Eligibility Requirements:
- Age: Minimum of 21 years (or married) and maximum of 60 years for regular customers or 65 years for priority/private customers at loan maturity.
- Employees: Minimum of 1 year of service, including the probation period. For professionals and entrepreneurs, at least 1 year of continuous experience in their field, with verifiable income is required.
- Car Financing:
- Jabodetabek and Surabaya: Minimum income of IDR 6 million/month.
- Outside Jabodetabek and Surabaya: Minimum income of IDR 5 million/month.
- Motorcycle Financing:
- Jabodetabek and Surabaya: Minimum income of IDR 4 million/month.
- Outside Jabodetabek and Surabaya: Minimum income of IDR 3 million/month.
- Joint Income: Add IDR 1 million to the above minimums for combined income.
Mandiri KKB application steps:
- Step 1: Gather your required documents, including ID, Family Card, and income verification.
- Step 2: Ensure you meet the age, employment, and income requirements.
- Step 3: Fill out the Mandiri KKB application form.
- Step 4: Submit your application at the nearest Mandiri branch.
- Step 5: Await approval and start planning your next vehicle purchase!
Frequently Asked Questions:
How long does it take to get approved for a Mandiri KKB?
The approval process is designed to be quick and efficient, but the exact timing can vary based on the completeness of your application.
Is it required to explain why credit is being used?
Yes, explaining your intent for the loan, such as vehicle purchase or refinancing, is part of the application process.
Do I need to have a good credit score to be approved for Mandiri KKB?
While a good credit score is advantageous, Mandiri also considers other factors such as income stability and employment status.
Can I apply for a loan if I am self-employed?
Yes, Mandiri KKB is available for self-employed individuals, provided they meet the experience and income verification requirements.