Freedom to Choose Your Home, with Affordable and Sharia-Compliant Financing

August holds a special place in the hearts of Indonesians. Every Independence Day, we are reminded of the true meaning of freedom, freedom to shape our own path, freedom from limitations, and freedom to turn dreams into reality.

For many, one of the biggest dreams is owning a home–a safe and comfortable space to call your own–where your family’s memories can grow. Yet, some are still stuck in annual rental contracts that drain savings or are forced to move when the lease ends.

Now, you can break free from rental agreements and start building your future with your own home through KPR iB Hijrah from Bank Muamalat, a home financing solution that gives you the freedom to choose your property, enjoy light installments, and stay true to Sharia principles.

A More Blessed Path to Home Ownership

Unlike conventional mortgages, KPR iB Hijrah is based on Sharia-compliant contracts such as murabahah (sale and purchase) or musyarakah mutanaqisah (diminishing partnership). This ensures that every step of the process avoids transactions that go against Islamic principles.

With these contracts, the home price and monthly installments are agreed upon from the very beginning. There are no hidden fees or sudden changes to your payments along the way. This means better financial planning, peace of mind, and the assurance that your financing is halal and transparent.

Key Benefits of KPR iB Hijrah Bank Muamalat

Freedom to Choose Your Home
Whether it’s a brand-new house, a pre-owned home, an apartment, or even a shop-house (ruko) for your business, you have full freedom to choose the property that suits your needs, location included, as long as it meets financing requirements.
Sharia-Compliant Contracts
Using murabahah or musyarakah mutanaqisah contracts approved by the Dewan Pengawas Syariah (Sharia Supervisory Board), ensuring your transaction aligns with Islamic values.
Flexible Tenor Up to 25 Years
Adjust your repayment period according to your financial capacity, whether you want to settle quickly or prefer smaller, more manageable installments.
Fast and Simple Process
With clear documentation requirements and a dedicated team ready to assist from application to contract signing, your journey to home ownership becomes smoother.
No Early Settlement Penalty
If you receive extra income and want to pay off your financing earlier, you can do so without any penalty or hidden charge.

Taking Real Steps Toward Your Dream Home

Many delay buying a home out of fear they won’t be able to keep up with the installments. But with property prices rising almost every year, waiting often means your dream home moves further out of reach.

With KPR iB Hijrah, you can lock in today’s price and pay in light installments based on the initial agreement. This gives you two major advantages:

Avoid future property price increases
Own an asset that grows in value over time

This means no more worrying about expiring rental contracts, no more stressful moving, and your children can grow up in the same familiar neighborhood. All of it starts with the decision to free yourself from renting.

FAQ: KPR iB Hijrah Bank Muamalat

Is KPR iB Hijrah only for new houses?
No. You can use it to buy new homes, pre-owned homes, apartments, shop-houses, or even take over an existing mortgage from another bank.
What’s the maximum tenor?
The repayment period is flexible, with a maximum of up to 25 years.
Is KPR iB Hijrah regulated and supervised?
Yes. All Bank Muamalat products are regulated by the Otoritas Jasa Keuangan (OJK) and supervised by the Dewan Pengawas Syariah (DPS).

The Right Moment to Take Action

True independence isn’t just about freedom of speech or expression, it’s also about having the freedom to choose the life you want. That includes owning the home you love, in the location you desire, with a financing scheme that gives you peace of mind.

This Independence Month, take the first step toward your dream home. With KPR iB Hijrah Bank Muamalat, you’re not just buying a house, you’re building a stable, blessed future.

Apply now and turn your dream into reality!