How to Apply for a Loan at BSI and the Requirements

Lovata Andrean

Bank Mandiri Syariah Loans
Bank Mandiri Syariah Loans

Rancakmedia.com – The following is how to apply for a loan at BSI or Mandiri sharia bank which you can do easily and also know the requirements in this article, happy reading.

Sharia banks are financial organizations that operate based on sharia principles in Islam. Even though they have been in Indonesia for a long time, some people still don't fully understand the difference between sharia cash loans and conventional banks.

Existence Islamic Bank offers additional options for people to obtain goods finance. Like conventional banks, Islamic banks also have the right to be accessed by anyone, including their loan facilities.

There are at least four differences in loan funds between Islamic and conventional banks, namely:

  1. Flower. Conventional banks use loan contracts. So the creditor is obliged to pay the loan along with interest. Meanwhile, conventional banks use sales and purchase contracts.
  2. Stake. In conventional banks, consumers face all the risks. Meanwhile, Islamic banks also bear the risks that arise.
  3. Halal. Sharia banks require customers to indicate their intended use so as not to deviate from sharia standards.
  4. Availability. Both banks have almost the same papers. However, Islamic banks offer additional products, such as Hajj financing and education funds.

How to Apply for a Loan at the Latest BSI

How to Apply for a Loan at BSI

Formally, Mandiri Syariah Bank became a sharia-based bank in 1999. Previously, this bank had been a conventional bank for several years.

Bank Syariah Mandiri offers various financial products that can be accessed by anyone. So how?

Multipurpose Microfinance

This financing is intended for any purpose that does not conflict with sharia or state laws and regulations. The maximum amount of credit offered is IDR 200 million with a maximum term of 88 years.

Requirements:

  • Indonesian citizens.
  • Minimum age 2 years.
  • Minimum age 21 years or married or paid in full for a maximum of 6 years for workers and 65 years for entrepreneurs.
  • Husband/wife ID card (divorce/death certificate), family card, marriage certificate (marriage certificate).
  • Tenor: working capital (up to 48 months), investment (up to 60 months).
  • Business certificate/employment certificate.

BSM Griya

Financing for the purchase of new and used homes in developer and non-developer environments.

Requirements:

  • Indonesian citizens.
  • Minimum age 21 years and maximum 55 years at maturity.
  • Maximum financing is 70 percent of the property price.
  • Installments are less than or equal to 40 percent of monthly income.

BSM Auto

Financing the purchase of motor vehicles using the murabahah principle.

Requirements:

  • Work.
  • Minimum 21 years and maximum 55 years at maturity.
  • Alone or together.

BSM Implant

Financing and rupiah currency offered by permanent workers as a group is a minimum of IDR 5 million and a maximum of IDR 250 million per prospective customer.

Requirements:

  • This is done through the business where the potential client works.
  • One group has a minimum of 10 people or Rp. 100 million.
  • This categorization is adjusted to the type of financing, such as home ownership financing, consumer needs, or car purchases.

Also Read

Share:

Lovata Andrean

Hi, I'm Lovata, I'm not Ai but I am a content writer for SEO, Technology, Finance, Travel, Cooking Recipes and others. I hope this can be useful for all my friends. Thanks