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- Consumer Credit
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Savings
- USD 14,173.00 14,473.00
- JPY 119.00 132.00
- GBP 19,267.00 19,878.00
- AUD 10,150.00 10,469.00
- HKD 1,670.00 2,009.00
- SGD 10,401.00 10,830.00
- EUR 16,115.00 16,552.00
- MYR 3,232.00 3,606.00
- SAR 3,577.00 4,057.00
- CNY 2,129.00 2,377.00
KPR BTN Mikro Provides an Easy Way for Having a House Gradually
Now the society can full fill their basic need of housing with installment that can be paid in daily, weekly, or monthly installments
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KPR BTN Mikro
Enjoy an ease to purchase land or homes, build houses, or renovate houses product, that prioritize for informal sector community
Payment can be done daily, weekly or monthly
Submissions and payments can be made at BTN Bank outlets, Post Offices, and Smart Agents
Term period until 10 years
Maximum credit until 75 million
Down payment for home purchases start from 1%
Down payment for home purchases start from 1%
- Interest rate 9.00%
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Process fee |
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Provision fee |
0,5% |
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Administration fee |
IDR 250.000 |
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Interest of annuity calculation |
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Costs may change due to bank’s condition.
- Indonesian Citizen Minimum age 21 (twenty one) or married and maximum 65 years old when credit is fully paid
- The informal community for a minimum of 1 (one) year has been incorporated in associations, associations and cooperatives
- FC savings accounts last 3 (three) Months
- Proof of land ownership in the form of SHM/SHGB on land/building to be pledged
- Having IMB and RAB Building
- Receive letters of recommendation from associations of associations, associations and cooperatives
- Having savings in Bank BTN saving average per month amount of installment/mortgage of BTN Micro for minimum 3 (three) Months
- Individual documents completeness
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Completeness
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Employee
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Application Form
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✔
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FC ID/Identity Card
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✔
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FC Family Card
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✔
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FC Marriage Letter/Divorce
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✔
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FC NPWP / SPT PPh 21
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✔
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FC Current Account or Saving Account last 3 months
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✔
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Business Certificate from Head of Village / Head of Village or Office of Market from location of business applicant who explain applicant is the business owner.
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✔
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Letter of Domicile stating the applicant has settled in the area
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✔
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Letter of Recommendation from the Association
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✔
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Have a simple record of sales results
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- Guarantee Document Requirement
- Certificate of land and building
- After saving in BTN for at least 3 Months, submit a request for KPR BTN Mikro
- Complete all the loan application file of KPR BTN Mikro and submit it to the Officer of Loan Service at the Branch Office
- If credit approval has been obtained, immediately prepare the credit realization cost on the applicant's savings account
- Signing of credit agreement and deed of sale and purchase
- Receive credit disbursement in accordance with the designation
- Installment payment KPR through saving
