Affordable Sharia Mortgage for Young Couples

Today’s Millennials and Gen Z are no longer just exploring their identities. Many are already building families, advancing in their careers, and setting serious financial priorities. One of the most common goals among them is owning a home.

A house today is more than a place to live. It represents stability, a long-term investment, and a major life achievement. However, rising property prices, uncertain economic conditions, and concerns about conventional mortgage systems that don’t align with Islamic principles can make this goal more complicated.

That’s where KPR iB Hijrah (iB Hijrah Mortgage) from Bank Muamalat comes in. It offers a sharia-compliant, financially responsible solution for first-time homebuyers looking for peace of mind and long-term security.

Why KPR iB Hijrah Is the Right Choice for Millennial and Gen Z Families

1. Financing Based on Sharia Principles

Today’s young couples are more mindful about choosing financial products, especially when it comes to large commitments like home ownership. KPR iB Hijrah follows Islamic contracts such as:

Murabahah, a transparent cost-plus sale agreement with a fixed profit margin agreed upon upfront
Musyarakah Mutanaqisah, a partnership where the buyer gradually acquires full ownership

These contracts are free from riba (interest), gharar (uncertainty), and maysir (speculation). This provides both peace of mind and financial clarity. Customers know their monthly payments from the start, with no risk of sudden rate increases.

2. Fixed Installments for Better Financial Planning

One of the biggest issues with conventional mortgages is fluctuating interest rates, which can disrupt household budgets. KPR iB Hijrah offers fixed monthly installments, helping families manage their finances with more certainty and less stress.

3. Flexible Tenure of Up to 25 Years

Every family has different financial goals and capabilities. Some prefer lighter monthly payments over a longer period, while others aim to repay their mortgage sooner. KPR iB Hijrah offers loan terms of up to 25 years, allowing you to choose a plan that fits your needs.

4. Suitable for Various Property Types

This mortgage solution isn’t limited to new homes from developers. KPR iB Hijrah can also be used for:

Purchasing pre-owned homes
Transferring existing mortgages from other banks
Refinancing an owned property
Buying apartments, shop houses, or ready-to-build land

This flexibility helps families find the right home based on their lifestyle and long-term plans.

5. Simple and Professional Application Process

Bank Muamalat, Indonesia’s first Islamic bank, has built a strong reputation for trustworthy and professional service. The KPR application process is transparent, efficient, and guided by experienced financing teams from start to finish. Required documents are simple, and applications can be made through branches or digital channels.

6. Fully Legal and Sharia-Compliant

Bank Muamalat is licensed and supervised by the Financial Services Authority (OJK) and guided by an independent Sharia Supervisory Board. Every product and process is both legally sound and aligned with Islamic ethics.

7. Flexible Financing Based on Your Needs

With financing amounts starting from Rp100 million up to several billion rupiah, KPR iB Hijrah can meet a wide range of needs. Whether you're buying your first home, upgrading to a larger property, or investing in real estate, there’s a suitable option for you.

Who Can Apply?

KPR iB Hijrah is available for:

Permanent employees with at least one year of work experience
Contract employees with at least two years of work experience
Business owners or professionals with a minimum of two years of business activity
Married couples or established families with a steady income

General document requirements include:

KTP and NPWP
Salary slips or business financial records
Bank statements from the past three months
Marriage certificate (if married)
Property documents (certificate, IMB, land and building tax)

When Should You Apply?

The best time to apply is now. The sooner you start the process, the sooner you can begin building equity in your own home. Property prices tend to increase over time, and waiting may lead to higher costs in the future.

With KPR iB Hijrah, you can take the first step toward securing a comfortable, stable, and blessed future for your family.

Ready to Own a Home That Aligns with Your Values?

Home ownership isn't just about location or layout. It's also about how you finance it. KPR iB Hijrah from Bank Muamalat helps Millennial and Gen Z families own a home in a way that’s secure, transparent, and aligned with Islamic principles.

Apply now at

Affordable Sharia Mortgage for Young Couples

Why KPR iB Hijrah Is the Right Choice for Millennial and Gen Z Families

Who Can Apply?

When Should You Apply?

Ready to Own a Home That Aligns with Your Values?

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