BFI Dana Griya - Loans Guaranteed by House/Shophouse/Office Certificate

Need cash for

House Renovation?

BFI Finance is ready to help you

Quick application approved

Long tenor up to 84 months

Quick application approved

Long tenor up to 84 months

Calculate Simulation

BFI Finance is licensed and supervised by Otoritas Jasa Keuangan

Why Choose BFI Finance?

BFI Finance is ready to meet your financial needs

XTRA Easy to apply, fast approval, light on interest

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

Easy Financing Process

Apply the easy way, follow the steps below

1. Online Form

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

2. Confirmation

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

3. Verification

BFI Finance will conduct a verification for the next process

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

Loan Installment Calculator for House/Shophouse/Office Certificate Collateral

Plan Your Financing for Free

Maximum Financing

Desired Financing

Rp 300.000.000Rp 5.000.000.000

Maximum Financing

Desired Financing

*Nominal financing is an estimate. The amount of financing is the result of verifying the condition of the vehicle.

Important Information You Need to Know

BFI Finance Receives House/Shophouse/Office Certificate Guarantee Loan

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 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, 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 with a Loan Secured by a House or Shophouse Certificate at BFI Finance

Long tenor up to 7 years

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 0,54% x 60 bulan = Rp97.200.000
Total Loan	Rp300.000.000 + Rp97.200.000 = Rp397.200.000
Installment/month	Rp397.200.000 / 60 Bulan = Rp6.620.000

*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 6.5% - maximum 24% (depending on asset condition and completeness of documents)
Minimum & Maximum Loan	Rp300 Million until Rp5 Billion
Domicile	Jabodetabek, Sidoarjo, Surabaya, Malang, Medan, Denpasar, dan Balikpapan
Minimum & Maximum Installment (Tenor)	12 months until 84 months