USD 15,100.00 0.00
JPY 116.00 0.01
GBP 18,398.00 0.00
AUD 10,455.00 0.01
HKD 2,074.00 0.00
SGD 10,921.00 0.00
EUR 15,804.00 0.00
MYR 3,570.00 0.00
SAR 4,224.00 0.00
CNY 2,357.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,850.00 15,100.00
  • JPY 104.00 116.00
  • GBP 17,892.00 18,398.00
  • AUD 10,180.00 10,455.00
  • HKD 1,743.00 2,074.00
  • SGD 10,538.00 10,921.00
  • EUR 15,446.00 15,804.00
  • MYR 3,210.00 3,570.00
  • SAR 3,757.00 4,224.00
  • CNY 2,119.00 2,357.00
BTN Contact Us

Owning an Ideal Apartment at Ease

Owning an ideal apartment within this dynamic city is very easy with Kredit Kepemilikan Apartment BTN which aimed to help to get your dream apartment in a easy and convenience way

Kredit Pemilikan Apartemen BTN

Kredit Kepemilikan Apartment from Bank BTN is for apartment purchasing needs from developers or non-developers, either for the new or second apartments, the purchase of ready-made apartments (ready stock) or indent, or over credit from other banks

Unlimited credit plafond

Term of period up to 15 years

Competitive interest rate

Life and fire insurance coverage

Free to choose your ideal apartment location

In cooperation with many developer (partners)

  • Interest rate calculation system is Annuity

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 3 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 KPA BTN credit to the nearest Branch Office Bank BTN
  • Fill out the application form
  • Complete all KPA 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 in of credit agreement and APHT