USD 15,000.00 0.01
JPY 108.00 0.01
GBP 18,660.00 0.00
AUD 9,911.00 0.01
HKD 1,964.00 0.01
SGD 11,111.00 0.00
EUR 16,058.00 0.01
MYR 3,329.00 0.00
SAR 4,099.00 0.01
CNY 2,114.00 0.01
Currency Purchasing Price Selling Price
  • USD 14,800.00 15,000.00
  • JPY 106.00 108.00
  • GBP 18,405.00 18,660.00
  • AUD 9,775.00 9,911.00
  • HKD 1,838.00 1,964.00
  • SGD 10,959.00 11,111.00
  • EUR 15,837.00 16,058.00
  • MYR 3,181.00 3,329.00
  • SAR 3,846.00 4,099.00
  • CNY 2,086.00 2,114.00
BTN Contact Us

KPR Tapera BTN

The joint house ownership program between Bank BTN and BP Tapera is aimed at Low-Income Communities (MBR), which is currently specifically for Tapera Civil Servant Participants.

KPR Tapera BTN

KPR Tapera BTN is a loan given to purchase the first house specifically for Civil Servants of Tapera Participants

Fixed 5% interest

Maturity up to 30 years

Down payment 0%

KTP, Salary Slip, Account Statement

General information of KPR Tapera BTN

Costs may change due to bank’s condition.

Terms and Condition
 i. Applicant requirements for submitting a Home Ownership Loan (KPR):
  • WNI at least 20 years old or married;
  • Registered as a Tapera Participant
  • Fill in Sitara on the website: https://sitara.tapera.
  • The maximum income of the Applicant is IDR 8 million, specifically for Papua & West Papua IDR 10 million; 
  • Applicant and Spouse do not own a home 
  • Never received a housing subsidy from the government
  • Have a Taxpayer Identification Number (NPWP) Have an Annual Income Tax Return (SPT) for personal income tax 
  • NIK is registered with Dukcapil
ii. Document requirements for applying for Home Renovation Loans (KPR):
  • KTP (applicant and spouse for prospective married debtors);
  • Family Card (KK);
  • Taxpayer Identification Number (NPWP);
  • Book or Marriage Certificate for those who are married or Letter/Divorce Certificate for those who are divorced;
  • Salary slip for the last 3 months;
iii. Other matters according to the provisions applicable to Bank BTN 




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