KPA BTN Platinum

Dynamic Living with a Dream Apartment

Credit for your dream apartment purchase with family

KPA BTN Platinum

Apartment purchases from developers/non-developers, both new/second apartment purchases, ready-to-live/unfinished apartments (indent), and take-over loans from other banks

Free Limit

Determine and apply for a credit limit as desired

15-Year Period

KPA has a credit period of up to 15 years

Competitive Interest Rate

Interest rates that are certainly competing with other banks

Location Selection

You are free to choose the location of the apartment you want

Life Insurance

Credit life and fire insurance protection

Developer Cooperation

A collaborative relationship with developers throughout Indonesia

Free Limit

Determine and apply for a credit limit as desired

15-Year Period

KPA has a credit period of up to 15 years

Competitive Interest Rate

Interest rates that are certainly competing with other banks

Location Selection

You are free to choose the location of the apartment you want

Life Insurance

Credit life and fire insurance protection

Developer Cooperation

A collaborative relationship with developers throughout Indonesia

Interest Rate

Promo Reguler

Min. Plafond	Skema Suku Bunga	Suku Bunga	Masa Fix Rate	Min. Tenor	Kriteria
Tidak ada	Fixed 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
		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)

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

Syarat dan ketentuan lain untuk bunga pada table diatas:

Untuk promo Fixed & Cap, setelah masa Fixed & Cap berakhir dikenakan kenaikan suku bunga floating sesuai ketentuan suku bunga floating yang berlaku pada saat itu.
Minimal plafond, minimal tenor kredit dan naik berjenjang sesuai tabel di atas
Minimal plafond, minimal tenor kredit dan naik berjenjang sesuai tabel diatas
Jangka waktu KPR s.d 30 Tahun dan KPA s.d 20 Tahun
Debitur wajib memiliki Tabungan Batara mengendap 1 (satu) kali angsuran awal sampai dengan jangka waktu kredit dan menggunakannya secara aktif.
Debitur yang melakukan pelunasan atau pembayaran pokok ekstra sebelum melewati minimal tenor dikenakan pinalti sesuai tabel diatas.
Suku bunga tersebut berlaku untuk akad kredit baru mulai tanggal 1 Maret 2026 s.d. 30 Juni 2026 serta dapat dievaluasi sewaktu waktu.

Terms & Conditions

Indonesian citizen with a minimum age of 21 years or married, has a permanent employee/entrepreneur/professional status
Employee work duration min 1 year, business/profession duration min 1 year
Applicant's age does not exceed 65 years
Applicant must cover insurance (life and fire) with banker clause requirements
Willing to sign a credit agreement and APHT (Deed of Mortgage Encumbrance)
Installment payment by auto debit from the applicant's account at BTN