umroh ib maqbula


Your Way To Baitullah

Financing product to customer that will perform Umrah trip with fixed installments until the term of the financing.

CHARACTERISTICS:

  1. Using Ijarah
  2. To finance the trip Umrah
  3. Intended for an applicant who is a permanent employee company / agency with a bona fide min 2 years working period and the self-employed
  4. Intended also for the customer and the other family dependents customers , throughout the customer 's ability to repay insufficient ( max. 80 % of net income customers )
  5. Financing ceiling max . 80 % of the cost of Umrah
  6. Financing period max . 3 years
  7. Monthly installments until the end of the financial maturity
  8. Can be repaid after returning from Umrah
  9. Minor administrative costs
  10. Islamic insurance protection
  11. Installment payment facility through Autodebt

REQUIREMENTS:

  1. Indonesian Citizens
  2. At least 21 years old or have been married and are authorized to take legal action , and at maturity financing max age of the customer . up to retirement age and 65 years for self-employed
  3. Already a permanent employee min 2 years based on the Decree of the Department / Institution / Company
  4. For individuals whose income is not fixed / entrepreneur / professional who runs his own business , min . 2 years of running his business ( with proof of Business License / permits profession and the like )
  5. Delivering Personal Tax ID number to applicants with financing > 100 million or SPT Article 21

DOCUMENTS:

  1. Filling Application Request
  2. Copies of ID , KK and Marriage Certificate ( if already married )
  3. Photocopy of a pay stub or last Income Certificate approved by the competent authority
  4. Photocopy of a deposit account in Bank Jatim / other banks last 3 months
  5. SK Original Rally / company
  6. Power of Attorney Salary cuts for installment payment
  7. Description genuine participation of Umrah trip Umrah Travel Agents following breakdown costs.

COST:

  1. Administrative costs Rp 100.000,00
  2. Insurance

Fixed Installment Table Umrah iB Maqbula:

CEILING PAYMENT (Rp) DURATION 12 Month DURATION 24 Month DURATION 24 Month
Rp15.000.000,00 Rp1.250.000,00 Rp625.000,00 Rp416.667,00
Rp20.000.000,00 Rp1.666.667,00 Rp833.333,00 Rp555.556,00
Rp25.000.000,00 Rp2.083.333,00 Rp1.041.667,00 Rp694.444,00
Rp27.000.000,00 Rp2.291.667,00 Rp1.145.833,00 Rp763.889,00
Rp30.000.000,00 Rp2.500.000,00 Rp1.250.000,00 Rp833.333,00
Rp35.000.000,00 Rp2.916.667,00 Rp1.458.833,00 Rp972.222,00
Rp40.000.000,00 Rp3.333.333,00 Rp1.666.667,00 Rp1.111.111,00
Rp45.000.000,00 Rp3.750.000,00 Rp1.875.000,00 Rp1.250.000,00


Table Return Umrah Services Banks iB Maqbula: *)

CEILING PAYMENT (Rp) DURATION 12 Month DURATION 24 Month DURATION 24 Month
Rp15.000.000,00 Rp1.125.000,00 Rp2.250.000,00 Rp3.600.000,00
Rp20.000.000,00 Rp1.500.000,00 Rp3.000.000,00 Rp4.800.000,00
Rp25.000.000,00 Rp1.875.000,00 Rp3.750.000,00 Rp6.000.000,00
Rp27.000.000,00 Rp2.062.500,00 Rp4.125.000,00 Rp6.600.000,00
Rp30.000.000,00 Rp2.250.000,00 Rp4.500.000,00 Rp7.200.000,00
Rp35.000.000,00 Rp2.625.000,00 Rp5.250.000,00 Rp8.400.000,00
Rp40.000.000,00 Rp3.000.000,00 Rp6.000.000,00 Rp9.600.000,00
Rp45.000.000,00 Rp3.375.000,00 Rp6.750.000,00 Rp10.800.000,00


Simulation :
Umroh costs Rp25.000.000,- financed by the Bank Rp20.000.000,- (Rp25.000.000,- x 80%) The deposited at the beginning as follows:

Compensation for a period of 12 months Rp1.500.000,.00
Administration fee Rp100.000,00
So the total cost paid by Rp1.600.000,00

*)Return on Bank Services only 1 x paid up front, for the next installment of principal only.