Kredit Serbaguna Mandiri Baru

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Mandiri KSM

Mandiri KSM is a credit-issuing facility provided to employees with a fixed income, a secure profession, to finance their various needs.

This facility can support different expenditures, such as education, marriage, health, home renovation, and others.

 
 
Apply now on Livin' by Mandiri
 
 
 
 
 

With Mandiri KSM, you are entitled to the following benefits:

  • Competitive interest rates
  • Quick and easy process, funds disbursed within 1 day upon receipt of required documents
  • Low credit fees
  • Up to Rp1.5 billion credit limit
  • Up to 15 years of loan tenure
  • No collateral required
 
 

Interested in applying for KSM at Bank Mandiri? See whether you meet the following terms and conditions:

 
 
  • Indonesian citizen (WNI) currently residing in Indonesia
  • Minimum age requirement: 21 years, maximum age requirement: not yet entering retirement age at the time of credit acquittal
  • Minimum income requirement of Rp3 million
  • Applications on the Livin' by Mandiri app are available to selected customers
 
 

Fees:

Cost Allocation Credit Fees
Life Insurance In accordance with applicable regulations (if required)
Provision Starting from 1% of agreed credit limit
Administration Fee Starting from Rp 100,000.
 
 
No Document Requirements PNS/TNI/POLRI BUMN/BUMD/SWASTA
1 Physical Application From to be fully and correctly completed V V
2 Copy of Applicant's e-ID Card V V
3 Copy of Tax Identification Number (NPWP) (only for >Rp 50 million credit limit) V V
4 Original Salary Slip/Last Income Statement (only for non-payroll employees) V V
5 Original Employee Appointment Decree from a verifiable institution (only for TNI/POLRI)* V -
 
 

How to apply for KSM?

KSM application can be done through the following methods:

  • Application through nearest branch/unit of Bank Mandiri
  • Application through Livin' by Mandiri app by clicking https://bmri.id/livinxKSM
  • Application through Mandiri KSM Application website by clicking https://bmri.id/KTAMandiri
  • Official telemarketing offers from Bank Mandiri

Telesales

  • Telesales is one of our marketing channels through Telesales Agents offering KSM, particularly for Top Up program.
  • KSM Telesales Agents are based in Jakarta and offer services to Bank Mandiri customers throughout Indonesia by phone.
  • Offers are made on weekdays, Monday to Friday from 08:00 to 16:30 WIB, except on national holidays, as regulated by OJK.
  • Conversations between Telemarketing Agents and Debitor are recorded to enhance the quality of our offers.

Risk Implication

Generally, the risk is deemed very low unless there are some unforeseen circumstances occur (e.g., debtors were laid off that impacting to their ability to pay the loan, changes on the payroll account which resulting the Bank needs to have some adjustments to the features)

Simulation

Simulation of Mandiri KSM*

Employee Status :Permanent Employee, Payrolled in Bank Mandiri
Loan Amount : IDR 250.000.000
Loan Period : 10 years
Interest Rate : 10,5%* effective p.a

 
 
Estimated Installment Date Estimated Loan Amount Estimated Installment
Due to salary payment date 250.000.000 3.373.275

* Terms & Condition Applied

 
 
 
 
 
 

For More Information

Please visit the nearest Bank Mandiri or Mandiri Call at 14000.