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KPR BTN Sejahtera for Indonesian Family’s Prosperity
Householding program from the Government aimed at Low-Income Communities (MBR) with low interest rates and easy installments to purchase landed welfare homes and flats built by developers.
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KPR BTN Sejahtera
KPR BTN Sejahtera is a Subsidized KPR for the FLPP (Housing Financing Liquidity Facility) scheme whose management is carried out by BP TAPERA with the provision for Low-Income Communities (MBR) in the formal employment sector/fixed income Non Participants Tapera.
Light advance payment start from 1%
5% fixed interest rate
Term Period until 20 years
Subsidies for advance payment of 4 Million Rupiah * (special House on site)
VAT-Free
Extensive network of partnerships with developers across Indonesia
| i. Applicant Requirements |
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| ii. Document Requirements |
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| iii. Other matters according to the provisions applicable to Bank BTN |
- In accordance with the selling price of subsidized housing set by the Government
- Term of up to 20 years
- 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
- 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
- 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
- the debtor/client dies (inheritance)
- 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
- 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
- Individual Documents Completeness
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Completeness
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Applicant
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Completed Loan Application Form with recent photograph of Applicant & Partner
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FC ID/Identity Card
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FC Family Card
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FC Marriage Letter/Divorce
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Employee income documents:
Document of income for entrepreneurs:
Self-employment income documents:
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Account statement from last 3 months
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FC NPWP / SPT PPh 21
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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.
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✔
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Statement for not having a house that is known by the workplace / head of the village where the ID card issued
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✔
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Domicile letter from the local kelurahan if not residing according to ID Card
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Certificate of Moved Assignmentfor TNI/Polri/PNS who submit KPR BTN Second subsidy
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- Requirements Document Collateral
- House certificate
- 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
