Labbaik Program Easy To Have a Home, Rewards to go Umrah

1 May 2023 - 31 Dec 2023

Low down payment, installments starting at IDR 1 million/month, prizes worth Umrah vouchers IDR 25 million

The Labbaik program is the right solution to make your dream of owning a house come true quickly with easy installments and prizes for going to Umrah.

Terms and Benefits:

  • Minimum ceiling of IDR 700 million
  • Maximum age at submission is 40 years old
  • Minimum tenor of 15 years


  • Prizes in the form of umrah vouchers worth IDR 25 million.
  • Prizes cannot be cashed or replaced with other prizes
  • Prizes are for 1 person and cannot be transferred to other parties except for a valid spouse (husband/wife). In addition, gifts can be transferred to heirs if the customer passed away.
  • If the Umrah package price exceeds the value of the voucher provided, the customer must add up the difference to match the latest price from the Umrah Travel Bureau which has collaborated with Bank OCBC NISP Syariah
  • Vouchers can only be used for departure schedules that have been determined by the Umrah Travel Bureau which has collaborated with Bank OCBC NISP Syariah

Rates and Terms of Redemption:

Facility Rates Information
KPR iB Easy Start with Umrah Prizes Payment admin fees 3% during the holding period, 2% after the holding period ends until the financing maturity.
Prize replacement fee for redemption before maturity Prize replacement fee scheme:
  • The holding period is IDR 25 million
  • After passing the holding period will be calculated to shrink according to Bank policy


  • Contract period July – December 2023, will depart February 2024.
  • Changes to the departure schedule can only be made 1 x according to the next departure schedule.
  • The departure date will be informed to the customer no later than 1 month before the departure date.
  • Customers are not allowed to choose an Umrah travel agency other than one that has collaborated with Bank OCBC NISP Syariah.

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