About Muamalat
About Muamalat
News
2024-07-19

KPR Hijrah Baitullah

 
 
 
 
 
 
 

Programme Name

:

KPR HIJRAH BAITULLAH

Period

:

July 1st, 2024 – September 30th, 2024

Description

 

:


  • Easy & fixed installment
  • Long tenor up to 25 years
  • Flexible financing purposes (house purchase, take over and refinancing)
  • Plafond start from Rp 500 Mio
  • Financing fee can be included to plafond
  • Special margin equal to 5,79% fixed for 1 year or 6,79% fixed for 3 years p.a.
  • Reward hajj portion or umroh for family (up to 4 pax) after 18 month installment
  • 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 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

 
 

No.

Questions and answers

1.

What is KPR Hijrah Baitullah?

Mortgage financing reward programme for hajj portion / umroh in amount of Rp 30 Mio (include taxes) & applies multiply based on tiering plafond start from Rp 500 Mio (maximum up to 4 hajj portion/umroh)

  • 500 jt  - 1,5 M   = reward equal to 30 Mio include tax ( 1 hajj portion or umroh )
  • > 1,5 M - 2,5 M  =  reward equal to 60 Mio include tax ( 2 hajj portion or umroh )
  • > 2,5 M - 3,5 M  = reward equal to 90 Mio include tax ( 3 hajj portion or umroh )
  • > 3,5 M - 5 M     = reward equal to 120 Mio include tax ( 4 hajj portion or umroh )

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 and refinancing)
  • Plafond start from Rp 500 Mio
  • Financing fee can be included to plafond
  • Special margin equal to 5,79% fixed for 1 year or 6,79% fixed for 3 years p.a.
  • Reward hajj portion or umroh for family (up to 4 pax) after 18 month installment
  • 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 500 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.

 
 
 
 
 
 
 

Nama Program

:

KPR HIJRAH BAITULLAH

Periode

:

1 September  – 31 Desember 2023

Deskripsi

 

:

  • Tenor panjang hingga 20 tahun
  • Tujuan pembiayaan fleksibel ( pembelian, take over dan refinancing)
  • DP Ringan mulai dari 0%
  • Biaya bisa masuk plafond pembiayaan
  • Special margin mulai dari 6.99% fixed 2 tahun
  • Angsuran ringan & pasti
  • Pilihan ibadah haji atau umroh sekeluarga setelah 6 bulan angsuran
  • Tanpa diundi

Target Segmen

:

Nasabah Baru & Nasabah Eksisting

Syarat & Ketentuan

 

:

  • Tujuan pembelian rumah,Take Over / Take over plus top up dan refinancing
  • Minimum tenor 3 tahun , maksimum tenor 20 tahun
  • Limit pembiayaan s.d Rp 5 Miliar
  • Pilihan porsi haji dapat di spilt maksimal untuk 4 orang sesuai kebutuhan sehingga bisa berangkat sekeluarga
  • Berlaku di seluruh Cabang Bank Muamalat

Informasi/ Bantuan

 

:

Kantor Cabang Bank Muamalat /

SalaMuamalat 1500016

 
FAQ

No.

Pertanyaan dan Jawaban

1.

Apa itu KPR Hijrah Baitullah?

Program mengangsur KPR sekaligus menabung porsi haji/umroh sebesar Rp 25 juta & berlaku sesuai kelipatan plafond pembiayaan Rp 1 Miliar (maksimal 4 porsi haji)

2.

Apakah promo menarik KPR Hijrah Baitullah?

  • Tenor panjang hingga 20 tahun
  • Tujuan pembiayaan fleksibel ( pembelian, take over dan refinancing)
  • DP Ringan mulai dari 0%
  • Biaya bisa masuk plafond pembiayaan
  • Special margin mulai dari 6.99% fixed 2 tahun
  • Angsuran ringan & pasti
  • Bebas pilih ibadah haji atau umroh sekeluarga setelah 6 bulan angsuran lancar
  • Tanpa diundi

3.

Program ini berlaku untuk apa saja?

  • Pembelian rumah baru
  • Take Over / Take Over Plus Top
  • Pembiayaan Konsumsi Beragun Properti / Refinancing

4.

Kapan periode promo ini?

1 September  – 31 Desember 2023

5.

Apakah promo ini ada kuotanya? Jika ada, apa yang terjadi jika saya ingin mengajukan tapi kuotanya sudah habis?

Ada, apabila kuota sudah habis maka akan diberitahukan kembali lebih lanjut untuk perpanjangannya

6.

Apakah promo ini berlaku di semua Cabang Bank Muamalat?

Promo berlaku untuk semua cabang Bank Muamalat

8.

Berapa minimal dan maksimal limit pembiayaan yang dapat diajukan?

Minimal limit pembiayaan sebesar Rp 1 Miliar

Maksimal limit pembiayaan sebesar Rp 5 Miliar

9.

Berapa Uang Muka / Down Payment jika mengajukan KPR Hijrah Baitullah?

Uang muka yang dikenakan kepada nasabah mulai dari 0%

10.

Apakah ada minimum dan maksimum jangka waktu pembiayaan KPR Hijrah Baitullah?

Ada, minimum jangka waktu adalah 3 tahun dan maksimum jangka waktu adalah 20 tahun

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