Eligibility Requirements:
- Indonesian citizen with e-KTP
- At least 21 years old or married
- No owned home or government housing subsidies previously
- Must not be older than 65 at loan maturity
- Formal or informal employment with a minimum of 1 year activity
BTN KPR Sejahtera Application steps:
- Prepare necessary personal and financial documents
- Submit your application and documents to Bank BTN Syariah
- Ensure sufficient funds in your Bank BTN Syariah Savings for pre-approval costs
- Sign the financing agreement upon approval
- Receive loan disbursement from Bank BTN Syariah
Frequently Asked Questions:
How long does it take to get approved for a BTN KPR Sejahtera?
Approval times can vary, but typically, you can expect an answer within a few weeks of submitting all required documentation.
Is it required to explain why credit is being used?
No, it is not required to specify the usage of credit in the case of BTN KPR Sejahtera.
Do I need to have a good credit score to be approved for BTN KPR Sejahtera?
While a good credit score is beneficial, BTN KPR Sejahtera focuses more on providing opportunities for low-income families, including those with varying credit histories.
Can I apply for a loan if I am self-employed?
Yes, self-employed individuals are welcome to apply, provided they have at least one year of proven income.