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About BTN
Investor Relation PPID Career
KPR BTN Indent iB

Have a Dream Home Full of Blessings

Ease of realizing your dream home without hesitation through Istishna contract

KPR BTN Indent iB

KPR BTN Indent iB is a sharia financing facility that uses the "Istishna" contract or sale and purchase of orders in accordance with sharia intended specifically for houses, shop houses, and apartments.

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Shariah Compliant Agreement

Using a Sale and Purchase Agreement (Murahabah) - Ready Stock Building

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Easy Installments

Easy installments and flexible schemes (fixed and tiered)

Insurance Coverage

Life and fire insurance coverage

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Light Down Payment

Low down payment up to 0%

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Easy Process

Enjoy the contract with a quick and easy process

Flexible Term

Kemudahan angsuran dengan jangka waktu hingga 30 tahun

icon-handshake

Shariah Compliant Agreement

Using a Sale and Purchase Agreement (Murahabah) - Ready Stock Building

icon-angsuran

Easy Installments

Easy installments and flexible schemes (fixed and tiered)

Insurance Coverage

Life and fire insurance coverage

icon-poin-spekta

Light Down Payment

Low down payment up to 0%

icon-waktu

Easy Process

Enjoy the contract with a quick and easy process

Flexible Term

Kemudahan angsuran dengan jangka waktu hingga 30 tahun



Terms And Conditions

  • Indonesian Citizens (WNI)

  • Minimum age 21 years or married

  • At the time the financing is paid off, no more than 65 years old

  • Minimum work period of 1 year or 3 years of business for entrepreneurs and professionals

  • Does not have problematic credit/financing (clear OJK SLIK)

  • Have NPWP or SPT Article 21

  • The BTN Indent iB KPR facility only applies to the first property ownership credit/financing facility for customers accepted at the Bank or other Banks

How to Register

  • 1
    Prepare Complete Documents

    The applicant prepares the application file as well as documents of identity, income and object of purchase.
    Submissions can be made through all BTN Syariah Branch Offices.
  • 2
    Process and Verify Files

    Application files and documents will be processed and verified by BTN Syariah

  • 3
    Prepare Contract Fees

    If the file has been approved, prepare the pre-realization fees for Bank, Notary and applicable Sales and Purchase Taxes.

  • 4
    Akad

    Sales Purchase and Financing Agreement with Notary, Seller and Bank.

  • 5
    Disbursement of Funds

    The Bank will disburse financing funds to the Developer according to the development progress, the Customer Handovers the House Unit after the house unit is built.

Find Answers To Your Questions

What is BTN Indent iB KPR?

KPR BTN Indent iB is a financing facility for houses, shophouses, shophouses or apartments with an "Istishna" contract or sale and purchase based on orders with the condition of the Indent house financing object (not yet built/under construction).

Do I have to have a BTN iB account for the KPR Indent iB program?

Yes, all BTN Indent iB KPR financing customers must have a BTN Batara iB Savings account.

What financing term can I choose?

The maximum term for BTN Indent iB KPR financing is 25 years.

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