Make your Umrah pilgrimage a peaceful and blessed one. Find a financing solution for your Umrah pilgrimage by applying for Maybank Personal Financing iB and receive an Umrah discount voucher worth IDR 2 million. For easy monthly installment payments, use auto-debit from Maybank iB Savings Account.

Maybank Personal Financing iB Info

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Period until 31 December 2025

Terms and Conditions:

1. This program is valid for Customers applying for Maybank Personal Financing iB specifically for Umrah financing, subject to the following conditions:
   1. Requirements:
      1. Indonesian citizens.
      2. Minimum age of 21 years at the time of financing application and a maximum age of 55 years at the time of financing expiration.
      3. Minimum income of IDR4 million/month.
      4. Minimum 1 year of service for employees.
      5. Minimum 2 years of service for professionals and self-employed individuals.
      6. Complete the application form and complete the required documents, with the following details:

         No	Document	Private Employee	Entrepreneur	Professional	Maybank Credit Card*
         1	Signed Application Form	Original	Original	Original	Original
         2	Asset Ownership Declaration (applicable for Musyarakah Mutanaqisah contract)¹	Original	Original	Original	Original
         3	National ID Card (KTP)	Copy	Copy	Copy	Copy
         4	Salary Slip²	Original	-	-	-
         5	Maybank Credit Card3)	-	-	-	Copy
         6	Business License (SIUP/TDP/TDI/SITU/Practice License)	-	Copy	Copy	-
         7	Last 3 Months Bank Statement	-	Copy	Copy	-
         8	Tax Identification Number (NPWP)4)	Copy	Copy	Copy	Copy
         9	Prenuptial Agreement5)	Copy	Copy	Copy	Copy

         For Maybank Credit Card/Customers who already have financing with Maybank, it is not required to submit salary slips, business license (SIUP), or the last 3 months’ bank statements.
         ¹⁾ Attach a copy of the asset ownership document that will be used as the object of MMq (Musyarakah Mutanaqisah). The asset may be in the form of a house, apartment, or motor vehicle.
         ²⁾ Salary slip valid within the last 2 months from the application submission date. Salary slip may be in the form of e-salary or carbonized slip.
         ³⁾ Minimum Maybank Credit Card membership period is 2 years, with a minimum financing limit of IDR5 million.
         ⁴⁾ Tax Identification Number (NPWP) must be provided if the financing obtained is ≥ IDR50 million.
         ⁵⁾ Required if the applicant is married and has a Prenuptial Agreement.

   2. Maybank Personal Financing iB Financing Terms:
      1. Margin/ujrah rate scheme and administrative fees:

         Customer Type	Monthly Margin/Ujrah*					Administrative Fee**
         	12 months	24 months	36 months	48 months	60 months
         Maybank Payroll Customer (Income IDR4–6 million)***	0,99%	1,09%	1,19%	1,29%	1,39%	1,50%
         Maybank Payroll Customer (Income > IDR6 million)***	0,89%	0,99%	1,09%	1,19%	1,29%
         Maybank Non-Payroll Customer (Cross Sell)	1,29%	1,39%	1,49%	N/A	N/A	IDR250.000
         Non-Maybank Customers (Regular)	1,79%	1,89%	1,99%	N/A	N/A	3,50%

         *The applicable margin/ujrah rate is calculated on a flat annuity basis with fixed monthly installments, where the principal and margin/ujrah portions change each month. Margin/ujrah rates are subject to change at the Bank’s discretion with prior notice.
         **Minimum administrative fee is IDR250,000.
         ***Payroll Customers are invited by the Bank based on criteria and terms determined by Bank.
   3. Applicable Fees:
      1. Late payment fee of up to 5% of the outstanding financing amount plus IDR100,000*
      2. Early settlement fee based on the remaining tenor of the financing:

         Early Settlement Fee**
         Remaining	Outstanding Principal Financing***	Administrative Fee**
         <= 6 months	5%	IDR0
         > 6 months – 24 months	6%	IDR250,000
         > 24 months	6%	IDR300,000

         *Late payment fees will be allocated for social funds and compensation (Ta’widh).
         **Not applicable to Maybank employees & consolidation.
         ***Includes 1 installment.
         ****Administrative fee will be charged if the customer’s Maybank Personal Financing iB account has been closed but still has an excess balance of IDR100,000/month.
2. Mechanism of Application up to Disbursement & Installment Payment:
   1. Application for Maybank Personal Financing iB and opening of Maybank iB Savings Account for monthly installment payments via auto-debit are conducted at the nearest Maybank branch. Branch locations.
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   2. Approval process takes a maximum of 5 working days after complete documents are received.
   3. Once the financing is approved, the customer will receive a notification within a maximum of 3 working days via the email registered in Maybank’s system.
   4. Funds will be disbursed directly into Maybank iB Savings Account no later than 3 working days after financing approval.
3. Terms & Conditions of the Umrah Discount Voucher worth IDR2,5 million:
   1. The discount voucher can only be used to claim Umrah packages at Khalifah Asia Tour & Travel.
   2. Voucher is valid for all Umrah packages, including Umrah Plus.
   3. Voucher is non-transferable to other parties.
   4. Voucher cannot be redeemed for cash or exchanged for other rewards.
   5. Voucher will be sent within a maximum of 60 working days from the time the Customer successfully participates in the program.
4. Khalifah Asia Tour & Travel (PT. Indonesia International Business) is an official Hajj & Umrah partner in cooperation with Maybank Indonesia until 31 December 2025. The partner operates in Hajj & Umrah Travel Bureau activities and is licensed under the Ministry of Religious Affairs.
5. Provision and services of the Umrah facilities are entirely the responsibility of the Hajj & Umrah Partner.
6. Customers agree to be contacted by the Hajj & Umrah Partner for verification and Umrah package offers.
7. If there are any complaints from Customers regarding Umrah services, Customers may directly contact the PIC (Person in Charge) of Khalifah Asia Tour & Travel.
8. If there is a change in the Umrah schedule from the Hajj & Umrah Partner resulting in travel dates outside the voucher validity period, the voucher remains valid for the nearest available schedule after the voucher’s validity period.
9. Any price increase in the Umrah package shall be borne by the Customer.
10. Umrah package is not a product of Maybank Indonesia.
11. Guarantee of departure and Umrah travel services are entirely the responsibility of Khalifah Asia Tour & Travel.
12. PT Bank Maybank Indonesia Tbk reserves the right to cancel, postpone, extend, or terminate this program earlier; vary, remove, or add any terms and conditions at its sole discretion, with prior notice given in accordance with applicable regulations and information made available at www.maybank.co.id.
13. PT Bank Maybank Indonesia Tbk at any time, at its sole discretion, reserves the right to disqualify any Customer proven or suspected to have committed fraud, violated applicable laws and regulations, and/or carried out other deliberate manipulation in relation to the implementation of this program.