USD 15,210.00 0.01
JPY 117.00
GBP 18,728.00 0.00
AUD 10,163.00 0.00
HKD 1,988.00 0.01
SGD 11,445.00 0.00
EUR 16,448.00 0.00
MYR 3,511.00 0.00
SAR 4,150.00 0.00
CNY 2,211.00 0.00
Currency Purchasing Price Selling Price
  • USD 15,010.00 15,210.00
  • JPY 115.00 117.00
  • GBP 18,477.00 18,728.00
  • AUD 10,027.00 10,163.00
  • HKD 1,862.00 1,988.00
  • SGD 11,293.00 11,445.00
  • EUR 16,229.00 16,448.00
  • MYR 3,365.00 3,511.00
  • SAR 3,897.00 4,150.00
  • CNY 2,182.00 2,211.00
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Best Solution for you Developer

No need to worry MSME Credit for Renovation Working Capital for you Developers to help with working capital renewal (renovation) and other costs. With MSME Loans for Renovation Working Capital, doing business is easy!

Kredit UMKM Modal Kerja Renovasi

Working capital credit given to developer (Develoepr) to help with working capital for renewal (renovation) and cost of certificate management (transfer of certificate name) ex. Non-performing loan collateral that has been purchased in cash and paid off

Financing up to 5 billion

Quick and easy process

Easy credit requirements

Helping developers to renovate houses and administer certificates


Competitive interest rate

The time period is adjusted to the estimated project development

Information on Kredit UMKM Modal Kerja Renovasi of Working Capital

  • Interest rate adjustable according to terms and conditions
  • The disbursement of the financing component for the certificate management fee is made on a reimbursement basis
  • First disbursement of Renovation RAB components up to 20%

Costs may change due to bank’s condition.

Features and Cost
1 Product Name Kredit UMKM Modal Kerja Renovasi
2 Product Type Earning Credit
Credit Ceiling
s.d. 5 billion
5 Term
According to product terms
Administration Fee
0.25% or a minimum of IDR 250 thousand
Provision Fee 0.75% – 1%

  *) Terms and conditions apply

Terms and Conditions
  • Prospective debtors dhi developers are not affiliated with developers in housing projects whose units are former collateral for non-performing loans and have been purchased by prospective debtors
  • House units financed for renovation are in one location and/or multiple housing project sites
  • IMB (Building Permit) has been issued
  • The main collateral for the housing unit being the object to be financed is the land and the building that stands on it
  • Additional Collateral in the form of fixed assets, movable objects, and deposits

Document Completeness

Applicant Documents


Business Entities

KTP of the applicant's husband/wife, Family Card, and Marriage/Divorce Certificate

Deed of Establishment of the Company up to Last Amendment Deed


Plan for Housing Project Development Budget

NPWP (Taxpayer Identification Number)

Business Licensing: SIUP, SIUJK, TDP, SITU or Business Information from Kelurahan/Kecamatan or Market Service if the business is in the market

Legality of place of business (IMB, proof of land rights/certificate, lease agreement

Business financial records

Financial statements

Savings/giro account showing business transactions

Details of credit allocation

Credit collateral

*) Terms and Conditions apply
How to Register
  • Apply for kredit UMKM to the nearest Bank BTN
  • Submit and prepared files
  • Files that have been received will be processed and verified by Bank BTN
  • After passing and approved then the applicant will do the credit agreement
  • Credit Disbursement

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