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About BTN
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Multimanfaat BTN iB

Get your dream item with ease and blessings

Own your dream items with a process in accordance with the Murabahah contract

Pembiayaan Multimanfaat BTN iB

Pembiayaan Multimanfaat BTN iB is a financing facility with a "Murabahah" or Sale and Purchase contract for the purpose of various types of goods including electronics, furniture and other halal goods.

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Fixed and Easy Installments

Fixed installments until paid in full

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Fulfill All Dream Items

Ease of fulfilling your dream item needs or refinancing ownership of goods

Insurance Coverage

Guaranteed life and fire insurance protection

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Cover 100% Price

Pembiayaan maksimal 100% dari harga barang

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Competitive Margin Value

Enjoy attractive and competitive margin values

Tenor up to. 15 years

Kemudahan angsuran dengan jangka waktu hingga 15 tahun

icon-angsuran

Fixed and Easy Installments

Fixed installments until paid in full

icon-limit-transaksi

Fulfill All Dream Items

Ease of fulfilling your dream item needs or refinancing ownership of goods

Insurance Coverage

Guaranteed life and fire insurance protection

icon-poin-spekta

Cover 100% Price

Pembiayaan maksimal 100% dari harga barang

icon-waktu

Competitive Margin Value

Enjoy attractive and competitive margin values

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 problematic credit/financing (clear OJK SLIK)

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

    Ensure Sufficient Funds

    If the documents have 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 with 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.

Find Answers To Your Questions

What is BTN iB Multibenefit Financing?

BTN iB Multibenefit Financing is a solution to meet the needs of various types of electronic goods, furniture and other needs with an easy process and through a "Murabahah" (Buy and Sell) agreement.

What is the maximum financing that can be applied for?

The maximum BTN iB Multibenefit Financing that can be applied for is up to IDR 500,000,000,- in accordance with the applicable terms and conditions.

What collateral is used for BTN iB Multibenefit Financing?

Collateral used for BTN iB Multibenefit Financing is in the form of payroll (salary deductions), cash collateral, certificates and BPKB for four-wheeled vehicles.

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