USD 14,875.00 0.00
JPY 117.00 0.01
GBP 18,222.00 0.01
AUD 10,605.00 0.00
HKD 2,048.00 0.00
SGD 10,954.00 0.00
EUR 15,377.00 0.00
MYR 3,498.00 0.00
SAR 4,160.00 0.00
CNY 2,305.00 0.01
Currency Purchasing Price Selling Price
  • USD 14,625.00 14,875.00
  • JPY 105.00 117.00
  • GBP 17,712.00 18,222.00
  • AUD 10,319.00 10,605.00
  • HKD 1,716.00 2,048.00
  • SGD 10,568.00 10,954.00
  • EUR 15,024.00 15,377.00
  • MYR 3,138.00 3,498.00
  • SAR 3,693.00 4,160.00
  • CNY 2,068.00 2,305.00
BTN Contact Us

KPR BTN BP2BT Savings-based Housing Financing Assistance

Get your first occupancy through KPR BP2BT with the help of upfront subsidy up to Rp. 32.4 Million from the Government!


KPR Savings-Based Housing Financing Assistance (Bantuan Pembiayaan Perumahan Berbasis Tabungan/BP2BT) is a subsidized home ownership loan which is a cooperation program between BTN Bank and the Ministry of Public Works and Human Settlements (PUPR) that is provided along with subsidy for down payments to people who already have savings for the purchase of landed houses and the construction of self-help houses.

Pembelian Rumah Tapak dan Rumah Susun Pembangunan Rumah Swadaya

Subsidies for advance payment of 32.4 Million Rupiah

Light advance payment minimum 5%

Term Period until 20 years


Extensive network of partnerships with developers across Indonesia

General information of KPR BTN Subsidi

  • First year Interest Rate : 10%
  • Second year Interest Rate : 11%
  • Third year Interest Rate : 12%
  • Fourth year Interest Rate : floating while taking into account the highest limits set by the government.

Process fee

Provision fee


Administration fee

IDR 250.000

Costs may change due to bank’s condition.

Terms and Condition
  • Indonesia Citizenship aged 21 or married
  • The applicant's age does not exceed 65 years when the credit is due. Particularly ASABRI participants who get a recommendation from YKPP, the applicant's age are 80 years old when the credit is due
  • The applicant or spouse that don’t own house and never received a government subsidy for house ownership. Excluded 2 times for TNI/Polri/PNS who moved assignment.
  • Salary / basic income does not exceed:
    • 6.5 million for Rumah Sejahtera Tapak and Pembangunan Rumah Swadaya
    • 8.5 million for Rumah Susun
  • Having E-KTP
  • Tax ID and the Annual Income Tax Return of the individual according to the applicable legislation is a must
  • Developers must be registered with the Directorate General of Housing Finance of the Ministry of PUPR
  • Home specifications in accordance to government regulations
Debtor's Rights
  • Receiving ease of house owning  through KPR BP2BT facility if meets the criteria of KPR Bersubsidi 
  • Free Value Added Tax (VAT) in accordance with the Ministerial Regulation The applicable finance
  • Rumah Sejahtera is financed by KPR BP2BT in a ready condition for occupancy in accordance with applicable provision of KPR BP2BT
Debtor Obligations
  • Paying monthly installments on time until the credit term is finished/paid off
  • Using Rumah Sejahtera Tapak or Unit Rumah Sejahtera Susun as their own place to live within a period of at least 1 (one) year after the handover of the house
  • Maintaining Rumah Sejahtera in a good way
  • Installment overdue
  • Giving false and/or false information/statement/documents in submission Subsidized KPR
  • Abandoning or not inhabiting the house
  • Renting and/ or transferring home ownership is allowed, unless:
    • the debtor/client dies (inheritance)
    • occupancy has exceeded 5 (five) years for Rumah Sejahtera Tapak
    • occupancy has exceeded 20 (twenty) years for Unit Rumah Sejahtera Susun; or
    • relocation of residence in accordance with the provisions of laws and regulations
Consequences are Given if Applicant
  • Giving incorrect data/documents when applying for KPR BP2BT
  • Not occupy Rumah Sejahtera Tapak or unit Rumah Sejahtera Susun constantly within 1 (one) year
  • Earning income exceeds the provisions of the target group's income limit
  • The purchased house exceeds the limit of the selling price that already set in by the Ministerial Decree
  • Applicant renting and/or transferring ownership of the house
  • The applicant has received a home acquisition subsidy in the form of home ownership from the Government. Excluded 2 times for TNI/Polri/PNS who moved assignment
  • Termination of assistance of KPR BTN Bersubsidi
  • A refund of the assistance of subsidized KPR that has been received
  • OBTAINED TO PAY VAT owed according to legislation
Requirements Document Collateral
  • Individual Documents Completeness








Completed Loan Application Form with recent photograph of Applicant & Partner





FC ID/Identity Card





FC Family Card





FC Marriage Letter/Divorce





Employee income documents:

  • Last pay slip/Income Statement
  • Copy of Appointment Letter of Permanent Employee/Certificate of Employment (if applicant working in institution)


Document of income for entrepreneurs:

  • Last 3 months Report/Financial Records


Self-employment income documents:
Copy of License to practice





Account statement from last 3 months










Statement of income signed and sealed by the applicant and authorized by the head of the workplace or the head of the village for the non-permanent income community.





Statement for not having a house that is known by the workplace / head of the village where the ID card issued





Domicile letter from the local kelurahan if not residing according to ID Card





Certificate of Moved Assignmentfor TNI/Polri/PNS who submit KPR BTN Second subsidy



  • Requirements Document Collateral
    • Copy of certificate of land title in the name of the Applicant or their spouse
    •  Copy of building permit (IMB)
    •  Letter of the initial condition of the land or house, including photos
    • Budget plan (RAB)
How to Register
  • Find the house that you desired through the link, info on outlets BTN, property exhibition and so on
  • Completed documents
  • The application files will be processed by bank BTN, such as the Financial Information Service System (SLIK), data verification, and Analysis
  • If the application is approved, the Applicant prepares the sufficiency of the funds in BTN Saving
  • Credit Agreement
  • Credit disbursement