How to Apply for Fast Unsecured Loans at Bank Mandiri


One of the banks recommended as a safe and easy place to save money is Bank Mandiri. To be a Mandiri bank customer the requirements and stages are quite easy.

All you have to do is bring your KTP and of course what is still valid is also the amount of money for the initial deposit, then submit it to customer service at the Mandiri bank branch office, then you just have to wait a while and now you are a Mandiri bank customer and can start saving at the bank.

Bank Mandiri Unsecured Loans (KTA) are unsecured money loans offered by Bank Mandiri in the context of meeting the needs of life.

To be able to apply for a fast loan at Bank Mandiri, prospective borrowers should have a savings / checking account at Bank Mandiri or Non Mandiri. KTA Mandiri loans are not interest-free loans. KTA Mandiri is a fast loan aimed at people who need fast money loans.

The process of applying for or requesting a loan without collateral for a bank Mandiri loan is relatively easy and the customer must be able to meet the requirements and conditions made by Bank Mandiri. The customer is also required to be able to agree on the interest rate applied to this unsecured loan.

Loans using this KTA to help customers meet their cost or financial needs, either as business capital or other consumptive needs.

Lately, KTA Mandiri has been challenged by attendance fintech online loans many of which appear offering direct loans quickly liquid and without any collateral only ID cards. However, Bank Mandiri has a number of advantages that keep it highly sought after.

However, if KTA Mandiri does not continue to improve quality and service, the presence of an Online loan from Fintech can be a serious threat because of this this loan very interesting for people to apply for loans.

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Requirements for Bank Mandiri Unsecured Loans

KTA is one of the 5 types of loan that has been provided by Bank Mandiri and can be considered the most special because it can be done without collateral.

This Unsecured Loan Loan can be used to meet a variety of needs, both urgent and other uses, such as education, medication, holidays, purchase of goods, and so forth.

Don't forget to understand about the type of investment that is considered the safest and most profitable.

The interest system applied here is a floating model system. Then, the bill payment method can be done easily with an auto debit system from a Mandiri savings or checking account owned by a customer.

Credit Application

The following are some of the requirements that must be met by KTA Bank Mandiri applicants:

  1. Fill in the loan application form without the bank collateral provided by the clerk, please fill in the requested data and make sure that everything is complete.
  2. Photocopy of husband and wife EKTP (If not married enough with the applicant's ID card only)
  3. Photocopy of KK (valid KK)
  4. Photocopy of original and most recent salary slip
  5. Print payroll account statement last 3 months ORIGINAL (Photocopy of savings last 3 months)
  6. Photocopy of personal NPWP.

Applicant's Provisions

  1. Indonesian Citizen (WNI) & domiciled in Indonesia.
  2. Minimum age 21 years & maximum 55 years (when the credit is paid off)
  3. Minimum income of Rp. 2.5 million / month (for Bank Mandiri payroll customers)
  4. Minimum income of IDR 3 million / month (for Bank Mandiri Non Payroll customers)
  5. Credit limit is maximum 5 times salary (Rp.5 million to Rp. 200 million)

Document Requirements

  1. The original Application Form is filled in completely
  2. Copy of Applicant's KTP
  3. Original / Copy of Salary Slip
  4. Copy of Practice License / Professional License (SIUP)
  5. Original Current Account / Copy of Savings Account
  6. Copy of Credit Card (front and back) and original Bill last 1 month
  7. Copy of NPWP / SPT

To be able to apply for unsecured loans from Mandiri banks, customers must be at least 21 years old and up to the age of 55 years the credit deadline must be paid in full. Then, it must also have a minimum income in each month amounting to Rp 2,500,000 (two million five hundred thousand rupiah per month).

Beyond these provisions it is certain that the credit application or application will never be approved. Customers can borrow money through KTA Mandiri starting from IDR 5 million to IDR 200 million.

And Term Options ranging from 12, 18, 24, 30 and 36 months. Annual fee / interest rate of 2-3% of the credit limit. Whereas the implementation of the credit application process can be done at each branch office of Bank Mandiri.

What is the Tenor (Term Options) Maximum Loans from KTA Mandiri?

KTA Mandiri certainly offers flexibility in the choice of loan tenures that can be adjusted to the ability of the applicant, starting from 12 months, 18 months, 24 months, 30 months and even up to 36 months (specifically KTA Payroll can reach 60 months).

Paying earlier than the credit tenor chosen at the time of submission may be possible. The customer only needs to pay the remaining available credit. It's just that the customer will later be charged an initial repayment fee of 5% of the remaining principal debt to be repaid.

Before we submit an application for KTA Mandiri, Bank Mandiri has required debtor candidates to open a Bank Mandiri savings account that will be used as a source of customer payment.

Then, with a direct system every month, Bank Mandiri will carry out automatic account debits from savings / current accounts on behalf of the applicant until the credit is repaid.

Therefore, customers should also prepare the balance in the savings account with a minimum installment plus a minimum balance and savings / current account administration fee on each maturity date of the KTA Mandiri installments.

The maturity date of the KTA Mandiri installment itself will be decided by adjusting the KTA Mandiri disbursement date or can request an adjustment to the salary payment date (specifically for employees).

Also make sure your balance is sufficient to make installment payments. You can do additional balance by transferring from other banks, moving books through tellers, ATMs, Internet Banking or SMS Banking.

If you are looking for other KTA loans offered by other banks in Indonesia, you might also consider:

Mandiri Micro Business Credit

Bank Mandiri provides loans to you to help build your business. This Mandiri loan has a total loan of Rp. 100,000,000 and affordable interest at 12%. This loan can be obtained for a period of 3 years.

Amar Bank Tunaiku

Do you also need a quick and short loan for emergency needs? Get a loan that can be sought for you within 24 hours and has very mild requirements.

The minimum income needed for my cash loan is only IDR 1,000,000 and with a term of up to 1 year. And the maximum loan can reach up to Rp 10,000,0000.

KTA Standard Chartered

With this Standard Chartered KTA, you can enjoy cash quickly with an interest rate of 11.88% per year. In addition, this loan also has a term of up to 5 years with an income requirement of Rp. 2,700,0000 per month.

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