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About BTN
Investor Relation PPID Career
KPR BTN Platinum

It's time to own your dream luxury residence

Enjoy the convenience of purchasing classy housing with flexible and fast terms

KPR BTN Platinum

Purchase of houses from developers/non-developers, new/second-hand houses, ready to live in (ready stock)/not yet finished (indent), or take over credit from other banks.

transaksi
Free Credit Ceiling

There is no maximum limit of credit provided

atm
Competitive Interest Rates

Low interest rates available starting from 3.99%

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Insurance Coverage

Creditor financial protection during the installment payment period

echannel
Jangka 30 Tahun

Mortgage installment payments are longer, cheaper and easier

icon-waktu
Fast and Easy

The mortgage approval process is hassle-free and short

aksesbilitas
Developer Collaboration

Cooperation agreement for legality and credit provision

transaksi
Free Credit Ceiling

There is no maximum limit of credit provided

atm
Competitive Interest Rates

Low interest rates available starting from 3.99%

icon-insurance
Insurance Coverage

Creditor financial protection during the installment payment period

echannel
Jangka 30 Tahun

Mortgage installment payments are longer, cheaper and easier

icon-waktu
Fast and Easy

The mortgage approval process is hassle-free and short

aksesbilitas
Developer Collaboration

Cooperation agreement for legality and credit provision

Interest Rate

  • ⓘ Bank interest rate for a certain time as a promotion/special offer
  • ⓘ Reference interest rate or reference in financial transactions

Promotional Interest Rate

Balance Rate Interest Rate Information
Fixed 2 Years 8,88% Applicable for a limit of IDR 250.000.000 up to IDR 1.500.000.000 for fixed-income debtors
Fixed 3 Years 8,88% For BTN Priority Customers or using payroll/collective Civil Servants/BUMN/Military-Police
Fixed 2 Years 9,49% Valid for maximum credit under IDR 250.000.000
Fixed 3 Years 5,46% Applicable to prospective fixed-income customers from selected developers of BTN
Fixed 2 Years 7,59% Applicable to prospective fixed-income customers who meet the terms and conditions of the promotional KPR/KPA interest rate
Fixed 3 Years 8,39% Applicable to prospective fixed-income customers who meet the terms and conditions of the promotional KPR/KPA interest rate
Fixed 5 Years 8,99% Applicable to prospective fixed-income customers who meet the terms and conditions of the promotional KPR/KPA interest rate
Fixed 10 Years 9,99% Applicable to prospective fixed-income customers who meet the terms and conditions of the promotional KPR/KPA interest rate
Fixed 15 Years 10,59% Applicable to prospective fixed-income customers who meet the terms and conditions of the promotional KPR/KPA interest rate
Fixed 20 Years 11,59% Applicable to prospective fixed-income customers who meet the terms and conditions of the promotional KPR/KPA interest rate
  1. Applicable for KPR/KPA for new and second home/apartment financing
  2. Applicable to all developers, both legal and individual developers
  3. To prospective debtors who do not meet the terms and/or conditions of the promotional interest rate, the Counter Interest Rate is given according to the applicable provisions

Counter Interest Rate

Balance Rate Interest Rate Information
Fixed 1Year 9,00%
  • Non Fixed Income Debtors for all maximum loans
  • Non Fixed Income Debtors for all maximum loans IDR 1.000.000.000
  • For Non Fixed Income Debtors and those who do not meet the terms and conditions of the promotional KPR/KPA interest rate

  • Valid for KPR/KPA for new and second home/apartment financing

  • Applicable to all developers, both legal and individual developers

  • Non Fixed Income debtors are required to settle 2x installments during the credit period

  • Fixed Income Debtors are required to settle 1x installment during the credit period

Save and Earn Bale Poin

Fulfill your needs with the convenience of BTN online transactions

Terms & Conditions

  • Applicant must cover insurance (life and fire) with Banker Clause requirements

  • Willing to sign a credit agreement and APHT (Deed of Mortgage Encumbrance)

  • Payment of installments by auto debit from the Applicant's account at BTN

  • Indonesian citizen with min. 20 years old or married, has a permanent employee/entrepreneur/professional status

  • Minimum 1 year of service as an employee, minimum 5 years of business experience.

  • Applicant's age does not exceed 65 years

Find Easy Transactions with BTN Cards

Kartu Debit BTN/Visa Classic

Withdraw cash, pay bills, transfer, and shop all your needs practically at all BTN EDC machines

Kartu Debit BTN/Visa Gold

Enjoy your transaction needs through inter-account/bank transfers and EDC/online debit with larger nominal amounts

Kartu Debit BTN/Visa Platinum

Enjoy your transaction needs through inter-account/bank transfers and EDC/online debit with larger nominal amounts

Learn More

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How to Register

  • 1
    Visit the BTN Branch Office

    Customers can apply for KPR BTN Platinum credit at the nearest BTN Branch Office

  • 2
    Fill Out the Form

    Customers fill out the form provided correctly and completely

  • 3
    Prepare Documents

    Customers complete the application and submit all documents to the Loan Service Officer at the BTN Branch Office.

  • 4
    Pre-Realization Fee

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

  • 5
    KPR Process Completed

    The customer will receive a signed credit agreement and sale and purchase deed for KPR BTN

Find Answers to Your Questions

How long does it take to get the result of the KPR BTN Platinum application?
The time needed to apply for KPR BTN Platinum is 1-5-1 (one-day complete file, 5 days credit process, 1-day credit contract/disbursement) and 1-3-1 (one-day complete file, 3 days credit process, 1-day credit contract/disbursement).
What are the costs involved in applying for KPR BTN Platinum?
KPR BTN Platinum costs include administration processing, provision, insurance, and notary fees.
Are there any additional requirements if you take over a loan from another bank?
Yes, the application requirements for takeover from other banks are the same as applying for mortgage requirements.
What is the interest rate after the promo period ends?
After the promo period ends, there is a gradual increase in interest rates (Graduated Payment Mortgage) before entering the Floating Interest Rate.

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