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About BTN
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Pembiayaan Properti BTN iB

Blessings for All Your Fund Needs

Refinancing your property assets with an easy and fast process

Pembiayaan Properti BTN iB

Pembiayaan Properti BTN iB is a sharia financing facility with a "Musyarakah Mutanaqisah" contract or joint asset ownership for the public for new property ownership or refinancing.

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Shariah Compliant Agreement

Using the Booking Agreement (Istisna)

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Easy Installments

Easy installments and flexible schemes (fixed and tiered)

Insurance Coverage

Life and fire insurance coverage

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Light Down Payment

Low down payment up to 0%

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Easy Process

Enjoy the contract with a quick and easy process

Flexible Term

Kemudahan angsuran dengan jangka waktu hingga 30 tahun

icon-handshake

Shariah Compliant Agreement

Using the Booking Agreement (Istisna)

icon-angsuran

Easy Installments

Easy installments and flexible schemes (fixed and tiered)

Insurance Coverage

Life and fire insurance coverage

icon-poin-spekta

Light Down Payment

Low down payment up to 0%

icon-waktu

Easy Process

Enjoy the contract with a quick and easy process

Flexible Term

Kemudahan angsuran dengan jangka waktu hingga 30 tahun



Terms And Conditions

  • Indonesian Citizens (WNI)

  • Minimum age 21 years or married

  • At the time the financing is paid off, no more than 65 years old

  • Minimum work period of 1 year or 3 years of business for entrepreneurs and professionals

  • Does not have credit/financing problems (SLIK OJK clear)

  • Have NPWP or SPT Article 21

How to Register

  • 1
    Prepare Complete Documents

    The applicant prepares the application file as well as documents of identity, income and object of purchase.
    Submissions can be made through all BTN Syariah Branch Offices.
  • 2
    Process and Verify Files

    Application files and documents will be processed and verified by BTN Syariah

  • 3
    Prepare Contract Fees

    If the file has been approved, prepare the pre-realization fees for Bank, Notary and applicable Sales and Purchase Taxes.

  • 4
    Akad

    Sales Purchase and Financing Agreement with Notary, Seller and Bank.

  • 5
    Disbursement of Funds

    If the financing agreement has been implemented, BTN Syariah will disburse the applicant's application.

Find Answers To Your Questions

What is BTN iB Property Financing?

BTN iB Property Financing is a financing facility for new property ownership or refinancing of property already owned by customers through a "Musyarakah Mutanaqisah" agreement or joint asset ownership.

What is the maximum tenor for the BTN iB Property Financing program?

The maximum tenor/period of BTN iB Property Financing is 30 years.

Who can take part in the BTN iB Property Financing program?

BTN iB Property Financing can be participated in by all customers applying for KPR who meet the terms and conditions of BTN Syariah.

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