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2026-07-21

Know KPR iB Hijrah Baitullah: A Sharia Home Financing Solution with Hajj or Umrah Rewards

Owning a comfortable home while fulfilling the dream of performing Hajj or Umrah is a lifelong aspiration for many Muslim families. However, achieving both goals often requires careful financial planning, causing many people to postpone one dream in favor of the other.

 

Through KPR iB Hijrah Baitullah, Bank Muamalat offers a home financing solution that not only helps you own your dream home but also provides added value through rewards that support your journey to the Holy Land.

 

The growing interest in this product is reflected in its remarkable performance throughout 2025. KPR iB Hijrah Baitullah financing increased 17-fold compared to the previous year, while the number of accounts grew 23-fold. These figures demonstrate that more people are choosing Sharia-compliant home financing that offers meaningful benefits beyond homeownership.

 

What Is KPR iB Hijrah Baitullah?

KPR iB Hijrah Baitullah is a home financing product from Bank Muamalat designed to help customers own a home while receiving rewards in accordance with the applicable program terms.

Unlike conventional home financing, KPR iB Hijrah Baitullah offers a selection of rewards, including:

  • Hajj registration quota
  • Umrah package
  • Gold bullion
  • Mosque waqf
  • Halal travel package

This means you can achieve your dream of owning a home while also taking meaningful steps toward fulfilling the fifth pillar of Islam by preparing for your journey to Baitullah.

 
Why Is KPR iB Hijrah Baitullah Becoming More Popular?

Owning a home is one of the most important milestones for every family. At the same time, the increasing waiting period for Hajj has encouraged many Muslims to register as early as possible.

KPR iB Hijrah Baitullah brings these two important goals together in a single financing solution. Besides purchasing a home, customers also receive additional benefits that can support their Hajj or Umrah plans.

 
Key Benefits of KPR iB Hijrah Baitullah
1. Rewards That Support Your Journey to the Holy Land

One of the biggest advantages of KPR iB Hijrah Baitullah is the opportunity to receive rewards based on the program's terms and conditions. Eligible rewards include:

  • Hajj registration quota
  • Umrah package
  • Gold bullion
  • Mosque waqf
  • Halal travel package

These rewards are provided without a lottery system, giving customers added value while planning for the future.

2. Financing Tenor of Up to 25 Years

Bank Muamalat offers financing terms of up to 25 years, allowing customers to choose installments that fit their financial capacity.

Customers can also select from different installment schemes, including:

  • Fixed installments
  • Step-up installments

This flexibility helps customers build a long-term financial plan with greater confidence and convenience.

3. Flexible Financing for Various Property Needs

KPR iB Hijrah Baitullah can be used for a variety of financing purposes, including:

  • Purchasing a new home
  • Purchasing a pre-owned home
  • Financing takeover
  • Takeover with top-up financing
  • Top-up financing
  • Refinancing

With these options, the product offers a comprehensive solution for a wide range of property financing needs.

4. Attractive Takeover Program

For customers who wish to transfer their existing home financing from another bank to Bank Muamalat, a special takeover program is available with various benefits, including free appraisal fees, subject to the applicable terms and conditions.

This program gives customers the opportunity to switch to Sharia-compliant financing through a more efficient process.

 
Who Is KPR iB Hijrah Baitullah Suitable For?

This product is ideal for those who:

  • Are purchasing their first home
  • Want to own a home that better suits their family's needs
  • Plan to register for Hajj as early as possible
  • Intend to perform Umrah within the next few years
  • Wish to transfer their home financing to Bank Muamalat
  • Prefer Sharia-compliant home financing
 
How to Apply for KPR iB Hijrah Baitullah

To apply for KPR iB Hijrah Baitullah, simply follow these steps:

  1. Prepare the required documents.
  2. Submit your financing application at a Bank Muamalat branch.
  3. Bank Muamalat will conduct a verification and financing assessment.
  4. Once approved, the financing agreement will be executed in accordance with Sharia principles.
  5. Enjoy your home financing along with the program rewards, subject to the applicable terms and conditions.
 
Tips Before Applying for Home Financing

Before applying for home financing, make sure you:

  • Calculate your monthly repayment capacity.
  • Prepare funds for the down payment and other related expenses.
  • Choose a financing tenor that matches your financial situation.
  • Complete all required documents to ensure a smooth application process.
  • Select a home that fits your family's current and future needs.

Careful financial planning will help you own your home comfortably while maintaining healthy finances.

 
Frequently Asked Questions About KPR iB Hijrah Baitullah
 
What is KPR iB Hijrah Baitullah?

KPR iB Hijrah Baitullah is Bank Muamalat's home financing product that offers eligible customers rewards under the program, such as a Hajj registration quota, an Umrah package, gold bullion, mosque waqf, or a halal travel package.

 
What financing contract does it use?

KPR iB Hijrah Baitullah uses the Musyarakah Mutanaqisah (MMQ) contract, which complies with Sharia principles.

 
What is the maximum financing tenor?

Customers can choose a financing tenor of up to 25 years, subject to Bank Muamalat's financing assessment and applicable requirements.

 
Can KPR iB Hijrah Baitullah be used for a financing takeover?

Yes. This product can be used to transfer home financing from another bank, including special takeover promotions that may be available under the applicable terms and conditions.

 
How do I apply for KPR iB Hijrah Baitullah?

Applications can be submitted through any Bank Muamalat branch.

 
Own Your Dream Home While Preparing for the Holy Land

A comfortable home provides a strong foundation for every family. At the same time, preparing early for Hajj or Umrah is a wise decision as demand continues to grow and waiting periods become longer.

Through KPR iB Hijrah Baitullah, Bank Muamalat offers a Sharia-compliant financing solution that brings these two important goals together. With non-lottery rewards, financing tenors of up to 25 years, and flexible options for various property financing needs, you can move one step closer to owning your dream home while planning your journey to the Holy Land with greater peace of mind.

 

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