KPR iB Barokah

Short, medium, or long term financing to finance the purchase of residential (consumptive)a nd renovation, both new and used, in the developer and non-developer environment, with Murabahah system.

PURPOSE :

  1. For ownership of a new property
  2. For ownership of second-hand properties
  3. For home renovation
  4. For take over/top up
  5. Property-backed Consumption Financing (refinancing)


USED AGREEMENT :

 

NO

Fitur of Financing

Type of Agreement

Murabahah

IMBT

MMQ

1

New od second Property Ownership

V

V

V

2

House renovation

V

3

Indent house

V

V

V

4

Take Over Property (with Additions or Without Additions)

V

V

V

5

Top Up KPR iB

V

6

Pembiayaan Konsumsi berahunan Properti (Pembiayaan Ulang/Refinancing)

V

V

 

FINANCING LIMIT

Maximum financing is 90% of the purchase price for the under 70m2 house type and equal to 70% of the purchase price for the above 70 m2 house type.

COLLATERAL

Collateral is the property that is financed by KPRiBGriyaBarokah, while home renovation/repairs can use other collateral as long aas on behalf of the Debtors husband/wife.

TIME PERIOD

The maximum period of financing is in accordance with the applicable provisions in the bank and does not exceed the remaining period of land right minus 1 (one) year and the customer’s age limit is set as follows:

  1. For PNS/TNI/POLRI whose retirement period has been determined, then the financing period is paid off when entering the retirement preparation period
  2. For non-PNS/TNI/POLRI, the maximum financing period can be given until the applicant’s age is 70 years. Financing must be paid off with the requirement that an insurance company is willing to guarantee and the applicant is able to pay the insurance premium
  3. Specifically for expertise profession and entrepreneurs, financing end up at a maximum age of 60 years. While over the age of 60 to 70 years Case by Case (CBC) as long as the insurance company can guarantee.

REQUIREMENTS :

A. Fixed Income/Employee Customers

  1. Fill in the form and application
  2. Submit a copy of KTP, KK, Marriage/Divorced Letters, Size 4x6 latest color photograph of the applicant and the spouse (husband/wife)
  3. Submit an official payment slip from the applicant’s company or an income statement form the applicant’s company
  4. Submit a copy of the account book at Bank Jatim and/or other banks. At least for the last 3 (three) months 

B. Irregular Income/Enterpreneur/Professional Customers

  1. Fill in the form and application
  2. Submit a copy of KTP, KK, Marriage/Divorced Letters, size 4x6 latest color photograph of the applicant and the spouse (husband/wife)
  3. Submit an income statement form the applicant
  4. Submit a copy of the account book at Bank Jatim and/or Other Banks, at least for the last 3 (three) months
  5. Submit a copy of company document, business permit, SIUP/TDP, and/or other permits
  6. Submit the Company's Financial Report or other records that represent the applicant's income
  7. Permit Practice (for those who have professions) 

 

Terms, conditions/for more information about our products, please contact Info Bank Jatim 14044 or visit branch offices Bank Jatim sharia.