KPR HIJRAH BAITULLAH PRICING SPESIAL MILAD 33

Programme Name	:	KPR HIJRAH BAITULLAH PRICING SPESIAL MILAD 33
Period	:	May 2nd, 2025 – July 31st, 2025
Description	:	Easy & fixed installment Long tenor up to 25 years Flexible financing purposes (house purchase, take over and refinancing) Plafond IDR 300 mio – IDR 500 mio gets a prize of 5 grams of precious metal equivalent to IDR 10 mio including tax Plafond > IDR 500 mio* gets a prize of savings for Hajj/Umrah/mosque endowment/halal tourism according to tiering* Plafond > IDR 500 mio gets the option of a prize of 15 grams of precious metal equivalent to IDR 25 mio including tax Financing fee can be included to plafond Special margin equal to 5,33% fixed for 2 year p.a. Reward after 18 month of smooth installments Without voting
Targeted Segment	:	New To Bank & Existing To Bank
Terms and Condition	:	Plafond limit up to IDR 5 Bio For reward option for hajj portion / umroh up to 4 pax according to requirement, eligible for family to participateFinancing purposes for house purchase, take over / take over plus top up and refinancing Available for all Bank Muamalat branches
Information/Help	:	Bank Muamalat branches / SalaMuamalat 1500016

No.	Questions and Answers
1.	*What is KPR Hijrah Baitullah Pricing Special MILAD 33 ?* Mortgage financing with pricing 5,33% fixed for 2 years and reward programme for hajj portion / umroh/ wakaf for mosque/ halal tour in amount of Rp 30 Mio (include taxes) & applies multiply based on tiering plafond up from Rp 500 Mio (maximum up to 4 hajj portion/umroh) > IDR 500 Mio - IDR 1,5 Bio = reward equal to 30 Mio include tax > IDR 1,5 Mio - IDR 2,5 Bio = reward equal to 60 Mio include tax > IDR 2,5 Mio - IDR 3,5 Bio = reward equal to 90 Mio include tax > IDR 3,5 Mio - IDR 5 Bio = reward equal to 120 Mio include tax Another reward options are 15 gr gold on plafond up from IDR 500 Mio AND 5 gr gold on plafond start IDR 300 Mio - Rp 500 Mio
2.	*What’s the interesting promo from KPR Hijrah Baitullah Pricing MILAD 33 ?* Easy & fixed installment Long tenor up to 25 years Flexible financing purposes (house purchase, take over, top up and refinancing) Financing fee can be included to plafond Special margin equal to 5,33% fixed for 2 year or 9,25% fixed for 10 years p.a. Reward hajj portion or umroh for family (up to 4 pax) after 18 month installment Another reward options are Wakaf for mosque, Halal Tour, Gold Without voting
3.	*What does the programme applies to?* New / second house purchase Top Up Take Over / Take Over Plus Top Refinancing
4.	*Does this programme have a quota? If so, what happen if the customer wants to apply but the quota runs out?* There’s a quota, if the quota runs out then customers will be notified further regarding the extension
5.	*Does this programme applied / available at all Bank Muamalat branches?* This programme applied / available at all Bank Muamalat branches
6.	*How much minimum and maximum plafond limit that can be applied?* Minimum limit plafond from IDR 300 Mio Maximum limit plafond up to IDR 5 Bio
7.	*Does KPR Hijrah Baitullah programme have a minimum and maximum term of financing?* Minimum tenor is 3 years and maximum tenor up to 25 years, depends to pricing scheme
8.	*Does customer needs to create saving account for hajj in Bank Muamalat?* Yes, customer needs to create saving account for hajj in Bank Muamalat before signing financing agreement to accommodate reward funds based on tiering plafond
9.	*What’s if customer late on paying their installment in 12^th month, does the customer not eligible for the reward?* True, reward will be pulled back to Bank from the hajj/umroh saving account if customer’s late on paying their installment before 18^th month.
10.	*If customer paid the installment for 18 months and there’s no late payment, does the customer will automatically registered by Bank Muamalat for hajj portion?* If already eligible, Bank Muamalat’s team will assist the registration for hajj portion by providing information to customer at first.

KPR HIJRAH BAITULLAH PRICING SPESIAL MILAD 33

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