Eligibility Requirements:
- Age: Minimum 21 years, maximum age not exceeding retirement at loan maturity.
- Income: Minimum monthly income of Rp3 million.
- Employment Status: Must be a permanent employee with a verifiable income.
Mandiri KSM application steps:
- Step 1: Ensure you meet the age and income requirements.
- Step 2: Gather your required documents, including ID, Tax Identification Number (NPWP) if applicable, and salary slip.
- Step 3: Choose your preferred application method: visit a Mandiri branch, use the Livin’ by Mandiri app, or apply online via the Mandiri KSM website.
- Step 4: Submit your application and await approval.
- Step 5: Receive your funds within 1 day after approval and start using your loan!
Frequently Asked Questions:
How long does it take to get approved for a Mandiri KSM?
Mandiri KSM offers a fast approval process, with funds typically disbursed within 1 day after all required documents are submitted.
Is it required to explain why credit is being used?
Yes, providing details on your intended use of the loan helps in processing your application more efficiently.
Do I need to have a good credit score to be approved for Mandiri KSM?
While a good credit score is beneficial, Mandiri also considers other factors such as income and employment stability.
Can I apply for a loan if I am self-employed?
Mandiri KSM is primarily designed for salaried employees, but other loan options might be available for self-employed individuals.