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.

Free Credit Ceiling

There is no maximum limit of credit provided

Competitive Interest Rates

Low interest rates available starting from 3.99%

Insurance Coverage

Creditor financial protection during the installment payment period

Jangka 30 Tahun

Mortgage installment payments are longer, cheaper and easier

Fast and Easy

The mortgage approval process is hassle-free and short

Developer Collaboration

Cooperation agreement for legality and credit provision

Free Credit Ceiling

There is no maximum limit of credit provided

Competitive Interest Rates

Low interest rates available starting from 3.99%

Insurance Coverage

Creditor financial protection during the installment payment period

Jangka 30 Tahun

Mortgage installment payments are longer, cheaper and easier

Fast and Easy

The mortgage approval process is hassle-free and short

Developer Collaboration

Cooperation agreement for legality and credit provision

Interest Rate

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 Bank 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 Bank 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

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

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 Bank 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

How to Register

1

Visit the Bank BTN Branch Office

Customers can apply for KPR BTN Platinum credit at the nearest Bank 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.