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About BTN
Investor Relation PPID Career

Kredit Agunan Rumah BTN

Easy Solution to Fulfill Various Needs

Kredit Agunan Rumah BTN helps fulfill your consumption needs through property collateral credit facilities

Kredit Agunan Rumah BTN

BTN credit facility that can be used for various consumptive needs by collateralizing the house/apartment/shop/house

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Flexible Credit Limit

The credit fee provided is free and without a maximum limit

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15-Year Tenor

Easy credit with a period of up to 15 years

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Competitive Interest Rate

Enjoy low credit interest rates

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Easy and Fast Process

Simple, hassle-free, and quick credit application

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Insurance Coverage

Get life insurance coverage for the credit process

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Easy Requirement

Credit with easy terms

transaksi

Flexible Credit Limit

The credit fee provided is free and without a maximum limit

atm

15-Year Tenor

Easy credit with a period of up to 15 years

echannel

Competitive Interest Rate

Enjoy low credit interest rates

open account

Easy and Fast Process

Simple, hassle-free, and quick credit application

open account

Insurance Coverage

Get life insurance coverage for the credit process

open account

Easy Requirement

Credit with easy terms

Interest Rate

  • ⓘ Loans with lower interest rates for debtors who already have BTN loans.
  • ⓘ Loans given to debtors who do not yet have BTN loans.
  • ⓘ Loans with lower interest rates granted for institutions.

KAR Existing Debtors

Category Fixed Period Interest Rate Debtor Terms
Debtors with Fixed Income Fixed Rate 2 Years 7,50% Special for Existing Debtors (who have ongoing credit at BTN or those that have been paid off) and have a minimum credit history of 2 years
Fixed Rate 3 Years 8,25%
Debtors with Non Fixed Income Fixed Rate 1 Year 7,25% Must have Tabungan BTN Batara deposited 1x initial installment and use it (Tabungan BTN Batara) actively
Fixed Rate 3 Years 7,75%

KAR New Debtor

Category Fixed Period Interest Rate Debtor Terms
Debtors with Fixed Income Fixed Rate 2 Years 9,00% Must have Tabungan BTN Batara deposited 1x initial installment and use it (Tabungan BTN Batara) actively
Fixed Rate 3 Years 9,25%
Non Fixed Income Debtors Fixed Rate 1 Year 9,25% Must have Tabungan BTN Batara deposited 1x initial installment and use it (Tabungan BTN Batara) actively
Fixed Rate 3 Years 9,50%

KAR Institution

Category Fixed Period Interest Rate Debtor Terms
Civil Servants, Military, Police, BUMN/BUMD Fixed Rate 1 Year 7,00% Must have Tabungan BTN Batara deposited 1x initial installment and use it (Tabungan BTN Batara) actively
Fixed Rate 2 Years 7,50%

Terms & Conditions

  • Indonesian citizen with a minimum age of 21 years or married, has a permanent employee/entrepreneur/professional status

  • Length of employment min 1 year, length of business/profession min 1 year

  • The applicant's age does not exceed 65 years

  • The applicant is required to 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

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How to Register

  • 1

    Visit a BTN Branch Office

    Customers can apply for KAR 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, prepare the pre-realization fee in the applicant's savings account

  • 5

    KAR Process Completed

    Customers will get the signature of the credit agreement and APHT for KAR BTN

Find Answers to Your Questions

What is the maximum Kredit Agunan Rumah BTN loan amount that can be applied for?

There is no maximum limit on the amount of Kredit Agunan Rumah BTN you can apply for.

What are the terms and conditions for applying for Kredit Agunan Rumah BTN?

The terms and conditions of the mandatory documents that must be completed before applying for Kredit Agunan Rumah BTN consist of applicant documents such as personal data, income documents such as salary slips for employee applicants or business licenses for entrepreneur applicants, and collateral data such as copies of certificates and IMB.

What is an example of Kredit Agunan Rumah BTN installment calculation simulation?

An example of Kredit Agunan Rumah BTN simulation is as follows:
The loan amount is IDR 100,000,000, and the tenor is 15 years, so the monthly installment is IDR 927,100 (rate 7.5% p.a).

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