KPR Tapera BTN

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USD 15,090.00 0.01

JPY 114.00 0.01

GBP 18,716.00 0.00

AUD 10,148.00 0.00

HKD 1,972.00 0.01

SGD 11,377.00 0.00

EUR 16,463.00 0.00

MYR 3,475.00 0.00

SAR 4,120.00 0.01

CNY 2,202.00 0.00

USD 14,890.00 15,090.00
JPY 112.00 114.00
GBP 18,462.00 18,716.00
AUD 1,011.00 10,148.00
HKD 1,847.00 1,972.00
SGD 11,224.00 11,377.00
EUR 16,239.00 16,463.00
MYR 3,326.00 3,475.00
SAR 3,867.00 4,120.00
CNY 2,173.00 2,202.00

For your convenience self-managed banking transactions

KPR Tapera BTN

The joint house ownership program between Bank BTN and BP Tapera is aimed at Low-Income Communities (MBR), which is currently specifically for Tapera Civil Servant Participants.

KPR Tapera BTN

KPR Tapera BTN is a loan given to purchase the first house specifically for Civil Servants of Tapera Participants

Fixed 5% interest

Maturity up to 30 years

Down payment 0%

KTP, Salary Slip, Account Statement

General information of KPR Tapera BTN

Costs may change due to bank’s condition.

Terms and Condition

i. Applicant requirements for submitting a Home Ownership Loan (KPR):

WNI at least 20 years old or married;
Registered as a Tapera Participant
Fill in Sitara on the website: https://sitara.tapera. go.id/
The maximum income of the Applicant is IDR 8 million, specifically for Papua & West Papua IDR 10 million;
Applicant and Spouse do not own a home
Never received a housing subsidy from the government
Have a Taxpayer Identification Number (NPWP) Have an Annual Income Tax Return (SPT) for personal income tax
NIK is registered with Dukcapil

ii. Document requirements for applying for Home Renovation Loans (KPR):

KTP (applicant and spouse for prospective married debtors);
Family Card (KK);
Taxpayer Identification Number (NPWP);
Book or Marriage Certificate for those who are married or Letter/Divorce Certificate for those who are divorced;
Salary slip for the last 3 months;

iii. Other matters according to the provisions applicable to Bank BTN

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