Kredit Agunan Rumah BTN

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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

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

For your convenience self-managed banking transactions

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
Debtor Fixed Income	Fixed Rate 3 Years	8.25%
Debtor Non Fixed Income	Fixed Rate 1 Year	7.25%
Debtor Non Fixed Income	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
Debtor Fixed Income	Fixed Rate 3 Years	9.25%
Debtor Non Fixed Income	Fixed Rate 1 Year	9.25%
Debtor Non Fixed Income	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
PNS/ASN, TNI, POLRI, BUMN/BUMD	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

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