Eligibility Requirements:
- Indonesian citizenship, aged 21+ or married
- Registered with BPJS Ketenagakerjaan for at least 1 year
- Adequate income as per BTN’s calculation
- Not owning a house (For First Home applicants)
- Organized documentation and BPJS Ketenagakerjaan contributions
Pembiayaan Perumahan BTN application steps:
- Submit an application via JMO Mobile/BTN Properti app or in-person at a BTN branch.
- Complete all necessary Additional Service Benefit documents.
- Documentation is verified by BPJS Ketenagakerjaan for eligibility.
- Prepare for the pre-realization credit fee post-approval.
- Sign the agreement and receive your funding disbursement.
Frequently Asked Questions
How long does it take to get approved for a Pembiayaan Perumahan BTN?
Approval times can vary, but typically it takes about 2-4 weeks after all documents are submitted and verified.
Is it required to explain why credit is being used?
Yes, detailing the use of credit is necessary, especially for targeted loans like PUMP or PRP.
Do I need to have a good credit score to be approved for Pembiayaan Perumahan BTN?
A good credit score is beneficial but not strictly necessary; eligibility is more focused on BPJS Ketenagakerjaan registration and income stability.
Can I apply for a loan if I am self-employed?
Yes, self-employed individuals can apply, provided they meet the income requirements and have organized documentation as per BTN guidelines.