Find the Mandiri KPR options that suit your needs, from flexible installments to sharia financing, to realize your dream home with the best credit solutions.
Realizing your dream of owning a home is now easier with various Bank Mandiri Home Ownership Credit (KPR) options. With a variety of flexible schemes and features, you can choose a KPR program that suits your needs and financial condition.
Each product offers different advantages, both in terms of interest rates, tenors, and payment flexibility. Here are various types of Mandiri KPR that can be a solution for you:
1. Mandiri KPR Duo
Mandiri KPR Duo is a credit facility that not only makes it easier to purchase a house, apartment, or shophouse from partner developers, but also allows the purchase of cars, motorbikes, furniture, and household appliances through partners in the KPR Duo program.
This product is perfect for those of you who want to get various needs in one efficient credit scheme.
2. Mandiri KPR Tiered Installments
This program is designed for employees who want to own a home without the burden of high installments at the beginning of the credit period.
Through the Tiered Installment Mortgage, Bank Mandiri provides relief in the form of a postponement of part of the principal installment until the third year.
Starting in the fourth year, the installment returns to the normal nominal. This solution is very helpful for young workers who are just starting their careers and want to own a home without disrupting their financial stability.
3. Mandiri KPR Flexible
If you need flexibility in payments, Mandiri KPR Flexible is the best choice. This program allows customers to set their own term and amount of installments, whether to buy a house, shophouse, shophouse, or apartment.
With this scheme, customers can manage their finances more freely and adjust the installments to their income.
4. Mandiri KPR Take Over
Mandiri KPR Take Over offers convenience for customers who want to transfer home loans from other banks to Bank Mandiri.
This program provides an opportunity for customers to get lower interest rates or a larger credit limit compared to the original bank. If the new limit is higher than the previous outstanding, the additional funds can be used for various other purposes.
5. Mandiri KPR Top Up
For Mandiri KPR owners who have been running for more than a year, Mandiri KPR Top Up allows them to increase their credit limit.
Provided that installment payments for the last six months have been smooth, customers can apply for an increase in the limit for various purposes such as home renovation or property investment.
6. Mandiri KPR Millennial
Mandiri KPR Millennial is here as a solution for the younger generation who want to have their own home. This program offers a larger credit limit compared to other KPR products, so that millennials can buy a house or apartment with a more flexible tenor. This program is perfect for those who are planning their future and want to have property assets early on.
7. KPR Mandiri Syariah (Griya Berkah)
For those of you looking for a sharia-based financing system, Bank Mandiri offers KPR Mandiri Syariah through the Griya Berkah product.
Using the Murabahah contract, this scheme works with a buying and selling concept, where the bank buys the desired property and sells it to the customer with a profit margin that has been agreed upon at the beginning.
Unlike conventional KPR which applies a floating interest rate based on Bank Indonesia’s policy, KPR Syariah has fixed installments throughout the credit tenor, providing certainty for customers.
This program can be used to purchase new houses, used houses, apartments, or shophouses that are in accordance with sharia principles.
Conclusion
Bank Mandiri offers a variety of mortgage options that can be tailored to your needs and financial conditions.
Whether you are looking for light installments at the beginning, flexibility in payments, higher credit limits, or a sharia system, Bank Mandiri has the right program for you.
By understanding the advantages of each type of BTN Mortgage, you can choose the product that best suits your financial plan and housing needs.
To get more information about the requirements, interest rates, and credit simulations, consult directly with Bank Mandiri so that you can make the right financial decisions.
