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About BTN
Investor Relation PPID Career

Pembiayaan Konstruksi BTN iB

Develop a Property Business Full of Blessings

Solutions to facilitate the development of your property business with many conveniences and benefits in accordance with sharia principles

Pembiayaan Konstruksi BTN iB

Financing to meet the financial needs of customers based on cooperation between the Bank to carry out productive business in the form of housing project development and implemented in accordance with Sharia principles.

Tenor According to Needs

Enjoy financing terms according to the scale of the project

Share 80%

High share worth a maximum of 80% of the construction RAB

Payment of Sales Proceeds

Payment from the sale of the financed home

Disbursement According to Achievement

Ease of disbursement of financing according to project performance

Flexible Returns

Flexible financing returns based on the profit sharing principle

Attractive Collateral

Financing collateral based on the location of the project being carried out

Tenor According to Needs

Enjoy financing terms according to the scale of the project

Share 80%

High share worth a maximum of 80% of the construction RAB

Payment of Sales Proceeds

Payment from the sale of the financed home

Disbursement According to Achievement

Ease of disbursement of financing according to project performance

Flexible Returns

Flexible financing returns based on the profit sharing principle

Attractive Collateral

Financing collateral based on the location of the project being carried out



Terms & Conditions

  • Applicants can be legal entities and non-legal entities

  • Have ever built and sold housing or company management has worked for a housing development company for at least 1 year

  • The financing period is adjusted to the scale of the project

  • Maximum financing is 80% of the value of construction requirements

  • Disbursement of financing according to project performance

  • Collateral for financing the project location itself

  • Administration and Notary Fees

How to Register

  • 1
    Prepare Complete Documents

    The applicant prepares the required application documents completely.

  • 2
    Process and Verify Files

    The application files will be processed by BTN Syariah bank, including BI Checking, Data Verification and Analysis.

  • 3
    Prepare Sufficient Savings or Current Account Funds at BTN Syariah

    If the application is approved, the applicant prepares sufficient funds in BTN iB Savings or BTN iB Giro.

  • 4
    Financing Agreement

    Make an agreement with the bank regarding, among other things, financing objects, profit sharing, etc.

  • 5
    Application Disbursement Process

    If the financing agreement has been approved, BTN Syariah will disburse the applicant's application.

Find Your Answers to Your Questions

What is BTN iB Construction Financing?
BTN iB Construction Financing is a financing solution to meet customer funding needs based on cooperation between banks to carry out productive businesses in the form of housing construction and is carried out in accordance with sharia principles.
How much is the service fee for the BTN iB Construction Financing program?
The fees charged for applying for BTN iB Construction Financing consist of administration fees which amount to less than 1% of the financing ceiling.
Who can take part in the BTN iB Construction Financing program?
Applications for BTN iB Construction Financing must be made through the nearest BTN Syariah Branch Office by submitting an application letter accompanied by the legality of the applicant, the legality of the collateral and financial reports.

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