Complete Guide to Gold Installment Plans in Indonesia

Interest in gold as a hedge asset continues to grow alongside global economic volatility and fluctuations in the crypto market. Today, installment schemes for gold are easier through Pegadaian, BSI, and BRImo.

These installment schemes allow people to own gold without paying the full price upfront. This article explains practical ways to buy gold on installments, the advantages of each service, and their relevance to modern investment strategies including crypto.

How to Buy Gold on Installments at Pegadaian

Pegadaian is one of the main options for people who want to pay for certified gold bars in installments. The installment scheme is designed so monthly payments remain fixed even if market gold prices rise.

Overview of Pegadaian’s gold installment:

• 24-carat certified gold
• Fixed installments until fully paid
• Down payment starting from 10–15 percent
• Installment tenor from 3 to 36 months
• Gold is delivered after the installments are completed

Short application process:

1. Visit a Pegadaian outlet or use the Pegadaian Digital app
2. Choose the type and weight of gold
3. Select tenor and down payment
4. Sign the contract (akad)
5. Make monthly installment payments

Read Also: 7 Effective Crypto Trading Methods for Beginners, Complete with Tips and Tricks

In modern investment terms, physical gold like this is often used to balance higher-risk assets, including crypto. When crypto markets are volatile, gold tends to be more stable and serves as a defensive asset.

How to Buy Gold on Installments at BSI

BSI’s gold installment program uses Sharia principles with a murabahah contract. The gold price is fixed at the time of the contract, so installments remain constant throughout the tenor.

Main characteristics of BSI’s gold installment:

• Murabahah (sale-purchase) contract
• Gold price is locked at the start
• Fixed installments
• Uses Antam’s Good Delivery gold and trusted suppliers
• Tenor from 1 to 5 years

General application requirements:

• National ID (KTP)
• Tax ID (NPWP) — for financing above IDR 50 million
• Minimum age 21 years
• Maximum age 60 years at maturity

Minimum down payment 20 percent 

Also Read: Crypto Trading Strategies for Beginners, Don’t Do This! 

In the crypto world, this concept is often compared to blockchain-based gold tokens. The difference is, BSI gold installment results in real physical gold, while gold tokens only represent the digital value of gold. 

How to Buy Gold in Installments via BRImo

Through a partnership with Pegadaian, BRImo offers gold installments directly from the mobile banking app. This approach is suitable for users accustomed to managing finances digitally. 

Advantages of gold installments in BRImo: 

• Direct application from the app
• Down payment starting from 15 percent
• Flexible tenor from 3 to 36 months
• 24-carat certified gold
• Secure and regulated

Quick steps to buy gold in installments via BRImo: 

1. Login to BRImo app
2. Select Investment menu then Gold Installment
3. Fill in personal data and verify
4. Choose type and amount of gold
5. Set tenor and down payment
6. Confirm with PIN

Also Read: Easy Steps to Invest in Bitcoin Safely

This digital experience is similar to how investors manage crypto assets via apps, although the investment object remains physical gold.

Gold and Crypto in Investment Strategy

Gold and crypto are often seen as competitors, but they can complement each other.

Quick comparison:

• Gold: stable, inflation-resistant, low risk
• Crypto: volatile, technology-based, high growth potential

Many investors combine physical gold with crypto assets to create a more balanced portfolio. To learn more about crypto as part of diversification, you can explore it via Bittime.com, a crypto platform designed to be accessible for both beginners and experienced users.

Conclusion

Gold installment options at Pegadaian, BSI, and BRImo provide more affordable and flexible ways to own gold. Each service has different characteristics, from conventional, Shariah-compliant, to digital approaches.

In today’s financial landscape, gold remains relevant as a hedge asset and can be paired with crypto as a diversification strategy. Understanding the mechanisms and risks helps make more informed financial decisions.

To start investing in gold or explore price movements further, visit Bittime Exchange and read the latest news at Bittime Blog.

How to Buy Crypto on Bittime

Want to trade, buy Bitcoin, and invest in crypto easily? Bittime is ready to help! As a legally registered Indonesian crypto exchange under Bappebti, Bittime ensures every transaction is safe and fast.

Start by registering and verifying your identity, then deposit a minimum of IDR 10,000. After that, you can immediately buy your favorite digital assets!

Check BTC to IDR, ETH to IDR, SOL to IDR, and other crypto assets to see real-time crypto market trends on Bittime.

Also, visit Bittime Blog for updates and educational information about crypto. Find trusted articles on Web3, blockchain technology, and digital asset investment tips designed to enrich your crypto knowledge.

FAQ

What is gold installment?

A scheme of buying gold with installment payments over a certain period.

Is gold installment safe?

Generally safe because the gold is held by an official institution until installments are fully paid.

What is the difference between gold installment and crypto gold?

Gold installment results in physical gold, while crypto gold is digital.

Will installments change if gold prices rise?

No, the installments remain as agreed initially.

Is gold installment suitable for beginners?

Yes, because it does not require a large upfront capital.