BTN Bank: Pioneering Indonesian Housing Finance with Over 4 Million Satisfied Customers
What you need to know about this loan:
- Loan Amounts Offered: Up to IDR 500,000,000 for KPR BP Jamsostek and IDR 150,000,000 for PUMP.
- Loan Terms (monthly): Flexible terms up to 30 years for maximum financial ease.
- Payment methods: Payments can be made via payroll deductions, collective arrangements, or other Bank BTN-endorsed methods.
- Interest rate: Competitive fixed interest rate ensuring stability throughout the loan period.
Pros:
- Long Term Financing: Offers a repayment period of up to 30 years, helping borrowers manage payments easily.
- High Loan Limits: Access up to IDR 500,000,000 for KPR BP Jamsostek to cover extensive property costs.
- Renovation Funding: Provides an additional IDR 200,000,000 for housing renovations under PRP.
- Stable Interest Rates: Fixed rates provide predictability and protect against rate fluctuations.
- Special Entry Loan: Up to IDR 150,000,000 available to assist with initial down payments.
Cons:
- Eligibility Restrictions: Requires at least one year of registration with BPJS Ketenagakerjaan.
- Limited to Initial Purchase or Renovation: Not suitable for those seeking unrestricted financial products.
Why Choose BTN for Your Loan?
Compared to Mandiri’s similar offering, BTN provides a notably higher loan limit of IDR 500,000,000 vs. IDR 350,000,000, catering better to those needing substantial funding.
Unlike BRI’s housing loans, BTN offers a fixed interest rate, protecting borrowers from future interest volatility.
BTN’s renovation loan limit exceeds that of BCA, which caps at IDR 150,000,000, making it a superior choice for extensive renovations.
BTN allows for longer repayment terms of up to 30 years compared to BNI’s maximum of 20 years, easing the monthly financial burden on borrowers.
Exclusive to BTN, the PUMP loan supports first-time homeowners more comprehensively than CIMB Niaga’s starter loan package, which lacks the supportive features found in BTN’s offering.
How to Apply for Your Pembiayaan Perumahan BTN
Discover the ease of applying for the Pembiayaan Perumahan BTN.
Simply visit a dedicated portal or use the JMO Mobile/BTN Properti app to submit your application today—your dream home awaits just a few clicks away!