JAKARTA - PT Bank Tabungan Negara (Persero) Tbk (BTN) has once again emphasized its role as the main partner for national housing financing after distributing 6 million units of Home Ownership Loans (KPR) since 1976 to early April 2026 worth Rp. 530 trillion. This achievement reflects BTN's continued contribution in expanding access to housing ownership for the Indonesian people, while strengthening the foundation of the national housing ecosystem.
BTN President Director Nixon LP Napitupulu emphasized that the achievement of 6 million units of KPR is a reflection of BTN's long journey in building the foundation of national housing financing.
"For almost five decades, BTN has not only channeled financing, but has built a sustainable housing ecosystem. The number of 6 million houses that we have financed reflects BTN's role in supporting social stability and economic growth through the housing sector," said Nixon, in a written statement, Friday, April 10.
In the future, his party will continue to strengthen the transformation towards beyond mortgage, where BTN not only serves home financing, but also the overall financial needs of families, ranging from transactions, businesses, to the long-term needs of the community.
"We also present financing innovation through bundling mortgages with household needs, so that customers can obtain more affordable and integrated financing solutions," said Nixon.
Nixon added, in accordance with the vision as a Main Partner in Financial Empowerment of Indonesian Families, BTN always accompanies the life journey of customers with complete services, from children with "Champion" savings products, the adolescent phase where BTN is present with a digital payment ecosystem, when the phase works served with savings plans, payroll, mortgages, priority banking services to the phase when customers retire with retirement credit products, insurance and other investments.
Meanwhile, BTN Consumer Banking Director Hirwandi Gafar added that this achievement was driven by BTN's consistency in maintaining disbursement performance and expanding access to financing in various regions.
"Demand for decent and affordable housing continues to increase, while the current housing sector challenges come more from the supply side, such as land availability and licensing. BTN is trying to answer this through a more proactive and integrated approach, so that the distribution of mortgages can run effectively and reach more people," explained Hirwandi.
In terms of the debtor profile, the majority of subsidized mortgage applications come from the low-income community segment (MBR), with an average income of around IDR 4.9 million per month, dominated by workers in the informal sector such as small traders, freelancers, and micro-entrepreneurs, as well as formal sectors such as civil servants, private employees, and contract employees. This shows that BTN's housing financing access reaches community groups who previously had limitations in obtaining decent housing.
Apart from through the distribution of KPR, BTN also contributes to strengthening the housing ecosystem through the Housing Program Loan (KPP). As of March 2026, BTN recorded the realization of the distribution of KPP with a total ceiling of around IDR 2.17 trillion to more than 3,291 debtors. In detail, the distribution of KPP from the supply side reached around IDR 1.47 trillion to 399 debtors which were focused on financing developers, contractors, and building materials suppliers.
Meanwhile, in terms of demand, BTN disbursed around IDR 700 billion to 2,892 debtors which were used for the purchase, construction, and renovation of houses. This scheme strengthens the connection between the supply and demand sides in the housing ecosystem.
Outside the housing sector, BTN also distributes People's Business Loans (KUR) as part of support for strengthening the community's economy. As of March 2026, BTN's KUR distribution reached around IDR 2.72 trillion, with a small KUR composition of IDR 2.04 trillion (75 percent) and micro KUR of IDR 687 billion (25 percent).
The distribution of KUR was dominated by the large and retail trade sector of 59.22 percent, followed by the accommodation and food and beverage sector of 12.36 percent, and construction of 10.08 percent. BTN also noted an increase in the business capacity of debtors through the KUR upgrade program of 4,719 debtors, including a shift from micro KUR to small KUR and an increase in the financing ceiling.
Along with business transformation, BTN is now not only focusing on mortgage financing, but also expanding its role through a beyond mortgage approach. One of the main initiatives developed is the Bale Properti digital platform, which presents integrated services ranging from residential searches to end-to-end financing processes.
Through Bale Properti, BTN has facilitated more than 521 property listings, with the number of online mortgage applications reaching an average of 780 applications per month, and cooperating with 426 developer partners and property agents. This platform allows the mortgage application process to be carried out faster with an average processing time of 3 days, while expanding public access to digital housing financing.
In addition, BTN also presents various innovations based on sustainability, one of which is through the installment payment program for mortgages based on waste management. This program allows customers to maintain the smoothness of payment obligations while contributing to environmental management.
On the other hand, BTN is also developing the BTN Housingpreneur program as part of strengthening the ecosystem from the supply side, by encouraging the capacity and capabilities of housing developers, especially small and medium-sized ones. This program aims to create a healthier, more productive, and sustainable housing ecosystem.
In the future, BTN targets the distribution of mortgages of 240,950 units in 2026, in line with its commitment to continue supporting the national housing program. Through the strengthening of the digital ecosystem, innovation based on sustainability, and collaboration with various stakeholders, BTN will continue to provide more inclusive, integrated, and sustainable housing financing solutions for the Indonesian people.
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