{"id":3990,"date":"2024-06-26T19:00:10","date_gmt":"2024-06-26T12:00:10","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=3990"},"modified":"2026-08-20T13:23:00","modified_gmt":"2026-08-20T06:23:00","slug":"kpr-btn-syariah","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/kpr\/kpr-btn-syariah\/","title":{"rendered":"Mengenal KPR BTN Syariah. Lengkap dengan Syarat dan Biaya Pengajuan"},"content":{"rendered":"<p><!-- fs-anchor 2026-08-20 --><\/p>\n<p class=\"fs-lead\">KPR BTN Syariah adalah fasilitas pembiayaan kepemilikan rumah dari Bank Tabungan Negara yang menggunakan prinsip syariah dengan akad murabahah, as-salam, dan al-istishna untuk menghindari transaksi riba. Program ini mensyaratkan pemohon berusia minimal 21 tahun dengan penghasilan pokok Rp4 juta untuk rumah tapak dan Rp7 juta untuk rumah susun. Pemohon juga harus belum memiliki rumah dan memiliki riwayat kredit yang bersih untuk dapat mengajukan pembiayaan ini.<\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">KPR BTN Syariah merupakan salah satu fasilitas pembiayaan hunian tanpa riba yang dapat digunakan oleh masyarakat.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Simak beberapa syarat dan biaya pengajuannya, bisa menjadi pilihan bagi kamu yang menginginkan pembiayaan sesuai prinsip syariah.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Secara umum pengertian Kredit Pemilikan Rumah (KPR) syariah adalah fasilitas pembiayaan untuk membeli rumah tapak baru maupun <\/span><i><span style=\"font-weight: 400;\">second<\/span><\/i><span style=\"font-weight: 400;\"> dengan prinsip syariah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Mungkin saja kamu sedang berencana membeli <a href=\"https:\/\/skorlife.com\/blog\/gaya-hidup\/rekomendasi-rumah-di-bekasi\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">rumah di Bekasi<\/a> dengan fasilitas pembiayaan sesuai syariah Islam.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Perbedaan mendasar antara KPR konvensional seperti <a href=\"https:\/\/skorlife.com\/blog\/kpr\/kpr-cimb-niaga\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Bank CIMB Niaga<\/a> dengan KPR syariah adalah terletak pada akad transaksinya.<\/span><\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2026\/06\/kpr-btn-syariah-body1.png\" alt=\"Mengenal KPR BTN Syariah. Lengkap dengan Syarat dan Biaya Pengajuan \u2014 ilustrasi 1\" style=\"width:100%;height:auto;border-radius:12px;margin:18px 0\" \/><\/figure>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila KPR konvensional melakukan transaksi uang, sedangkan KPR syariah melakukan transaksi barang.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Jadi, apakah KPR syariah bebas riba? Dengan akad <\/span><i><span style=\"font-weight: 400;\">murabahah<\/span><\/i><span style=\"font-weight: 400;\">, nasabah dapat terhindar dari transaksi riba.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, salah satu lembaga keuangan yang menyediakan fasilitas pembiayaan rumah dengan prinsip syariah adalah Bank Tabungan Negara atau BTN.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lalu, KPR BTN syariah menggunakan akad apa?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dalam transaksi pembiayaan, KPR syariah BTN menggunakan akad <\/span><i><span style=\"font-weight: 400;\">murabahah<\/span><\/i><span style=\"font-weight: 400;\"> atau jual beli, <\/span><i><span style=\"font-weight: 400;\">as-salam<\/span><\/i><span style=\"font-weight: 400;\">, dan <\/span><i><span style=\"font-weight: 400;\">al-istishna<\/span><\/i><span style=\"font-weight: 400;\">.\u00a0\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ingin tahu lebih lanjut, <\/span><a href=\"https:\/\/skorlife.com\/blog\/\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">blog SkorLife<\/span><\/a><span style=\"font-weight: 400;\"> akan membahasnya dengan merangkum dari situs resmi bank milik pemerintah ini.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Syarat KPR BTN Syariah<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Melansir dari laman resmi BTN, berikut ini sejumlah syarat yang harus kamu miliki bila ingin mengajukan kredit perumahan komersial maupun subsidi dengan prinsip syariah.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>1. Persyaratan Umum<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Warga Negara Indonesia (WNI).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memiliki e-KTP (Kartu Tanda Penduduk).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usia saat mengajukan minimal 21 tahun atau telah menikah.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usia tak lebih dari 65 tahun saat melunasi pembiayaan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum masa kerja\/usaha 1(satu) tahun.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Riwayat kredit tidak bermasalah (IDI BI <\/span><i><span style=\"font-weight: 400;\">clear<\/span><\/i><span style=\"font-weight: 400;\">).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memiliki penghasilan pokok, yakni Rp4 juta (untuk pengajuan rumah tapak) dan Rp7 juta (untuk pengajuan rusun).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pemohon maupun pasangan (suami\/isteri) tidak memiliki rumah dan belum pernah menerima subsidi pemerintah.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Menyampaikan NPWP (Nomor Pokok Wajib Pajak) dan SPT (Surat Pemberitahuan Tahunan) PPh (Pajak Penghasilan) orang pribadi.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>2. Syarat Dokumen untuk Karyawan<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formulir pengajuan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi KTP\/Kartu Identitas.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi Kartu Keluarga.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran fotokopi Surat Nikah\/Cerai.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran fotokopi SK (Surat Keterangan) Pegawai.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan fotokopi slip gaji.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surat Keterangan Penghasilan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rekening koran 3 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi NPWP dan SPT tahunan PPh orang pribadi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mengisi surat pernyataan Kredit Pemilikan Rumah dari BTN syariah.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>3. Dokumen Persyaratan untuk Wiraswasta<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formulir pengajuan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan fotokopi KTP\/Kartu Identitas.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi Kartu Keluarga.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran Surat Nikah\/Cerai.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surat keterangan penghasilan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rekening koran 3 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laporan keuangan 3 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi NPWP dan SPT tahunan PPh orang pribadi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan fotokopi surat izin usaha, SIUP (Surat Izin Usaha Perdagangan), dan TDP (Tanda Daftar Perusahaan).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mengisi surat pernyataan KPR BTN syariah subsidi iB.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: left;\"><b>3. Syarat Dokumen Pengajuan KPR untuk Profesional<\/b><\/h3>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formulir pengajuan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi KTP\/Kartu Identitas.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan fotokopi Kartu Keluarga.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran fotokopi Surat Nikah\/Cerai.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surat keterangan penghasilan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rekening koran 3 bulan terakhir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fotokopi NPWP dan SPT tahunan PPh orang pribadi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lampiran fotokopi izin praktek.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mengisi surat pernyataan KPR BTN bersubsidi iB.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Melampirkan sertifikat atau Hak Guna Bangunan atau Hak Milik.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_4030\" class=\"wp-caption alignnone\" ><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4030 size-full\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/kpr-btn-syariah-apakah-riba.jpg\" alt=\"kpr btn syariah apakah riba\" width=\"810\" height=\"508\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/kpr-btn-syariah-apakah-riba.jpg 810w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/kpr-btn-syariah-apakah-riba-300x188.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/06\/kpr-btn-syariah-apakah-riba-768x482.jpg 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><figcaption class=\"wp-caption-text\">Foto: Metlandcibitung.co.id<\/figcaption><\/figure>\n<h2 style=\"text-align: left;\"><b>Biaya KPR BTN Syariah<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Selain persyaratan, kamu pun perlu menyiapkan beberapa biaya ketika mengajukan pembiayaan KPR syariah di BTN syariah, antara lain:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya administrasi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya <\/span><i><span style=\"font-weight: 400;\">appraisal<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya notaris.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya Surat Kuasa Memberikan Hak Tanggungan (SKMHT) \/ Akta Pemberian Hak Tanggungan (APHT).<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: left;\"><b>Cara Mengajukan KPR Syariah di Bank BTN<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila kamu telah memenuhi dokumen persyaratan dan memiliki dana untuk biaya-biaya di atas, maka kini saatnya mengajukan permohonan pembiayaan ke BTN.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Adapun cara mengajukannya sebagai berikut:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Siapkan dokumen yang lengkap.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Berkas permohonan akan diproses dan diverifikasi oleh pihak BTN.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bila permohonan disetujui, maka pemohon mempersiapkan kecukupan dana di tabungan BTN iB.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kemudian, pemohon akan melakukan akad pembiayaan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Terakhir, pihak bank mulai proses pencairan permohonan.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lantas berapa lama proses KPR Bank BTN Syariah?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ketika calon debitur mengajukan permohonan pembiayaan KPR BTN Syariah membutuhkan waktu selama 14 hari hingga 30 hari kerja, termasuk proses mewawancarai nasabah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, demikianlah informasi terkait Kredit Pemilikan Rumah (KPR) BTN dengan prinsip syariah.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Setelah membaca penjelasan di atas, mungkin kamu semakin mantap untuk membeli <a href=\"https:\/\/skorlife.com\/blog\/gaya-hidup\/rekomendasi-rumah-di-tangerang-selatan\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">rumah di Tangerang<\/a> yang dekat dengan sejumlah kota mandiri.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bila ingin tahu mengenai investasi syariah hingga perencanaan keuangan, kamu bisa membacanya di <\/span><a href=\"https:\/\/skorlife.com\/blog\/\" data-wpel-link=\"internal\"><span style=\"font-weight: 400;\">blog SkorLife<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bagi kamu yang berencana membeli mobil baru dengan skema cicilan ke bank, yuk cek dulu skor kreditnya di <\/span><a href=\"https:\/\/skorlife.com\/id\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">aplikasi SkorLife <\/span><\/a><span style=\"font-weight: 400;\">yang tersedia di <\/span><i><span style=\"font-weight: 400;\">smartphone<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>KPR BTN Syariah adalah fasilitas pembiayaan kepemilikan rumah dari Bank Tabungan Negara yang menggunakan prinsip syariah dengan akad murabahah, as-salam,<\/p>\n","protected":false},"author":15,"featured_media":4008,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[13],"tags":[108],"class_list":["post-3990","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kpr","tag-properti"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mengenal KPR BTN Syariah<\/title>\n<meta name=\"description\" content=\"KPR BTN Syariah merupakan salah satu fasilitas pembiayaan hunian tanpa riba yang dapat digunakan oleh 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