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About BTN
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KPR BTN Sejahtera FLPP

Happy Family
Prosperous Life

The Government's homeownership program for Indonesian families with affordable interest rates and light installments

KPR BTN Sejahtera

Subsidized KPR with FLPP scheme (Housing Financing Liquidity Facility) for Low-Income Communities (MBR)

transaksi

1% Down Payment

Light down payment available starting from 1%

atm

20 Years Period

The mortgage term offered is up to 20 years

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Fixed Interest Rate

There is a 5% fixed interest rate

open account

Free Premium

No insurance premiums and VAT will be charged from the mortgage

open account

Subsidized Assistance

Down payment assistance subsidy from the Government of IDR 10,000,000 for landed houses only

open account

Extensive Network

Collaboration with professional developers throughout Indonesia

transaksi

1% Down Payment

Light down payment available starting from 1%

atm

20 Years Period

The mortgage term offered is up to 20 years

icon kalender

Fixed Interest Rate

There is a 5% fixed interest rate

open account

Free Premium

No insurance premiums and VAT will be charged from the mortgage

open account

Subsidized Assistance

Down payment assistance subsidy from the Government of IDR 10,000,000 for landed houses only

open account

Extensive Network

Collaboration with professional developers throughout Indonesia

Maximum and Financing Period

Infomation
According to the selling price of subsidized houses set by the Government
Up to 20 years period

Terms & Conditions

  • Indonesian citizen at least 20 years old or married, max 65 years old at the time of credit maturity;

  • Maximum income: Unmarried IDR 7,000,000; Married IDR 8,000,000

  • Maximum income for Papua and West Papua: Unmarried IDR 7,500,000; Married IDR 10,000,000

  • Applicant and Spouse do not yet own a house

  • Have never received housing subsidies from the government

  • Have a Taxpayer Identification Number (NPWP) and have an Annual Income Tax Return (SPT) for individuals

  • Registered NIK at Dukcapil

How to Register

  • 1
    Search for Location

    The applicant searches for the location of the desired house through BTN Properti, BTN Branch Offices, property exhibitions, etc

  • 2
    Prepare Documents

    Prepare complete documents and credit application form

  • 3
    File Processing

    BTN will process the application file using the Financial Information Service System (SLIK), data verification, and analysis

  • 4
    Download SiKasep

    Applicants can download the SiKasep application to apply for Subsidized KPR purchase

  • 5
    Prepare Funds

    The applicant prepares sufficient funds in BTN Savings if the application is approved

  • 6
    Credit Agreement

    Applicant makes a credit agreement

  • 7
    Credit Disbursement

    The credit disbursement process is successful

Find Answers to Your Questions

What is KPR BTN Sejahtera?
KPR BTN Sejahtera is a subsidized mortgage scheme FLPP (Housing Financing Liquidity Facility) with the designation for Low-Income Communities (MBR) formal/fixed income sector informal/nonfixed income sector, for example, are BUMN Employees, Self-employed, Self-employed, TNI and Police.
What are the terms and conditions of KPR BTN Sejahtera?
The terms and conditions of KPR BTN Sejahtera are as follows:
a. Indonesian citizen at least 21 years old or married, max 65 years old at the time of loan maturity
b. Maximum income:
 Unmarried IDR 7,000,000
 Married IDR 8,000,000
 Special for Papua and West Papua
 Unmarried IDR 7,500,000
 Married IDR 10,000,000
c. Applicant and Spouse do not own a house
d. Never received housing subsidies from the government
e. Have a Taxpayer Identification Number (NPWP) and have an individual's Annual Income Tax Return (SPT)
f. NIK is registered at Dukcapil
What are the documents required for KPR BTN Sejahtera?
The documents required for KPR BTN Sejahtera are as follows:
a. ID Card (applicant and spouse for married debtors)
b. Family Card (KK)
c. Taxpayer Identification Number (NPWP)
d. Marriage Book or Deed for those who are married or Letter/Deed of Divorce for those who are divorced
e. Salary slip for the last 3 months
f. Employment certificate from the company
g. Savings bank statement for the last 3 months

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