About Muamalat
About Muamalat
News
2025-01-07

KPR HIJRAH BAITULLAH Q1 2025

 

Program Name

:

KPR HIJRAH BAITULLAH

Period

:

January 2nd, 2025 – Maret 31st, 2025

Description

 

:

  • 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 5,88% 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

Targeted Segment

:

New To Bank & Existing To Bank

Terms and Condition

:

  • Financing purposes for house purchase, take over / take over plus top up, top up and refinancing
  • Plafond limit up to Rp 5 Bio
  • Reward option for hajj portion / umroh up to 4 pax according to requirement, eligible for family to participate
  • Available for all Bank Muamalat branches

Information/Help

 

:

Bank Muamalat branches /

SalaMuamalat 1500016

 
Q&A Program

No.

Questions and Answers

1.

What is KPR Hijrah Baitullah?

Mortgage financing 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)

•       > 500 Mio  - 1,5 Bio   = reward equal to 30 Mio include tax

•       > 1,5 Mio - 2,5 Bio     =  reward equal to 60 Mio include tax

•       > 2,5 Mio - 3,5 Bio    = reward equal to 90 Mio include tax

•       > 3,5 Mio - 5 Bio       = reward equal to 120 Mio include tax

 

Another reward options are 15 gr gold on plafond up from Rp 500 Mio AND 5 gr gold on plafond start Rp 300 - Rp 500 Mio

2.

What’s the interesting promo from KPR Hijrah Baitullah?

  • 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 5,88% 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 Rp 300 Mio

Maximum limit plafond up to Rp 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 12th 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 18th 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.

 

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