JAKARTA - PT Bank Negara Indonesia (Persero) Tbk or BNI utilizes the momentum of lowering the benchmark interest rate of Bank Indonesia (BI) to encourage access to home financing, especially for Gen Z and Millennials. With various new strategies, BNI is optimistic that it can strengthen the portfolio of Home Ownership Loans (KPR) in a healthy and sustainable manner amid the trend of low interest rates.
BNI Corporate Secretary Okki Rushartomo explained, the decline in BI-Rate by 25 basis points to 5.5 percent in May 2025 became a positive catalyst for the credit sector, including mortgages.
"This decline provides fresh air for the community, especially the younger generation who are planning to own the first house. BNI is ready to support this need with a competitive financing scheme," said Okki.
BNI responded to this opportunity by preparing a number of interest rate adjustments strategies to remain relevant and attractive in the midst of market dynamics. One of the flagship programs offered is a tiered interest scheme of up to 20 years, which provides certainty and stability in the long term.
"We realize that certainty in financial planning is very important for customers, especially the younger generation. Therefore, we present a tiered interest rate program of up to 20 years to provide a sense of security in the long term," added Okki.
SEE ALSO:
In addition, BNI also offers a Cermat mortgage program that provides interest rates of up to 1 percent for customers who place funds in certain savings accounts. This program provides flexibility in financial management as well as additional benefits in residential financing.
Meanwhile, based on BI data, mortgage distribution as of April 2025 reached IDR 777.3 trillion or grew 8.6 percent on an annual basis or year-on-year (yoy). This positive trend is expected to continue in the second semester of 2025, along with credit interest rate adjustments made by banks.
National mortgage growth has also shown consistent recovery in recent years. By the end of 2022, it was recorded that it grew 7.8 percent, increased to 12 percent in 2023, and continued to grow solidly by 9.5 percent throughout 2024.
"Seeing the trend of more accommodative interest rates and consistent growth in mortgage distribution, BNI believes expansion opportunities in the property sector are increasingly open. We are committed to strengthening our role in supporting home ownership through competitive and sustainable financing solutions," concluded Okki.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
