Discover a variety of BTN mortgage program options, from KPR Sejahtera to mortgages for apartments and shophouses, which offer convenience and competitive interest rates to make your dream home come true.
Owning a dream home is the desire of many people, and one way to make it happen is by using the Home Ownership Credit (KPR) facility. Bank Tabungan Negara (BTN) offers a variety of mortgage products that can be tailored to the financial needs of each individual.
Starting from subsidy programs for Low-Income Communities (MBR) to credit products for purchasing apartments and shophouses, BTN provides a variety of choices with competitive interest rates and relatively easy-to-fulfill requirements.
This article will discuss in detail the seven BTN Mortgage programs that can help you own your dream home more easily and affordably.
1. BTN Sejahtera Mortgage: Subsidized Home Financing for MBR
BTN Sejahtera Mortgage is a mortgage product specifically intended for Low-Income Communities (MBR).
This program was launched with the FLPP (Housing Financing Liquidity Facility) scheme, managed by BP Tapera, and provides an opportunity for those working in the formal sector to own a home at a lower cost.
One of the advantages of KPR BTN Sejahtera is the very competitive interest rate, which is only 5% fixed throughout the loan tenor. In addition, the down payment offered is very affordable, starting from 1%.
This program provides a solution for those who have difficulty getting home financing in a conventional way, but still want to have a home in a comfortable and safe environment.
This product can be used to buy subsidized houses that have been provided by the government, thus meeting housing needs at affordable prices.
2. KPR Tapera BTN: Home Loans for Tapera Participants
The KPR Tapera BTN program is specifically designed for Tapera Participants, a national program that aims to provide home financing facilities for participants with a fixed income.
This facility allows Tapera participants to buy their first home with low interest rates and flexible payment terms.
The interest rate offered on KPR Tapera BTN is a fixed 5% with a term of up to 30 years, which is very beneficial for those who are just starting their journey to own a home.
One of the main advantages of KPR Tapera is the 0% down payment, which allows participants to buy a house without having to spend a large down payment.
This program provides an opportunity for Tapera participants to own a home more easily, without the burden of high initial costs.
3. KPR BTN Platinum: Financing Flexibility for New, Second, or Take Over Homes
KPR BTN Platinum is the ideal choice for those who want to buy a new home, second home, or even take over a home loan from another bank. This product offers greater flexibility in terms of credit limits and a choice of terms of up to 30 years, as well as competitive interest rates.
With the option to buy a second home or take over credit, KPR BTN Platinum is the right solution for those who want to transfer home financing from another bank or buy a used home at a more affordable price.
This program provides convenience in terms of payment flexibility, allowing you to choose a term that suits your financial capabilities.
4. BTN Apartment Ownership Credit (KPA): Apartment Financing Solution
For those of you who are more interested in buying an apartment than a house, Bank BTN also offers an Apartment Ownership Credit (KPA) program.
This program allows customers to buy new or second apartments from developers or non-developers. With competitive interest rates and a relatively easy process, KPA BTN provides wider access for those of you who want to own an apartment in urban areas or in developing areas.
In addition, if you already have credit for purchasing an apartment at another bank, you can also take advantage of the credit takeover facility through KPA BTN.
With a term of up to 20 years and competitive interest rates, this program allows you to own an apartment without the burden of excessive payments.
5. BTN Home Collateral Credit (KAR): Financing with Home Collateral
For those of you who need additional funds for consumptive or investment needs, Bank BTN also offers Home Collateral Credit (KAR). This facility allows customers to use their own house, apartment, or shophouse as collateral to obtain financing.
BTN KAR provides flexibility in loan amount and term, with competitive interest. This product is suitable for those who need cash in a more affordable way and do not want to sell their property.
With collateral in the form of a house, you can get a loan with a lower interest rate compared to unsecured loans.
6. BTN Home Building Credit (KBR): Financing for Building or Renovating a House
For those who already have land and want to build a house or renovate it, BTN Home Building Credit (KBR) is the right financing solution. This product provides financing facilities to build a house on land that is owned, with a free ceiling and a term of up to 10 years.
With competitive interest rates, BTN KBR allows you to build your dream home with sufficient funds. The easy and fast process makes this product very suitable for those who want to have a new home or renovate an old home without having to spend a large amount of money directly.
7. BTN Shophouse Ownership Credit (KP-RT): Financing for Shophouses or Shophouses
For those of you who are planning to open a business or invest in commercial property, the BTN Shophouse Ownership Credit (KP-RT) product is the right choice.
This program allows you to have a shophouse or shophouse (rukan), either for business purposes or as a form of long-term investment.
With a variety of flexible program options, ranging from affordable interest rates to long payment terms, BTN KP-RT provides an ideal financing solution for entrepreneurs and property investors. This financing can be used to buy new or second-hand shophouses, as well as to take over credit from other banks.
Bank BTN offers various KPR programs that can be adjusted to various community needs, ranging from subsidized housing financing to purchasing apartments and shophouses.
Each program has its own advantages and benefits, with competitive interest rates and a relatively easy process.
From KPR BTN Sejahtera which provides convenience for Low-Income Communities to KPR Tapera for participants registered in the Tapera program, Bank BTN is committed to providing the best home financing solutions for the people of Indonesia.
So, if you are looking for a way to own your dream home or property, KPR Mandiri products are a very worthy choice to consider.
