FLPP Quota Rises, BTN Projects Loans To Grow 7-9 Percent

JAKARTA - BTN targets credit growth of 7-9 percent year on year in 2025. This projection is in line with the addition of subsidized mortgage quotas through the Housing Financing Liquidity Facility or FLPP program as well as government policy support in the housing sector.

The addition of the FLPP mortgage quota to 350,000 units in 2025 from the previous 220,000 units. Meanwhile, the realization of the national subsidy mortgage is still at 121,000 housing units.

BTN hopes that government policy support in the form of new regulations related to maximum income for low-income people (MBR) recipients of the housing financing liquidity facility program.

"In the new rules, MBR's maximum income is divided into several zones. For Jabodetabek, it is set at IDR 12 million for single income and IDR 14 million for joint income with partners. Hopefully this policy can improve the ability to pay for home buyers," said the President Director of BTN NIxon LP Napitupulu in a press release received by VOI editors, Wednesday, September 10.

At the Public Expose Live 2025 event on Wednesday, September 10, Nixon also reported that BTN's finances were related in the first semester of 2025. A number of BTN's business lines experienced an increase, including in the housing sector. Subsidized mortgages rose 6.5 percent to Rp182.17 trillion, while non-subsidized mortgages in total grew 8.8 percent to RP110.72 trillion.

BTN managed to record a net profit of IDR 1.7 trillion at the end of the first semester of 2025, double-digit growth of 13.6 percent yoy compared to the same period last year, which was IDR 1.5 trillion.