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2026-07-01

KPR Hijrah Baitullah

Programme Name	:	KPR HIJRAH BAITULLAH
Period	:	July 1, 2026 – June 30, 2027
Description	:	Easy & fixed installment Long tenor up to 25 years Flexible financing purposes (house purchase primary/secondary, take over / take over + top up, top up and refinancing) Plafond of IDR 300 million – IDR 500 million qualify for a precious metal gift valued at IDR 10 million (tax included). Plafond of IDR 500 million will receive a prize of savings for the Hajj/Umrah/mosque endowment/halal tourism and , according to the plafond tier. Reward after 18 month of smooth installments Without voting
Targeted Segment	:	New To Bank & Existing To Bank
Terms and Condition	:	Financing purposes for house purchase primary/secondary, take over / take over plus top up and refinancing Plafond limit up to IDR 5 billion For 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

QnA Program

No.	Questions ansd Answers
1.	What is KPR Hijrah Baitullah? Mortgage financing reward programme for hajj portion / umroh/ wakaf for mosque/ halal tour and gold : a. Plafond of IDR 300 million – IDR 500 million will receive precious metal equivalent to IDR 10 million, including tax. b. Plafond of IDR 500 million will receive a prize of savings for the Hajj/Umrah/mosque endowment/halal tourism and , according to the plafond tier. > IDR 500 million - IDR 1,5 billion = reward equal to IDR 30 million include tax > IDR 1,5 billion - IDR 2,5 billion = reward equal to IDR 60 million include tax > IDR 2,5 billion - IDR 3,5 billion = reward equal to IDR 90 million include tax > IDR 3,5 billion - IDR 5 billion = reward equal to IDR 120 million include tax
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 7,00% fixed for 2 year or 8,99% 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 up 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 million Maximum limit plafond up to IDR 5 billion
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.

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