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Fasilitas Pembiayaan Perumahan Kerjasama dengan BPJS Ketenagakerjaan

Building a Dream House Becomes Easier

BTN provides Fasilitas Pembiayaan Perumahan Kerjasama with BPJS Ketenagakerjaan as an easy solution to having a house

Pembiayaan Perumahan BTN

Partnership with BPJS Ketenagakerjaan, namely Housing Advance Loan (PUMP), Employment Social Security Agency Home Ownership Loan (KPR BP Jamsostek), and Housing Renovation Loan (PRP).

Partnered With

logo-bpjs

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Lighter Installments

Enjoy lighter credit installments right away

atm

30-Year Tenor

Easy credit with a tenor of up to 30 years

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Mortgage up to IDR 500,000,000

Get a trusted mortgage credit facility of up to IDR 500,000,000

open account

Down Payment Loan

Get a down payment loan facility of up to IDR 150,000,000

aksesbilitas

Renovation Loan

Get a special loan facility for housing renovation up to IDR 200,000,000

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Stable Interest Rate

Offer fixed and unchanging interest rates for customers

icon-angsuran

Lighter Installments

Enjoy lighter credit installments right away

atm

30-Year Tenor

Easy credit with a tenor of up to 30 years

icon-premi

Mortgage up to IDR 500,000,000

Get a trusted mortgage credit facility of up to IDR 500,000,000

open account

Down Payment Loan

Get a down payment loan facility of up to IDR 150,000,000

aksesbilitas

Renovation Loan

Get a special loan facility for housing renovation up to IDR 200,000,000

poin

Stable Interest Rate

Offer fixed and unchanging interest rates for customers

Program Description

  • A Housing Advance Loan, hereinafter referred to as PUMP, is a loan provided to provide part or all of the housing down payment

  • Housing Ownership Loan of the Employment Social Security Organizing Agency, hereinafter referred to as KPR BP Jamsostek, is a loan provided in the form of a landed house ownership loan (KPR) or flat/apartment ownership loan (KPA) including credit takeover

  • A Housing Renovation Loan, hereinafter referred to as PRP, is a money loan provided by the Bank to BPJS Participants to provide loans in the form of home renovation loans

Maximum and Financing Period

Maximum Period
Maximum PUMP is IDR 150,000,000 Period has the same term as KPR BP Jamsostek. PUMP must be bundled with KPR BP Jamsostek
Maximum KPR BP Jamsostek is IDR 500,000,000 The maximum period is 30 (thirty) years. KPR BP Jamsostek can be in the form of a new mortgage application or take over from BTN mortgages or mortgages from other banks
Maximum PRP is IDR 200,000,000 The period of 15 (fifteen) years applies to PRP

Terms & Conditions

  • Indonesian citizen at least 21 years old or married

  • Orderly administration and BPJS Ketenagakerjaan dues

  • Have owned a house equipped with certificate documents and IMB on behalf of the applicant and spouse for applicants who apply for PRP

  • Get a recommendation from BPJS Ketenagakerjaan

  • Have sufficient ability (income) according to BTN calculation

  • Have been registered as a BPJS Ketenagakerjaan participant for 1 year

  • Not yet owning a house (First House) for applicants who apply for PUMP and KPR BP Jamsostek

  • For the PRP application, the applicant has never previously received a housing financing facility from BPJS Ketenagakerjaan

  • If the applicant and spouse are both registered as BPJS Ketenagakerjaan participants, only one of them can apply for credit

  • To ensure smooth payment of installments, it can be done through payroll, collective, or other methods following BTN regulations

How to Apply

  • 1

    Submit an Application

    Customers apply through the JMO Mobile/BTN Properti application (applications based on recommendations are made on a Host to Host basis between BTN and BPJS Ketenagakerjaan)

  • 2

    Complete the File

    Customers will complete all the Additional Service Benefit application documents and submit them to the Loan Service officer at the Branch Office.

  • 3

    Verification Process

    Complete customer documents will be sent to the BPJS Ketenagakerjaan Branch Office to verify membership

  • 4

    Pre-Realization Fee

    If you have received verification of credit approval, prepare the pre-credit realization fee in the applicant's savings account

  • 5

    KPR Process Completed

    Customers will get an agreement signature and receive disbursement Additional Service Benefits

Find Answers to Your Questions

What is Fasilitas Pembiayaan Perumahan Kerjasama with BPJS Ketenagakerjaan?  

Fasilitas Pembiayaan Perumahan Kerjasama with BPJS Ketenagakerjaan, namely Housing Advance Loan (PUMP), Housing Ownership Loan of Employment Social Security Organizing Agency (KPR BP Jamsostek) and Housing Renovation Loan (PRP).

What are the terms and conditions for participating in Fasilitas Pembiayaan Perumahan Kerjasama program with BPJS Ketenagakerjaan?

The terms and conditions of Fasilitas Pembiayaan Perumahan Kerjasama with BPJS Ketenagakerjaan follow the provisions of mortgages in general and have been registered as BPJSTK participants for at least 1 year.

How is the installment simulation of Fasilitas Pembiayaan Perumahan Kerjasama program with BPJS Ketenagakerjaan?

Installment simulations can use a mortgage calculator with interest rates following BI7DRRR (6% in November 2023) and will be adjusted every credit anniversary.

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