Awarded as Indonesia’s Most Trustworthy Bank in 2023, BNI sets the standard in reliable banking solutions.
What you need to know about this loan:
- Loan Amounts Offered: Up to IDR 20 billion
- Loan Terms (monthly): Up to 30 years for home purchases, 25 years for renovations, 10 years for commercial properties
- Payment methods: Easy online payments through eform BNI Griya
- Interest rate: Competitively low rates, specifics depend on loan type and duration
Pros
- Low Interest Rates: Enjoy some of the lowest rates in the market, making financing more affordable.
- Flexible Loan Terms: Up to 30 years of payment terms, allowing you a comfortable timeline to repay.
- Online Loan Application: Streamline your application process with BNI Griya’s user-friendly online platform.
- High Credit Ceiling: Access up to IDR 20 billion to fund your real estate dreams.
- Property Search Facility: Collaborative property search through bnidigigriya.id enhances your buying options.
Cons:
- Late Payment Penalty: A charge of 2.5% per month on late payments can accumulate quickly.
- Early Repayment Fee: Fees of up to 3.0% can apply, which might be a deterrent to early settlement.
Why Choose BNI for Your Loan?
BNI Griya offers a higher maximum loan amount compared to Mandiri’s maximum housing loan, making it suitable for high-end property investments.
While BRI provides good services, BNI’s longer loan terms and lower interest rates for comparable real estate loans stand out.
BNI Griya’s integration with property developers offers unique real estate options that BCA’s housing loans do not.
The flexibility of BNI’s credit terms is superior to those of CIMB Niaga, which tends to have stricter repayment conditions.
BNI’s established reputation and broader range of loan amounts provide a more reliable and scalable financing solution compared to the newer offerings by Bank Jago.
How to Apply for BNI Griya Loan
Embark on your journey to home ownership with ease! Simply visit BNI’s online platform and fill out the eform BNI Griya. Start your application today!