Kalkulator KPR BTN
Hitung cicilan KPR BTN dengan SBDK terkini. Gratis, tanpa daftar.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with BTN (Bank Tabungan Negara). "BTN (Bank Tabungan Negara)" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
Suku bunga KPR BTN
| Bank | SBDK KPR | Tenor maks |
|---|---|---|
| BTN | 8.04% (Okt 2025) | hingga 20–25 tahun |
Referensi 2026 — bunga sering fixed beberapa tahun lalu floating. Verifikasi dengan bank.
Contoh perhitungan
KPR Rp 1.000.000.000 di BTN dengan bunga 8.04% selama 20 tahun:
- Cicilan/bulan: Rp 8,389,312
- Total bunga: Rp 1,013,434,894
- Total dibayar: Rp 2,013,434,894
Frequently Asked Questions
Berapa suku bunga KPR BTN?
SBDK KPR BTN sekitar 8.04% (data Oktober 2025). Verifikasi rate terkini dengan bank.
Bagaimana menghitung cicilan KPR BTN?
Metode anuitas (saldo menurun). Masukkan jumlah pinjaman, bunga, dan tenor di kalkulator.
Apa itu KPR Subsidi (FLPP)?
Program pemerintah bunga tetap rendah (~5%) untuk rumah pertama berpenghasilan rendah, dengan batas harga dan penghasilan.
Berapa uang muka KPR?
BI mengizinkan LTV hingga 100% (2026), DP bisa 0%, namun DP lebih besar menurunkan cicilan.
BTN KPR Rates: Commercial vs. Subsidized FLPP
Bank Tabungan Negara (BTN) runs two KPR tracks against Bank Indonesia's BI 7-Day Reverse Repo Rate (5.75%, 19 August 2026). At the Danantara Housing Expo 2026 (28 August 2026), BTN announced a commercial rate starting at 2.75% with a 30-year term. Separately, BTN channels most of Indonesia's government-subsidized FLPP loans, fixed at 5% per year for the entire tenor (as of 1 September 2026 reporting), with the maximum tenor potentially extending to 40 years.
Worked Example: BTN Commercial KPR at 2.75% over 30 Years
Rp400,000,000 at 2.75% over 30 years (360 months): r = 0.0275/12 = 0.00229167, (1+r)360 ≈ 2.27973.
M ≈ Rp1,633,200 per month.
Frequently Asked Questions
What's the difference between BTN's commercial KPR and FLPP KPR?
BTN's commercial KPR is a standard market-rate mortgage (starting at 2.75% with a 30-year term as of August 2026, promotional). FLPP is a government-subsidized loan for qualifying low-income, first-time buyers, fixed at 5% per year for the entire tenor.
Is BTN's FLPP rate really fixed at 5% for the whole loan, not just year one?
Yes, based on reporting from 1 September 2026, the FLPP rate is fixed at 5% per annum across the full loan tenor, which can now extend up to 40 years pending BP Tapera's implementation rules.
Who qualifies for BTN's cheapest commercial KPR promo rates?
BTN's lowest commercial promo rates have carried eligibility conditions such as minimum loan size, purchase from partner developers, and civil-servant/BUMN-linked programs — always check the specific promo's terms.