# Kredit Multiguna

# Mandiri KPR Multiguna

## Mandiri Multiguna

Mandiri Multiguna is a consumptive credit and use property as collateral that provided to individual to fulfil consumptive needs.

## Mandiri Multiguna Options

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

1. Mandiri KPR Multiguna Take Over
   is a Mandiri Multiguna 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 Multiguna Top Up
   Is a Mandiri Multiguna facility that allows you to borrow additional funds on an existing Mandiri Multiguna facility that has been running within a certain time.

## Benefits of Mandiri Multiguna

1. Competitive interest rates
2. Fast and easy process
3. Easy down-payment
4. Flexible loan terms up to 10 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 Multiguna | Interest Rate
Existing | 14.25% 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

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