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About BTN
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KRING BTN Pensiunan

Quick Funds Solution for Retirees

Enjoy BTN's special offers for retiree loans

Kredit Ringan BTN Pensiunan

Loans with retirement benefits paid through BTN accounts to meet the requirements of retirees

transaksi
Cash

Available cash loans up to IDR 300,000,000

Competitive Interest Rate

The offered interest rate is by the provisions and is fixed

icon kalender
Flexible

Very flexible term of up to 15 years

open account
Fast Process

The loan application process only takes a short time

open account
No Collateral

A secure, uncollateralized loan to meet the needs of retirement age

icon-asuransi
Life Insurance

Life protection insurance for retirees

transaksi
Cash

Available cash loans up to IDR 300,000,000

Competitive Interest Rate

The offered interest rate is by the provisions and is fixed

icon kalender
Flexible

Very flexible term of up to 15 years

open account
Fast Process

The loan application process only takes a short time

open account
No Collateral

A secure, uncollateralized loan to meet the needs of retirement age

icon-asuransi
Life Insurance

Life protection insurance for retirees

Interest Rate

Interest Rate

Period Interest Rate
Entire credit period Fixed


Cicilan Rumah Jadi Mudah F174

Rates Variable Start From

Fixed

Interest Rate

Terms & Conditions

  • Have sufficient pension funds & receive pension through BTN

  • Indonesian citizen, max. 75 years old at the time of loan repayment

  • Does not have non-performing loans

  • Retirees or widows/widowers of retirees: Civil servants, state officials, military/police, BUMN/BUMD, Government Pension Fund Program Participants

  • Have NPWP (if required)

  • Maximum installment/month is 90% of take home pay

  • Financial Institution (DPLK)

How to Register

  • 1
    Fill Out the Form  

    Debtors can fill out and submit the Credit Application Form and the required documents.

  • 2
    Credit Application

    Retired applicants can apply for credit to the nearest BTN Branch Office

  • 3
    Credit Analysis  

    After submitting a credit application, BTN will conduct a credit analysis following the provisions

  • 4
    Credit Activation Successful  

    Credit activation for KRING BTN Pensiunan can be used effectively

Find Answers to Your Questions

What is KRING BTN Pensiunan?    
KRING BTN Pensiunan is a loan facility intended for retired civil servants, military/police, and widows/widowers whose pension benefits are paid through an account at BTN.
What is the interest rate available from KRING BTN Pensiunan? 
KRING BTN Pensiunan offers attractive and competitive interest rates.
What terms and conditions apply to KRING BTN Pensiunan?  
The terms and conditions of KRING BTN Pensiunan apply to retirees or widows/widowers of retired civil servants, military/police, and BUMN/BUMD, whose salaries are paid through BTN.

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