Bank Mandiri is the largest bank in Indonesia by total assets and one of the most trusted Kredit Pemilikan Rumah (KPR/mortgage) distribution partners. Realize your dream home with competitive interest rates, long tenors, and full guidance from the Mirailand team.

Bank Mandiri KPR Promo, Sept 2026

Enjoy various Mandiri KPR programs with competitive interest rates, tenors of up to 30 years, and easy financing for purchasing your dream home.

Mandiri KPR Regular Program

•  Tenor up to 30 years* 
• Down payment from 0%* subject to terms and conditions 
•  Supports Joint Income to increase financing capacity 
•  Program period until December 31, 2026

Special Program for PLN Group Employees

Enjoy the special Mandiri KPR program for PLN Group employees.

• Fixed interest rate throughout the tenor starting from 6.95% p.a.
•  Financing limit up to Rp15 Billion* 
•  Fast and easy application process 
•  Program period until December 31, 2026

Special Program for Ministry of Finance Employees

Especially for Ministry of Finance employees, a financing program with various benefits is available.

• Fixed interest rate throughout the year starting from 6.08% p.a.
•  Financing limit up to Rp15 Billion* 
•  Fast and easy process 
•  Program period until December 31, 2026

Note:
Interest rates and facilities follow Bank Mandiri's promotional program applicable at the time of application. Contact the Mirailand team or Mandiri Call 14000 for the latest information and simulations.

Bank Mandiri KPR Products

• KPR Mandiri — financing for the purchase of a house, shophouse (ruko), or apartment, whether new (primary) or previously owned (secondary) property.
• KPR Mandiri Milenial — a special scheme for young customers and professionals with longer tenors and lighter installments at the start.
• KPR Take Over & Top Up — transferring a mortgage from another bank to Bank Mandiri, with the option of additional funds for other needs.
• KPR Multiguna — a loan secured by a property certificate for consumptive or productive needs.

Key Advantages

• Long tenor of up to 30 years for purchasing a residential home or 15 years for purchasing an apartment/shophouse/shop-office, resulting in lighter installments.
• Financing ceiling of up to 90% of the property value, subject to the bank's appraisal and terms.
• Extensive network and a proven process as the largest KPR-distributing bank in Indonesia.
• Mirailand assistance from simulation, property selection, document completeness, to the signing (akad).

General Requirements

Applicant Criteria

• Indonesian citizen (WNI) and domiciled in Indonesia.
• Permanent employees aged 21–55 years; self-employed or professionals up to 65 years old when the mortgage is paid off.
• Have a steady income and a good credit history.

Documents to Prepare

• Employees: ID card (KTP), Family Card (Kartu Keluarga), Tax ID (NPWP), salary slip, and the last 3 months' bank statements.
• Self-employed: the above documents plus a business license (SIUP), deed of establishment, and the last 6 months' business account statements.
• Professionals: personal documents plus a practice license and the last 3 months' bank statements.

Apply for a Bank Mandiri Mortgage through Mirailand

Use the Mortgage Simulation on this page to estimate your monthly installments, then contact the Mirailand team for application assistance — from property selection, document completeness, to the signing process. Official product information is available at bankmandiri.co.id/kpr or through Mandiri Call 14000.