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BNI Griya iB Hasanah

 

The BNI Syariah Mortgage Loan (Griya iB Hasanah) is a financing facility made available to consumers for the purchase, construction, or renovation of a house (including shop-houses, rumah susun, home offices, apartments, or similar building types) as well as for the purchase of kavling or houses paid in down payment; the amount of financing will be adjusted in accordance with the specific needs and repayment capacity of each applicant.

Benefits :

  • Faster application process with easier requirements as per shariah principles.
  • Maximum mortgage loan amount of Rp. 5,000,000,000,-.
  • Loan period of 15 years with the exception of kavling purchases which are subject to a maximum loan period of 10 years or can be adjusted in accordance with the financial capacity of applicants.
  • Low downpayment associated with the mortgage loan use.
  • Fixed monthly instalments until loan settlement is reached.
  • Loan instalment payments can be made through the auto-debit facility or at any BNI Syariah and conventional BNI branch office.

Agreement :

Murabahah.

Requirements :

  • Indonesian citizen
  • Minimum 21 years old and loan payments must be settled upon reaching the pension age.
  • Have a fixed income and a minimum working history of 2 years.
  • Completion of required application forms and documents.

Applicable Fees/Charges:

  • Insurance: Life and General.
  • Notary fees, duty stamps, etc : In accordance with applicable regulations.

*Charges are subject to change at any period of time without prior announcement.

FAQ Griya iB Hasanah :

Question Answer
Can BNI Syariah takeover mortgage loans from a different bank? Insya Allah it is possible under the following conditions :

 

Takeover Conditions :

  1. Completion of mortgage loan application at a BNI Syariah branch office.
  2. Submit a photocopy of identification card, family card/KK, and marriage certificate.
  3. Submit an original version of employment status confirmation letter.
  4. Submit payslips from the past 3 months.
  5. Submit proof on the active status of a checking account based on the past 3 months.
  6. Submit a photocopy of certificate, building construction permit/IMB, and PBB from the past 3 years (for the house designated for takeover).
  7. Submit a photocopy of the loan agreement with the previous bank and a loan account from the past 6 months.
  8. Mortgage loans at the previous bank must be ongoing for a minimum of 1 year.

Mandatory Fees:

  1. Life insurance.
  2. Fire insurance.
  3. Administrative bank fees.
  4. Notary fees.
How can I calculate monthly loan instalments for my BNI Syariah Mortgage Loan (Griya iB Hasanah)? To calculate your instalments, please click here.
Is land purchase possible? Yes, it is. After 1-2 years, housing construction must take place on the land.
What are the requirements for the purchase of a second-hand (used) house through BNI Syariah’s Mortgage Loan (Griya iB Hasanah) facility? Please ensure the obtainment of SHM (right to ownership certificate) and IMB (building construction permit).
Where is the nearest branch office? To find the nearest BNI Syariah branch office, please click here.

Simulation

Simulation BNI Griya iB Hasanah