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
BTN Contact Us

KPR BTN Subsidi

Get your dream house with KPR BTN Subsidi with conveniences and minumum cost.

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)


Extensive network of partnerships with developers across Indonesia

Types of Subsidized BTN KPR Products

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 allocation for Low-Income Communities (MBR) in the formal/fixed income employment sector Non Participants Tapera.


  • In accordance with the selling price of subsidized housing set by the Government
  • Term of up to 20 (twenty) years. 

 For detailed information about KPR BTN Sejahtera, click here

Savings-Based Housing Financing Assistance (BP2BT) is a government assistance program provided to Low-Income Communities (MBR) in the informal/non-fixed income employment sector who already have savings in order to fulfill some of the money advance for the acquisition of a house or part of the down payment for the acquisition of a house or part of the funds for the construction of self-help houses through credit or financing from Bank BTN.


  • In accordance with the selling price of subsidized housing set by the Government
  • Term of up to 20 (twenty) years. 

 For detailed information about KPR BTN BP2BT, click here

KPR Tapera BTN adalah pinjaman yang diberikan untuk pembelian rumah pertama khusus untuk PNS Peserta Tapera


  • Sesuai dengan harga jual rumah yang ditetapkan oleh Pemerintah
  • Jangka waktu paling lama 30 (tiga puluh) tahun. 

 Untuk detail informasi mengenai KPR BTN Tapera dapat klik disini

Costs may change due to bank’s condition.

Terms and 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
Debtor's Rights
  • 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
Debtor Obligations
  • 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
Consequences are Given if Applicant
  • 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
Requirements Document Collateral
  • Individual Documents Completeness








Completed Loan Application Form with recent photograph of Applicant & Partner





FC ID/Identity Card





FC Family Card





FC Marriage Letter/Divorce





Employee income documents:

  • Last pay slip/Income Statement
  • Copy of Appointment Letter of Permanent Employee/Certificate of Employment (if applicant working in institution)


Document of income for entrepreneurs:

  • Last 3 months Report/Financial Records


Self-employment income documents:
Copy of License to practice





Account statement from last 3 months










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.





Statement for not having a house that is known by the workplace / head of the village where the ID card issued





Domicile letter from the local kelurahan if not residing according to ID Card





Certificate of Moved Assignmentfor TNI/Polri/PNS who submit KPR BTN Second subsidy



  • Requirements Document Collateral
    • House certificate
How to Register
  • Find the house that you desired through the link, 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