Pembiayaan Pemilikan Rumah iB

Simulation Results
Investment Goals	Future Investment
Komparasi Jenis Aset Konvensional :	Time Deposit
Komparasi Jenis Aset Investasi :	Small Mid Cap Equity Funds
Nominal Investasi Awal	0,00
Nominal Investasi Bulanan	0,00

Time Deposit	Small Mid Cap Equity Funds
Total Savings + Return 71.228.531,00	Total Savings + Return 78.729.940,72
Total Savings 70.000.000,00	Total Savings 70.000.000,00
Total Return 1.228.531,00	Total Return 8.729.940,72
Nilai Pertumbuhan % 1,76%	Nilai Pertumbuhan % 12,47%
Jangka Waktu Investasi 20 Tahunan	Jangka Waktu Investasi 20 Tahunan

Simulation
Property Prices	0,00
Down Payment	0,00
Investment Period	1 Year
Annual Interest Rate (%)	0%
Loan Amount	0,00
Monthly Installment	0,00

Simulation Results:
Your Loan Amount	0,00
Loan Period	1 Month
Monthly Interest Rate (%)	0%
Total Monthly Installment	0,00

Simulation Table
Type of Loan	Simple Working Capital
Type of Business	Service
Monthly Sales	0
Total Loans from Other Banks	0
Kebutuhan Modal Kerja	0
Total limit yang dapat diberikan	0

Simulation Table
Type of Loan	Complete Working Capital
Average monthly sales	0
Cost of goods sold	0
Siklus Modal Kerja	0
Piutang	0
Inventori	0
Hutang Dagang	0
Kebutuhan Modal Kerja	0

Product Information

Pembiayaan Pemilikan Rumah is a financing facility provided by PT Bank Danamon Indonesia Tbk – Sharia Business Unit, secured by property collateral, with an installment period of a minimum of 1 (one) year and a maximum of 30 (thirty) years for purchases from selected partnered developers, based on Sharia principles.

There are 5 financing products, namely:

Pembiayaan Pemilikan Rumah iB (PPR) / Home Financing)

Financing for the ownership of a house, shop-house, office-house, or apartment—whether new (primary) or pre-owned (secondary)—with the property condition being either ready stock or under construction, with a tenor of up to 30 (thirty) years.
Pembiayaan Kavling Siap Bangun (PKSB) / Ready-to-Build Plot Financing

Financing provided for the purchase of a land plot on which a residential house will be built. PKSB is only offered for locations developed by Top Tier and Mid Tier developers. The maximum financing amount is IDR 15 billion with an installment period of 1 to 7 years.
Pembiayaan Perbaikan dan Pembangunan Rumah (PPPR) / Home Improvement and Construction Financing

Financing provided for the purpose of building or renovating a residential house, shop-house, office-house, or apartment. The maximum financing amount is IDR 15 billion with an installment period of 1 to 10 years.
Pembiayaan Multi Guna (PMG) / Multipurpose Financing

Multipurpose Financing is a facility that provides cash funds using an asset already owned by the customer as collateral. Obtain financing of up to IDR 8 billion with an installment period of up to 10 years.
Balance Transfer / Take Over

A product that transfers PPR iB / PPA / PMG facilities from another bank—whether conventional or Sharia—to Danamon Syariah.

Product Advantages

Competitive profit‑sharing / ujroh and low fees
Financing up to IDR 15 billion
Financing tenor of up to 30 years

Contract

The following are the property financing contracts available at Danamon Syariah:

Musyarakah Mutanaqisah (MMQ) Contract

It is a financing contract based on a joint‑capital principle between the Customer and the Bank for the purchase of property. The Customer’s installment payments are used to gradually purchase the Bank’s ownership portion, thereby increasing the Customer’s share. By the end of the financing period, the property becomes fully owned by the Customer.
Ijarah Muntahiya Bit Tamlik (IMBT) Contract

It is a financing contract with a lease agreement between the owner of the IMBT asset (the Bank) and the lessee (the Customer), based on a rental period agreed upon by both the Bank and the Customer. During the lease period, the Customer is obligated to pay the rental fee (ujroh) to the Bank. At the end of the lease period, the Bank transfers ownership of the IMBT asset to the Customer through a Sale and Purchase contract or a Grant contract.

Required Application Documents

No	Type of Documents	Employee	Self-Employed	Profesional
1	Photocopy of Debtor’s ID Card (Husband & Wife)	✓	✓	✓
2	Photocopy of Family Card (KK)	✓	✓	✓
3	Photocopy of Marriage Certificate / Divorce Certificate / Death Certificate (for those who are married)	✓	✓	✓
4	Photocopy of Taxpayer Identification Number (NPWP)	✓	✓	✓
5	Last 3 months’ Salary Slip and employment certificate from the company	✓	x	x
6	Photocopy of Bank Account Statement (Savings/Current Account for the last 3 months)	✓	✓	✓
7	Photocopy of Business Legality Documents (Deed of PT/CV and NIB or SIP)	x	✓	✓
8	Photocopy of collateral documents (IMB/PBG Certificate, PBB, and latest STTS)	✓	✓	✓
9	Financial Statements for the last 2 years for applicants with a legal entity business and applying for financing ≤IDR 5 Billion	x	✓	x

Features

Product Features under the Musyarakah Mutanaqisah (MMQ) Contract

DESCRIPTION	MMQ - SYARIAH
Installment Scheme	Fixed Annuity Installments
Profit Sharing Review	Fixed period of 1, 2, 3, and 5 years (according to the Financing contract)
Profit Sharing Review	Profit sharing review (floating) after the fixed period, conducted periodically
Asset Condition	Ready Stock & Indent
Financing Top Up	Allowed
Partial Early Settlement	Allowed
Full Early Settlement	Allowed
Ownership Status	Joint ownership, with the certificate in the Customer’s name. The Bank’s ownership portion will decrease as the Customer makes installment payments, and the asset will become 100% owned by the Customer at the end of the financing period.
Disbursement Administration Fee	According to the bank’s regulations

Product Features under the Ijarah Muntahiya Bit Tamlik (IMBT) Contract

DESCRIPTION	IMBT - SYARIAH
Installment Scheme	Fixed principal with a declining margin structure, resulting in lower total Ujrah payable and a decreasing installment payment scheme.
Review of the Rental Fee (Ujrah)	Fixed period for the first 5 years (according to the Financing contract)
Review of the Rental Fee (Ujrah)	Ujrah review (floating) after the fixed period, conducted periodically
Asset Condition	Ready Stock
Financing Top Up	Not allowed (except when done together with a Take Over).
Partial Early Settlement	Not allowed
Full Early Settlement	Allowed
Ownership Status	Under the contract, the asset is owned by the bank (the certificate remains in the Customer’s name), and the transfer of ownership to the Customer occurs when the lease period end.
Disbursement Administration Fee	According to the bank’s regulations

Simulation

Below is a simulation of the Syariah Home Financing (PPRS) product) :

Product Name	Pembiayaan Pemilikan Rumah Syariah
Financing-to-Property/Asset Value Ratio	90% (or in accordance with the prevailing regulations of Bank Indonesia)
Monthly Net Income	IDR 15,000,000
Property / Asset Value	IDR 800,000,000
Down Payment (%)	10%
Amount Down Payment	IDR 80,000,000
Financing Amount	IDR 720,000,000
Financing Period	15 Years
Profit Sharing / Ujrah (%)	3.65% fixed for 3 years (based on the applicable Profit‑Sharing / Ujrah calculation at the time of application)
Installment Amount	IDR 5,200,354 fix for 3 years
Debt Service Ratio (Installment‑to‑Income Ratio)	35%

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