Explore various types of Mandiri KPR with flexible home ownership credit options, according to your financial needs to realize your dream home.
Owning your dream home is now easier with various choices of Bank Mandiri Home Ownership Credit (KPR). Bank Mandiri offers various KPR products that can be adjusted to the needs and financial capabilities of prospective customers.
Each product has its own advantages, both in terms of installment flexibility, credit limits, and payment schemes. Here are the various types of Mandiri KPR that you need to know:
1. Mandiri KPR Duo
Mandiri KPR Duo is a home financing program that not only covers the purchase of houses, apartments, or shophouses from developers who have collaborated with Bank Mandiri.
But also allows the purchase of cars, motorbikes, furniture, and household appliances through dealers or third parties who are members of the KPR Duo marketing program.
This program is perfect for those of you who want to manage your finances more efficiently when buying property and its equipment in one credit package.
2. Mandiri KPR Installment Level
Mandiri KPR Installment Level is a solution for employees who want to own a house with lighter installments at the beginning of the credit period.
This product provides relief in the form of a postponement of payment of part of the principal installment until the third year. In the fourth year and beyond, the installment amount returns to the normal nominal.
This program is perfect for workers who are just starting their careers and want to own a house without burdening their finances at the beginning of the credit.
3. Mandiri KPR Flexible
For those of you who want flexibility in payments, Mandiri KPR Flexible is the right choice. This program allows customers to determine their own term and division of the credit amount, either for purchasing a house, shophouse, shophouse, or apartment.
With the freedom to manage credit, customers can manage their finances better according to their current and future financial conditions.
4. Mandiri KPR Take Over
Mandiri KPR Take Over is a solution for customers who want to transfer (take over) home credit from another bank to Bank Mandiri. This program makes it easier for KPR owners who want to get more competitive interest rates or a larger credit limit.
The maximum credit limit offered can be the last outstanding amount at the original bank or a new limit determined by Bank Mandiri. If the credit limit given is larger, customers can use it for various other purposes.
5. Mandiri KPR Top Up
For customers who have had a Mandiri KPR for more than one year, Mandiri KPR Top Up allows them to increase their credit limit. The main requirement to obtain this facility is that installment payments for the last six months must be smooth.
With the additional credit limit, customers can use it for home renovations, expanding buildings, or other needs related to property.
6. Mandiri KPR Millennial
Mandiri KPR Millennial is a product specifically designed for the millennial generation who want to own a house or apartment.
This program offers a larger credit limit than other KPR products, making it easier for young people to buy property according to their needs. This product is perfect for the young generation who are planning their future by having their own home.
7. KPR Mandiri Syariah (Griya Berkah)
For those of you who want to own a house with sharia principles, Bank Mandiri also provides KPR Mandiri Syariah called Griya Berkah.
This product uses the Murabahah contract, which is a sale and purchase contract between the bank and the customer where the bank buys the desired house and sells it to the customer with a profit margin that has been agreed upon in advance.
Different from conventional KPR which uses floating interest rates (referring to Bank Indonesia’s reference interest rate), KPR Syariah has a fixed margin from the start, so that the installments paid remain the same throughout the credit tenor.
This product can be used to purchase new houses, used houses, apartments, or shophouses in accordance with sharia principles.
Conclusion
Bank Mandiri offers a variety of KPR options that can be adjusted to your financial needs. Whether you need light installments at the start, payment flexibility, a larger credit limit, or a sharia system, Bank Mandiri has the solution.
By understanding the characteristics of each type of KPR Mandiri, you can choose the product that best suits your needs and financial plans.
Immediately consult with Bank BTN to get further information regarding the terms, conditions, and credit simulation that is right for you.