Close
AUD 10,191.00 0.00
CNY 2,222.00 0.00
EUR 16,164.00 0.00
GBP 18,896.00 0.00
HKD 1,964.00 0.00
JPY 135.00 0.01
MYR 3,653.00 0.00
SAR 3,997.00 0.00
SGD 10,655.00 0.00
USD 14,238.00 0.00
Currency Purchasing Price Selling Price
  • AUD 9,982.00 10,191.00
  • CNY 1,999.00 2,222.00
  • EUR 15,901.00 16,164.00
  • GBP 18,491.00 18,896.00
  • HKD 1,645.00 1,964.00
  • JPY 123.00 135.00
  • MYR 3,313.00 3,653.00
  • SAR 3,556.00 3,997.00
  • SGD 10,342.00 10,655.00
  • USD 14,088.00 14,238.00

KPR Bersubsidi For Indonesian Family’s Prosperity

Get your dream house with KPR BTN Subsidi with conveniences and minumum cost.

KPR BTN Subsidi

Home Ownership program in partnership with the Ministry of Public Works and People's Housing aimed for Low-Income Communities (MBR) with small interest rates and light installments for your prosperous home


Light advance payment start from 1%

5% fixed interest rate

Term Period until 20 years

Subsidies for advance payment of 4 Million Rupiah * (special House on site)

VAT-Free

Extensive network of partnerships with developers across Indonesia

General information of KPR BTN Subsidi

  • 5.00% interest rate fixed over time credit

Process fee

Provision fee

0,5%

Administration fee

IDR 250.000

Interest of annuity calculation

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:
    • 4 million for Rumah Sejahtera Tapak
    • 7 million for Rumah Sejahtera 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 Bersubsidi 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 Bersubsidi in a ready condition for occupancy in accordance with applicable provision of KPR Bersubsidi
 
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
 
Prohibition
  • 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 Subsidized
  • 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
Sanctions:
  • 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

 

Completeness

 

 

Applicant

 

 

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:

  • SIUP, TDP
  • Last 3 months Report/Financial Records

 

Self-employment income documents:
Copy of License to practice

 

 

 

 

Account statement from last 3 months

 

 

 

 

FC NPWP / SPT PPh 21

 

 

 

 

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
    • House certificate
How to Register
  • Find the house that you desired through the link www.btnproperti.co.id, 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