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About BTN
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Multijasa BTN iB

Blessings for All Your Service Needs

Fulfill your education, wedding, health and worship expenses

Multijasa BTN iB

Pembiayan Multijasa BTN iB is a financing facility with a "Kafalah bil Ujroh" contract or reward for guarantee services for the purpose of funding the needs of education, health, travel, Umrah, and wedding services.

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Make All Your Dreams Come True

Ease of achieving all your dreams immediately

Enjoy Competitive Ujroh

Enjoy attractive and competitive ujroh values

Insurance Coverage

Get guaranteed life and fire insurance protection

Fixed and Easy Installments

Installments without hesitation with a fixed value

Up to 100% Financing

Get maximum financing up to 100%

Tenor up to. 15 years

Term 1 to 15 years (not past retirement)

icon-angsuran

Make All Your Dreams Come True

Ease of achieving all your dreams immediately

Enjoy Competitive Ujroh

Enjoy attractive and competitive ujroh values

Insurance Coverage

Get guaranteed life and fire insurance protection

Fixed and Easy Installments

Installments without hesitation with a fixed value

Up to 100% Financing

Get maximum financing up to 100%

Tenor up to. 15 years

Term 1 to 15 years (not past retirement)



Terms And Conditions

  • Indonesian Citizens (WNI)

  • Minimum age 21 years or married

  • When the financing is paid off, no more than retirement age for employees or no more than 65 years for entrepreneurs and professionals

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

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

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
    Ensure Sufficient Funds

    If the file has been approved, ensure that the applicant's pre-realization cost funds are available

  • 4
    Financing Agreement

    The applicant and the Bank enter into a contract with the agreed price for the service required

  • 5
    Application Disbursement Process

    If the financing agreement has been executed, BTN Syariah will disburse the financing application

Find Answers To Your Questions

What is BTN iB Multiservice Financing?

BTN iB Multiservice Financing is a financing facility for the need to fund service needs such as Education, Health, Tourism, Umrah and Weddings using the "Kafalah bil Ujroh" contract (Rewards for guarantee services).

What is the maximum financing that can be applied for?

The maximum BTN iB Multiservice Financing that can be applied for is up to IDR 500,000,000,- in accordance with the applicable terms and conditions.

What collateral is used for BTN iB Multiservice Financing?

Collateral used for BTN iB Multiservice Financing is in the form of payroll (salary deductions), cash collateral, certificates and BPKB for four-wheeled vehicles.

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