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KPR Sejahtera BTN iB

First Home for Indonesian Families

Home ownership program from the Government aimed at Low-Income Communities (MBR) with light installments, for the purchase of the first house (tread prosperous house or flats prosperous house) built by the developer.

KPR Sejahtera BTN iB

KPR Subsidized FLPP scheme (Housing Financing Liquidity Facility) whose management is carried out by BP Tapera which is intended for Low-Income Communities (MBR) non-participants Tapera with formal employment (fixed income) and informal employment (non-fixed income) using Murabahah contract.

Light Down Payment

Low down payment starting from 1%

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Easy and Fixed Installments

Fixed installments until paid in full and easy with a margin of only 5%

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Free of Insurance Premiums and VAT

Customers get life and fire insurance protection, and are not charged Value Added Tax

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Developer Cooperation

Wide network of cooperation with developers throughout Indonesia

Down Payment Assistance Subsidies

Down payment assistance subsidy of IDR 4,000,000 (only for landed houses)

Financing Term

Financing term up to 20 years

Light Down Payment

Low down payment starting from 1%

ic_course_red_circle

Easy and Fixed Installments

Fixed installments until paid in full and easy with a margin of only 5%

icon-asuransi

Free of Insurance Premiums and VAT

Customers get life and fire insurance protection, and are not charged Value Added Tax

icon-handshake

Developer Cooperation

Wide network of cooperation with developers throughout Indonesia

Down Payment Assistance Subsidies

Down payment assistance subsidy of IDR 4,000,000 (only for landed houses)

Financing Term

Financing term up to 20 years



Terms And Conditions

  • Indonesian Citizens (WNI)

  • Have an e-KTP

  • Minimum age 21 years or married

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

  • The minimum business period (non-fixed income) is 1 year

  • The maximum income is regulated in the regulation of the Minister of Housing and Organizational Areas Number 5 of 2025 concerning the amount of income and criteria for assessing low-income communities

  • The applicant and his/her partner (husband/wife) do not own a house and have never received government subsidies for home ownership

  • Submit NPWP and Annual Personal Income Tax Return in accordance with applicable laws

How to Register

  • 1

    Prepare Complete Documents

    The applicant prepares the application file as well as personal documents and guarantees

  • 2

    Process and Verify Files

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

  • 3

    Ensure Sufficient Funds

    If the application is approved, the applicant prepares pre-realization costs and ensures sufficient funds in BTN Syariah Bank Savings

  • 4

    Financing Agreement

    Implementation of customer financing contracts

  • 5

    Application Disbursement Process

    BTN Syariah will disburse the applicant's application

Find Answers To Your Questions

What are the costs incurred for KPR Sejahtera BTN iB?

KPR Sejahtera BTN iB has service fees in the form of; administration, appraisal, notary and SKMHT/APHT fees.

What are the requirements for the KPR Sejahtera BTN iB application?

Application requirements for KPR Sejahtera BTN iB for Indonesian citizens are as follows:
- Age of applicant when financing is paid off < 65 years
- Fixed income work period min 1 year & self-employed business period min 1 year
- Never owned a house and never received a subsidy
- Registered & passed SIKASEP

How long is the financing period for KPR Sejahtera BTN iB?

The maximum term of KPR Sejahtera BTN iB financing is 20 years.

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