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

Fulfill Your Needs at Ease

Home renovation, education, traveling, Hajj pilgrimage, buy a vehicle or other expenses. It's easy to get with Kredit Agunan Rumah (KAR) BTN, with competitive interest rate along with quick and easy process of submission and disbrusement

Kredit Agunan Rumah BTN

Kredit Agunan Rumah BTN is a credit facility from Bank BTN to provide various consumer needs by pledging the residential/apartment/shop

Unlimited Credit Plafond

Term of period up to 10 years

Competitive interest rate

Quick and easy process

Life and fire insurance coverage

Masa Fix Suku Bunga Keterangan
Fixed 1 Tahun
11,50% Untuk KAR Umum
Fixed 2 Tahun
12,00% Untuk KAR Umum
Fixed 1 Tahun 9,50%
Fixed 2 Tahun 9,75%
Fixed 1 Tahun 9,50% Untuk Kompensasi/Top up
Fixed 2 Tahun 9,75% Untuk Kompensasi/Top up

Costs may change due to bank’s condition.

Terms and Conditions
  • Indonesian Citizen with min age 21 or married, has permanent employee/entrepreneur/professional status
  • Employee working period min 1 year, business period/profession min 1 year
  • Applicant’s age does not exceed 65 years
  • Signed credit agreement and APHT
  • Installment payments are automatically debited from the applicant's account in Bank BTN
Document Completeness
  • Individual Documents Requirement





Credit Application Form

Copy of Applicant’s ID Card

Copy of Spouse ID Card

Copy of Family Card

Copy or marriage or divorce certificate

Copy of NPWP/annual tax record

Copy of Appointment of Permanent Employee *

Original salary slip or income declaration in the previous one month

Copy of SIUP **

Copy of TDP**

Copy of valid Deed of Establishment/Change**

Copy of MOJ Ratification Deed**

Company Financial Data

Copy of License Practice

Copy of savings account in the previous three months*

Applicant and spouse photograph (if married)


* For spouse joint income application, provide documents from both parties

** For Entrepreneur and business entity

  • Guarantee Documents Requirement
    • Copy of HM/HGB/Strata Title certificate
    • Copy of building permit (IMB)


How to Register
  • Apply for KAR credit to the nearest Branch Office Bank BTN
  • Fill out the application form correctly
  • Complete all Kredi KAR BTN application files and submit to Officer of Loan Service at the Branch Office
  • If you have obtained credit approval, immediately prepare the credit realization cost on the applicant's savings account
  • Signing of credit agreement and APHT