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- USD 14,118.00 14,418.00
- JPY 124.00 137.00
- GBP 19,865.00 20,491.00
- AUD 10,864.00 11,199.00
- SGD 10,556.00 10,984.00
- EUR 17,121.00 17,580.00
- MYR 3,268.00 3,644.00
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- CNY 2,105.00 2,352.00
KPR Bersubsidi For Indonesian Family’s Prosperity
Get your dream house with KPR BTN Subsidi with conveniences and minumum cost.
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KPR BTN Subsidi
Home Ownership program in partnership with the Ministry of Public Works and People's Housing aimed for Low-Income Communities (MBR) with small interest rates and light installments for your prosperous home
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
General information of KPR BTN Subsidi
- 5.00% interest rate fixed over time credit
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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.
- Indonesia Citizenship aged 21 or married
- The applicant's age does not exceed 65 years when the credit is due. Particularly ASABRI participants who get a recommendation from YKPP, the applicant's age are 80 years old when the credit is due
- The applicant or spouse that don’t own house and never received a government subsidy for house ownership. Excluded 2 times for TNI/Polri/PNS who moved assignment.
- Salary / basic income does not exceed:
- 4 million for Rumah Sejahtera Tapak
- 7 million for Rumah Sejahtera Susun
- Having E-KTP
- Tax ID and the Annual Income Tax Return of the individual according to the applicable legislation is a must
- Developers must be registered with the Directorate General of Housing Finance of the Ministry of PUPR
- Home specifications in accordance to government regulations
- 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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✔
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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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Employee income documents:
Document of income for entrepreneurs:
Self-employment income documents:
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✔
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Account statement from last 3 months
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✔
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FC NPWP / SPT PPh 21
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✔
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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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✔
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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
