Promo Menarik

KPR Mandiri
2.
Refreshment

% KHUSUS
SUKU BUNGA

Syarat Dan
Ketentuan

TANYA JAWAB
KASUS
 2. Suku Bunga KHUSUS

 Suku Bunga KPR Khusus

4.59% fix 1 thn, syarat min tenor 10 thn, atau
5.99% fix 3 thn, syarat min tenor 10 thn
 Suku Bunga Lainnya
(khusus job type pegawai)
8.88% fix 10 thn, syarat min tenor 10 thn
9.99% fix 10 thn, syarat min tenor 5 thn
10.99% fix 10 thn, syarat min tenor 2 thn*

*khusus bunga 10.99% ada promo free provisi dan free biaya
administrasi

Bunga berlaku sampai batas pencairan 31 Juli 2021 atau pemberitahuan lebih lanjut
2. JOB Type Nasabah

Siapakah yang dapat

Jenis Pembiayaan Mandiri KPR Jenis Agunan
mengajukan Mandiri KPR?

PEGAWAI

RUMAH
TINGGAL
PROFESIONAL
KPR Primary
(Pembelian rumah di proyek developer
kerjasama Bank Mandiri)

WIRASWASTA*

Tenor : Rumah Landed max 20 thn

*sedang dihold sementara selama kondisi covid-19
 Persyaratan DOKUMEN

 Asli aplikasi diisi lengkap dan benar

Dokumen Identitas
 Copy KTP calon debitur & suami/istri debitur
 Copy Kartu Keluarga (KK)
 Copy Surat Nikah (jika sudah menikah)
 Copy NPWP pribadi
Dokumen Income
• Copy Rekening Koran Tabungan (Penampung Gaji) 3 bulan terakhir
• Slip gaji terakhir/surat keterangan penghasilan
• Surat keterangan kerja
(menyatakan tgl masuk perusahaan, jabatan dan pegawai tetap)
Dokumen Agunan
• Primary : Surat Pemesanan Rumah, bukti transfer DP, kwitansi DP
2. DBR & LTV

Fitur Ketentuan

Pegawai/Professional Wiraswasta
Maksimum DBR Maksimum DBR
(Income Rp) (Income Rp)
s.d Rp. 5 Juta 50% s.d Rp. 30 Juta 50%
DBR >Rp. 5 Juta - Rp. 10 >Rp. 30 Juta 60%
Juta 55%

>Rp. 10Juta – Rp.20

Juta 65%

>Rp. 20 Juta 70% -> Payroll Mandiri, FK 1

Khusus Program Instant Approval : DBR max 50%

KPR Secondary
KPR Primary
Jenis Agunan Pegawai, Profesional, Wiraswasta Prioritas
FK1 FK2 FK1 FK2 FK1 FK2
LTV Rumah Landed
LB > 70 m2 95% 80%
LB 22-70 m2 95% 85%
LB < 70 m2 95% 85%
 List Segmen Yang Dihindari Selama Pandemi
No. Sektor Industri Sub Sektor Detail Sektor
(IC BMRI) (IC BMRI) (IC BMRI)
1 Industri Otomotif Industri Otomotif Industri Kendaraan Bermotor termasuk
Komponen & Karoseri

Perdagangan Otomotif Penjualan Kendaraan Bermotor termasuk suku

cadang & aksesoris

2 Jasa Keuangan Jasa Keuangan Asuransi Otomotif

Jasa Keuangan Multifinance & Leasing
3 Hotel, Restoran & Café Hotel, Restoran & Café Hotel & Jasa Akomodasi Lainnya

Restoran & Café yang berada di dalam hotel

4 Transportasi Jasa Angkutan Udara Angkutan Udara Khusus Penumpang

Jasa Angkutan Air Angkutan Air Khusus Penumpang

*Bisa Tetap di proses selama dapat diyakini tidak terdapat

pengurangan gaji selama 6 bulan terakhir dan Income
memenuhi perhitungan dan ketentuan bank

7
Cek IDBI Pribadi

8
Cek IDBI Pribadi

9
Cek IDBI Pribadi

10
 Tabel Angsuran - KPR
TABEL ANGSURAN KPR " BUNGA KHUSUS 4.59% FIX 1 TAHUN "
Suku Bunga : 4.59%
0.38% p.a. fixed 1 tahun pertama, dengan syarat minimum tenor 10 tahun*
JANGKA WAKTU KPR
PLAFOND Ta hun 10 11 12 13 14 15 16 17 18 19 20
KPR Bula n 120 132 144 156 168 180 192 204 216 228 240
100,000,000 1,040,728 966,269 904,457 852,373 807,931 769,601 736,237 706,960 681,090 658,086 637,518
200,000,000 A 2,081,456 1,932,538 1,808,915 1,704,746 1,615,862 1,539,202 1,472,473 1,413,920 1,362,179 1,316,172 1,275,036
300,000,000 n 3,122,184 2,898,807 2,713,372 2,557,119 2,423,792 2,308,803 2,208,710 2,120,881 2,043,269 1,974,257 1,912,553
400,000,000 g 4,162,912 3,865,076 3,617,829 3,409,492 3,231,723 3,078,404 2,944,946 2,827,841 2,724,358 2,632,343 2,550,071
500,000,000 s 5,203,640 4,831,346 4,522,287 4,261,865 4,039,654 3,848,005 3,681,183 3,534,801 3,405,448 3,290,429 3,187,589
600,000,000 u 6,244,368 5,797,615 5,426,744 5,114,238 4,847,585 4,617,606 4,417,419 4,241,761 4,086,537 3,948,515 3,825,107
700,000,000 r 7,285,096 6,763,884 6,331,201 5,966,611 5,655,515 5,387,207 5,153,656 4,948,721 4,767,627 4,606,600 4,462,625
800,000,000 a 8,325,824 7,730,153 7,235,659 6,818,985 6,463,446 6,156,808 5,889,892 5,655,682 5,448,716 5,264,686 5,100,143
900,000,000 9,366,552 8,696,422 8,140,116 7,671,358 7,271,377 6,926,409 6,626,129 6,362,642 6,129,806 5,922,772 5,737,660
n
1,000,000,000 10,407,280 9,662,691 9,044,573 8,523,731 8,079,308 7,696,010 7,362,366 7,069,602 6,810,895 6,580,858 6,375,178
1,100,000,000 11,448,008 10,628,960 9,949,031 9,376,104 8,887,238 8,465,611 8,098,602 7,776,562 7,491,985 7,238,944 7,012,696
P
1,200,000,000 12,488,736 11,595,229 10,853,488 10,228,477 9,695,169 9,235,212 8,834,839 8,483,523 8,173,075 7,897,029 7,650,214
e
1,300,000,000 13,529,463 12,561,498 11,757,946 11,080,850 10,503,100 10,004,813 9,571,075 9,190,483 8,854,164 8,555,115 8,287,732
r
1,400,000,000 14,570,191 13,527,768 12,662,403 11,933,223 11,311,031 10,774,414 10,307,312 9,897,443 9,535,254 9,213,201 8,925,250
1,500,000,000 15,610,919 14,494,037 13,566,860 12,785,596 12,118,961 11,544,015 11,043,548 10,604,403 10,216,343 9,871,287 9,562,767
B
1,600,000,000 16,651,647 15,460,306 14,471,318 13,637,969 12,926,892 12,313,616 11,779,785 11,311,363 10,897,433 10,529,372 10,200,285
u
1,700,000,000 17,692,375 16,426,575 15,375,775 14,490,342 13,734,823 13,083,217 12,516,021 12,018,324 11,578,522 11,187,458 10,837,803
1,800,000,000 l 18,733,103 17,392,844 16,280,232 15,342,715 14,542,754 13,852,818 13,252,258 12,725,284 12,259,612 11,845,544 11,475,321
1,900,000,000 a 19,773,831 18,359,113 17,184,690 16,195,088 15,350,684 14,622,418 13,988,495 13,432,244 12,940,701 12,503,630 12,112,839
2,000,000,000 n 20,814,559 19,325,382 18,089,147 17,047,461 16,158,615 15,392,019 14,724,731 14,139,204 13,621,791 13,161,716 12,750,357

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
10 11 12 13 14 15 16 17 18 19 20
NILAI KOEFISIEN 0.01040728 0.009662691 0 0.008523731 0.008079308 0.00769601 0.007362366 0.007069602 0.006810895 0.006580858 0.006375178

Limit pengajuan KPR bisa lebih dari 2 Milyar, untuk rincian dan penjelasan lebih lanjut dapat
menghubungi kami
 Tabel Angsuran - KPR
TABEL ANGSURAN KPR " BUNGA KHUSUS 5.99% FIX 3 TAHUN "
Suku Bunga : 5.99%
0.50% p.a. fixed 3 tahun pertama, dengan syarat minimum tenor 10 tahun*
JANGKA WAKTU KPR
PLAFOND Ta hun 10 11 12 13 14 15 16 17 18 19 20
KPR Bula n 120 132 144 156 168 180 192 204 216 228 240
100,000,000 1,109,703 1,036,194 975,333 924,198 880,703 843,317 810,890 782,546 757,600 735,513 715,854
200,000,000 A 2,219,406 2,072,387 1,950,666 1,848,397 1,761,407 1,686,633 1,621,780 1,565,091 1,515,200 1,471,027 1,431,709
300,000,000 n 3,329,109 3,108,581 2,925,998 2,772,595 2,642,110 2,529,950 2,432,671 2,347,637 2,272,800 2,206,540 2,147,563
400,000,000 g 4,438,812 4,144,775 3,901,331 3,696,794 3,522,813 3,373,267 3,243,561 3,130,183 3,030,400 2,942,053 2,863,417
500,000,000 s 5,548,515 5,180,968 4,876,664 4,620,992 4,403,516 4,216,583 4,054,451 3,912,729 3,788,000 3,677,567 3,579,271
600,000,000 u 6,658,217 6,217,162 5,851,997 5,545,190 5,284,220 5,059,900 4,865,341 4,695,274 4,545,600 4,413,080 4,295,126
700,000,000 r 7,767,920 7,253,356 6,827,330 6,469,389 6,164,923 5,903,217 5,676,232 5,477,820 5,303,200 5,148,594 5,010,980
800,000,000 a 8,877,623 8,289,550 7,802,662 7,393,587 7,045,626 6,746,533 6,487,122 6,260,366 6,060,800 5,884,107 5,726,834
900,000,000 9,987,326 9,325,743 8,777,995 8,317,786 7,926,330 7,589,850 7,298,012 7,042,912 6,818,400 6,619,620 6,442,688
n
1,000,000,000 11,097,029 10,361,937 9,753,328 9,241,984 8,807,033 8,433,167 8,108,902 7,825,457 7,575,999 7,355,134 7,158,543
1,100,000,000 12,206,732 11,398,131 10,728,661 10,166,182 9,687,736 9,276,483 8,919,792 8,608,003 8,333,599 8,090,647 7,874,397
P
1,200,000,000 13,316,435 12,434,324 11,703,993 11,090,381 10,568,440 10,119,800 9,730,683 9,390,549 9,091,199 8,826,160 8,590,251
e
1,300,000,000 14,426,138 13,470,518 12,679,326 12,014,579 11,449,143 10,963,117 10,541,573 10,173,094 9,848,799 9,561,674 9,306,106
r
1,400,000,000 15,535,841 14,506,712 13,654,659 12,938,778 12,329,846 11,806,433 11,352,463 10,955,640 10,606,399 10,297,187 10,021,960
1,500,000,000 16,645,544 15,542,905 14,629,992 13,862,976 13,210,549 12,649,750 12,163,353 11,738,186 11,363,999 11,032,701 10,737,814
B
1,600,000,000 17,755,247 16,579,099 15,605,325 14,787,174 14,091,253 13,493,067 12,974,244 12,520,732 12,121,599 11,768,214 11,453,668
u
1,700,000,000 18,864,949 17,615,293 16,580,657 15,711,373 14,971,956 14,336,383 13,785,134 13,303,277 12,879,199 12,503,727 12,169,523
1,800,000,000 l 19,974,652 18,651,486 17,555,990 16,635,571 15,852,659 15,179,700 14,596,024 14,085,823 13,636,799 13,239,241 12,885,377
1,900,000,000 a 21,084,355 19,687,680 18,531,323 17,559,770 16,733,363 16,023,017 15,406,914 14,868,369 14,394,399 13,974,754 13,601,231
2,000,000,000 n 22,194,058 20,723,874 19,506,656 18,483,968 17,614,066 16,866,333 16,217,804 15,650,915 15,151,999 14,710,267 14,317,085

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
10 11 12 13 14 15 16 17 18 19 20
NILAI KOEFISIEN 0.011097029 0.010361937 0 0.009241984 0.008807033 0.008433167 0.008108902 0.007825457 0.007575999 0.007355134 0.007158543

Limit pengajuan KPR bisa lebih dari 2 Milyar, untuk rincian dan penjelasan lebih lanjut dapat
menghubungi kami
 Tabel Angsuran - KPR
TABEL ANGSURAN KPR " BUNGA KHUSUS 9.99% FIX 10 TAHUN "
Suku Bunga : 9.99%
0.83% p.a. fixed 10 tahun pertama, dengan syarat minimum tenor 5 tahun*
JANGKA WAKTU KPR
PLAFOND Ta hun 10 11 12 13 14 15 16 17 18 19 20
KPR Bula n 120 132 144 156 168 180 192 204 216 228 240
100,000,000 1,320,954 1,251,422 1,194,501 1,147,259 1,107,602 1,073,993 1,045,279 1,020,577 999,201 980,606 964,359
200,000,000 A 2,641,907 2,502,844 2,389,001 2,294,518 2,215,204 2,147,987 2,090,559 2,041,155 1,998,401 1,961,212 1,928,718
300,000,000 n 3,962,861 3,754,266 3,583,502 3,441,777 3,322,806 3,221,980 3,135,838 3,061,732 2,997,602 2,941,818 2,893,078
400,000,000 g 5,283,815 5,005,688 4,778,003 4,589,035 4,430,408 4,295,974 4,181,118 4,082,310 3,996,802 3,922,424 3,857,437
500,000,000 s 6,604,768 6,257,110 5,972,503 5,736,294 5,538,010 5,369,967 5,226,397 5,102,887 4,996,003 4,903,030 4,821,796
600,000,000 u 7,925,722 7,508,532 7,167,004 6,883,553 6,645,612 6,443,961 6,271,677 6,123,465 5,995,203 5,883,636 5,786,155
700,000,000 r 9,246,676 8,759,954 8,361,504 8,030,812 7,753,215 7,517,954 7,316,956 7,144,042 6,994,404 6,864,242 6,750,514
800,000,000 a 10,567,629 10,011,376 9,556,005 9,178,071 8,860,817 8,591,947 8,362,236 8,164,620 7,993,605 7,844,848 7,714,874
900,000,000 11,888,583 11,262,798 10,750,506 10,325,330 9,968,419 9,665,941 9,407,515 9,185,197 8,992,805 8,825,454 8,679,233
n
1,000,000,000 13,209,537 12,514,220 11,945,006 11,472,588 11,076,021 10,739,934 10,452,795 10,205,775 9,992,006 9,806,060 9,643,592
1,100,000,000 14,530,490 13,765,642 13,139,507 12,619,847 12,183,623 11,813,928 11,498,074 11,226,352 10,991,206 10,786,666 10,607,951
P
1,200,000,000 15,851,444 15,017,064 14,334,008 13,767,106 13,291,225 12,887,921 12,543,353 12,246,930 11,990,407 11,767,272 11,572,310
e
1,300,000,000 17,172,398 16,268,486 15,528,508 14,914,365 14,398,827 13,961,915 13,588,633 13,267,507 12,989,608 12,747,877 12,536,670
r
1,400,000,000 18,493,351 17,519,908 16,723,009 16,061,624 15,506,429 15,035,908 14,633,912 14,288,085 13,988,808 13,728,483 13,501,029
1,500,000,000 19,814,305 18,771,330 17,917,510 17,208,883 16,614,031 16,109,901 15,679,192 15,308,662 14,988,009 14,709,089 14,465,388
B
1,600,000,000 21,135,259 20,022,752 19,112,010 18,356,142 17,721,633 17,183,895 16,724,471 16,329,240 15,987,209 15,689,695 15,429,747
u
1,700,000,000 22,456,212 21,274,174 20,306,511 19,503,400 18,829,235 18,257,888 17,769,751 17,349,817 16,986,410 16,670,301 16,394,106
1,800,000,000 l 23,777,166 22,525,596 21,501,012 20,650,659 19,936,837 19,331,882 18,815,030 18,370,395 17,985,610 17,650,907 17,358,465
1,900,000,000 a 25,098,120 23,777,018 22,695,512 21,797,918 21,044,440 20,405,875 19,860,310 19,390,972 18,984,811 18,631,513 18,322,825
2,000,000,000 n 26,419,074 25,028,440 23,890,013 22,945,177 22,152,042 21,479,869 20,905,589 20,411,550 19,984,012 19,612,119 19,287,184

KOEFISIEN ANGSURAN PINJAMAN

JANGKA WAKTU (TAHUN)
10 11 12 13 14 15 16 17 18 19 20
NILAI KOEFISIEN 0.013209537 0.01251422 0 0.011472588 0.011076021 0.010739934 0.010452795 0.010205775 0.009992006 0.00980606 0.009643592

Limit pengajuan KPR bisa lebih dari 2 Milyar, untuk rincian dan penjelasan lebih lanjut dapat
menghubungi kami
Info Lebih lanjut dapat menghubungi :