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 (PPR) iB is a financing facility provided by the Sharia Business Unit of PT Bank Danamon Indonesia Tbk with property collateral, with an installment period of at least 1 (one) year and a maximum of 30 (thirty) years for purchases at selected developers, based on Sharia principles.

Achieve the convenience and comfort of having a blessed residence with Danamon Syariah which provides financing facilities for buying, building, and renovating properties.

There are 5 financing products, namely:

(PPR/PPA) Pembiayaan Pemilikan Rumah / Apartemen

Financing for the ownership of houses / shophouses / apartments both new (primary) and used (secondary) with ready stock and indent building conditions, with a tenor of up to 30 (thirty) years. More info, click here.
(PKSB) Pembiayaan Kavling Siap Bangun

Financing for the purchase of ready-to-build land / plots with a maximum financing of IDR 15 billion & a term of up to 7 years. More info, click here.
Pembiayaan Perbaikan dan Pembangunan Rumah (PPPR)

Financing for building residential houses, shophouses, and apartments, or repair/renovation of houses, shophouses, offices, and apartments. More info, click here.
Pembiayaan Multi Guna (PMG)

Financing is used to get funds back on assets that are already owned and can be used for multipurpose purposes (refinancing), with a maximum financing limit of IDR 8 billion for a tenor of up to 10 years. More info, click here.
Balance Transfer / Take Over

A product that facilitates the transfer of PPR iB / PPA / PMG financing from other banks, both conventional and Sharia to Danamon Syariah.

Product Advantages

Competitive revenue sharing and low cost
Financing starting from IDR 100 Million to IDR 15 Billion
Financing tenure up to 30 years*

*) Maximum tenor of 30 years for selected top tier developers.

Contract

The following are the property financing contracts in Danamon Syariah:

Musyarakah Mutanaqisah (MMQ) Contract

The Musyarakah Mutanaqisah (MMQ) contract is a financing contract with the principle of joint capital between the Customer and the Bank for the purchase of property. Installment payments by the Customer are used to purchase the Bank's capital portion in stages so that the Customer's capital portion will increase and at the end of the full financing the property will become the Customer's property.
Ijarah Muntahiya Bit Tamlik (IMBT) Contract

Ijarah Muntahiya Bittamlik (IMBT) contract is a financing contract with a lease agreement between the owner of the IMBT object (Bank) and the tenant (Customer) based on the rental period agreed upon by the Bank and the Customer. During the rental period, the Customer is obliged to pay the rental price (ujroh) to the Bank. At the end of the lease period, the Bank transfers ownership of the IMBT object to the Customer through a Sale and Purchase / Grant agreement.

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%

More info on Pembiayaan Pemilikan Rumah Danamon Lebih Syariah, click here

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