card | ✔ | ✔ | ✔
  5. | Copies of Bank Statement / savings account statement for the last 3 months | ✔ | ✔ | ✔
  6. | Copy of NPWP (Taxpayer Registration Number) | ✔ | ✔ | ✔
  7. | Most recent pay slip / Declaration of Earnings and letter confirming position/job | ✔ |  |
  8. | Copy of most recent balance sheet and statement of earnings |  | ✔ | ✔
  9. | Copy of company deed of establishment and business licenses |  |  | ✔
  10. | Copy of professional practice certificate |  | ✔ |
  11. | Copy of documents proving ownership of collateral: SHM/SHGB, IMB & PBB | ✔ | ✔ | ✔

## Interest Rates

Mandiri KPR | Interest Rate
Existing | 13.25% p.a eff (floating)

## Fees

- Commision
- Administrative fee
- Insurance premiums (life and loss)
- Appraisal fee

- Notarial fee
- Certificate title transfer fee
- Pledge of collateral aggreement

For Mandiri KPR calculator, please click here.

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