Discover seven BTN mortgage programs that offer convenience, competitive interest rates, and various options for buying a house, apartment, or shophouse, making the dream of owning property easier.
The dream of owning your dream home or property is no longer difficult to realize, thanks to the various choices of Home Ownership Credit (KPR) programs offered by Bank Tabungan Negara (BTN).
BTN understands the various needs of the community in owning a place to live or property for business, so they provide various mortgage products that can be adjusted to your financial capabilities and goals.
Starting from subsidized mortgages for Low-Income Communities (MBR), to financing for apartments or shophouses, BTN is here with flexible solutions.
Here are seven BTN Mortgage programs that can help you own your dream home or property in a more affordable and easy way.
1. KPR BTN Sejahtera: Subsidized Housing Solution for MBR
The KPR BTN Sejahtera program is one of BTN’s flagship products for Low-Income Communities (MBR), especially those who work in the formal sector with a fixed income.
This product is provided for subsidized housing financing managed with the FLPP (Housing Financing Liquidity Facility) scheme, which is also regulated by BP Tapera.
One of the major advantages of KPR BTN Sejahtera is the low interest rate that remains at 5% throughout the loan tenor. In addition, the down payment for this program is very light, starting from only 1%.
This product provides an opportunity for low-income people to own a house at an affordable price, and can be used to buy subsidized houses that have been provided by the government.
This program is suitable for those of you who have difficulty obtaining housing financing in a conventional way but still want to live in a decent, safe, and comfortable house.
2. KPR Tapera BTN: Financing for Tapera Participants
KPR Tapera BTN is here as a housing financing solution for participants in the Tapera (People’s Housing Savings) program.
This program is specifically for those who have registered as Tapera participants and have a fixed income. The purpose of the Tapera KPR program is to make it easier for Tapera participants to buy their first home.
The main advantage of KPR Tapera BTN is the very competitive interest rate, which is 5% fixed throughout the loan period. In addition, participants in this program can also get convenience in the form of a 0% down payment, which makes buying a house more affordable without having to spend a large initial cost.
The payment period is also very flexible, up to 30 years, giving participants the flexibility to plan their finances better.
3. KPR BTN Platinum: Flexible Choice for New, Second Homes, and Take Over Credit
KPR BTN Platinum is the right choice for those of you who want to buy a new home, second home, or take over a home loan from another bank.
This product offers high flexibility with a variety of credit ceiling options and terms of up to 30 years. The interest rates offered are also very competitive.
KPR BTN Platinum makes it easy for those of you who want to transfer home credit from another bank or buy a more affordable used home.
This program is perfect for people who want to buy a house with a limited budget but still want to get a mortgage facility that suits their abilities. Flexible payments allow you to set the term according to your monthly income.
- BTN Apartment Ownership Credit (KPA): Apartment Purchase Solution with Competitive Interest Rates
If you are more interested in buying an apartment than a house, then BTN Apartment Ownership Credit (KPA) is an excellent choice.
This product allows you to buy a new or second apartment, either from a developer or non-developer. BTN KPA has a competitive interest rate and flexible payment terms.
In addition, if you already have apartment financing from another bank, you can also take advantage of the credit takeover facility through BTN KPA.
With a term of up to 20 years, BTN KPA allows you to own an apartment with an easier process and lighter payment burden. This product is perfect for those of you looking for a place to live in a developing city or urban area.
5. BTN Home Collateral Credit (KAR): Financing for Consumptive Needs
For those of you who need additional funds for consumptive or investment needs, Bank BTN offers a Home Collateral Credit (KAR) facility. With this facility, you can use your house, apartment, or shophouse as collateral to obtain financing.
BTN KAR provides flexibility in terms of the amount of the loan and the term offered, as well as competitive interest rates.
This product is suitable for those of you who want to get a loan without having to sell your property, but still get cash for various needs. With collateral in the form of property, the interest rate charged is also lower compared to loans without collateral.
6. BTN Home Building Credit (KBR): Financing for Building or Renovating a House
If you already have land and intend to build or renovate a house, the BTN Home Building Credit (KBR) product is the right choice. BTN KBR provides credit facilities for building a house on land you own, with a flexible ceiling and a term of up to 10 years.
With competitive interest rates, KBR BTN provides an opportunity for you to own your dream home with sufficient funds. This program is perfect for those of you who want to renovate an existing home or build a new home, without having to spend a large amount of money directly.
7. BTN Shophouse Ownership Credit (KP-RT): Financing for Shophouses and Shophouses
For those of you who plan to own a shophouse or shophouse (rukan), either for business or investment purposes, the BTN Shophouse Ownership Credit (KP-RT) product is the ideal choice. This program allows you to own a new or second shophouse, or even take over credit from another bank.
With affordable interest rates and flexible payment terms, KP-RT BTN provides the right financing solution for entrepreneurs or investors who want to own commercial property.
This financing is perfect for those of you who want to own property to be used as a place of business or as a long-term investment.
Bank BTN provides various KPR programs that can be tailored to the needs of each individual, from subsidized housing financing to purchasing apartments and shophouses.
Each program has attractive features, such as competitive interest rates, flexible payment terms, and a relatively easy process, making it the right choice to realize the dream of owning a home or property.
Whether you are an MBR looking for your first home through KPR Mandiri, or a property investor looking to own a shophouse with KP-RT BTN, Bank BTN is ready to provide financing solutions that suit your goals and financial capabilities.
