Performing umrah is a dream for many Muslims. One thing that is often considered before departure is the cost that needs to be prepared upfront, including the down payment (DP).
BFI Finance Syariah offers a 0% DP Program for the My Ihram product, an umrah financing that is unsecured (non-collateral) and requires no down payment. Through this program, customers do not need to pay a down payment when applying for umrah financing, subject to the applicable program terms.
So how does the financing scheme work, who can apply, and what are the requirements? Here is the information.
What Is the My Ihram 0% DP Program?
The 0% DP program is an umrah financing program for the My Ihram product, which is financing without collateral or security.
Under this scheme, the DP paid by the customer is 0%, both for new customers and for customers who have previously used BFI Finance's services.
Details of 0% DP Umrah Financing
1. Tenor Options
Several payment periods are available, which can be adjusted to the terms and the customer's ability:
- 3 months
- 6 months
- 12 months
- 18 months
- 24 months
- 36 months
2. Administration Fee
The administration fee is set at Rp1,500,000. This is a fixed fee, paid upfront and directly to BFI Finance.
So, 0% DP does not mean there are no upfront costs at all. Customers still need to factor in this administration fee when applying for financing.
BFI Finance Syariah Umrah Travel Partners
For the umrah trip itself, BFI Finance Syariah works with a number of travel partners that have a Cooperation Agreement (Perjanjian Kerja Sama, PKS).
The following travel partners are included in the 0% DP umrah financing program:
- PT Samira Ali Wisata — Samira Travel
- PT Tanur Muthmainnah Tour — Tanur Muthmainnah
- PT Jannah Firdaus Tour & Travel — Jannah Firdaus Travel
- PT Al Shafwah Wisata Mandiri — Smarts Umrah
- PT Dago Wisata International — Dago Wisata
- PT Kanomas Arci Wisata — Kanomas Travel
- PT Cemerlang Hajar Aswad — Chatour
- PT Manasik Haji Umroh — MHU Travel
- PT Ventura Semesta Wisata — Ventour
- PT Pariwisata Andalan Indonesia — Padi Tour
- PT Khazzannah Al Anshary — Khazzannah Travel
- PT Rahmah Group Internasional — Rahmah Travel
- PT Madinah Iman Wisata — MIW Travel
Before applying for financing, customers can contact the travel partner available in their area to find out about umrah package options and departure schedules.
Application Requirements and Program Areas
In addition to meeting the program terms, the financing application must also meet the requirements set by BFI Finance Syariah.
Some requirements to note include:
Residence Status
The residence may be registered under the name of:
- The customer
- A spouse
- A biological parent
Credit History
Applicants are expected to have no arrears, so that approval can proceed quickly and with a high chance of success.
Income Documents
Documents that can be used to show income include:
- A recent savings account statement; or
- A recent payslip.
Areas Covered by the 0% DP Program
The 0% DP marketing program for My Ihram umrah financing is available in the following areas:
- JABODETABEK — Jakarta, Bogor, Depok, Tangerang, and Bekasi
- Bandung
- Surabaya
Before Applying, Read the RIPLAY First
Before taking financing, customers should understand all product information, including the financing structure, fees, tenor, and other terms.
The official Product and/or Service Information Summary (Ringkasan Informasi Produk dan/atau Layanan, RIPLAY) for BFI Finance Syariah Umrah–Multi-Service (Multijasa) Financing can be accessed via the following link:
👉 Download the RIPLAY for Umrah–Multijasa Financing (My Ihram & My Hajat)
How Do You Apply for Umrah Financing?
If you have chosen an umrah package and a suitable travel partner, you can apply through a BFI Finance Syariah branch office or an official travel partner cooperating with BFI Finance in the areas covered by the program.
Make sure all required documents are prepared so that the application process can proceed according to the requirements.
With the 0% DP scheme, customers can apply for umrah financing without having to prepare a down payment. However, keep paying attention to the administration fee, tenor options, margin/ujrah, and your ability to pay before taking the financing.