multiguna sharia

Facility granted to the Customer that have the fixed income with Murabahah.

Purposes: For productive and consumptive purposes.

Characteristics:

  • Using a Murabahah
  • Financing Term :
    • Civil Servants maximum of 8 (eight) years.
    • Retired military and retired civil servants maximum of 5 (five) years.
    • Permanent employee of a private company / foundation / cooperative bonafide maximum of 5 (five) years.
  • Financing Limit:
    • Civil Servants is 80% of the salary received by the customer
    • Retired military and retired civil servants by 80% of the pension entitlements received by customers.
    • Permanent employee of a private company / foundation / cooperative bonafide 60% of the salary received by the customer.
  • Repayment prior to maturity is not subject to penalty.
  • Sharia insurance protection
  • Fixed installments until maturity financing.

Requirements:

  • Fill out an application form
  • At least 18 (eighteen) years or have been married and are authorized to take legal action (an adult according to the law and not in a guardianship) according to applicable regulations.
  • Identification card, KSK, NIP or Employee Card is still valid.
  • Appointment of Permanent Employees SK photocopy of the last published.
  • Letter of Recommendation from the management of the company / institution where the customer works.
  • Certificate of salary (salary slips) is approved by the competent authority.
  • Power of Attorney cut the salaries customer from corporate officers / agencies authorized to the bank.
  • Statement of the Treasurer to cut salaries customer for installment payments to the bank.