Ease of having the necessary consumer/productive goods, both tangible and intangible

• Tangible

  • Motor vehicle

  • Electronic goods

  • Goods that do not conflict with sharia aspects

• Intangible

  • Service education

  • Health services

  • Other consumer needs

Can pay in installments in installments that will not change during the agreement period.

Individual Customers (WNI) must be at least 21 years old or have/have been married

Must have/open an iB Savings/Current account at the Bank

Have a fixed income (fixed income) payroll for KB Bank Syariah

Can be given without down payment

Can pay in installments in installments that will not change during the agreement period.

Financing term:

• Tangible goods must last a minimum of 1 year and a maximum of 5 years

• Intangible goods minimum 1 year, maximum 15 years

The minimum financing is set at IDR 5,000,000,- and the maximum is IDR 300,000,000,-

The maximum age when the financing is paid off is:

• Employees/Permanent Employees: 55 years old

• Civil Servants: 58 - 75 years (according to applicable state regulations)

Employee:

• Copy of KTP or Passport

• Copy of husband's or wife's KTP (for those who are married)

• Copy of family card

• Copy of marriage certificate or divorce certificate (for those who are married or divorced)

• Last pay slip

• Copy NPWP

• Bank statement for the last 6 months

• Collateral legality

Self-employed:

• Copy of KTP or Passport

• Copy of husband's or wife's KTP (for those who are married)

• Copy of family card

• Copy of marriage certificate or divorce certificate (for those who are married or divorced)

• Company deed, TDP, and SIUP

• Copy NPWP

• Bank statement for the last 6 months

• Financial reports 

• Collateral legality

Profesional

• Copy KTP atau Passport

• Copy of husband's or wife's KTP (for those who are married)

• Copy of family card

• Copy of marriage certificate or divorce certificate (for those who are married or divorced)

• Professional practice license

• Copy NPWP

• Bank statement for the last 6 months

• Financial reports 

• Collateral legality

Administrative costs are a minimum of 1% of the iB Multiguna BISA financing (real costs)

The bank has the right to reject product applications submitted if they do not meet the requirements, applicable regulations and sharia principles

The Bank does not finance intangible goods/products that have been previously obtained and paid for by the Customer