BFI Finance are Trusted Financing Company in Indonesia

Since 1982

More than 40 years present and serving the community's financial needs

>400.000

Active consumers have chosen BFI Finance as their financial partner

>200 Branch

Service spreads across most of Indonesia

This month special promos and Information
promo-rumah-reguler
paket wirausaha pbf english

Why should you go to BFI Finance?

BFI Finance is ready to meet your financial needs

  • Funding without Additional Fee

    Get full funds to meet your needs

  • Low Interest

    Interest starts from 0.54% per month, with annual interest rates starting from 12%

  • High funding

    Liquid financing starts from Rp300 million to Rp5 billion

  • Funding without Additional Fee

    Get full funds to meet your needs

  • Low Interest

    Interest starts from 0.54% per month, with annual interest rates starting from 12%

  • High funding

    Liquid financing starts from Rp300 million to Rp5 billion

XTRA Mudah prosesnya, cepat pengajuannya, ringan bunganya

Loans with a House/Shophouse/Shophouse Certificate guarantee with low interest starting from 12% per year

Apply Now

XTRA Mudah prosesnya, cepat pengajuannya, ringan bunganya

Loans with a House/Shophouse/Shophouse Certificate guarantee with low interest starting from 12% per year

Apply Now

Easy Financing Process

Apply the easy way, follow the steps below

  • fill form

    1. Online Form

    Fill out the form and complete your personal data so that the loan submission can be processed

  • konfirmasi

    2. Confirmation

    After the data is completely filled in, you will be contacted by our Call Center

  • survey

    3. Survey

    BFI Finance will conduct a survey for the next process

  • funding

    4. Loan disbursement

    Loan funds will be disbursed to a registered account

Loan Installment Calculator for House/Shophouse/Office Certificate Collateral

Plan Your Financing for Free
field icon
field icon
Rp 1
Rp 1
field icon
Simulation Calculation
*Nominal financing is an estimate. The amount of financing is the result of verifying the condition of the vehicle.

House Ownership Certificate / Rights to Build Collateral Financing Information

Application Profile Requirements on behalf of an Individual (Borrower)

Application Profile for Individuals

  • Indonesian citizen
  • Aged 21-65 years old, with marital status: single, married, or divorced
  • Residential status: own house, spouse's house, family’s house, or annual rental
  • Employment status:
    • Employee (minimum of 2 years as a permanent employee)
    • Entrepreneur (business must have been running for at least 2 years)
  • Applications will not be accepted if the type of business/profession violates the law

House/Shophouse Profile Requirements

House Profile

  • The house must be occupied and a permanent structure.

  • Eligible houses must be located in a residential cluster, complex, or housing area.

  • The house must not be located in a narrow alley and must be accessible by at least one car.

  • The house must not be near public facilities, high-voltage power lines (SUTET), or cemeteries.

  • The house must not be in the process of being sold.

  • Only properties with a Hak Milik (SHM) or Hak Guna Bangunan (SHGB) certificate under the name of the owner, spouse, biological parents (both must be alive), or in-laws (both must be alive) are eligible for financing.

The property must be located in Jabodetabek, Sidoarjo, Surabaya, Gresik, Malang, Medan, Denpasar, or Balikpapan.

Easy Requirements

Your loan funds can be processed immediately by preparing the documents below.

Applicant and Spouse's ID Card (if married)

Family Registration Card

Taxpayer Identification Number (NPWP)

Marriage Book / Marriage Certificate

Get Cash Funds by Applying for a Loan Guaranteed by a House/Shophouse/Shophouse Certificate at BFI Finance

Long tenor up to 7 years

Apply Now

Get Cash Funds by Applying for a Loan Guaranteed by a House/Shophouse/Shophouse Certificate at BFI Finance

Long tenor up to 7 years

Apply Now

Loan Installment Scheme with House/Shophouse/Office Certificate Guarantee

Loan

Rp300.000.000

Time period

60 months or 5 years

Interest

Rp300.000.000 x 0.78% x 60 months = Rp140.400.000

Total loan

Rp300.000.000 + Rp140.400.000 = Rp440.400.000

Installment / month

Rp328.080.000 / 60 months = Rp7.340.000

*The installment scheme is only a simulation and not the loan approval of funds. Figures can change and be adjusted based on further assessment in accordance with BFI Finance policy.

 

For your information, if you apply with a House/Shophouse/Shop Office Certificate guarantee at BFI Finance

Flat Interest per Month

0.54% to 2%

Minimum & Maximum Interest Rate per Year

Starting from 12% - maximum 24% (depending on asset condition and completeness of documents)

Minimum & Maximum Loan

Rp300 Million until Rp5 Billion

Domicile

Jabodetabek, Sidoarjo, Surabaya, Gresik, Malang, Medan, Denpasar, dan Balikpapan

Minimum & Maximum Installment (Tenor)

12 months until 60 months

Customer Success Stories

“In 2014, I entrusted the guarantee of vehicles to BFI Finance to develop the fleet and increase capital.”

Deddy Setiawan

Transportation Service Entrepreneur

"BFI's role for me is very helpful when I need capital and my business can also grow with the help of BFI Finance."

Farida

Warung Mbah Mie - Ketapang

Frequently Asked Questions

1. What is the minimum and maximum amount of funds?

Funds that can be borrowed start from IDR 300 million to IDR 5 billion

2. What home certificates can you apply for as a guarantor?

The collateral that can be funded is only an SHM/SHGB certificate in the name of oneself or partner

3. What areas are covered by the Home Certificate secured loan product by BFI Finance?

The areas covered for loan products guaranteed by house / shophouse / shophouse certificates are the Jabodetabek, Surabaya, Sidoarjo, Gresik, Malang, and Balikpapan

4. What are the requirements for applying for a Home Certificate secured loan?

Personal Profile

  • Indonesian citizens
  • Aged 21-65 years and marital status unmarried, married and divorced
  • Own house ownership, partner, family, annual contract
  • Occupation :
    • Employees (minimum permanent 2 years)
    • Self-employed (minimum 2 years)
  • It is unacceptable if the type of business/profession violates the law

House / Shophouse Profile

  • Occupied or inhabited houses and permanent buildings
  • Houses that can be financed must be located in clusters, complexes or residential areas
  • The house is not in an alley or can be passed by 1 car
  • The house is not close to public facilities, sutet, cemeteries
  • The house is not in the process of being sold
  • The only collateral that can be financed is the SHM/SHGB certificate in your own name, spouse, biological parents (both must be alive), in-laws (both must be alive)
  • Locations in Jabodetabek, Sidoarjo, Surabaya, Gresik, Malang, and Balikpapan, Medan, Denpasar

5. Is BFI Finance safe?

Safe because BFI Finance is licensed and supervised by the Financial Services Authority

Have further questions? Contact Us

Enjoy fast disbursement process by completing the existing requirements

Apply Now Application Consultation
© 2025 - PT BFI Finance Indonesia Tbk