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USD 15,100.00 0.00
JPY 116.00 0.01
GBP 18,398.00 0.00
AUD 10,455.00 0.01
HKD 2,074.00 0.00
SGD 10,921.00 0.00
EUR 15,804.00 0.00
MYR 3,570.00 0.00
SAR 4,224.00 0.00
CNY 2,357.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,850.00 15,100.00
  • JPY 104.00 116.00
  • GBP 17,892.00 18,398.00
  • AUD 10,180.00 10,455.00
  • HKD 1,743.00 2,074.00
  • SGD 10,538.00 10,921.00
  • EUR 15,446.00 15,804.00
  • MYR 3,210.00 3,570.00
  • SAR 3,757.00 4,224.00
  • CNY 2,119.00 2,357.00
BTN Contact Us

Fulfill Your Needs at Ease

Home renovation, education, traveling, Hajj pilgrimage, buy a vehicle or other expenses. It's easy to get with Kredit Agunan Rumah (KAR) BTN, with competitive interest rate along with quick and easy process of submission and disbrusement

Kredit Agunan Rumah BTN

Kredit Agunan Rumah BTN is a credit facility from Bank BTN to provide various consumer needs by pledging the residential/apartment/shop

Unlimited Credit Plafond

Term of period up to 10 years

Competitive interest rate

Quick and easy process

Life and fire insurance coverage

KAR Interest Rate for Existing Debtors (Compensation and Top Up)

Categories

Fixed Period

Interest Rate

Debtor Terms

Debtor Fixed Income

Fixed Rate
2 Years

7.50%

  • Special for Existing Debtors (having credit that is still running at BTN or which has been paid off for a maximum of 5 years) and has a current credit history of at least 2 years
  • Must have BTN Batara Savings deposit 1x initial installment and use it (Batara BTN Savings) actively

Fixed Rate
3 Years

8.25%

Debtor Non Fixed Income

Fixed Rate
1 Year

7.25%

Fixed Rate
3 Years

7,75%

KAR Interest Rate for New/General Debtors

Categories

Fixed Period

Interest Rate

Debtor Terms

Debtor Fixed Income

Fixed Rate
2 Years

9.00%

Must have Batara BTN Savings deposit 1x initial installment and use it (Batara BTN Savings) actively

Fixed Rate
3 Years

9.25%

Debtor Non Fixed Income

Fixed Rate
1 Year

9.25%

Fixed Rate
3 Years

9.50%

Institutional KAR Interest Rate (PNS/ASN, TNI, Polri, BUMN/BUMD)

Categories

Fixed Period

Interest Rate

Debtor Terms

PNS/ASN, TNI, POLRI, BUMN/BUMD

Fixed Rate
1 Year

7.00%

Must have BTN Batara Savings deposit 1x initial installment and use it (Batara BTN Savings) actively

Fixed Rate
2 Years

7.50%

Costs may change due to bank’s condition.

Terms and Conditions
  • Indonesian Citizen with min age 21 or married, has permanent employee/entrepreneur/professional status
  • Employee working period min 1 year, business period/profession min 1 year
  • Applicant’s age does not exceed 65 years
  • Signed credit agreement and APHT
  • Installment payments are automatically debited from the applicant's account in Bank BTN
Document Completeness
  • Individual Documents Requirement

Document

Employee

Entrepreneur

Professional

Credit Application Form

Copy of Applicant’s ID Card

Copy of Spouse ID Card

Copy of Family Card

Copy or marriage or divorce certificate

Copy of NPWP/annual tax record

Copy of Appointment of Permanent Employee *



Original salary slip or income declaration in the previous one month



Copy of SIUP **



Copy of TDP**



Copy of valid Deed of Establishment/Change**



Copy of MOJ Ratification Deed**



Company Financial Data



Copy of License Practice



Copy of savings account in the previous three months*

Applicant and spouse photograph (if married)

 

* For spouse joint income application, provide documents from both parties

** For Entrepreneur and business entity

 
  • Guarantee Documents Requirement
    • Copy of HM/HGB/Strata Title certificate
    • Copy of building permit (IMB)

 

How to Register
  • Apply for KAR credit to the nearest Branch Office Bank BTN
  • Fill out the application form correctly
  • Complete all Kredi KAR BTN application files and submit to Officer of Loan Service at the Branch Office
  • If you have obtained credit approval, immediately prepare the credit realization cost on the applicant's savings account
  • Signing of credit agreement and APHT