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About BTN
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KPR Tapera BTN iB

The First Dream Home for Tapera Families

Easier home purchase with low installments and financing period of up to 30 years

KPR Tapera BTN iB

Home ownership financing program from the government aimed at Tapera Participants who are classified as Low-Income Communities, with a Murabahah contract.

Light and Fixed Installments

Fixed installments until paid off and light with a margin of only 5%

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Free Insurance Premium and VAT

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

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Developer Cooperation

Wide network of cooperation with developers throughout Indonesia

0% down payment

Enjoy residential financing with a 0% down payment

Financing Term

Financing term up to 30 years

Light and Fixed Installments

Fixed installments until paid off and light with a margin of only 5%

icon-asuransi

Free Insurance Premium and VAT

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

icon-handshake

Developer Cooperation

Wide network of cooperation with developers throughout Indonesia

0% down payment

Enjoy residential financing with a 0% down payment

Financing Term

Financing term up to 30 years



Terms And Conditions

  • Registered as a TAPERA participant with a participation period of at least 12 months

  • Indonesian Citizens (WNI)

  • Minimum age 21 years or married

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

  • 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 home and have never received government subsidies for home ownership

  • Submit a photocopy of e-KTP and NPWP identity

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 Tapera BTN iB?

KPR Tapera BTN iB has service fees in the form of; administration fees, appraiser, notary and SMKHT/APHT.

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

The requirements for the Tapera BTN iB KPR application for Indonesian citizens are as follows:
- Application age at the time of financing is < 65 years
- Tapera participants with a minimum membership period of 12 (twelve) months
- Never owned a house and never received a subsidy
- Registered & passed SITARA

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

The Tapera BTN iB KPR financing term is a maximum of 30 years.

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