KPR BTN Platinum

It's time to own your dream luxury residence

Enjoy the convenience of purchasing classy housing with flexible and fast terms

KPR BTN Platinum

Purchase of houses from developers/non-developers, new/second-hand houses, ready to live in (ready stock)/not yet finished (indent), or take over credit from other banks.

Free Credit Ceiling

There is no maximum limit of credit provided

Competitive Interest Rates

Low interest rates available starting from 2.65%

Insurance Coverage

Creditor financial protection during the installment payment period

Jangka Waktu Cicilan s.d. 30 Tahun

Mortgage installment payments are longer, cheaper and easier

Fast and Easy

The mortgage approval process is hassle-free and short

Developer Collaboration

Cooperation agreement for legality and credit provision

Free Credit Ceiling

There is no maximum limit of credit provided

Competitive Interest Rates

Low interest rates available starting from 2.65%

Insurance Coverage

Creditor financial protection during the installment payment period

Jangka Waktu Cicilan s.d. 30 Tahun

Mortgage installment payments are longer, cheaper and easier

Fast and Easy

The mortgage approval process is hassle-free and short

Developer Collaboration

Cooperation agreement for legality and credit provision

Interest Rate

Counter Rate Umum

Min. Plafond	Skema Suku Bunga	Suku Bunga	Masa Fix Rate	Min. Tenor	Kriteria
Tidak ada	Fixed Rate	9,00%	FR 1 Thn	1 Thn	Berlaku untuk seluruh debitur KPR/KPA Non Subsidi
		10,00%	FR 3 Thn	3 Thn	Berlaku untuk seluruh debitur KPR/KPA Non Subsidi
		10,25%	FR 5 Thn	5 Thn

Promo Reguler

Min. Plafond	Skema Suku Bunga	Suku Bunga	Masa Fix Rate	Min. Tenor	Kriteria
Tidak ada	Fix Rate	4,50%	FR 1 Thn	8 Thn	Berlaku untuk seluruh debitur KPR/KPA Non Subsidi
		6,25%	FR 3 Thn	12 Thn
		7,50%	FR 5 Thn	15 Thn
		10,25%	FR 10 Thn	10 Thn
	Fix n Cap	6,50%	Thn 1-3	18 Thn
		9,25%	Thn 4-6
		12,00%	Thn 7-10
		12,99%	Thn 11 s.d. 18

Promo Special

Min. Plafond	Skema Suku Bunga	Suku Bunga	Masa Fix Rate	Min. Tenor	Kriteria
≥ 500 juta	Fix Rate	3,75%	FR 1 Thn	8 Thn	Berlaku untuk debitur dari : Developer dengan rating minimal Silver (primary, take over, secondary) atau Instansi/lembaga yang memiliki kerjasama funding atau lending dengan BTN (primary, take over, secondary), atau Debitur Program KPR Prioritas (primary, take over, secondary) Debitur Program KPR Eazy berlaku/menggunakan Suku bunga FR 3 tahun dan FR 5 Tahun (untuk ketentuan lain seperti plafond dll tetap mengacu kepada memo MSLD No. 1664/M/MSLD/PSD/XI/2025 dan 882/M/RFD/IRS/XI/2025)
		3,75%	FR 3 Thn	15 Thn
		6,47%	FR 5 Thn	15 Thn
		9,25%	FR 10 Thn	10 Thn
	Fix n Cap	4,25%	Thn 1-3	20 Thn
		7,50%	Thn 4-6
		10,75%	Thn 7-10
		12,99%	Thn 11 s.d. 20

Promo Khusus

Min. Plafond	Skema Suku Bunga	Suku Bunga	Masa Fix Rate	Min. Tenor	Kriteria
≥ 300 juta	Fix Rate	3,50%	FR 3 Thn	15 Thn	Berlaku untuk debitur dari : Developer minimal rating gold (primary, take over, secondary), atau Seluruh developer kelolaan SC (primary, take over, secondary),atau Debitur Institusi payroll/kolektif (primary, take over, secondary) atau Debitur KPR/KPA Take Over yang lancar 1 tahun,atau Debitur Secondary tanpa eksepsi SLIK, atau Debitur VIP atau VVIP (primary, take over, secondary)
≥ 300 juta		4,50%	FR 5 Thn	18 Thn
≥ 500 juta		2,65%	FR 3 Thn	15 Thn	Berlaku untuk debitur dari : Developer gold tanpa eksepsi SLIK (primary, take over, secondary), atau Developer Platinum, Titanium, developer kelolaan Sales Center (primary, take over, secondary), atau Debitur Institusi payroll atau kolektif (primary, take over, secondary), atau Debitur KPR/KPA Take Over yang lancar 2 tahun, atau Debitur VIP atau VVIP (primary, take over, secondary)

Biaya Provisi	0.20% dari plafon kredit
Biaya Proses	0.25% dari plafon kredit
Biaya Administrasi	Rp500.000

Terms & Conditions

Applicant must cover insurance (life and fire) with Banker Clause requirements
Willing to sign a credit agreement and APHT (Deed of Mortgage Encumbrance)
Payment of installments by auto debit from the Applicant's account at BTN
Indonesian citizen with min. 20 years old or married, has a permanent employee/entrepreneur/professional status
Minimum 1 year of service as an employee, minimum 5 years of business experience.
Applicant's age does not exceed 65 years

How to Register

1

Visit the BTN Branch Office

Customers can apply for KPR BTN Platinum credit at the nearest BTN Branch Office
2

Fill Out the Form

Customers fill out the form provided correctly and completely
3

Prepare Documents

Customers complete the application and submit all documents to the Loan Service Officer at the BTN Branch Office.
4

Pre-Realization Fee

If you have received credit approval, immediately prepare the pre-realization fee in the applicant's savings account
5

KPR Process Completed

The customer will receive a signed credit agreement and sale and purchase deed for KPR BTN

Find Answers to Your Questions

How long does it take to get the result of the KPR BTN Platinum application?

The time needed to apply for KPR BTN Platinum is 1-5-1 (one-day complete file, 5 days credit process, 1-day credit contract/disbursement) and 1-3-1 (one-day complete file, 3 days credit process, 1-day credit contract/disbursement).