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About BTN
Investor Relation PPID Career

Multimanfaat BTN iB

Build a dream home full of blessings

Financing to build or renovate the best house quickly

Bangun Rumah BTN iB

Pembiayaan Bangun Rumah BTN iB is a financing facility with a Murabahah or sale and purchase contract to realize the construction of a dream house or residential renovation on your own land.

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Fixed Installments

Installments with a fixed value during the financing period

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Insurance Coverage

Guaranteed life and fire insurance protection

Maximum Financing Value

Enjoy the value of financing to build a house according to your needs

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Competitive Margin Value

Attractive and competitive margin policy

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Easy and Fast Process

Fast and easy contract process

Tenor up to. 15 years

Kemudahan angsuran dengan jangka waktu hingga 15 tahun

icon-angsuran

Fixed Installments

Installments with a fixed value during the financing period

icon-waktu

Insurance Coverage

Guaranteed life and fire insurance protection

Maximum Financing Value

Enjoy the value of financing to build a house according to your needs

icon-limit-transaksi

Competitive Margin Value

Attractive and competitive margin policy

icon-poin-spekta

Easy and Fast Process

Fast and easy contract process

Tenor up to. 15 years

Kemudahan angsuran dengan jangka waktu hingga 15 tahun



Terms And Conditions

  • Indonesian Citizens (WNI)

  • Minimum age 21 years or married

  • When the financing is paid off, no more than retirement age for employees or no more than 65 years for entrepreneurs and professionals

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

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

  • Have NPWP or SPT Article 21

How to Register

  • 1
    Prepare Complete Documents

    The applicant prepares the application file as well as personal documents and guarantees
  • 2
    Process and Verify Files

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

  • 3
    Ensure Sufficient Funds

    If the file has been approved, ensure that the applicant's pre-realization cost funds are available

  • 4
    Financing Agreement

    The applicant and the Bank enter into a sale and purchase agreement at the agreed purchase price of an item

  • 5
    Application Disbursement Process

    If the financing agreement has been carried out, BTN Syariah will disburse the financing application according to development progress

Find Answers To Your Questions

What is BTN iB House Building Financing?

BTN iB House Building Financing is a financing program to realize the construction of a dream house or renovation through a "Murabahah" (Buy and Sell) contract.

What is the maximum financing that can be issued?

The maximum BTN iB house building financing that can be distributed is 100% of the RAB value excluding construction service costs.

What funds can be guaranteed in BTN iB House Building Financing?

Collateral that can be guaranteed in BTN iB House Building Financing is in the form of a property rights certificate or building use rights certificate which is in the customer's name.

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