Eligibility Requirements:
- Age: Minimum of 21 years or married, maximum of 55 years (employees) or 60 years (professionals/entrepreneurs) at loan maturity.
- Employees: Must be a permanent employee with a minimum of 3 months of service (including probation). Professionals/Entrepreneurs: Must have at least 2 consecutive years of experience in their field, with verifiable income.
- Income: Minimum IDR 2.5 million/month (outside Jabodetabek) and IDR 3.5 million/month (within Jabodetabek).
Mandiri KPR application steps:
- Step 1: Gather your required documents, including ID, Family Card, and income verification.
- Step 2: Fill out the Mandiri KPR application form.
- Step 3: Ensure you meet the age, employment, and income requirements.
- Step 4: Submit your application at the nearest Mandiri branch.
- Step 5: Await approval and start planning your new home!
Frequently Asked Questions:
How long does it take to get approved for a Mandiri KPR?
The approval process is designed to be quick and straightforward, but the exact timing can vary based on your application completeness.
Is it required to explain why credit is being used?
Yes, explaining your intent for the loan, such as purchasing or refinancing, is part of the application process.
Do I need to have a good credit score to be approved for Mandiri KPR?
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 KPR is available for self-employed individuals, provided they meet the experience and income verification requirements.