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About BTN
Investor Relation PPID Career

Emasku BTN iB

Owning Gold is Now Easier

Easy investment by owning certified and blessed gold bars

Emasku BTN iB

Financing facilities for ownership of Antam certified gold floors in accordance with sharia principles

transaksi

Insurance Coverage

Get life and loss insurance coverage

atm

Fixed and Easy Installments

Enjoy the value of prices and installments without change

echannel

Tenor up to. 5 years

Term ranging from 2 years to 5 years

open account

Ease of Owning Gold

Own gold bullion with an easy process

aksesbilitas

Maximum Financing

Get maximum financing up to IDR 150,000,000

poin

Competitive Margins

Enjoy attractive and competitive margin values

transaksi

Insurance Coverage

Get life and loss insurance coverage

atm

Fixed and Easy Installments

Enjoy the value of prices and installments without change

echannel

Tenor up to. 5 years

Term ranging from 2 years to 5 years

open account

Ease of Owning Gold

Own gold bullion with an easy process

aksesbilitas

Maximum Financing

Get maximum financing up to IDR 150,000,000

poin

Competitive Margins

Enjoy attractive and competitive margin values



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 credit/financing problems (SLIK OJK clear)

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 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 sale and purchase agreement at the agreed purchase price of an item

  • 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 Emasku Financing?

Emasku BTN iB financing is an Antam-certified gold bullion ownership solution based on sharia principles using a Murabahah (Purchase and Sale) contract.

What is the maximum financing that can be applied for?

The maximum BTN iB Emasku financing that can be applied for is 80% of the gold price according to SHEB.

What types of gold can be guaranteed with BTN iB Emasku Financing?

The type of gold that can be guaranteed with BTN iB Emasku Financing is Antam certified crushed gold with a minimum of 10 grams.

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