Citizenship

Indonesia

Customer Age

• Minimum 21 Years
• Maximum 55 years or age adjusts retirement period prospective customers works on at the end of financing

• Minimum 21 Years 
• Maximum 70 years at maturity of financing

Gradually all Indonesia

5, 10, 25, 50 and 100 gr

Tenor

12 months - 120 months

Margin

Starting from 9%

Length of Work / Business

Minimum 3 months

Financing Limit

Gold Installment financing amount is 5 grams  and  maximum 500 grams  per Customer

Note :

1. Financing limit according to gold price;
2. The amount of financing provided depends on the results of the financing calculation, after taking into Down Payment

Minimum Income (THP)

Minimum IDR 1,500,000

Down Payment

Requirements Money Down Payment per Submission of:

• DP 0% : will be applied  to  Employees of Muamalat  Bank as financing Gold Ownership Program
• DP min 15% : payroll Customer
• DP min 20% : Non Payroll Customer

Contract

• Sharia Contract : Murabahah Without Wakalah 
• Guarantee Agreement : Pawn Contract

Life Insurance

Questions

Answers

A.     Criteria  General

1

  What is Solusi Emas  Hijrah?

Solusi Emas Hijrah  is  product  financing  where Bank  provides facilities financing  to  Customers  to  performs purchase Antam precious metals with Murabahah contract, how is paid in installments.  Antam precious metals will placed in mastery of  and  security Bank  as  Collateral  to  with  financing declared paid off by Bank. 

2

Financing Term of Solusi Emas Hijrah?

12 – 120 month (multiples of 12 months)

3

Financing Limit of Solusi Emas Hijrah?

• Minimum Precious Metal 5 grams
• Maximum Precious Metal 500 grams for each customer

4

What is ype of gold financed?

By 24 carat Precious Metal produced and certified by PT. Antam (certicard gold type)

5

Is Solusi Emas Hijrah in accordance with sharia principles?

This product is in accordance with Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 About Murabahah.

This product has also been reviewed and received approval from the Sharia Supervisory Board of Bank Muamalat. 

6

Where is Financing coverage area of

Solusi Emas Hijrah?

All over Indonesia, Gradual implementation

7

What is the contract of Solusi Emas Hijrah?

1. Financing Agreement uses a murabahah contract
2. Pawn Agreement for gold collateral storage

8

What benefits do I get for Solusi Emas Hijrah?

1. Gold as one of investment instruments which I can reduce the impact inflation for
2. Bank Muamalat collaborates with ANTAM, the largest gold supplier in Indonesia
3. Gold  can and  use as planning future needs such as Hajj & Umrah costs, children's education costs, retirement planning and making other dreams come true

9

What are the benefits of  Solusi Emas Hijrah Financing at Muamalat Bank

1. In accordance with sharia principles   
2. Solusi Emas Hijrah at Bank Muamalat uses a murabahah contract, where the selling value is determined by Bank
3. Small Down Payment and Installments up to 60 months
4. Easy application process and fast process at the same day after completed documents are received and Mr./Mrs. prepares the funds that need sright time

Document requirements are very easy, just photocopy of resident identity (KTP) and tax card (NPWP = if the application is more than IDR 50 million) 

10

Where is Gold Collateral stored? 

Collateral will be stored at Hasanah Muamalat Bank Head Office (Muamalat Tower) or designated branch office

11

Is there a DP (Down Payment) fo Solusi Emas Hijrah?

Yes, there is. Starting from 15% 

12

Can the down payment be paid in installments? 

No.  If the DP is paid in installments, the customer can only get financing facilities after the DP has been fulfilled according to the latest gold price calculations. 

13

Is Gold financed by in- insurance cover?

cover  by Gold In Safe (GIS) and Gold In Transit (GIT)

14

There is life insurance for customers?

Opsional

15

Is customer can make accelerated repayment?

Yes. Customer can make accelerated repayment

16

Is customer can make accelerated repayment using the proceeds from the sale of collateralized gold?

Can not. Accelerated repayment is only permitted from the Customer's personal funds. 

17

What is the Solusi Emas Hijrah installment scheme?

The installment scheme is effectively decreasing

18

What are the requirements for applying Solusi Emas Hijrah financing?

 Employee, Enterpreneur, or Professional

19

Are customers required to provide income documents?

Not mandatory

20

What are the requirements for applying Solusi Emas Hijrah financing?

1. Have a job as employee, Enterpreneur, or Professional
2. Has a minimum income of IDR 1.5 million

Submit documents for the financing process, resident identity (KTP) and tax card (NPWP = if the application is more than IDR 50 million) 

21

If I have completed the financing, can I take the collateral?

Yes, you can collect the Collateral at the HUB Muamalat Bank

22

Can the Collateral be kept by the Bank after the financing is completed?

No, the customer must immediately take it within 30 days after the financing facility is completed.